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 Which medical card insurance you buy?

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JohnKekHow
post Dec 31 2019, 12:42 PM

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I pay

1) Medical card Takafool PruBSN AnugerahPlus = RM163/month

2) Life Takafool PruBSN WarisanPlus = Rm448/month

3) Life Takafool Zurich (takafoolink) = RM 400/month

oh waiii burning those monney laugh.gif whistling.gif
JohnKekHow
post Dec 31 2019, 12:47 PM

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QUOTE(ali00 @ Dec 31 2019, 12:45 PM)
Why so many plans?
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only take takafool zurich plan just showing support to my sister who have just became their agent recently....LOL
JohnKekHow
post Dec 31 2019, 12:52 PM

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QUOTE(cofin @ Dec 31 2019, 12:51 PM)
Prudential Assurance Malaysia Berhad

the medical card alone cost me rm350
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walaowei...you must be old...35 onwaards hmm.gif
JohnKekHow
post Dec 31 2019, 02:30 PM

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QUOTE(plouffle0789 @ Dec 31 2019, 01:25 PM)
what is inside Life Takafool Zurich (takafoolink) ???
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Age : 29

For Zurich Takafool
Death/Total and permanent disability (TPD) - RM 300K
36 Critical Illness - RM 200K (Deductible from Death/Permanent Disabilty if claim, so left RM 100K)

For PruBSN WarisanPlus

Death/Total and permanent disability (TPD) - RM 500K...If die in accident like car...double the amount...
43 Critical Illness - RM 200K (Deductible from Death/Permanent Disabilty if claim, so left RM 300K)



JohnKekHow
post Dec 31 2019, 02:32 PM

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QUOTE(gooroojee @ Dec 31 2019, 01:52 PM)
Any medical card these days that cover normal clinic visits .. and normal specialist visits , generally including consultation, medication, procedures, etc.. but doesn't fall under 36 critical illness

Which insurance cover the following :

1. riding a motorbike, fell down, broke an arm, put into cast, no hospitalisation.. what can be claimed ?

2. high fever , suspected dengue , refer hospital for observation , after one day discharge after fever subside ... not dengue

Thanks in advance.
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Zurich takaful got i think...can check the website..PATINA2016..takafool product
JohnKekHow
post Dec 31 2019, 10:35 PM

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QUOTE(plouffle0789 @ Dec 31 2019, 06:45 PM)
Covered HIV Due To Blood Transfusion
And Covered Occupationally Acquired HIV

Nowadays many this case???

43 critical illness included this.........

What means occupationally acquired hiv?

Your collague transmitted to you?
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Ayam not sure...i think for occupationally acquired HIV is related to those who are working as health worker like nurses or MA who might got infeected by hiv by other means...ie accidentally hiv blood is spill/in contact with the victim ahaha
JohnKekHow
post Dec 31 2019, 10:48 PM

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QUOTE(GE-DavidK @ Dec 31 2019, 06:59 PM)

Interesting. That means you have 2 policies which function as income replacement/debt cancellation.

Total life/TPD: 800k
Critical Illness: 400k

I would say you are quite good in coverage if there is anything happen to you from now on. Do you happen to have family/loans which is the reason why you bought these policies?
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My family dont have any debt significant (like house/car loan) anymore...only got F&B business related debt which i think below RM100k...nah i only bought the plan early so that the premium pay is lower... laugh.gif

FYI im a smoker...i can see the premium fee calculation factor/coefficient for a smoker is really high....i see the coefficient for woman smoker is really damn high compared to the man smoker sweat.gif

 

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