I just did quote for my client from 3 companies recently. They asked which plan to recommend after I explained each of the plan. In the end they picked the one that they think suit their current situation.

So it's hard for me to advise you without consultation.

For prenatal plan , it doesn’t allow you just to purchase the medical card alone only. You must sign up a life investment linked policy and attach medical card into it. 😄 how much the plan cost depend on what other add on you attached into it such as accident , critical illness , parent payor , and so on…how long you want to get insured also plays an important role in calculating the price. Some people paying 200 per month some people paying 1000 per month also got 😄

This post has been edited by ping325: Apr 22 2022, 06:48 PM

guys do you know any recommended standalone medical card?

I dont want investment-linked.

This post has been edited by CoolStoryWriter: Apr 22 2022, 10:43 PM

plenty of standalone insurance out there, you got a choice to choose whether to get with an agent or not.

If you get it through an agent, you'll get proper advise on what to get & services. Otherwise you'll have to figure out yourself.

also, since I already have MLTA from house loan, I dont think I need life insurance. Is this a good idea to just get a standalone medical card?

This post has been edited by CoolStoryWriter: Apr 22 2022, 11:03 PM

Buying any insurance is good if one cannot undertake own risk. Small premium for peace of mind.

Can do termination online for GE policy? My agent dissappear many years

No, you will need to walk into their office to submit your request if you wish to terminate the policy.

hi blibala, the only way to do it without going to GE is to submit via eConnect. if you need any guide on that just let me know, so I can guide you which forms are needed and what to be submitted

hi CoolStoryWriter, it's best to discuss with an agent on the spot because by discussing face to face, it's easier to know your concern and solve it then you will be clear on what you actually want. as we don't know your exact financial situation. so we dont simply say "yea just get a standalone medical card is good for you". perhaps discuss with the agent that you got your MLTA with, i think that is a good start.

Balik Kampung minggu depan?
Ini tip penting untuk beraya dengan selamat!

& test for covid

Hello sifus sekalian,

My friend has 2 medical cards. First medical card purchased many years ago and due to low annual limit, second medical card (Other company) with RM5,000 deductible amount purchased, however with exclusion (eg spine) due to health condition.

The first medical card is now planned to be reserved mainly for spine issues in the future.

Therefore, let's say in the future admit to the hospital due to other reasons (eg heart problem and cost RM50k), plan to use 2nd medical card for admission, by paying the RM5k deductible.

Question to ask: can he claim/reimburse back the RM5k deductible amount from the first medical card later on? while 2nd medical card bears the remaining RM45k.

Or can have others better arrangements?

This post has been edited by ykaism: Apr 26 2022, 10:40 AM

Yes. Your example make sense and do-able. But involve some time and effort because you need to deal with 2 companies.

How much is the annual limit for both 1st and 2nd card?

Icic, thank you for your clarification. Then can I advise him to always utilize the 2nd medical card first and reimburse the 5k from the 1st medical card provider later on? Will there be any risk that can't reimburse back the amount? Time and effort should be fine.

The annual limit for 1st card is only RM50k while RM120k for 2nd card. He is 60+ years old and both the cards are stand-alone.

Yes. You can do that.

I'm not 100% familiar with processes in general. I'm more aware of how things work.

The likely situation would be the remaining 5k need to submit to 1st company with proof that you pay for the 5k yourself. You probably have some documents to submit, to them. The 2nd card likely is the card you will "check in" to the hospital and request GL from la.

But if and when really masuk hospital, the carer must ensure all documents available. I'm not sure if your agent still actively serving, if no just abit slower. Because you may miss out certain docs required by 1st company. The 2nd company should also provide document on what they cover what they dont cover which is the 5k. Last time saw this with another claim of a family member. Roughly only ya. I am really not claims process expert. The 5k obviously claim after discharge.

Hopefully the claims submission will get easier moving forward with tech available.

As long as genuine claim, insurance company will pay geh.

Let me guess. 1st card pru, 2nd card HLA?

This post has been edited by adele123: Apr 26 2022, 11:11 AM

Question to ask: can he claim/reimburse back the RM5k deductible amount from the first medical card later on? while 2nd medical card bears the remaining RM45k.

Nope, you won't be able to do so. - Refer to Post #2060 on the updated reply

This post has been edited by lifebalance: Apr 26 2022, 12:24 PM

Hi, any reason for not being able to do it? This is the opposite of what adele has advised. Aiks.

Oops,... Salah taksif.. Soli

This post has been edited by yklooi: Apr 26 2022, 11:59 AM

Apparently, there is a mixed answer to this.

Certain company would honour it whereas another may say "no". So better check on who is the insurance provider.