hi....
do anyone want to share with me the importance of life insurance and medical card??
im willing to exchange my ideas...

bro, use the search option, there are many threads on these subjects.

medical card settle ur hospital bills, life insurance pay u or ur beneficiary a lump sum for ur unforseen bad events like critical illness, total permanent disability n death.

both are important but i would say medical card is urgently needed 1st.

Life Insurance pay your love ones, Medical pays yourself.

if u have no dependents, get medical first.
if u do, get life first.

life term starts at 328 to 1,
medical varies in age.

which would u say is the best medical card around? in terms of admisability and hospitalization. since that's the biggest worry when sick.

go for ING or GE, tht's my opnion.

then how about personal accident insurance??

sometime get mixed up...

unless ur work involves travelling in motorbike , PA , if u read the TnC , u hardly get into those criteria to claim n hardly claim full, most of the time u need medical card than PA.

for free PA , get The Store card, jusco card n other shopping card tht comes along with free PA.

I think ING medical card is the best around
because: 1) Hassle free admission with no deposit required
2) All hospital bills will be settle by ING upon discharge
3) Full payment of bill no 10% charges
4) Prompt treatment; best facilities & immediate attention
5) Pre-hospitalisation diagnostic and pre-surgery diagnostic services
6) Outpatient cancer treatment
7) Outpatient kidney dialysis treatment
8) Accidental treatment-outpatient clinical expenses arising from accident and follow-up treatment
9) Post-hospitlisation tratment
10) Follow-up treatment up to 60 days
11) Day-care surgery expenses
12) Home nursing care

Don't you think it's amazing!!!

Aren't all medical card the same?!..........
I'm getting a feeling that you're "fishing" here....and nope it doesn't work in this section.

yah lah, he is "fishing" right from the 1st post. He was not asking for advise nor have any constructive comments in the first post.

then suddenly promoting ING and as you mentioned, other medical cards also having the same benefits. So what so amazing with ING medical card.

Maybe TS can change topic to - Medical Card Agents, come and compare our products, hahahaha

my works require me travelling a lots... got time really need to go through the TnC.

Ya it's great. I believe you has all the answer there already. How much did you pay monthly for your ING Medical Card?

thanks for ur INFO, u are very helpful for all of us with ur sharing.

Yes its benefits is comparable to others but those agents are crap. One of the managers told me, don't blame ING for the screw up, blame agent. For me, the agent represent your company, hence if agent screw up that means your company not reliable (cos your the one that employ/chose them).

ING, HLA seems fine to me ....

heard some stories about GE ....

but the important factor for medical claim is agent where the more experience the agent is, the better it is. If the agent knows the way around, the claims are easier, faster and sometimes could be more too ...

Death, critial and accident claims are standard protocol your benefitial can do directly from the office ... but medical requires many documents from many parties ....

Medical plans are still evolving, the benefits you listed above may still add/minus as it goes ...

arr.. GE?? my plan is covered by GE..
shit.. hope I dont get into trouble..

One question!!!

PA/Medical Claim...Your agent help u claim??
Or you claim yourself through the office of the Insurance Comp???
Cos maybe you and your agent separated between states in future...

hmm i got life insurance ...

for medical card, how is the package ??

last time my company got ing card ... onli pay rm5 when go clinic

GE is the biggest insurance company in the Msia.