medical card, need more information about it
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 May 31 2014, 04:09 PM
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Junior Member
105 posts Joined: Jul 2012 
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QUOTE(supersound @ May 31 2014, 03:35 PM) Same doctor with same sickness. Sounds like your wife is a good potential customer than those who use medical card. And my wife got extra service compare to her room mate, she always got sms from the doctor, on offering new checkup package.   |
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May 31 2014, 04:25 PM
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Senior Member
11,554 posts Joined: Aug 2009
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QUOTE(leonard73 @ May 31 2014, 04:09 PM) Sounds like your wife is a good potential customer than those who use medical card. She had medical card before that's getting sms.Now we cancel already no more sms from that doctor, expected from a person that's heart is animal. |
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Jun 5 2014, 07:15 PM
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Junior Member
55 posts Joined: May 2007 
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supersound,
just curious. so what plan are you on (if any)? do you still have insurance? btw, my Etiqa friend replied already. |
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Jun 5 2014, 07:52 PM
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All Stars
11,954 posts Joined: May 2007 
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what he reply?
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Jul 3 2014, 05:48 PM
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Junior Member
63 posts Joined: Mar 2007 
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Hi Insurance Expect,
Would like to know what I'm paying now worth for money or is there any better policy and should convert to add more value for what I'm paying for it. Current Insurance AIA (previously know as ING) Annual Limit RM100,000.00 Lifetime Limit RM300,000.00 Critical Cover 36 Illness = RM20,000.00 Hospital Income = RM100.00 PER DAY DOF: 17/APRIL/1955. Note: Claim medical for 2 times = due to low pressure. Please advice or PM me. Thanks |
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Jul 3 2014, 06:09 PM
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All Stars
11,954 posts Joined: May 2007
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how much u pay per month?
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Jul 3 2014, 07:50 PM
Show posts by this member only | IPv6 | Post
#427
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Senior Member
8,913 posts Joined: Mar 2005
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Your annual limit is okay but not your lifetime limit. With the new medical plan, there are offering of no lifetime limit. My advice is don't forgo your current plan when you buy a new plan, as there is a waiting period. Susah if there is anything happen to you.
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Jul 11 2014, 12:35 PM
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Senior Member
4,300 posts Joined: Sep 2006 From: Your girlfriend's bed
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ok, im convinced now that AXA smart medic optimum + additional Tokio Marine medic plus is unbeatable. total about RM1100 yearly, for someone age 35. I don't get why have to pay RM250 monthly for some other providers.
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Jul 11 2014, 01:16 PM
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Junior Member
77 posts Joined: May 2006
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QUOTE(zzzxtreme @ Jul 11 2014, 12:35 PM) ok, im convinced now that AXA smart medic optimum + additional Tokio Marine medic plus is unbeatable. total about RM1100 yearly, for someone age 35. I don't get why have to pay RM250 monthly for some other providers. You need to read carefully on the tnc why the difference are there. Try to populate a table on coverage comparison and thereafter you can decide |
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Jul 11 2014, 03:58 PM
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Senior Member
636 posts Joined: Aug 2010
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QUOTE(zzzxtreme @ Jul 11 2014, 12:35 PM) ok, im convinced now that AXA smart medic optimum + additional Tokio Marine medic plus is unbeatable. total about RM1100 yearly, for someone age 35. I don't get why have to pay RM250 monthly for some other providers. QUOTE(ganesher85 @ Jul 11 2014, 01:16 PM) You need to read carefully on the tnc why the difference are there. Try to populate a table on coverage comparison and thereafter you can decide RM1100 annually could be a standalone medical card. As genesher85 mention, better read carefully and know what you buying. For standalone medical plan, the premium will increase gradually & will be very expensive when come to golden age. Of cause someone hidden clause that client may not notice. For an Investment Link plan(ILP) at age 35, a comprehensive coverage with premium monthly RM250 is pretty common. Generally ILP offer comprehensive coverage, remain the same premium till the maturity and it come with cash value (saving). The company and ILP will not survive in the competitive market, if it is the same as RM1100 plan as mentioned. Just hope you understand there are totally a different product. This post has been edited by conqu3ror: Jul 13 2014, 05:03 AM |
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Jul 11 2014, 08:50 PM
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All Stars
11,954 posts Joined: May 2007
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QUOTE(conqu3ror @ Jul 11 2014, 03:58 PM) RM1100 annually could be a standalone medical card. As genesher85 mention, better read carefully and know what you buying. bro ur insurance training not yet finished?For standalone medical plan, the premium will increase every 5 years and will be very expensive when come to golden age. Of cause some hidden clause that client may not notice. For an Investment Link plan(ILP) at age 35, a comprehensive coverage with premium monthly RM250 is pretty common. Generally ILP offer comprehensive coverage, remain the same premium till the maturity and it come with cash value (saving). The company and ILP will not survive in the competitive market, if it is the same as RM1100 plan as mentioned. Just hope you understand there are totally a different product. ILP medical card rider COI will not increase ? |
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Jul 11 2014, 10:45 PM
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Junior Member
424 posts Joined: Apr 2013
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Hi, my insurance agent from great eastern told me about a new plan they have, which will need me to upgrade my current medical card plan.
