I would like to ask about Allianz medical card:

1) It is mentioned that examination, consultation and take home drugs are covered under outpatient cancer treatment benefits. Are routine medical check up and examinations performed every year after diagnosed with cancer covered?

2) outpatient physiotherapy can claim within 180 days following discharge from hospital?

Thanks

1) No. As far as I’m aware no medical covers routine medical check up and examination of any kind. AIA does have a feature that you can get vaccines yearly but you got to check out the TnC on that yourself.

2) Yes.

Best,
Jiansheng

This post has been edited by Holocene: Sep 10 2020, 08:47 PM

so the examination and consultation is covered as long as the cancer treatment is not done?

1. As long as it's within the scope of consultation, examination tests or prescribed takehome drugs purposes, it is claimable. My assumption on your "routine check up" falls under "Consultation" Category. So to answer your question, it's claimable.

2. Yes, start on the discharge date from hospital.

Hi,

i'm looking for property insurance for bank loan.

the current insurance charged by the CIMB bank is quite mahal. i want to change to a cheaper one.

any agent interested ? pls msg me directly, and i will provide full details.

thank you

Mortgage insurance for the physical building or for the life of the borrower?

mortgage insurance pls

Looking for car insurance. Any agent want to do?
I want to rent out my car, hopefully it can cover if 3rd party accident or lost

Any recommendation?

Previously a forummers mentioned that the insurance policy for rental car and car for private uses are different....any idea of the estimated price variance for the same coverage?

it is stated clearly in all motor insurance policies that private vehicles cannot be used for hire or reward.

The same applies to own damage claims, meaning insurance companies would not pay out a single sen if they discover it was rented out for a fee.

Thx for the info.
Some dude contact me say want rent my car
Pay quite good also..
Looks like there is no free lunch

Just asking

If we get referred to a specialist - let's say for fever any other complications - the doctor don't find it is necessary for admission - only medicines are given - we can't make any claims rights? All insurance companies doesn't cover this? As I was told we need to get admitted to get covered for claims using our medical card.
..thanks

This post has been edited by vknight: Sep 13 2020, 06:17 PM

As long as not admitted and not covered by outpatient.

No

yo billy, perhaps you can provide some other info like how much loan you took and also loan tenure. btw how mahal is mahal?

hi vknight, yea for your case, it is not claimable. but you can keep the receipts in case after that doctor visit within 60 days if it's necessary to be admitted, then you can submit that as pre-hospitalisation claim.

Thanks a lot guys. Really appreciate it

Hi all,

I have been working for a year since i graduated and now want to buy a medical insurance each for myself and my girlfriend. I am eyeing few companies specifically AIA, allianz, prudential and great eastern. I have look around the websites, but feel insecure to buy myself w/o the help of someone with the knowledge.

Preferably, i want to have an annual limit of 1m with low to non deductible (max 5k?). However, i am unsure how much will it cost me so not sure if i could pay off the premiums. So i might consider to lower it down to 500k.

I would to know how much does it cost for standalone medical card and investment linked w medical card as rider aylt 500k and 1m annual limit. So any agent willing to help me out or quote me a price?

Btw, can i lower down the portion paying the investment? I just want the flexibility of having an investment-linked insurance not the investment/return part of it.

Thanks sifus.

If you wish to invest 100% of the amount then you're better off to buy a standalone insurance policy since it has no investment element at all.

if your intention is to get a comprehensive coverage then you have to get it under an investment link policy where you're allowed to add-on additional benefits.

Mainly an insurance policy will have the
1. Basic coverage - Death / Total Permanent Disability
2. Add-on riders ranging from:
a. Critical Illness (Early, Multi, One Time Off, Accelerate, Non-Accelerated)
b. Personal Accident
c. Hospitalization & Surgical
d. Waiver of premium
e. Female specific critical illness


That being said, if you choose to invest the money yourself, don't forget that part of your investment return should be set aside to pay for future increment in premium for a Standalone (Term) insurance as insurance charges increases as you grow older.

The investment policy helps to negate this effect by allowing the insurance company to do the investment for you through what we call "Sustainability".

I'll be happy to guide you further if you need anymore info

Hi All, i have received notification from GE regarding Revision of Premium which is the 2nd time, reasons as in view of the increasing medical cost and utilisation of medical services. Have you face the same situation as mine?

mind sharing, ..... 2nd time premium revision in the span of how many years?
when was the last time it increased?
the rate of increase is how many % for the last time?
the rate of increase is how many % for this time?

1st is Nov 2016. 1st is around 13%, and this time is around 29% increase