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.

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.

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.

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