just asking,
will this "auto extend" be subjected to underwriter review at that time (60 yrs old),...example review of existing medical condition?

what about, will it be subjected the review & declaration of medical condition?
or it will just be auto acceptance regardless of preexisting med conditions?

Hi everyone .. I might be posting in a wrong topic .. but perhaps anyone know where I can get this kind of medical card.

My previous company provides a medical card that covers my parents (RM 4,500 annually - MiCare). But since I've joined a new company, my parents are reluctant to use the Cash or debit card that I gave them for medical usage. They prefer to pay by themselves (using their pension) or might choose not to go if not critical.

But, I want them to enjoy the privilege's that they have enjoyed for several years. There is no use of having a high salary but cannot contribute to parents.

Therefore, the only other way is I prepare the same type of medical card like what previous company provides. I'll try to find other excuses so that they will use the card for medical usage.

Is there any debit medical card that is available in which I can automatically deduct from my bank salary every month? In US, they called it as Health Care Payment Card. Such card is exist?

Note: Both of my parents are over 66 years old.

Thank you for the feedback. Kindly please elaborate a little bit on this .. what kind of services is this?

Thank you. But medical policy is for hospitalization right? Any chances it would cover outpatient? Or perhaps, any chances I can go to their favorite clinic, deal with the clinic .. whenever, they show up and provides their IC's, they don't need to pay anything. All the expenses to be automatically charged on my card.

I'm trying to encourage them to go to clinics whenever they feel sick or want to see Dr. Without the card, it is quite impossible for them to go to the clinics like what they frequently do when I was in the previous company. It's "tak apa" or "sikit je" or "tak mahu menyusahkan" attitude.

If I'm with them 24/7 ... then, there is no issue, I'll myself bring them to the clinics or hospitals and pay for the expenses.

Hi I have same question,
I currently have Prulink one with Pruvaluemed 1m with RM300 medsaver bought in 2016
And I do have a pre-existing condition (heart prolapse), and also 2 cases of abscesses(tight and abdomen) in year 2020 of which 2 daycare procedure were performed to remove it
Recently, I had a policy review and suggested that I change my insurance to Allianz Powerlink which has no deductible and provides a more comprehensive coverage (medical card, CI, life, PA, TPD) for a cheaper rate
My concern is will the abscess cases be considered pre existing condition under the new policy under Allianz or will it be covered subject to waiting period

This is my full policy detail
Age: 30
Non smoker, working in office
Pruvalue One RM132/month going to be revised to RM150 in July
1. Pruvaluemed 1m
R&B RM100
Deductible of RM300
Annual limit RM 1m, lifetime unlimited

2. Prucash RM261
Death benefit RM20,000
Accidental death RM20,000
TPD RM20,000
RM1,200 survival benefit per year from policy year 2

3.Sunlife Sunlink RM200
Death,TPD RM 132,000

The Allianz plan offered/shared:
Allianz powerlink RM 200
R&B RM200
No deductible
Annual Limit 1.5m, lifetime unlimited
Early stage CI 100,000
PA 100,000
Life/TPD 100,000

Oops I missed that detail.the age cover limit is 100 years old and looks like I need glasses the premium is 250 instead of 200.I’m looking at the wrong column

Hmm interesting which means I could have a drastic increase in policy for future years to cover the policy sustainability?

Yup my Prudential agent perform a policy review for me as well
No way I’m going to pay for so many policy
As for the Allianz one was asked by a not so close friend to fill in a survey and it ended up to be a insurance selling session  . So gotta find a way to reject politely
Thanks for your reply

Hi, I got an email from AIA stating that I got a One-Off Medical Rebate but it didn't state more info.
What is it about (as in source of medical rebate) and where can I find more info about it?

boss, ru Keith Hiew?

