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Insurance Talk V6!, Everything about Insurance
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ckdenion
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 Jan 29 2021, 01:37 PM
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QUOTE(anhydrous @ Jan 29 2021, 06:51 AM) hi experts, is it normal for Prudential to suddenly increase your monthly premium for medical card stating that they are revising the prices due to changes in cost of health care bla bla bla (price increase almost 20%. hi anhydrous, it is normal for all insurance companies to revise their medical card insurance charges from time to time. QUOTE(lifebalance @ Jan 29 2021, 09:28 AM) » Click to show Spoiler - click again to hide... « nice infographics! |
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ckdenion
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Jan 29 2021, 03:22 PM
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QUOTE(dragonlady @ Jan 29 2021, 02:24 PM) Isn't this just hospitalisation benefit at the end of the day? So if the government refer you to private hospital because of COVID then only you can claim this hospitalisation allowance for up to rm6k max 30 days which is the rm200/day allowance. It is a product that has existed before covid but now it's being sold as to cover ur covid expenses. I du lan a bit cos that day the agent hard sell to me like crazy but when i ask him if i suffer from complications end of the day capping limit only 6k right. then he cannot answer. so yeah.. hi dragonlady, the capping limit of 6k is something extra that some of the few companies offer (also subject to availability of the financial assistance fund). for AIA, it covers treatment also not only hospitalisation benefit. but i think agent shouldn't use that point to hard sell also. that is not the main point of getting medical card (to cover COVID in specific). end of the day when LIAM and insurance companies comes out with the risk and costing that they can take, then likely insurance companies will start allowing hospitalization treatment claims due to covid. for now things are still very uncertain thats why insurance companies don't cover (except AIA) and also due to "communicable disease that requires quarantine by law" exclusion. |
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ckdenion
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Jan 30 2021, 04:15 PM
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QUOTE(kohcyk @ Jan 29 2021, 10:35 PM) » Click to show Spoiler - click again to hide... « Hi. Anyone mind to share why do you still buying Prudential despite their plan for hospitalisation is deductible (RM300). I am planning to buy Allianz Power Link with PayorCover and MediSafe Infinite+. Sustainability until 70. Is Allianz easy to claim? and recommended? Thanks hi kohcyk, so far i submit Allianz claims twice. not much of hassle so far. QUOTE(AnasM @ Jan 30 2021, 10:21 AM) I got 2 Pru is much more easier to claim Allianz need submit this then again request this and that docs hi AnasM, maybe you can elaborate more on the claims you experience. Example: Prudential: what are the claims? medical? CI? or others? Allianz: what are the documents requested? and is it the exact same claim compared to prudential where you say its much more easier to claim? |
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