every year buta buta charge management fee.

wait k/ share ayam standalone insurance plan then ayam update post here

This post has been edited by theberry: Oct 24 2022, 11:52 AM

All insurance is scam

But I've been paying my investment-link for 10 years already

Medical insurance isn't scam.
But investment linked medical insurance isn't really benefitting you, it is benefitting the agents who get higher commisions so recommend it by default.

Depends how the agent package it

If he told u to pay this and u get insured of medical card with xxxxx limit and tell u it is not investment.. is purely for medical.. then u wont feel bad

It is because they package it as investment and you have a feel that i buy the medical card and in the case that you did not use it.. u still get back some profit from the investment.. that will get your nerve on fire.. especially when the so called investment is not performing, hence the fund value drop and you somemore need to pay extra to topup fund value inside your policy to maintain the card..

This post has been edited by Boomwick: Sep 12 2022, 09:19 PM

Investment part will use as to cover increment charge in the future as the medical cost increase anytime .........

Scam.

When want claim they tell you to use your own money to pay first and claim later.
Now, under emergency how people can suddenly get a few hundred thousand for surgery?
Later claim also not guarantee they will approve the full amount.

GE premium increased TWICE since I bought.

True.... same as me, but i didnt opt in the increase... so it will use the investment part to cover.....

Pokai if always increase ..........

I don't disagree.

ini benda orang tak paham

stupid i must say. only know to komplen instead of finding out.

the product not scam, but some agent didnt do proper explanation.

if scam, BNM already at fire since all products are approved by them.

U got use before medical card? Got claim before ?

Emergency case.. ofcuz is normal procedure pay deposit rm1k or 2k.. because that time no GL ma..

If u do consultation, then doctor take GL first then mah no need lo..

On cannot claim full amount, this is because of test unrelated or out of scope from the illness cover in GL..

Example.. u go admission is stomach pain.. suddenly u ask doctor do a CT scan on chest... or check your leg or hand.. then of course no cover lo..

Don't spread false information.

There are deductible options and if you buy 5k deductible you need to fork up 5k before the insurance pay the rest of the claims.

The way I see it. Insurance is somebody else's money, and they will decide if they want to payout or not. Or if they even want to insure you.

If possible, start saving money and reduce your insurance premiums gradually. Try to get control of your own life.

Insurance that need agents to sell is a scam.

+1 this is the main purpose... not for u to earn from u, more like a hedge against rising costs

Lol bullish*t. Even with investment they will still ask you to increase the premium else it will become unsustainable.

Dun simply lampaji la..
I am not insurance agent.. but i claim kao my inso a few times ad..

When u get GL ad.. is confirm covered..

They dun insured u is because
1. Buy medical kad and within 2 years want to do big claim like cancer or some big underlying issue
2. Never disclose properly on underlying health issue.

So they will run a thorough check on ur case..
However, if it is found to be original no tipu case, it will be allowed

Who ever said it isn't, is insurance seller.

And if they said they aren't, they lied

This post has been edited by B0ss_ku: Sep 12 2022, 09:39 PM

https://ringgitplus.com/en/health-insurance...dical-Card.html
Deductable 100,000

Up to RM100k, this is for those who have bought earlier medical cards with lower coverage or those having/using company medical coverage.