Because i'm claiming death benefit due to Covid but its under AIA Flex PA.
The agent and AIA says Covid is NOT covered under the 23 infectious diseases mentioned in the brochure, however MERS and SARS (Cov) is in the list, So since the brochure probably was old/not updated im hoping Covid is included.
Otherwise i would only get 10K as opposed as 60K (+10K?) for infectious diseases.
https://www.aia.com.my/en/help-support/impo...ge-no-cost.html
This is the only 10K get for Covid i can claim since it was FLEX PA policy.
Even the hopitalisation benefit not able to claim because AIA says it is only for non-death situation.

Any insider can share how insurance know about past medical history if not declared? Eg life insured admitted for minor procedure at Hospital X covered under own company policy  and not declare it when apply for his new personal medical card plan.

Then in the future he admitted to another branch of Hospital X but with his own medical card this time, can the insurance trace his previous admission from the other branch? Is there a database all the insurance companies shares that know about past treatments?

Hi all! Would like to ask, how do I decide how long should my insurance sustainability period be?
Most insurance agent that I talk to recommend a plan with sustainability until I am age 70, aka same premium until age 70. But I understand that the fixed premium is sustain frm cash value in the investment link product.. And may need to top up if the funds is finish..

Im only 24yrs old now. If I'm confident in doing my own investment, is it advisable for me to opt for maybe shorter sustainability ie until 50 yrs old, so that I pay lower premium, and use the extra amount for investment so that I can afford the higher premium when I extend my sustainability later on?

What are the cons of short sustainability period? If someone can elaborate?

A question to sifus:

I'm in my 30s currently employed in a company that covers my medical, which I'm unlikely to leave until retirement and the company is powerful enough to be unlikely to disappear/go bankrupt.

Is it financially wise and feasible to apply for a medical card when? What are the risks of applying a card when I'm older (say, in my 40s)?

Thanks
Any idea "must" be from what stage of covid19 then can qualify for claims of hospitalisation?
Btw, just to confirm,... It is hospitalizations cost not just some amount of beneficial monetary compensation or support like RM10k

If diarrhea or headache, prolonged incidences cannot be admitted?
Covid19 stage 1 or 2 is "minor", cannot lead to complication to other stages?

A simple explaination for a layman to understand instead of shooting insurance terminology.

I always believed a good agent should go down to level of a layman in explaning things instead of expecting the layman to understand terminology.

which insurance company's medical card is the best in Malaysia?

bro...these are case to case basis....
let me share you a real life example....

Scenario 1 - real case of my friend in negeri sembilan
A close friend of mine get covid positive , he also have insurance plan with prudential.
when he admitted to hospital , doctor say he is just mild case nothing to worry about...just quarantine at home.
but he die die want to be admitted , he say he pay himself he just want to make sure 100% treated.
He is panic and scared to die , he worried that his stage will escalate to stage 3 or 4.

Well, of course doctor welcome him , since he mentioned self pay.
THEREFORE , THIS SCENARIO CANNOT CLAIM INSURANCE ALREADY.
he just panic and dont want to die...
he stays around 1 week and total bill around 60k.
Will the bill amount same when claim using medical card ? 

Scenario 2
Someone kena covid and private hospital say he need immediate treatment then different case.
later on the bill charged 200k , for this case can be claim by prudential as long as the covid coverage promotion still ongoing.
claim limit is according to the limit of medical card you bought.
whether it is cashless or reimbursement ? i advise standby cash first if suddenly cashless cannot use

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The screenshot of the 300k is very brief , we cant just judge the book by its cover.
it can be the customer pay himself and he want the best treatment and budget not an issue , so hospital charge gao gao full-fledged servicing.
when it comes to use medical card , it is subject to necessary treatment ONLY.

So back to your question : Is there any medical card willing to cover this amount?
For prudential , yes , subjected that is it necessary covid treatment & the covid promotion still ongoing.
*subjected to cashless or reimbursement basis

How would a patient know the charges are not reasonable ?

Can a patient request for a review based on a 'similar' treatment of another hospital charges ?

oh ya, is this really admission due to covid?

hi jiunwei , thanks for the heads up , i edited the post regarding the screenshot address to super911 post.
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Regarding my earlier post:
The screenshot of the 300k is very brief , we cant just judge the book by its cover.
it can be the customer pay himself and he want the best treatment and budget not an issue , so hospital charge gao gao full-fledged servicing.
when it comes to use medical card , it is subject to necessary treatment ONLY.

