Hi all insurance sifus,

Recently i just received love letter from Allianz regarding premium increase for my HealthInsured Zero Deductible medical card , which amounts to 49.0% of current total premium that will be staggered evenly across 5 years.

I won't accept this shit, so I’m planning to switch to a RM30k deductible plan instead. To cover the deductible portion, I’m considering getting a simple standalone medical card from Kaotim (RM50k annual limit, zero deductible). Based on my calculations, the total cost of both plans will still looks more cost-effective than sticking with the Allianz zero deductible plan.

However, I'm unsure about how both policies would interact in a claim situation — especially whether Kaotim’s coverage can fulfill the deductible requirement for Allianz.

Let's me put a simple scenario with a hospital bill RM50k to illustrate:

Option 1:
- First, use Kaotim card to settled the RM50k bill
- Second, submit RM30k deductible to Allianz
Question: Will the amount settled by Kaotim qualified as "deductible" for Allianz?

Option 2:
- First, pay RM30k out of pocket and the another RM20k settled by Allianz.
- Claim back the RM30k paid before from Kaotim on reimbursement basis
Question: Will Kaotim accept my claim since i already use the Allianz medical card for admission?

Appreciated if any insurance sifus here can advise whether if both option or any one option above will work. Is this a practical setup? Anyone has done this before in the industry? P.S. I'm aware that a EB (Employee Benefit) plan will work this way but I'm not having EB.

Thanks in advance!