Outline ·
[ Standard ] ·
Linear+
Insurance Talk V7!, Your one stop Insurance Discussion
|
Irzani
|
 Jun 8 2021, 04:34 PM
|
|
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. Or I'll go to the extend and saying that the card was given by the new company.
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. I'll deduct RM 200 each every month for my mom and dad. So, by the end of the 12 months, the fund would accumulated at least RM 4,800 and they can use it for whatever medical purposes.
This post has been edited by Irzani: Jun 8 2021, 04:42 PM
|
|
|
|
|
|
Irzani
|
Jun 8 2021, 04:44 PM
|
|
|
QUOTE(lifebalance @ Jun 8 2021, 04:42 PM) I find this arrangement really unusual, it seems that your parents don't want to spend your money? In that case, giving them any type of card would be treated the same - they would just refuse to use it. The other method is to get them to use their IC number when it comes to claim. I guess in a way, they would "feel" that they are not using a form of insurance. If the recommendation fails, I guess you have no choice but to let them have their own way of dealing with it like what you've mentioned "They prefer to pay by themselves (using their pension) or might choose not to go if not critical." You can probably set another pool of fund for their hospitalization/medication. Thank you for the feedback. Kindly please elaborate a little bit on this .. what kind of services is this? |
|
|
|
|
|
Irzani
|
Jun 8 2021, 05:33 PM
|
|
|
QUOTE(lifebalance @ Jun 8 2021, 04:59 PM) hospitals can refer to your insurance based on your IC number. You can register to any insurance company for a medical policy for your parents. 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. |
|
|
|
|
|
Irzani
|
Jun 8 2021, 08:19 PM
|
|
|
QUOTE(lifebalance @ Jun 8 2021, 05:35 PM) No such benefit at this moment for personal insurance. You may subscribe under the company insurance for it. I see .. thank you for the feedback. QUOTE(Ewa Wa @ Jun 8 2021, 05:52 PM) If go under ur group insurance also unable to do so because most group insurance expired at the age of 65. Go to the favorite GP and do the arrangement for them is the only way. Noted and thank you Sir. Will approach the nearest GP soon. Thank you again |
|
|
|
|
|
Irzani
|
Jan 30 2024, 09:52 PM
|
|
|
Sorry for asking. I'm wondering if there is an insurance for old people (over 70) related to personal injury? It's okay if it is not about illness, but I'm worry much on the personal injury treatment cost
for example, fell down from house stair ... fell down from slippery floor until broken bones
The reason that I'm asking is that I can only see Accident (Car/motorcycle/etc) coverage but not this kind of personal injury in which it is quite expensive to treat (surgery) if an incident happened.
|
|
|
|
|
|
Irzani
|
Jan 31 2024, 08:14 PM
|
|
|
QUOTE(lifebalance @ Jan 30 2024, 10:13 PM) Yea, got.  Any insurance name that you are aware in Malaysia? |
|
|
|
|
|
Irzani
|
Feb 4 2024, 07:05 PM
|
|
|
QUOTE(adele123 @ Feb 3 2024, 07:40 AM) i am not aware of any, but does not mean there is not... however, given the old age, >70, very unlikely they can't even enter into one that covers accidental injury. i found something from etiqa, even that they only let those 70 or younger to buy and they cover up to age 70, contoh below, although your parents are not eligible etiqa via maybankthe one here is not recommended by me because you essentially just get death coverage. it does not have the medical coverage caused by accident. this is NOT true. even for medical insurance, give parents over 70-year old, they are not eligible to buy now. accident insurance also can get in malaysia. dont need to go to singapore. I see .. thanks for the explanation .. means my parents have to rely on the General Hospital until their last breath. Fortunately they are Gov pensioners. I'll try my best to save up more for future incident. At least can cover cost for early treatment and checkup via ICU at private hospital. For surgery or warded, will request reference to General Hospital. Btw .. I've found this from MSIG ... the entry until 75 years old .. personal accident did cover fall stairs? https://www.msig.com.my/personal-insurance/...sonal-accident/TQ again for the advise This post has been edited by Irzani: Feb 4 2024, 07:49 PM |
|
|
|
|
|
Irzani
|
Feb 4 2024, 07:27 PM
|
|
|
 https://www.prudential.com.my/en/products-h.../prusenior-med/» Click to show Spoiler - click again to hide... « For this package, can it cover for the below scenarios? QUOTE 1. A volunteer who was working to fix a pipe at a Mosque or Community Hall has unfortunately sustained an injury. It's worth noting that the individual in question was not employed by the Mosque or Hall and was purely offering their services on a voluntary basis.
2. Due to a leg cramp or misstep while going down the stairs at home, the person falls and breaks his hand. Minor surgery is required due to a wound.
3. While gardening, the person received a minor cut from a gardening tool which required several stitches. This is the scenarios that I can think of my old man will faces in the current activities ... This post has been edited by Irzani: Feb 4 2024, 07:35 PM |
|
|
|
|
|
Irzani
|
Feb 5 2024, 12:13 AM
|
|
|
QUOTE(adele123 @ Feb 4 2024, 08:36 PM) Pru senior med maximum is age 70 to enter. Sadly. As for your question kinda moot... Ok.. now I'm a little bit worried. Means the insurance company can challenge the insurance taker due to: 1. Work without any proper insurance? Mosque or Community Hall need to purchase insurance on behalf? 2. It was intentionally injury? The risk of falling stairs or gardening is high? This post has been edited by Irzani: Feb 5 2024, 12:15 AM |
|
|
|
|
Quote
0.0269sec
0.95
7 queries
GZIP Disabled