Can you tell me the reason you choose the company and makes you think it's one of the best insurance co that provides good benefits?

Non-Serious Answer:
Father-Mother-Insurance Sdn Bhd

Serious Answer:
Prudential or AIA
These 2 are the most competitive in the market, both their packages are pretty competitive.

best insurance company will see which you looking at most.
by the way agent service is your priority.
I'm work for Great Eastern, can provide you any service if you need.

AIA lor

AXA eMedic..

Costs me RM148/month for family of 4..

Package includes Rm100,000/year hospitalisation limit for each individual.

RM250/day room-rates. Means I can afford a single suite at all the private hospitals.

Same list of health coverage as AIA/Prudential.

overseas Brunei, & SG temporary travel coverage.

etc.

For similar family package at other companies, it will cost me 1000rm a month.. and neither of the main insurance companies have a family package..

no brainer for me really..

This post has been edited by Liamness: Dec 17 2019, 11:47 AM

wow. That's family package of RM 148 per month , i would say the best of all insurance policy now.

Who ever think their package have this deal please stand up . I like to see the best of the best.
RM 100K per individual per year , that's something nice too but not if the patient is a cancer or diabetic type. That treatment could cost more in private hospital.

yes, this package is completely online.. It really cuts out the middle man aka greedy insurance agent..

in this day and age, truly don't need agent liao. registration is completely online and easy to do.. takes less than 5 minutes from entering your details to confirming the package you want..

Not to completely intervene in you choice of insurance platform. Somehow, I suggest you to read the policy.

There are difference between full coverage & reimbursement insurance.

Most online insurance package provide only for reimbursement - which means pay first later claim up to certain amount.

I am not insurance agent, but I've been into a lot of insurance package from different company/agent. I strongly believe the insurance that having a consultant are the legit one. Make sure consultant know your needs and policy is clear accordingly.

This post has been edited by rekaito90: Dec 18 2019, 09:12 AM

Thanks for sharing . good to know.

Yeah, keep survey, read & understand the package/platform. The lesser the budget the less the coverage or specification of insurance.

Look for Medical card that cover up as a whole.

Need to understand as well full takaful coverage, co takaful etc...


Do research ya.

That is simply not true.. Axa eMedic is 100% fully covered and paid for by the insurance company directly. As long as you visit their panel hospitals, which is basically all major hospitals through-out Malaysia, you don't have to pay anything if you are admitted.. Which is exactly the same as other insurance..

Read my reply.. he is providing mis-information..

This review gives everything to make your informed decision. https://www.ibanding.com/axa-emedic-medical-card/

Not true.. you are providing mis-information..

here are the facts:
For as low as RM50/month, you get,

RM100,000/yr medical fee coverage,
RM250 board room rates,
Cashless admission,
Panel hospital cover at all major & some minor hospitals through-out Malaysia,
Limited overseas coverage, &
Coverage for all the usual illnesses & diseases.

It is by far the best package right now because it cuts out the middle man, the insurance agent & investment type policies.. this policy is precisely for those who want a hassle-free, minimal cost, & full medical coverage plan.

Infact, I decided to buy it because I wanted to move my family of 4 directly under one package for convenience. I approached the major insurance companies and none could even propose a package that covers 4 individuals.. AIA was the only one that has a family package, but you need 5 individuals and it costs more than 1000RM/month.. This greed is being taken way too far and i'm surprised that AXA are the only company to recognise this and have introduced a hassle-free, & reasonably priced product, that perfectly meets my needs & requirements for people like myself.

Infact, their package for individuals are even better! RM500,000 limits, RM500 board room rates, etc. Truly first class medical insurance package for less of the cost than even the most basic package AIA, Prudential, GE, etc can offer to you.. AXA eMedic is a true winner.

Whether or not you need an agent, it is up to the individual.. If you are tech savvy and can post on an online forum, I do not see you having any issues whatsoever..

This post has been edited by Liamness: Dec 18 2019, 02:44 PM

Thanks for counter feedback. Yes i do agree that as long as we visit their panel hospitals and filed the required documentation , it should be alright.

Regarding the admission without paying anything, maybe the hospitals want to take some deposits from patient first before they process the policy right. For eg.. if the admission is emergency, the nurse will ask for minimum payment deposit right?

