Medical card suppose to be hassle free admission. Of course got limits, but generally should be usable.

Makes me worried..

Last time I use Zurich, few years ago.. no problem getting admitted.

Had to terminate because annual limit extremely low 50k.

Then I changed to Allianz.. so far haven't claim, but paying for 6 years already. This one expensive, because investment linked. I'll be frustrated if cannot claim. Agent also not responding anymore when want to ask stuff.

Already admitted, bill for 1 night is around 5k, and patient is jobless. 
No GL because admitted at night. Not exist prior policy.
Painful only admitted hospital, not a screening. Don't know how the doctor write.

So scary after hearing that, sound like you must be very serious only can claim.

for outpatient u have to pay first then claim back later, PRU medical card has this off limit claim of RM5k annually if not mistaken, if u didn't claim then it will add on to your total limit.

Medical card cannot claim if admit hospital without operation ?

Prudential agent can clarify ?

Cyst problem causing pain but doctor say no need operation.

outpatient also you need certain forms to submit for approval right? If missing some forms like from dr won't get approve? Bcs if you need a form you have to get it while you at the hospital, if missing a form and to go back to the hospital for the form will be very difficult or even impossible bcs the dr won't entertain you? - is this true?

I have to ask the doctor to write an letter address to Prudential, the letter charge about RM50 for sunway hospital, the agent will up a form and then submit, the claim will be reimburse within a month. Documentation fee about RM150 unable to claim, the rest RM4k able to claim.

If u really want to claim without forking your own money, just admit in and then discharge, if u are outpatient definitely a lot of documentation require to claim it.

My medical card got no problem when admitted even though no operation. Different company.
Because the patient admitted at night. So no GL.
First time I heard this. Normally we think no problem claim using medical card.
Lucky I bought the different company and my agent is responsive.

Thanks for the tip. So really hard to claim money for outpatient? Your client lucky you are still around and willing to help. I know some dr very bad temper would not entertain that request, even when asking medical question he get piss off...

wa bukan agent lah, this is my experience when i cut my finger during raya 5-6 years ago, so happen i was so panic and force to go nearest hospital to stitch it back. the bill was RM4k and it shock me

wa bukan agent lah, this is my experience when i cut my finger during raya 5-6 years ago, so happen i was so panic and force to go nearest hospital to stitch it back. the bill was RM4k and it shock me

Admit more than 6 hours

Topkek. Cut finger only why need to go hospital? Lol. Any gp clinic can stitch it up for u for less than rm200

Topkek. Cut finger only why need to go hospital? Lol. Any gp clinic can stitch it up for u for less than rm200

Already admitted, bill for 1 night is around 5k, and patient is jobless. 
No GL because admitted at night. Not exist prior policy.
Painful only admitted hospital, not a screening. Don't know how the doctor write.

So scary after hearing that, sound like you must be very serious only can claim.