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.

Hi..
the monthly premium is depends on ur age range.
but im paying RM180 quarterly...
my coverage is RM100K per year and my lifetime coverage is RM300K
so cheap rite..
can be used in all private hospitals.

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Added on January 7, 2008, 11:01 pmya i agree with your statement.

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Added on January 7, 2008, 11:03 pmur welcome....

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Added on January 7, 2008, 11:06 pmsorry im nt fishing here..
i juzz share what i know to create awareness....
bt what ever i said is true plzz check it out..
dont b cheated by agents..
datzz all...

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Added on January 7, 2008, 11:12 pmDont worry GE is one of the best company and famous with their life insurance....
But through my eperience most of the agents from GE have cheated their clients...
so better u check it out n keep on track with ur agent...


This post has been edited by NathaEn D.P.: Jan 7 2008, 11:12 PM

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Added on January 7, 2008, 11:06 pm

sorry im nt fishing here..
i juzz share what i know to create awareness....
bt what ever i said is true plzz check it out..
dont b cheated by agents..
datzz all...

---

Added on January 7, 2008, 11:12 pm

Dont worry GE is one of the best company and famous with their life insurance....
But through my eperience most of the agents from GE have cheated their clients...
so better u check it out n keep on track with ur agent...

[/quote]"

Personally i dont think there is as much agent "cheat" around
it's just maybe the agent dont really gointo details most of the time with the clients
how many of them do really go back & read through the policy sentence by sentence /word by word
. . . when something bad happen & effected the claim
people will start saying insurans are cheating ppl or the agent are miselling their product.


I believe most of the big players like Great Eastern, AIA, Prudential & etc are selling good medical card & life policy.
Just certain product suite better with certain type of ppl . . . .

a very simple question . . .
a term medical card is much better
or a yearly renewable card
it's like the chicken & egg question, which come first?
the egg or chicken?

This post has been edited by Colaboy: Jan 8 2008, 12:26 AM

so u saying ING the best n doenst cheat their clients??

lol

Like that arh . . . Prudential is the BEST ! !

2007 we did 607M sales
Proud to be a member . . .

Indeed ING is a good payor in terms paying the bill with the panel hospital. That's why private hospital like ING policyholder very much. However, in terms of benefit and price ...it's still not that good. Trust me. There's a medical card from another insurance company which no lifetime limit !!

which one? pm me. thanks!!

Try look into Allianz medical card.

Rm75,000 annual limit
Rm750,000 life time limit

Biggest worry if kena cancer or kidney failure?

Outpatient cancer treatment and Outpatient Kidney dialysis is as charged (matching the annual and lifetime limit)

humbble

interesting.......

When one choose a medical card, please set a scenario for yourself.If diagnosed with cancer or kidney dialysis,how much the medical card can offer for treatment? There is a link which is in Chinese for your own reference only.

http://www.jbtalks.cc/thread-274060-1-1.html


humbble

To TS , I heard ING medical card was increase premium around 40% about 3 months ago right ?

Being proud is not important,most important, how much income you managed to generate out from your profession? You only can get sales when you see more people.If one can become MDRT purely from forummers, introduce to me.I want to learn from him or her.

Subcribing to this thread for good information.

Please read my blog for the importance of life insurance and medical card... Feel free to leave me a comment or email regarding my blog... Thanks...