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

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..

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.

That does not happen on average or all insurance companies will go bankrupt.

Don't approach insurance with a gambler's mindset. Don't hope to claim or turn a profit. You are betting against your own health and wellbeing. It is not worth it.

If tandlone plan higher commission why would the agents actively push ILP instead of standalone plan. Standalone plan cheaper , should be able to sell more.... Unless you're telling me agents are so kindhearted they would forego higher commission to sell u things..

Show us the proof that standalone get more commission.

Aiya, kena dig it up la, will try, but no promises... If can't find maybe I ask my agent friend to send product write-up (the documents that agents refer to)

Topkek investment link one price way higher then standalone end up investment link one still make more.

Mindset problem. Some people think buy liao must use. Example if sometimes you went for small operation. Then doctor see you got insurance, give suggestions like since already cutting here, why not do this as well, like killing 2 or 3 birds with one stone.

my agent told me my current RM170/m IL+medical cover

medical
-daily room and board RM200
-Annual limit 120k
-lifetime 1.2million

death 30k

permanent disablement 30k

I think it is reasonable for RM170/m