Even if u take rm150 also wont guarantee not increase one.. but it is much more stable than the cheaper plan

Kata nak lanje sup urat keting

Cheap one (68.9 Monthly as u said) most likely cover less than 100k medical claims per year WITH lifetime limit

More exp one which is ILP normally cover millions of medical claims annually WITHOUT lifetime limit a.k.a unlimited

Jom esok malam on.. mlm ni dh ada appointmeng lain =D

Tq bro

If you have that, then no need, unless your medical card gave better coverage.

Can buy some for peace of mind if can afford.

Otherwise don’t bother.

At the end of the day, private is sending you to govt when it’s too severe.

They don’t want you to tarnish their good name.

Personal experience- twice!

Bro, seriously no such thing as unlimited.
Have limit.
Maybe HR didn't check properly or inform you wrong.

Bro, you buy what you can afford now.
When you no longer work with the GLC, this is when you will appreciate buying at an early age.


roystevenung

This post has been edited by DarkNite: Feb 2 2018, 09:14 PM

No such thing as unlimited ?

How much do you want to bet?

Petronas lettew

Anyway can afford just get it la...peace of mind

there is no such thing as unlimited if your Co is getting an insurance Co to cover you. at least a lifetime maximum.
the only Co who covers their employees using their own coffers and not involving an insurance Co is Apple.

This post has been edited by Mackiddo: Feb 2 2018, 10:45 PM

Thanks for ur experience sharing. Private hospital try not to responsible with critical and chronic issues some time.

Previously our company using PM Care services..

But now, all the medical expences is cover under ourself. Our company set up one unit (that will become subsidiary later) to manage medical for our staff, and to all the retired staff (that serve the government before) ~ their medical coverage is untuk they die(to any private hospital).

And yes our company medical expences is very highh..~ 560mil last year.

Not petronas. Petronas staff normally using AIA and most of them are pay and claim.

At this time, only can afford cheap one. Huhu

that make sense. unlimited coverage by the Co itself. show how much they value their employees.

This post has been edited by Mackiddo: Feb 3 2018, 09:27 AM

There is such thing as unlimited, if you are working in a bank.

I am an Insurance Agent myself, and here is an advice.

It is good to have a personal medical card for yourself and your family.
This is important as you do not know how long you are staying with your current company.

I have an example: I have approached my bro-in-law's sister on taking up her own medical card. She and her boyfriend said maybe later because she was covered by her company which provided her unlimited medical. Since they are not interested at that moment, I did not continue.

Few months later, I heard from my bro-in-law that her sister is leaving the company. I approached again, and this time her boyfriend told me that she will buy, but will get back to me soon. But her last day was like in 5 more days. And I told them that medical card has a waiting period of 120 days, so please get one ASAP.

What if something happens during the 120 days when you have applied medical card? You will have to pay the medical bills with your own money!

Therefore, I urge you to get a medical card ASAP when you can afford it.

There is a saying from my senior: You do not need to believe in Insurance, but you MUST get a medical card!

Ok
Tell me
What insurance company will be best choice for my Max budget of rm200 purely for Medical insurance card

Above 30 now.. the insurance will be more expensive right

important for critical illness only.