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> How important to take medical card? Chat

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NielWooWoo1205
post Feb 2 2018, 11:47 AM

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Me go to gomen hospital.
Free je hahahaha
kapalterbang_737
post Feb 2 2018, 11:47 AM

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QUOTE(mozact89 @ Feb 2 2018, 11:43 AM)
Hahah. Dekat tu.. aku nak blaja n pahamkan.. dan nak tgk within budget..
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Boleh... nanti aku wassap ya
farhan0103
post Feb 2 2018, 11:47 AM

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same as TS's situation here.
if i were to apply insurance now,need medical checkup?
i'm 30+
lifebalance
post Feb 2 2018, 11:49 AM

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QUOTE(farhan0103 @ Feb 2 2018, 11:47 AM)
same as TS's situation here.
if i were to apply insurance now,need medical checkup?
i'm 30+
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standard - no check up required if there is no pre-existing illnesss / disability / overweight / underweight issue
zeese
post Feb 2 2018, 11:55 AM

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medical card can cover after you retire. If pay more, cover till age 100 also possible. So, u need to think about that also.
bcth928
post Feb 2 2018, 11:55 AM

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no matter how much ur company offer...
pls think to buy a personal one...

who know...one day company fire u...
maxizanc
post Feb 2 2018, 11:57 AM

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QUOTE(palgo47 @ Feb 2 2018, 11:20 AM)
unlimited medical coverage?  hmm.gif
no such thing.
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My company ozo same

Unlimited yaww
TSmozact89
post Feb 2 2018, 12:12 PM

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QUOTE(zeese @ Feb 2 2018, 11:55 AM)
medical card can cover after you retire. If pay more,  cover till age 100 also possible.  So, u need to think about that also.
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Still need to pay until 100yo or pay until retired?
Duckies
post Feb 2 2018, 01:09 PM

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QUOTE(lifebalance @ Feb 2 2018, 11:43 AM)
get your agent to review ur policy
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QUOTE(kapalterbang_737 @ Feb 2 2018, 11:45 AM)
Read the whole policy book.. they do explain every bit of the coverage they provide
What is covered, what is not, how much agent commission, how much estimate of your cash value, etc
If dun understand ask agent to clarify
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Must go through agent to get the policy book? Or is there a way I can get a copy of that? Malas nak contact agent...kena schedule a day and time for both of us to be free
jlgoh9
post Feb 2 2018, 01:36 PM

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QUOTE(Duckies @ Feb 2 2018, 01:09 PM)
Must go through agent to get the policy book? Or is there a way I can get a copy of that? Malas nak contact agent...kena schedule a day and time for both of us to be free
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you should have a copy of the policy book ma...

if your agent cannot find a time to fit yours, change new agent...

This post has been edited by jlgoh9: Feb 2 2018, 01:36 PM
TSmozact89
post Feb 2 2018, 02:18 PM

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Luckily ask in /k..

The agent said, Rm68.90 for medical card only for the first 3-5 years.. after that will increase..

But i i take the expensive one, rm150, it will mot increase until i retired
jlgoh9
post Feb 2 2018, 02:21 PM

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QUOTE(mozact89 @ Feb 2 2018, 02:18 PM)
Luckily ask in /k..

The agent said, Rm68.90 for medical card only for the first 3-5 years.. after that will increase..

But i i take the expensive one, rm150, it will mot increase until i retired
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standalone medical card is cheap but will increase as you age.

the expensive one is most likely investment link. depending on how much your coverage and whether you have including life/CI/tpd in the card, 150 could last at least 20 years, then possible need to top up later years of your age.
TSmozact89
post Feb 2 2018, 02:23 PM

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QUOTE(jlgoh9 @ Feb 2 2018, 02:21 PM)
standalone medical card is cheap but will increase as you age.

the expensive one is most likely investment link. depending on how much your coverage and whether you have including life/CI/tpd in the card, 150 could last at least 20 years, then possible need to top up later years of your age.
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So the cheapest medical card including investment link is how much?
yeezai
post Feb 2 2018, 02:33 PM

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if covered then get the cheapest one so that one day u kena goreng standby
drowning
post Feb 2 2018, 02:59 PM

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Take OKU card and RACIAL card. Can get through almost anything in Bolehland.
jlgoh9
post Feb 2 2018, 03:05 PM

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QUOTE(mozact89 @ Feb 2 2018, 02:23 PM)
So the cheapest medical card including investment link is how much?
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that you need to sit down with your agent to discuss
Duckies
post Feb 2 2018, 03:08 PM

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QUOTE(jlgoh9 @ Feb 2 2018, 01:36 PM)
you should have a copy of the policy book ma...

if your agent cannot find a time to fit yours, change new agent...
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Hmmm...not sure if I even had the policy book. Actually my mom helped me to buy the insurance last time so I didn't really pay much attention and just pay for it monthly. Now after seeing this thread, it made me question what my policy really covers hmm.gif
zeese
post Feb 2 2018, 03:18 PM

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QUOTE(mozact89 @ Feb 2 2018, 12:12 PM)
Still need to pay until 100yo or pay until retired?
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continue pay.. but premium price same like you pay when u still young .. (actually, there will be normal increase due to inflation)..
TSmozact89
post Feb 2 2018, 03:34 PM

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QUOTE(yeezai @ Feb 2 2018, 02:33 PM)
if covered then get the cheapest one so that one day u kena goreng standby
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Why? Cheap card normally cannot cover one?
yeezai
post Feb 2 2018, 03:47 PM

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QUOTE(mozact89 @ Feb 2 2018, 03:34 PM)
Why? Cheap card normally cannot cover one?
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can cover roti kosong ais kosong while in hospital is fine
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