this upgrade will increase the annual limit and remove lifetime limit for the medical card while the rest of the thing remain the same, such as investment return and others.. is there any catch? this sounds to me like durian runtuh... need advice pls |
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Jul 11 2014, 11:30 PM
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Senior Member
636 posts Joined: Aug 2010
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QUOTE(MNet @ Jul 11 2014, 08:50 PM) bro ur insurance training not yet finished? Thanks for like me so much, every single post you eager to give your feedback.ILP medical card rider COI will not increase ? I know you expert in insurance, what waste you don't join insurance industry. This post has been edited by conqu3ror: Jul 13 2014, 05:01 AM |
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Jul 12 2014, 12:04 AM
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Junior Member
77 posts Joined: May 2006
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QUOTE(blackstar88 @ Jul 11 2014, 10:45 PM) Hi, my insurance agent from great eastern told me about a new plan they have, which will need me to upgrade my current medical card plan. No such thing as durian runtuh. Paying same premium but no lifetime limit? Only policy tnc can answer your question.this upgrade will increase the annual limit and remove lifetime limit for the medical card while the rest of the thing remain the same, such as investment return and others.. is there any catch? this sounds to me like durian runtuh... need advice pls |
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Jul 12 2014, 07:53 PM
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All Stars
11,954 posts Joined: May 2007
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QUOTE(conqu3ror @ Jul 11 2014, 11:30 PM) Thanks for like me so much, every single post you eager to give your feedback. Do you finished your training bro?I know you expert in insurance, what waste you don't join insurance industry. Do I ever mention ILP medical rider COI won't increase as well? Everything come with a cost. I don't understand where is your logic and real motive? I'm not your agent nor I don't even know you in person and do I step on your tail.  If you hate your agent so much, why sign up with him/her? Then now you can't find him/her any more and treat me as your revenge target?  If you hate Allianz so much, please terminate your policy, sign up with your beloved uncle Roy, not one will stop you. If I show this statement to LIAM(If you hate Allianz so much, please terminate your policy), you will get warning letter. Do you know why you will receive the letter? |
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Jul 12 2014, 10:35 PM
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Junior Member
105 posts Joined: Jul 2012
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Mnet, That are most common insurance agent attitude by acting hard which is try to cover their weaknesses, divert question they can't answer, others plan better than theirs and etc.
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Jul 15 2014, 03:42 AM
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Senior Member
869 posts Joined: Mar 2006 From: @wherealltherichlurks
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QUOTE(conqu3ror @ Jul 11 2014, 03:58 PM) RM1100 annually could be a standalone medical card. As genesher85 mention, better read carefully and know what you buying. It's good that you're reminding consumer to read carefully and spot the hidden clause For standalone medical plan, the premium will increase gradually & will be very expensive when come to golden age. Of cause someone hidden clause that client may not notice. For an Investment Link plan(ILP) at age 35, a comprehensive coverage with premium monthly RM250 is pretty common. Generally ILP offer comprehensive coverage, remain the same premium till the maturity and it come with cash value (saving). The company and ILP will not survive in the competitive market, if it is the same as RM1100 plan as mentioned. Just hope you understand there are totally a different product.  Yes, you never mentioned anything about COI not increasing but when you never mentioned the increase of COI in ILP while comparing and promoting only the good point, that's the same as the so called hidden clause? There is a fine line between not telling and lie  I believe Mnet motive is to be as transparent as possible and share his knowledge since this is a forum discussion.  |
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Jul 15 2014, 09:58 AM
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Junior Member
220 posts Joined: Jul 2009
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QUOTE(zzzxtreme @ Jul 11 2014, 12:35 PM) ok, im convinced now that AXA smart medic optimum + additional Tokio Marine medic plus is unbeatable. total about RM1100 yearly, for someone age 35. I don't get why have to pay RM250 monthly for some other providers. Apart from reading the tnc carefully, some medical cards are not guaranteed renewable, which means that should someday you admit to hospital with some prolonged type of illness, they may refuse to renew your medical card the next year. So, need to check this out. |
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Jul 15 2014, 10:20 AM
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All Stars
11,954 posts Joined: May 2007
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yep AXA smart medic optimum is general insurance not life insurance that why there is risk there
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Jul 15 2014, 10:56 AM
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Senior Member
2,173 posts Joined: Jan 2012 From: Butterworth, Penang
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Please do not ASSuMe when it comes to insurance. It is all mentioned in the contract. Anyway, here is what I found.
<< Product Disclosure Sheet (PDS) >> 1. As someone mention Cheap, The Projected Costs of Insurance << << HERE >> 2. Policy Renewal/ Renewal Premium » Click to show Spoiler - click again to hide... « One thing about yearly renewable policy option is that if the product is withdrawn in accordance with the Portfolio Withdrawal Condition, the next year the policy cannot be renewed since the term is only up to one year. It is not a problem if our health is still healthy to buy another policy, but if not, no insurer will want to insure/upgrade someone who had developed diabetes along the years. In accordance with the Portfolio Renewal for the case of ING, since its withdrawal and the policy term is until age 85, AIA that took over is bound to renew the ING policy till age 85. |
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