You are memang stupid to think that hospital equipments are cheap.

The increase in premiums are minimal lah dude. I myself have got my premiums increased and no it was not because i made any claim. Its because we are getting older. So of course premiums will increase. You are paying few hundred a month for a peace of mind . I definitely am not complaining .

Change is the only constant in this world. Prices will go up because salaries only can go up and therefore costs of manufacturing and services will go up.

Do you know how insurance do their pricing or not in the first place?

The getting older increase are the normal one and not significant increase but wait until you get the ones about medical inflation.

You ask k lah. How many already kena.

How is it they cause this. Do you think they want to reprice? Do you know that their repricing requires BNM approval and must be justified but in recent years BNM can’t really say no to their repricing due to medical inflation.

I can tell this is ridiculous since antiviral medication is not something new but have been around for years. Furthermore, the flu medication is works best if it is administered within 2 day of infection according to the CDC USA, thus it can shortened the sickness duration.

The drug actually is not a cure but it works only by blocking the neuraminidase enzyme, which is needed for the flu virus to replicate giving your body time to produce antibody to kill the virus. However, it is not recommended to get medication when you are in contact with people who got flu thinking it would prevent you from getting infected. This might just created virus that is immune to medication. This is where vaccination plays it role.

And most of the patient can move to normal ward,
But doctor keep hold the patient in icu ward……
End up icu overload until patient dead….

Just go bek his home country or go singapore and get same surgery done. Easily 2x more than that lah.

Its the time to terminate and boycott insurance service.

+1

Like you go to private clinic

When the doctors knows you can claim back from your company, they will give you alot of medicine and expensive shit.

Sometimes normal thing like diarrhea, flu, etc they will give up to RM80, RM90 etc of medicine because they know you can claim back.

But if you go pharmacy, buy the medicine yourself, maybe just cost RM20, RM30 only.

On this, O’Dell recounted another troubling incident. “I mean this really happened to me. I walked to my ENT specialist, and the first thing the nurse asked me was, ‘Do you have an insurance policy?’ and I said, ‘Why do you need to know that?’ And she said, ‘Because we need to know how to bill your insurer’.”


For some CEO of insurance, ini memang bodoh. Even i understand, see doktor not like buy grocery. Buy grocery, just pay in the end at counter. All come from own pocket.
See doctor, if got insurance, need to apply Guarantee Letter first. This must be done before seeing doktor lah. Of course nurse ask if got insurance. Bodoh.

This is very true. Happened to my friend.
Gall bladder stone removal. Pay by insurance RM20k. Cash 8k

The whole private hospitals/medical insurance is a big scam.

oh, u have insurance,
let go ct scan, MRI and etc before we fix it.
Nvm, insurance coved, let go
all covered, no worry.



oh, u dun have insurance,
ok, i think you have this issue, let fix it.
No money,
okok, MRI, CT scan is totally not required.
you can buy medication at outside.

a friend had lung infection and mild pnuemonia, she couldn't breath so she had to be admitted. end up staying for 4 nights, no surgery, just antibiotics injection and monitoring. end up the bill was RM7k+

my own experience, 3 month old baby had high fever (38C), had to be admitted and stayed for 4 nights, antibiotics injection as well, single room. bill was RM5k+, paid out of own pocket (claimed later), if i used my medical card it would have been RM10k+.

Do you know how greedy human is?

Kek hospital probably used a few pieces of probe cover but charged him the entire box of 100

No choice dude. A specialist didnt study for 10-15 years to earn some peanut money. Inflation happens in every country. Thats why need to work smarter for more income

This statement is already FISHY!

QUOTE

O’Dell strongly disagreed with Association of Private Hospitals Malaysia (APHM) president Dr Kuljit Singh’s assertion that private hospital bills cannot be regulated.

Aiya insurance issue is everywhere, even for car accident claims, for eg.

The Body shop can add parts, you don't even know.

He is from other countries, surprised by our country's culture

I don't understand why ktarda blame insurance companies instead of hospitals for inflating bills.

You think insurance companies love to pay high bills and then simply charge higher premiums? It's like saying a mamak restaurant can anyhow rent an upscale location, buy expensive ingredients (kena chopped by middlemen) and simply charge RM15 for mee goreng biasa.

I think if they are too strict in approving claims, they risk losing current and future customers. After all, will ktards buy insurance from a company that scrutinises hospital bills 99 and don't give blanket approval easily?