Its not a new policy though, its an existing one. I saw a notification in 2020 for medical rebate in MyAIA, the rebate was scheduled for Feb 2021 but I don't recall getting it on Feb 2021. so........ I think its probably that.

dear sifus,

any advice for Family Medical Plan?

for H (1984) W (1989) and 2 daughters (2015 n 2019)

currently i'm paying RM 860 for all the above medical cards (with ILP and some small death / tpd / CI benefits)

looking at some family medical cards, some costs only between RM 250-550, but of course without ILP and small death / tpd / CI benefits)

perhaps for the death / tpd / CI benefits, can buy under a better policy?

kindly advice.

yeah I saw that too in the 1st notification letter. The rebate was supposed to come end of Feb, but seems like......... delay eh 

Thanks for the clarification 

I'm studying TPD offering from GE & HLA.

GE = up to 70 years old (standard stuffs here) - no extension whatsoever after 70 years old

HLA = "TPD" up to 65 years old and "OAD" (65-100 years old)
HLA's sounds interesting but too good to be true. I'm skeptical about this OAD (Old Age Disablement).
Can anyone share its T&C?

Hi sifus,

I bought ILP insurance with AIA for my wife (1986) bout 6 years ago with premium of RM2,804 per annum. The details is as follows:-

                                        Coverage                  Start  End            Premium
A-LifeLink                        RM52,500.00   
ALL1 A-LifeLink                RM52,500.00          21-Jul-15 21-Jul-87 RM1,400.00 
ADC1 A-Plus DisabilityCare RM52,500.00          21-Jul-15 21-Jul-57 0
ACL1 A-Plus CriticalCare RM26,250.00          21-Jul-15 21-Jul-87 0
APM1 A-Plus Med        RM1,110,000.00  21-Jul-15 21-Jul-87 0
APB1 A-Plus MedBooster RM1,110,000.00  21-Jul-15 21-Jul-87 0
APS1 A-Plus Saver        RM0.00                  21-Jul-15 21-Jul-87 RM1,404.00 

Fund Value as of now is RM4219.79.

Now, i am trying to cut down the premium, and i wonder what option do i have.

Actually i only need the medical card for her coz she not working, can i just change it to pure medical card? Any disadvantage of this? What happen to the fund value then?

Can i remove the life insurance, disability care and critical care? Probably can save few hundred here i believe?

The premium of RM1400 for "A-LifeLink" is the insurance part? and the RM1404 is for investment? is this correct? If so, can i discard the investment part and only pay for the insurance part?
For myself (1986), i have AIA Mediplus card since 2006, so the benefit is not that good. Coverage as below:

Medical Limit/Year Your Lifetime Limit Premium         
RM110,000.00            RM330,000.00  RM1,238.00     
Room and board RM180, deductible RM50

Can i change to the current latest medical card? What are the cons that i need to be aware of?

Thank you.

Thank you sir.

For the ILP, do you mean that i still have to pay the original premium RM2804 no matter how i re-structure the policy? Or can i opt to reduce the investment amount to say RM400 instead? This way it would still be ILP and premium would be RM1800pa.

TQ

Hi, not sure OAD is a 长照險？i heard this chinese term from Taiwan article.
And i always wonder is this kind of insurance available or common in Malaysia? I am 39 now and interested to have this as a rider (not sure is this consider as rider?). Around how much the premium?

I asked my agent (Allianz) before but he said Allianz do not have this OAD..hmm..

Thank you sir for your response.

To recap my current medical card benefit as below:

Annual limit = 110k
Liftime Limit = 330k
Premium = 1238
Room and board = 180

I checked at AXA. Compare to a quotation i got from AXA online below:

Annual Limit = 1.5mil
Lifetime limit = No limit
Premium = 1000
Room and board = 350

The difference is so huge, AXA benefit is so much better and cheaper too.

My problem, since my medical card started in 2006, is there any "practical benefit" to keep this AIA policy to avoid issue with new policy like no coverage for pre-existing illnesses etc ?

Or is there an option with AIA to upgrade my existing policy (keeping the year 2006) rather than to terminate and then sign up with the latest AIA medical card, again the issue of pre-existing illnesses etc?

Thanks.