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 Insurance Talk V6!, Everything about Insurance

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shuqian6991
post Jun 21 2020, 11:18 PM

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I am a 24 yo non smoking female with considerably high myopia, still in university, have not bought any insurance before, and want to buy medical insurance, what should I get? Preferably it covers critical illness.
Also, I feel stupid to ask, is there insurance plan that will pay for my medical fees such as consultation, treatment, tests, admitting to the hospital etc without having me to pay from my wallet first?

Thanks
shuqian6991
post Jun 22 2020, 08:51 PM

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QUOTE(GE-DavidK @ Jun 21 2020, 11:34 PM)
Get medical insurance with a bit of life, critical illness and waiver coverage. Make sure the length of coverage and sustainability of the policy is up to the age you are comfortable with.

To answer your question, the medical card will pay for your consultation, treatment and tests when you are admitted to the panel hospital. In another example, if the result of the consultation does not require any further treatment, surgeries or hospitalisation, you will need to pay for the consultation by yourself.

To sum it up, medical insurance is used for the following 3 purposes:

1) Accidents treatment
2) Hospitalisation
3) Surgeries or Outpatient Treatment
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I see, what are the medical insurance with a bit of life, critical illness and waiver coverage are there on the market? Can you name a few? Do they come with the medical card as well?

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