May I know the admission process for option A and B?

Hi All,

I would seek some opinions from your guys.
My insurance policy being an orphan policy which the original agent already quit out from insurance industry. A*z company has assigned another service agent. However, when I deal with this service agent among these few years, all the while she do ask me direct write in email to CS or going branch office settle myself. Although she will answer my question, but reject to follow up and do documentation stuff. Some more recently she like annoying and inform that if I am not satisfy with her, I can request to office for change service agent. And, she said she is kind to accept me this kind of orphan policy without any commission. By the way, I have upgrade the policy among these year by attend myself to office, I'm not sure that it is have paid commission or not.

So, shall I request office to change another service agent? Is it the same situation will happen?

How I shall do if my policy become an orphan policy? If there have any emergency case, I have no idea contact who...

The branch office CS last time has told me that this current agent is the upline for that resigned agent.
If I request to change service agent, will impose any charge by insurance company?

Dear ckdenion, sorry I still confuse about the admission process of option A, could you pls help me clarify?

Is it I use the company medical card to issue GL first, then when reach 70k, I request the hospital to separate bill, then I call my own insurance to issue GL, then claim the subsequent 10k on own medical card?

Let say if my personal card deductible is RM20k pruValue Med (currently considering, can this issue GL?)
Can I use personal card to issue GL first, then I pay the 20k first, and then claim the 20k from company insurance with the bill, receipt and final GL?
So must one card pay and reimburse? Cannot totally cashless admission if want to use company insurance to support a deductible card izit?

Now I understand, previously I tot I only need to pay the deductible amount upon discharge, just whether can direct claim on other medical card. Rupa-rupanya have to pay the whole bill if use deductible card.
Thank you very much!

(Just realise probation got limit daily post)

Although I don’t like the hassle of reimbursement, but I willing to learn how it work to reduce my COI.

But when I understand then I know my main issue will be the ability to pay the bills first, can’t imagine if the bills cost RM300k, although company medical card pay 50k, still how can I afford the balance RM250k… where to find the money…

No choice, I think I only can opt for non-deductible one
Thank you for all the sharing~

Must need to pay the excess if claim happen? Mind to share how much is the excess amount in your policy? Different car different amount or will it be the same?