Hye, since now my current company cover unlimited medical coverage for me, wife and up to 5 children..

Do u think medical card is good to have?

Please advice. Im noob at this.

good to have, yes

but you really need to read and study the policy and fine prints. that is all

Good to have it
read the policy to knw what right do u have

don't rely on company'one too much... if you are healthy now, buy for yourself and family if you can afford it.

if you change company in the future, the new company might not have insurance for you. and if you have pre-existing condition in the future, then it's going to be hard to buy insurance at that time.

unlimited medical coverage?


no such thing.

yes. as a backup. u need to think ahead if u change other company. also if u die early, ur wife & kids might be left with no medical coverage at all

Nope you don't need, but if you have extra money monthly just take a standalone medical card it's cheaper to cover the risk of your losing your job. And also took life insurance for urself if you the only source of income for your family in case of death or permenant disability.

Keyword here is if you have extra money

Yes confirm.. unlimited..

Outpatient and inpatient..

GLC company

Your life depend on medical ?

Everyday in/out hospital ?

Medical card rm68.90 only monthly.. based on i ask aIA card..

Not including saving..

First thing to ask urself.

1. Does ur company GUARANTEE your employment and grant your family free insurance even if you are retired / sick with Critical Illness / unable to work / permanently disabled / unemployed / retrenched ?

2. If the answer above is No for any 1 of the item, then yes, you should get urself a personal medical card insurance.

AIA has family plan for medical card @ affordable premium.

See your company trend whether they will expel a person if they have medical issue or will help to retain the employee for a period of 6-12months.

My friend got expelled from my ex company due to diabetes under the reason of "unfit to work", he can't control his diabetes very well and it makes him to take MC very frequent.

I dunno which one to choose..

Medical itself or include saving after retired..

i would advise get a cheap one if possible..

GLC ya.. thy cover for you... what if one day kena goreng? or when you sick.. u need to leave the company.. so ur medical how?

the nex year how? so

Go to government hospital

Depends on your current budget, good to sit down and start calculating all your current income and expenses and how much you're willing to allocated for your insurance then you'll know whether with savings or without savings is more suitable for you.

Someone from AIA offer me RM68.90 package.. the price looks ok.. but i dunno how good the coverage..

And then he say if pay monthly rm150, include saving rm30k after retired..

The saving amount is quite low right?

Not sure about your age so can't comment on the premium for you. As for the coverage, starts from 100k yearly with no lifetime limit. Which is good for a basic coverage but if you want to enhance it further, can add on another 1 mil on top of the 100k to make it 1.1 mil. Premium difference won't be alot, probably 90 - 100/mth (assuming based on the figure you gave)

the medical plan with investment is not supposed to be treated like an investment / savings because the future cost of insurance is calculated into the policy already. Taking out this 30k will mean that you would terminate your medical insurance in the future.

Im 29 this year..

Marries.. 1 daughter 2 yo.

should be around that figure since your age is still young.

no need government hospital got.

Yeah just shop around , no need saving I see a lot of people paying so much for insurance at last they defaulted cannot pay monthly and the insurance lapse.

I'm planning the same, my current insurance only cover after myr 10k so I pay cheap premium (700++) per year.i already have full coverage from my company.

Just spent within your budget. And don't be intimidated by all the insurance agent story about losing your job etc.i lost job before no issue worst come to worst you still have public hospital that's is a lot better nowdays

yes if can afford , medical must get the best package.

Tq for ur comment.. so the cheap one is enough for backup is it?

abang mojek meh ambil dengan saya kita minum kt sup urat keting seksyen 7 ok

I don't know your financial, so if you can afford 60 per month why not. Just spend money within ur budget, don't ikat perut just becoz of insurance.

No, I won't recommend buying Insurance just because it's cheap, but rather, it should serve the purpose to cover your financial needs, Insurance is not just about medical card, you need to make sure Death / Disability / Critical Illness and Personal Accident is covered as well.

Who is going to fund for all the cost of living and your kid's education if you just pass away tomorrow with just a medical card ? do you think it will help your family in anyways with just a medical card ?

borrow your thread....

any good websites for me to apply online??

try to save commission

Eh, how to know and understand the policy? Last time I selamba buy je. All I knew was it was life + medical + accident + savings = RM 150 hmm

Hahah. Dekat tu.. aku nak blaja n pahamkan.. dan nak tgk within budget..

get your agent to review ur policy

No problem..

One word: VERY

That's your company's. But, you still need yours if anything happens. Most insurance/takaful companies only accept registration from those within the working age range.

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

As long as below age 70, still can apply nowadays.

Worse case are pre-existing illness which may render your application with loading / excluded / postponed or rejected.

Me go to gomen hospital.
Free je hahahaha

Boleh... nanti aku wassap ya

same as TS's situation here.
if i were to apply insurance now,need medical checkup?
i'm 30+

standard - no check up required if there is no pre-existing illnesss / disability / overweight / underweight issue

medical card can cover after you retire. If pay more, cover till age 100 also possible. So, u need to think about that also.

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

who know...one day company fire u...

My company ozo same

Unlimited yaww

Still need to pay until 100yo or pay until retired?

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

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

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

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.

So the cheapest medical card including investment link is how much?

if covered then get the cheapest one so that one day u kena goreng standby

Take OKU card and RACIAL card. Can get through almost anything in Bolehland.

that you need to sit down with your agent to discuss

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

continue pay.. but premium price same like you pay when u still young .. (actually, there will be normal increase due to inflation)..

Why? Cheap card normally cannot cover one?

can cover roti kosong ais kosong while in hospital is fine

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.

Ayam oso covered by company.

But i take outside insurance oso to cover death & permanent disability

nowadays, it is a must to hv medical card bila ada emergency case!! try getting the best medical card that offer value for money. it will help you and famili a lot...

How much monthly?

Take the most basic one 200 room per day as backup. If next company no cover that much, upgrade your own coverage.

Why is this even a question? Your car got the option of no insurance?