Hi all,

Just want to ask opinion is it possible to buy medical insurance plan for my parents who are 76-77 respectively. If yes, can suggest medical plan for me?

They have no insurance plan, and i understand most of insurance has max entry age which couldn't fulfill due to their age.

Thank you.

avg lifespan chinese 80s, indian 75 yrs, malay 76 yrs ...

at these age apa lagi you mao cover?... furthermore who would wanna cover you... knowing anytime parents kang kong kiao...

just make them as comfortable as possible... money wanna spend on them for insurance, just give them yo splurge and enjoy...

when time for them to go... just accept it...

if prior they dont have any insurance, i think almost impossible to get it (or super expensive)

Very expensive.

Will be insane expensive , same like paying by yr self saja .

insurance is shared risk. The well subsidise the sick.

At 70+, there is no "healthy" anymore, falling sick at some point (and eventually dying) is a 100% guarantee. The premium will therefore equal the expected cost of healthcare, plus the insurance company profits.

Almost will be kena deny by insurance company

And not worth it..

Once u buy, the first 2 year if got claim, all will dig out whether the claim is pre existing issue or not.. will dig until rat hole also keluar.

And premium also very high.. if they cover, also will be heavy premium loading, and maybe got non covered item also

Just identify the best nearest public hospital nearest to them.

lol, no insurance company will accept your case. Even if got also super sky high premium.

Maybe just buy some PA will do....

I think still possible for renewal. But not easy if have not bought before this.

IINM the last year for new sign up is 65.

Edit: saw the above post. Is 70.

This post has been edited by loserguy: Nov 23 2024, 10:33 AM

Hi guys. Thank you and im agree to everyone's inputs.

Each time require medical attention, need to wait queue for months for diagnosis/treatment. Alternatively, go to private hospital can be pretty costly if it's urgent.

Sadly, i just realise they dont have medical coverage and impossible to apply at their age now.

Medical card or personal accident plan with sickness add on.

Take note eve if you manage to get in rance for your parents plocy will have clause of pelre existing conditions. Meaning what ever illness diagnosed prior to the Pol inception date Will be excluded from coverage

Are you ready to fork out like 10-15k/year for the insurance?

This per month or annual?

Annual.

Any pre-existing?
Medical card, critical illness I think unlikely. PA, i believe can

This post has been edited by jojolicia: Nov 23 2024, 06:27 PM

Diagnosis / treatment without hospitalization are not covered in medical insurance.

However, it is claimable if the insured is admitted thereafter the diagnosis and outpatient treatment.

The number of days covered under pre-hospitalization claims varies by policy and insurer, but is usually between 30 and 60 days.

Claim eligibility is also subject to the terms and conditions of the policy.

This post has been edited by mini orchard: Nov 23 2024, 06:47 PM

If really don't want to get medical insurance, then a person best to be disciplined and set aside the same amount of money otherwise would have been used for insurance premium. Keep topping up every year and don't ever withdraw. Maybe one day when really need money for medical treatment, that pool of money is enough. Such is the alternative if already cannot get insurance anymore.