guys,need your advice.i already terminate my life insurance due to readjust my financial.
if i want to start to take medical card at age 50,how much contribution need to pay.

bape umur skg?
nape terminate?

May i know your current age?
What is your health status at age 50 regards to current health status?

depends on your age and health condition la.

if every day eat nasi mamak then mahal la

the older you are the more expensive the medical coverage. Should be around rm200-300 per month

from what i know... after 40... better not terminate any of the insurance medical... no more cheap price after that... premium is damn expensive...

any major surgery just go government hospital only, it's freaking dirt cheap

im not smoker.but really like nasi kandar.age 34 this year.

need to adjust financial.my company actually have good medical cover for me and family

dont terminate...

the older you are the higher you pay

my fren also said like that..but my compny actually have cover for eveything.i'm worried when i retired...

try buying insurance from fsm.

no agent fee, hence you really buy what you're insured for.

for claim wise, since you're able to open thread here means you're computer-literated, anything you can just fill up the claim form and submit to them.

unless you die die must have an agent to serve you, but then good agent is hard to find nowadays, i rather save the 30% than gambling my luck.

im prefer more to takaful..

rakyat.. bila waktu tersepit antara kereta dengan insuran, dibatalnya insuran terlebih dahulu. Nampak tak kebodohannya.

Pada umur 50 tahun, harga insuran agak mahal dan pihak insuran mungkin tidak akan memberikan perlindungan penuh bergantung pada faktor usia dan sejarah penyakit.

jangan memalukan kaum mamak.. kamu tu mundur.

fixed

tongku..patik cuma ada motor shj.kete cuma satu.tu pun bini bayar.
patik bayar rumah shj

not only mahal...as i know..some company will not accept new application if age too old

kad perubatan penting.. bayangkan kamu eksiden masuk hospital, pembedahan berpuluh puluh ribu.. macam mana nasib isteri kamu untuk mencari wang sebegitu banyak.

paling lewat insurance can accept at what age??

tongku..company patik cover semua tu..
perubatan untuk keluarga.
anak pula sehingga umur 18.
sbb tu patik rasa xperlu pakai.skrg klau bini sakit boleh terus masuk kpj.
company cover.

the premium depends on the benefits....so you will have to be specific about what you expect....entry at 50yo with the usual benefits, say 100k/year, 500k lifetime, premium should be about 2k/year.....and will increase as you get older....

i would choose to safe those money and spend them into medication, insurance only cover a few some common disease or problems, and no coverage within a year and known issues, like you are having heart issue now, then whatever you buy will not cover your heart, and they wont argue with you when u spend your money, but argue with you when you need money from them.

boss,not understand.\if convert to monthly,how much i need to pay.

esok bila kamu berhenti kerja disebabkan tekanan atau diberhentikan kerja atas sebab tertentu, baru akan sedar.. kepentingan kad perubatan tersendiri.

read carefully all the policies....what is covered and what is not....there will always be an annual limit....and a lifetime limit....ie, cover ends when you reach these.....

annual premiums.....monthly just divide by 12 lah....aiyo....

2k/year if divide is around 170.its true ofr i missing something

doa baik2 shj tongku..klau diberhentikan kerja,lg susah mahu bayar medical card

saya doakan yang terbaik untuk kamu.. kamu perlu nilai benda yang perlu dan benda yang tidak diperlukan.

Ada sesetengah kad perubatan akan percuma untuk beberapa bulan kalau kamu tiada punca pendapatan.. mari kita menyeru pakar insuran roysteveung untuk penjelasan lebih lanjut.

Ak dh amek 4 taun byar dh lebih 6k.satu habut x claim lagi.mcam rugi je.dh lah bill spital malaysia murah.taun ni ejen wassap insuran naik 20 hinggit.mase amek kate tiap2 bulan byar same je.dh la naikkan bayaran x mintak persetujuan.insuran totally rip off.kalau terminat dpat 0. Burn 6k..baik ak simpan sdiri msuk dlam asb bila tua sakit pkai je duit tu.bukan mhal pn bil

wtf is fsm?

Pergi je hospital kerajaan.
Murah pun murah.

Yang penting kesihatan jaga. Makan kena control sikit.

34 if you are only looking for medical card around rm200 should suffice. PM me for more info

ko kena check balik kenapa ko amik medical card... dan servicing agent ko mesti jelaskan bagi terang apa kegunaan medical card ni...

Try asking your company or your company insurer and ask them if they have portable benefit for your company insurance.

Some insurers offers this to their corporate clients employees. Basically you can pay and continue with a similar plan as what your company offers after you leave the company and they will use the health test results from when you started work with the company. So premium would be cheaper as well.

fundsupermart.

I just surf that website and click on the insurance part.
Which insurance did u choose? I saw MCIS, Zurich, HLA, and others.

How do u claim if u hospitalised? U pay first then claim or what?

depends on your needs, just ask them to quote you the price.
for the claiming part refer to my previous post.

agents also print out the claim form and submit to HQ for you only, thats all they can do, or if you encounter good one maybe they will chase the claim for you.
its good to have agent to serve you, but i rather save 30% of my insurance premium as me or my family are literate enough to claim on behalf of me if anything happens to me.

Okay thanks. I have insurance before this, but manage to pay for 3 months only since my agent is irresponsible. Thank god i can detect earlier

This post has been edited by cringe: Mar 12 2018, 08:42 PM

They cover to what extend? Will you be with this company until you're 50?

Kalau ko diberhentikan kerja macam mana?

Why not pay the minimum first? I don't know how much though.

U can say u are so poor and everything very financially dependant. If u kena langgar kereta and oku you will be fking grateful u had that insurance.

Actually insurance can cancel one. But you just taking a bigger gamble. So if u cancel is ok just make sure when u cross road or change car lane look around 2 times before you cross the road okay?