Yes, that is just a deposit. It will be refunded once you discharged. Standard SOP.

Although I do agree that some online only insurance have to pay first then claim, Axa eMedic isn't one of them, and infact, it is clearly mentioned through-out their policy & website that they are cashless admission. You just need to produce your medical card at admission counter & also make sure you are visiting one of their panel hospitals first prior to admission.. but usually, the counter will straight away let you know whether they accept Axa emedic or not.

This post has been edited by Liamness: Dec 18 2019, 02:24 PM

Axa emedic doesn't cover cancer right ?

It is covered.. why wont it be covered?

look, it is exactly the same insurance policies as your normal one.. the only difference is that there is no agent or branch for you to visit in person.

Everything is done online or through your phone/email.
Whether that is for you is up to the individual preferences..

But for me, I was looking at paying RM150/month vs RM1000/month for a family package. No brainer for me to choose Axa eMedic...

Cause thing is when I was looking through it , dialysis , outpatient cancer treatments are not covered. No idea if I would need these ever though.

about axa.
the payment 150 will not stay forever 150, it will increase annualy right?

https://axa-com-my.cdn.axa-contento-118412....80528_clean.pdf

well... what online cannot agent never tell you is how our medical cost inflate < https://howtofinancemoney.com/cost-medical-procedures-2015 >

just for your info, Malaysia medical cost rise about 10 ~15% ANNUALLY ask your online agent do the math about the 100k for you.

understandable that costs increase. But, even my prudential agent hasn't informed me of necessary increases, in the 10 years I was with him...

Maybe they just have too many clients by now..

anyways, my thinking is quite simple.. Just get the most coverage that you can afford.

yes i also agree with you. even with my previous Manulife insurance. Before purchasing, they had everything coming with this is GOOD , lots of benefits etc... etc..After few years, Manulife company starts to send me letter told me the premium have to increased . I was wtf.. after 2-3 years, they send letter and increase again.. If i look at the current promotion by other agency, it's really not worth it . It's like i have to cancel the old one and buy new one.

Is yours one of those investment linked type insurance? I thought they promised will not increased price?

no, just a hospitalization but their clause is stated that premium increase are based on market . so we cannot do anything if their company increase . they increase a lot though but what ever annual limit they provided last time stays and not worth it if u buy the latest one No limits claim or higher coverage.

Noted I might be wrong but I just need to sure regarding this plan . This is what i read from.

https://www.axa.com.my/assets/SmartCare-Optimum-Brochure.pdf

A comprehensive coverage that gives you a high range of benefits. From a full refund on in-patient and day surgery costs
to high benefits for various out-patient treatments. When it comes to medical coverage, SmartCare Optimum is just what
the doctor ordered.



ps : I think optimum is different product than AXA e-medic that you mentioned. Optimum did cover until 500k yearly.

The annual max for E-medic is 100k only

This post has been edited by rekaito90: Dec 18 2019, 10:49 PM

**edit**
in reply to both of you, for investment link really down to the fund your agent select for you, besides that standalone also increase every 5 years and no guarantee renewal as in once a person got heart att, the fella may no longer insured next year.

with medical cost keep rising... the only due diligence is check the fund your agent select for you, try to look for those with fixed income as in return 4~5% annually. the return can help you to lock your current fees longer

This post has been edited by blindmutedeaf: Dec 19 2019, 09:20 AM

investment link comes with cash value.
if your fund not performing, it will increase

dunno
just use company med card which cover all family members

5k outpatient
50k inpatient
250 room rates

maybe gonna looking for extra med card for backup since that 5k machiam not enough je

I called up AXA to ask them and they confirmed emedic plan exclude outpatient cancer treatment and outpatient kidney treatment

I think most Important is choose a good agent more than which company.
Coz nowadays all are almost same. Maybe just slightly different and I think which insurance company also enough to cover you.

None personally
Only depending on company's medical card (Allianz)

Can upgrade also they can go uo to rm1.5mil a year for hospitalisation.. Now i need to go do my medical checkuo then go apply.. Damn worth it imo.

Seems like now AXA provides an upgraded version SmartCare Optimum Plus... basically max coverage increased to 2.1 mil instead of 500k...

