Welcome Guest ( Log In | Register )

Bump Topic Topic Closed RSS Feed

Outline · [ Standard ] · Linear+

 Medical Insurance

views
     
lynnsylim
post Apr 26 2007, 10:21 AM

New Member
*
Junior Member
20 posts

Joined: Apr 2007
QUOTE(Gen-X @ Apr 23 2007, 12:28 AM)
Most established insurance company like AIA, Prudential, Great Eastern have a combination of life and medical.

however, there a medical insurance offered by several insurance company called Sihat Malaysia where the premium looks cheaper then my medical insurance with prudential. Somemore, my prudential got a life time limit whereas Sihat Malaysia is annual limit.

link below for more info on Sihat Malaysia

http://www.niam.org.my/sihat_indi2.html
*
there are abt 16 insurance companies in Malaysia. Yes Sihat Malaysia is cheap but I got lots of ppl complaining abt this because lots of hospital not recognized and the claims is very slow. And is not cashless meaning i hv to pay yrself 1st on the bill then take the receipt to claim.

My advise is dun buy bcos of cheap end up wasting money if the card is useless.

Added on April 26, 2007, 10:56 am
QUOTE(andy06 @ Apr 24 2007, 01:55 AM)
make sure you read the fine lines of the print especially the medical insurance from insurance company...if i m not mistaken those large life insurance companies actually reluctant to offer medical insurance (coz not much profit ) but have to offer because required by Bank Negara to do so.

also know how much coverage they provide you. check the terms and conditions and also find out how much coverage you may need in the event you may need it.

Its wise to have a medical insurance nowadays coz hospitalization cost  is not cheap and admitting to hospital is not a rare thing nowadays....anyone could just gone in because of dengue coz by aedes and that alone will coz thousands of ringgit !  wink.gif
*
Yes, make sure read & understand the Exclusion part (things are not covered under medical card) as lots of ppl presume this card is for everything once they see doctor even for fever or cough only.

In fact, insurer lossing lots of money for the medical claimants but yes no choice as required by bank negara so they have to cover customer according to their terms &conditions.

This post has been edited by lynnsylim: Apr 26 2007, 10:56 AM
lynnsylim
post Apr 26 2007, 03:21 PM

New Member
*
Junior Member
20 posts

Joined: Apr 2007
[quote=jiggly_head,Apr 26 2007, 03:14 PM]
[quote=lynnsylim,Apr 26 2007, 10:21 AM]
there are abt 16 insurance companies in Malaysia. Yes Sihat Malaysia is cheap but I got lots of ppl complaining abt this because lots of hospital not recognized and the claims is very slow. And is not cashless meaning i hv to pay yrself 1st on the bill then take the receipt to claim.

My advise is dun buy bcos of cheap end up wasting money if the card is useless.

Added on April 26, 2007, 10:56 am

i beg to differ... even sihat malaysia can provide considerably fast cashless claims, especially if you are admitted into hospital.... The trick really is to get a commited agent to handle ur claims.

I was admitted at sunway due to a dislocated shoulder. and had surgery as it would pop out every so often. claimed 16k while paying rm80 in cash for items not covered.
*


Ya, I agreed with you get a handful agent.Not only that doctor's report is also very important. But all these are really based on case to case. Some manage to claim out some not depend on the doctor's report lah.

lynnsylim
post Apr 28 2007, 02:34 PM

New Member
*
Junior Member
20 posts

Joined: Apr 2007
QUOTE(Creamer @ Apr 17 2007, 03:10 PM)
I am in my early 30s and have just got a clean bill of health from a comprehensive medical check-up done recently. 

Aside from the usual 36 critical disease which rides on my life insurance, I am interested to purchase a medical insurance as well.  I was told by my doctor that I could obtain a policy with favourable premium supported by the lab report issued. 

I was hoping if any member here could enlighten me on the various medical insurances available.  Thanks.
*
You may also check out Allianz Powerlink which understand is the cheapest protection plan in town with everything in a plan like life/36 critical illness/medical/PA. I only pay RM100 per month with low premium but high coverage. But depending yr age and wat coverage u r looking at lah.

Good luck.
« Next Oldest · Finance, Business and Investment House · Next Newest »
 

Topic ClosedOptions
 

Change to:
| Lo-Fi Version
 0.0158sec    0.40    6 queries    GZIP Disabled
Time is now: 8th December 2025 - 03:25 AM
All Rights Reserved © 2002- 2025 Vijandren Ramadass (~unite against racism~)
Removal Request
Powered by Invision Power Board © 2025  IPS, Inc.