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 Insurance Talk V7!, Your one stop Insurance Discussion

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h180800
post Jul 12 2021, 03:50 PM

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Hi, can recommend insurance for my parents? My dad (age 67) don't have any and my mom (age 59) just bought one medical card insurance. Both of them non-smoker. I'm more worried about any critical illness that can happen.
Thanks
h180800
post Jul 12 2021, 04:13 PM

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QUOTE(ping325 @ Jul 12 2021, 03:52 PM)
Entry level for age 67 for standard plan will be very very expensive , how much is your budget per month ?
if need low budget can consider standalone medical card with co-insurance / deductible
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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
h180800
post Jul 12 2021, 05:59 PM

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QUOTE(MUM @ Jul 12 2021, 04:44 PM)
hmm.gif 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?
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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.


 

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