Some hospital require you to pay a deposit upfront and will return back to you once discharge. This is their policy and insurance company can not interfere with this term and condition.

but some hospital consider as admission fees , so not refundable lorr..
but then, even u hv a medical card but did't bring enough cash .... u still can't get the treatment.
what a poor attitude of private hospital #$#&**

admission fees is only like rm50 right? it's different from upfront deposit. if you have medical card, then you can go ahead without deposit provided your insurance company has released the guarantee letter to the hospital.

the admission fees or deposit is compulsory in most hospital . . . . . . it range from RM250-RM400 from my experince

It is actually deposit...

Its a refundable deposit. Majority of hospitals requires this even if u have a medical card. The trick is when admitted to hospital, do NOT ask for extra towels, tootbrush, bed or food because they will deduct this from the deposit as this is NOT covered by medical card.

i thought admission fee we pay after discharge rite...

but some didn't consider as deposit ... its a fee, so no refundable.
its happen to my neighbor when she had admitted to private hospital in s.alam ...

I think thats the co-insurance meaning its a cost sharing between the policy holder and the insurance company. Which brand is she holding?

its not co-insurance ...
policy holder should pay nothing as informed earlier (fr. TI)
but that hospital just set their own rules.

if deposit, then ok ... bcoz its refundable
but fees for rm300 .. its ridiculous

Usually the deposit is paid first so that during discharged, hospital will deduct and return the remaining if those services provide is not claimable from insurance company..

i wan to surrender my ILP policy but my policy is missing then how?

a. The Statutory Declaration form to be signed by you in the presence of a Commissioner for Oaths and duly stamped at the stamp office for a face value of RM10/-.

MUST go to find Commissioner for Oaths ?

This post has been edited by MNet: Feb 4 2011, 11:10 PM

yes...

How much need to pay fee to Commissioner ?

last year i bought medi-pac medical card for my son from pacific insurance and this year i though i wanna renew the plan, but to my shock, the premium is revised up >100% to >RM700 p.a., which is not really worth it now.

so any medical card of value on the market now? I'm currently looking at tokio marine premier medic partner and axa Smartcare Optimum. benefits and premium are quite comparable. any idea which is better, esp for those who had these medical cards before?

axa is not guranteeed renewal

How about ING medical? Good?

depend on ur needs.

but their plan hv cash and cashless

ALLIANZ?

allianz COI is cheaper compare to Pru / GE

u get higher coverage with the same insurance price.

i suggest u get quotation from different company then compare the cost.