Yea from here kl only HQ only

Great Eastern Smart Extender also one of them. But a quick look at the brochure, the minimum deductable is 60k.

I see, so below RM 10k doesn't make any big differences in terms of premium payment?

How does a high deductible standalone medical insurance work?

Let’s say I have a Group medical policy at work that covers me until RM30k. I’m hopeful of being gainfully employed for most of the next say, 20 to 30 years. To supplement my Group medical policy, I decide to purchase a standalone medical policy with a deductible of RM30k.

The idea is that the first RM30k will be covered by my Group medical policy paid for by my employer, while anything beyond that is covered by my personal medical card. My annual premium rates will be reduced by around 70% doing this.

In this scenario, assume life is perfect. Assume no changes in the Group policy. Assume that the policy renewal date matches 100%. And assume that the Group policy is under AIA while the individual medical policy is under Great Eastern. Both have cashless facilities. No exclusions or pre-existing.

How workable is this?

This is very important. I was under the impression that those with GL facilities and with co-payment will still have GL issued but with the added co-pay / deductible caveat. Am I mistaken? Do all co-pay deductible  policy claims have to be done on reimbursement basis? Usually GLs are issued in batches of something like RM 3000. First GL, second GL.......final GL

Hello , Currently whats the recommeded plans for critical illness and from which vendor

Hi, Any medical card recommend?

I have one medical card - RM100k (axa now changed to generali) just RM456 annually.

Recently my colleage went hospital, 2 weeks ady utilised more than RM75k after that go to government hospital.

Any good medical card got higher limit and better "PRICE"?

Wondering those with standalone medical card ,does this kind of insurance cover immunotherapy and hormone therapy? When ask customer from fi life they can't seem to give me direct answer and even when refer to the product disclosure ,refused to give me clear answer. it was quite funny actually lol.

Hi guys,

I'm considering getting a high deductible medical plan (RM20k or RM30k) for my dependents. The logic behind this is:

1. For the next 20 to 30 years, I expect to be gainfully employed most if not all of the time. As such, work would already provide some form of medical coverage via GHS for my dependents.
Risk that we unable to calculate is the health risk. What IF your dependents hit by some CRITICAL Illnesses, unable to get a medical card in future. There’s the regret here. Although kids are generally healthier but still have risk…

2. Cost containment. Plans with high deductibles then to be more affordable and also then hit with repricing, tend to have lower quantum of increases. This is because the pool for deductible plans usually comprises of a healthier cohort.
You are right, this kind of plan is hardly kena repricing. You can save a lot in these 20-30years.

3. Even in the event I am unemployed temporarily, I will have sufficient liquid assets to pay the deductible if the need arises.
Good you have the liquid cash but will it be painful for u to pay the hospital bill when come to claim? 

My concerns are:

1. Are there cashless plans that allow this? The ones I have seen clearly mention that if I select the deductible option the cashless facility is withdrawn.
There’s a reason for not able to offer cashless. Insurance Company need to do a check b4 paying the bill. Usually reimbursed basic.

2. Can the deductible.amount be claimed from a typical GHS policy?
Yes. Use the GHS policy 1st, then excess amount by reimbursement on high deductible policy.

3. Can 2 GLs be issued, first for GHS policy and then for top up cover from the individual medical plan?
No GL is issued for high deductible plan as per question 1.

4. What am I missing? What are the other potential drawbacks to this, aside from what I've already mentioned above?
Good luck

Thanks!

I suffered a concussion(accidentally bang my head into a steel banner) in hometown during CNY holiday

1 day after impact, rushed to local hospital kerajaan due to post concussion symptoms since my hometown no private hospital (no demand). Dr did CT scan, blood test, all ok so was discharged after few hours

1 week after that I return to KL, had some bad post concussion symptoms so went to specialist in private hospital . Did CT, ultrasound, blood test, eye testing. Again all ok

I have Pru Acci Guard and I also bought tripcare360 from Etiqa for this trip. Would I be able to claim for these costs or unfortunately my silly mistake of walking and banging into steel banner will cost me thousands . I asked my Pru agent and she mention as long as accident should be able to claim

Great Eastern now has THREE medical insurance riders on-shelf. As I recall in the past, they only ever had one such product at any one time. E.g. SmartMedic, then SmartMedic Xtra, then SmartMedic Million, and then SmartMedic Shield.

But now, in addition to SmartMedic Shield, they have:
- Smart Health Protector
- Great MediValue

Can anyone differentiate between the 3 plans? I upgraded from SMX to SMS previously - should I upgrade to SHP or GMV?

Any idea why they are having so many different products now, when in the past they consolidated into a single offering?