Modified post :
The screenshot of the 300k is very brief , we cant just judge the book by its cover.
it can be the customer pay himself and he want the best treatment and budget not an issue , so hospital charge gao gao full-fledged servicing with prior customer consent.
when it comes to use medical card , it is subject to necessary treatment ONLY.
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Very sorry , i didn't elaborate clearly and deep enough. Maybe i share my bill recently which i walked in to sunway velocity.
And also my friend who self paid for covid admission , billed 60k for 1 week stay. [ both self pay ]

During May 2021 ,I'm having a mild tonsillitis & i decided to walk in private hospital for treatment, i already know it is not covered under medical card.
I do not want to go to clinic and want a proper ENT specialist consultation.

Yes agreed that each of the itemised item billing is standard & according to KKM ceiling prices. Itemised charges also reasonable.
The difference is the doctor keep pushing me to add more itemised item during consultation, which will make the bill sky high if i didn't rejected.

Inside consultation , he did mention normal medication with one week rest at home will be ok normally , but i have to endure the pain.
Afterwards , he offered me if i want to treat it immediately by giving me more expensive pharmacy item + Tonsillectomy if i really don't want to endure the pain.
Is it medical necessary ? he says nop for now but it is best if I have budget for it to make sure everything 100% cured immediately.
The doctor actually show me all the itemised billing inside room from his pc, before i agree and consent to go for it.
The bill was like few hundred vs 20k...in the end i choose few hundred. If I'm a millionaire of course i would have go for 20k.

For my friend case, he don't have budget issue and want the best treatment for covid. Already pre-mentioned to the doctor.
Therefore, she almost ticked all itemised options including priority equipment usage , good meal and good solo room to stay.
She get billed for 60k ( non ICU stay , stage 2 ) for one week only. [Self pay-voluntarily admission]


Consultation is pretty much standard , the killing part is hospital charges where it can be added up until very long itemised which makes the bill very expensive.

which life insurance and medical insurance best?

if anything happen can claim the most out of it

hi stevenX, your GE friend is just simply giving you inaccurate info. I'd did claims for AIA, Allianz, AXA, GE, HLA, Manulife and Prudential, so far there's nothing about "very hard to claim" issue. also the 100% claimable might be a lil misleading as well, not everything is claimable and subject to reasonable charges as well. just make sure you approach an agent that you trust the most first.

thanks for the additional info, bro. just want some clarification, if admission due to covid, is the covid related items say PPE suit, face mask, face shield claimable? i know if admission/surgery due to non-covid, those are not claimable. what about if it is due to covid?

The insurer cant expect the doctors to perform 'naked'. Is not only to protect the medical officers but at the same time to further protect the patient from any further infections by 'outsiders'.

If the patient gets further infection, it will only prolong the stay and the claim will shoot up.

Is like saying in a one to one meet only 1 requires to wear mask.

Based on the insurers reasoning, then is better for the patient to wear to quicken the recovery.

Good day everyone,

I was quoted below with monthly premium of RM317:
A-LIFE IKHTIAR FULL PAY@70 | Coverage amount:RM50K
A-PLUS DISABILITYCARE-i | Coverage amount:RM50K
A-PLUS CRITICALCARE-i | Coverage amount:RM30K
A-PLUS CONTINUATOREXTRA-i | Coverage amount:RM4K
A-PLUS TOTAL HEALTH | Coverage amount:RM1.5mil
A-PLUS MEDICARE-i | Coverage amount:RM0

Background of myself: Male, Non-Smoker, 33 y.o, IT industry
Is this a standard premium for the above coverage?

You need to balance between how much you need vs how much you can afford. If you worry that this sounds expensive, you can ask other agents to quote similar coverage and see what is the pros and cons. You have to be careful that if someone else say they are cheaper, are they really cheaper but actually the policy cant sustain until end of term.

You are talking about premium but are you considering if you are having enough coverage? If CI is only 30k, is that enough for you. Or death coverage 50k, is that enough? If not enough, how will you address the difference?

hey guys, I bought medical card from a friend's friend who is an agent for AIA.

I am not happy with this agent's services as this agent is usually hard to be contacted and less than willing to help me with my queries on the claims.

Any idea on how to change agent for my policy? Is there any drawbacks on doing so? How would her commission from me will be transfered to the new agent?

I have a question if im not sure anyone can answer. Assuming a person has passed away, is there a way i can find out what insurance company he has insurance with? I checked out life Insurance Association of Malaysia and they said that i have to call each company. Any other way apart from that? Thank you