If you're worried if they fall sick and seek treatment from the hospital that might cost a bomb. Then getting a medical card for them is a good consideration.

Premium is about 100 - 200 monthly based on 59 / 67.

My budget not much (but still higher than 200 per month), any standalone medical card with co-insurance / deductible that is recommended for my dad? need to at least be able to cover any critical illness operations if something happen.

This post has been edited by h180800: Jul 12 2021, 04:16 PM

what is your expected minimum amount of money required for the insurance to pay out for your dad so as it be able to cover any critical illness operations if something happen PER YEAR or no limit per year?
per year 200k or 400k or 50k or ..... ?? or no limit per year?
do you want them to pay all out or you are willing to pay out some money on your own? if yes, how much do you want to pay out by yourself before the insurance company pay the rest of it?

do you DAD had any preexisting medical conditions? like past medical history, high blood pressure, cholesterol level, high sugar level, etc?

This post has been edited by MUM: Jul 12 2021, 04:47 PM

I guess 100k per year should be enough if go gov hospital? I'm willing to go for deductible if it is more value for money as I can afford a few k from my emergency fund.
My dad got Hep C, no other medical problems that I know of.

100 to 200 monthly without deductible should be no issue.

Oh i see coz i heard an agent told me for 1st 2 years there is no cashless admission must be reimbursement admission...

then I guess the agent has misinformed you.

hi aronron33, the statement is partially true and the correct statement will be the 1st 2 years, contestability clause applies.

so what this means is, for the first 2 years of the policy, company got the right to not issue GL (layman term: cashless admission) based on the admission reason. so when company doesn't release GL, as a medical card holder, we pay the medical bills incurred first, upon discharge only we can file the claim. Company will investigate and if this claim event has no dispute, then company will release the claim. so long you disclose everything in the insurance application form appropriately, then it will nt have any dispute in the future.

Does the insurance charge in ILP increase time to time according the health assessment?

the insurance charges in ILP increase time to time due to age risk factor (different health risk based on age).

What do you mean by health assessment?

It increases overtime due to your morbidity & mortality rate.

Oh from my understanding if standalone medical card they will have health assessment then increase your premium (like if u claimed something then they increase premium?) correct me if im wrong

No, that's incorrect.

Unless if you're applying for an insurance which the insurance company apply loading to you based on your health condition.

Oh i see.... Any company which doesnt apply loading to intro?

Loading is given based on the underwriter's assessment on your health declaration. I doubt there are any insurance company out there that will "never" apply loading to applicants with sub-standard health.

if you do come across, do let me know as well, I'm interested to know

Haha so mean it doesnt exist then... Any standalone medical card to intro?

Hmmm there is so many out there.

You're looking into anything specifically ?
- Brands
- Specific Benefits
- Features
- Deductibles
- Premium

Not all admissions but like cancer treatment might face GL declined when policy inforced within 2 years.

Do look into this https://www.greateasternlife.com/content/da...er-brochure.pdf

This post has been edited by Ewa Wa: Jul 13 2021, 03:28 PM

Hi all, any review about E-medical card from MediSavers? How is the comparison to Fi.life?

This post has been edited by kelissa: Jul 13 2021, 08:21 PM

Hi all, I am currently 32 years old, non smoker, and I am considering an ILP plan between Prudential PRUMillion Med with 300 deductible and Allianz MediSafe Infinite+ with 5k deductible and retirement option, since I have company insurance to cover until I retire.

Would like to seek for advice which one you will recommend:
1. If I planning to go Singapore to work for few years, which plan will be more suitable for me?
Allianz
If the Life Assured resides or travels outside Malaysia, Singapore and Brunei for more than ninety (90) consecutive days from the day the Life Assured leaves Malaysia, no benefit will be payable for any medical treatment received by the Life Assured outside Malaysia apart from Singapore and Brunei.
Is that mean that if I need medical treatment in Singapore, it will be covered?

Prudential
If you choose to have or if you have been referred to be treated outside Malaysia, the benefits for the treatment are limited to the reasonable and customary medically necessary charges for equivalent local treatment in Malaysia and subject to 90 days residence limit.
Is that mean that if I am out from Malaysia for 90 days, then I will not be covered?

2. What happen if I want to opt for higher R&B when I get hospitalized?
For Allianz
You shall bear the difference in the Hospital Room and Board charges if the Life Assured is hospitalised at a Room and Board which is higher
than his/her eligible benefit.
Is that mean that if I have a medical card with R&B 200 and I opt for R&B 300 during hospitalized, I will need to pay for 100 per day only? I remember that some other insurance companies might need to pay 10-20% on top?

How about Prudential in this case?
Thanks a lot for your help!