hi,
waht happen if we move to other place, eg buymedical card in JB then move to KL.are we assigned with another agen in Kl to help with claims?
thinking of buying aia aplus med,investment link,for age 42 male non smoker quoted 3900/annum, is it ok?

Interesting plan.

1) Annual Limit: If I claim more than 5K this year, all the subsequent years no more 5% increase ?
2) How does "swiped" work without GL for quick admission ?? 

Thank you.

1. Which hospital in Malaysia now can get a single room and board rate at rm150/day?
2. What do you mean by additional room and board? how about ICU r &b?
3. What do you mean by everything as charge? Is it mean I take any food or drinks from the refrigerator also included? Or when I keep pressing the assistant's button few times per day?
4. How do I claim for home nursing care and daily guardian? Do they pay me upfront before I hire 1?
5. As I know daily guardian and home nursing pay daily, then how do i swipe it in medical card?
6. Do question 4,5 & 6 deducting from the annual limits?
7. no cash allowance?
Thank you.

i have a question, a female fren she said she have bought medical card and paying for RM150 , but she lost her policy and agent say need to go sumpah there bla bla bla ...in order to get back the policy ...

is this the only way to get her policy copy ? anyway else....and ya, it is allianz

No sumpah things=.=. Agent only have to request from their headquarter, it around 2-3 weeks to process to get copy of her policy
Your friends have to pay some fees to get copy of her policy.
If your friends agent too much excuse, ask your friend go allianz branch to request is more faster.

lol , dats y i felt skeptical and ask her to go ask. but seems like she doesn't want to bother also lolz

hi,
waht happen if we move to other place, eg buymedical card in JB then move to KL.are we assigned with another agen in Kl to help with claims?
thinking of buying aia aplus med,investment link,for age 42 male non smoker quoted 3900/annum, is it ok?

Insurance policy is important actually, because this is the black and white that you only have to deal with your insurance bank.

if the agent cannot reach by her, can she get it by her own  ?

many agents dissapear  after sometimes >.<

Yes sure, just go alliance insurance branch to request and collect it by yourself.

i have a question, a female fren she said she have bought medical card and paying for RM150 , but she lost her policy and agent say need to go sumpah there bla bla bla ...in order to get back the policy ...

is this the only way to get her policy copy ? anyway else....and ya, it is allianz

Yes, reprint policy need the policyholder to sumpah in order to get a copy of the document.

@@     

so means ? which 1 come 1st.... 

she needs to go to Commissioner for Oaths & sign the request of new policy  form & prove its her who requested & nobody else by showing the IC & related documents. This is to prevent fraud as we heard many cases out there when a policy is easy to request as new & surrender the moment they received it for the cash value / sum assured.

See the reply by colaboy and ignore the rest. That is the proper way to get the policy replacement. The procedure is in place to protect the policy holder.

When a major claim occurs, like death or Critical Illness, the policy document is needed.

Hence keep it at a safe place and do notify the nominees where they can get it.

  i missed his reply bcoz he wasn't clicked reply on me.... thx 

Prudential PRUflexi Med
1. Cancer Treatment / Kidney dialysis is "As Charged". "As charged" means it is claimable up to the annual/lifetime limit. Do note that new policy contract for all insurance company for Cancer treatment & Kidney dialysis does not include "Take home drugs, Long term medication & Consultation Charges".

This is the reason why whenever an agent comes to review your old contract, you as the consumer should be wary on whether the agent is doing an upgrade (maintain on the same policy number) or give you a new plan. In short, know what you are changing!

2. With an annual limit of RM 200K, the Lifetime limit is RM 4M - do note that whenever an insurance company is giving high cover, it is putting itself at bigger risk. With bigger risk comes bigger responsibility, hence the insurance charges is higher, especially at older age.

3. PRUflexi med has the option to add in RM300 deductible or Zero Deductible. RM 300 Deductible means whenever there is an admission, the client will only need to pay RM 300 and Prudential will pay up to the annual limit/lifetime limit. If the client choose Zero Deductible, the client does not need anything.

However, do note that during admission, the client is required to pay a small deposit RM300-RM500 (depending on the hospital that you go). Upon discharge, the client can claim back the deposit minus the deductible RM300 or Zero deductible.

Of course in comparison RM 300 deductible has a higher insurance charges as compared to Zero Deductible (full claim) because in the event of a hospitalization the insurer has to fork out more.

4. Surcharge, if you stay in a higher room, you only need to pay the variance of the room. If you stay at a lower room, then Prudential will reimburse back the variance. For example if your plan is RM 300/day Room, and you stay at a RM 200/day room, Prudential will reimburse back RM 100/day.

5. Cost of insurance, need to refer to quotation :-)

In summary, there are few things you need to know when shopping for an insurance policy:-

When looking at medical card, make sure the card is guaranteed renewal.

Always remember that whenever there is something good being offered from the insurance company, YOU ARE THE ONE THAT PAYS FOR IT! Nothing is free!

For example, No Claim Bonus (NCB) - if you compare plans that pays you NCB the insurance charges will be higher as the cost of insurance is being built in to the product.

The main purpose you buy insurance is NEVER HOPE TO BE ABLE TO CLAIM FROM IT WHEN YOU ARE HEALTHY.

Questions? Please ask. Tenkiu 

I would personally think that unlimited annual limit might sounds nice, but is it worth it? How many surgery that in Malaysia will cost more than RM200k annually?

With the insurance charges, it's depends on the individual to think about it. How if a plan that will provide 10% increase of annual limit every 3 years? At least it could hedge the future inflation risk and it won't burn a whole lot of your pocket for the unwanted privilege.