Sometimes I wonder what is left of the patient if 2.1mil worth of treatment is given to him...

Which package your choose? With deductable or without deductable?

With deductable, you need to pay RM 1000 per admission. Non-deductable is full coverage.

If we look into non deductable package, Great Eastern did offer better option for standalone medical card.

Erm..btw yes I am insurans agent, not here to promote but to clarify above statements.

I choose full coverage for whole family. Is great eastern cheaper for a family of 4? Somehow i dont think so..

I'm using investment linked type medical insurance for 9 years already. Within 9 years, the premium had increased one time by rm20, from rm162/month to rm182/month. So, I guess, the price does increase eventually..

Any med.ins recommendations for non-family man? I have a company insurance but I'd like secondary backup. Around <RM120 per month would suffice.

MediSavers also quite good. It offers

GL coverage. Not pay and claim
Unlimited yearly limit (but RM 1mil per disability)
Unlimited lifetime limit
Overseas GL up to USD 1mil
Health screening incl cancer marker screening every year
No Policy Withdrawal Clause
Gurantee Renewal up to year 2115

I also looking for medic card cover for me. Although my comp provided, but it is wise to buy now or later.
My target is to have single room covered, outpatient treatment for canser.

AIA

The one with health wallet

Longgggggg explanation provided by my consultant

She is a Finance Planner and her company got many insurance company license to sell policy

So I simply ask her to quote me on different companies and ask her to do comparison and explain to me

Can't agree more.
Once, I was hospitalised and did not bring my medical card. So all paid using my credit card.
After discharged, pass all the bills to my Manulife agent for reimbursement and all done in a month.

Another time, my son was hospitalized and again forgot to bring medical card.
Again, all charged into my credit card and once discharged, pass all bills to my another agent (Prudential).
This time, the agent blamed me for not bringing the medical card and asked me to go to the hospital to get all the required report.

That's y agent is more important that the company.

mind to share your consultant.? thank you

when u change company, then how? no need go hospital?

where to see full details and how to apply? i googled but have many website i dont know which one to refer to. you have agent can intro?

Do you have any idea what is the cost if admitted to the hospital due to cancer? Follow up treatment will be covered under the medical card or not? After the yearly limit is reached, then have to wait next year only can continue treatment if patient is still alive? Thanks

Hi sorry, don't you feel this insurance it's like too good to be true? Inside the contract, any clause like "the insurance company has sole discretion to increase the premium as they deem just?

wow, sounds so good and what is the monthly premium?

Unlimited means if a patient has cancer, he will enjoy unlimited treatment until he is cured or passes away? I hope you can help ask the agent if you also not sure about it. Thanks

UGPM

He will get unlimited cancer treatment untill year 2115. But yearly limit for cancer treatment around RM 1mil per year (but still can claim for others illness, subject to RM 1mil per year too)

The membership come with standalone medical card, hence price depends on your age and package (got 4).

This post has been edited by Scud_eSpade: Dec 29 2019, 04:47 AM

Really good deal.

So does it mean the patient can just enter the hospital for treatment whenever the cancer patient is not feeling comfortable or require treatments/medicines as long as the yearly limit of RM1 million has not reached?

Wait for GL before any treatment.

Sorry to revive this thread,

Why no one recommend GE? Is it inferior than AIA & Prudential? Thanks sifu

Good share!

there are pros and cons in between those 3.
For GE, current promotion (get 1mil medical coverage, complimentary 2 mil) is superb

Good thread to keep. For me, medical card is good for emergency purposes only. As we konw, the waiting list in governemnt hospital is way too long.
But for long term illness that need long term care/ follow-up and medication - still best to do in government hospital.

BUMP, anyone came across with AXA life insurance any comment for it?

I just terminated my Pr******** due to the recent ridiculous increase in monthly premium.

I guess based on this thread, its gonna be AXA emedic or Medisavers Lonpac.

Anyone got experience claiming from this 2 companies? Any issue?

This AXA online basically wants u to declare u hv no health issues generally, without proof of med checkup.
Not sure when comes to claim time, they will reject u kaw2 o not

yah must be not hospitalize before only can get it. i 2017 hospitalize for some viral infection.. tak boleh.

I'm with MedisaversVIP 400SP