medical card, need more information about it
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 Apr 2 2013, 12:12 AM
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#1
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Senior Member
16,872 posts Joined: Jun 2011  
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Wait, GE medicard got problem with cashless hospital admission? Then what's the point of having a medicard?
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Sep 7 2013, 11:50 AM
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#2
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Senior Member
16,872 posts Joined: Jun 2011
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If I wanna get a medical card with enough to get myself thru hospitalisation but not to the extent of having King's luxuries, room rate of how much should I look for?
I got a plan with 150 room rate, 20% co-insurance with NO LIMIT if upgrade room Alternatively my agent is asking me to take 200 room rate, 20% co-in with RM3,000 limit I don't need much Sum Assured for life, only got 1 dependent (my dad), should I RIP my net worth + EPF should be enough for him to last til his time is up. Currently I've RM150K Sum Assured which I plan to cut down to a very minimal amount...and paying premium of RM220/month Yes it's a GE ILP I'm having now. GE agents (or any agent) kindly advise  |
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Sep 7 2013, 02:13 PM
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#3
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Senior Member
16,872 posts Joined: Jun 2011
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QUOTE(ExpZero @ Sep 7 2013, 02:08 PM) Latest upgrade has limiting your co-insurance to 20% with RM3,000 limit for Smart Medic 150. This takes effect for all policy that inforce before or after the announcement which just made about March this year. WTF why my agent keep suggesting me to top up premium to 300 a month??? RM150 R&B should be enough for sharing basis in Tong Shan hospital. However, if you would like to hedge inflation, you may upgrade your R&B to SM200 with Smart Medic Enhancer, the insurance charges is not that high compare to other plan. As far as I know you are age 30-- right? For your age, RM200/month should be sufficient with SM200+SME200+ 100k of sum assured +100k critical illness +100k early payout + waiver. Ask your agent to quote you, unless you want to change agent then you can pm me.    |
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Sep 7 2013, 05:22 PM
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#4
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Senior Member
16,872 posts Joined: Jun 2011
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QUOTE(roystevenung @ Sep 7 2013, 03:52 PM) 20% if you exceed the room eligibility? Two beded room on average nowadays costs Rm 180 unless you want to only go to Tung Shin and feel like a Banggala Apa Banggala...last year my dad admitted into Tung Shin, 4-bedded room with air con quite comfortable also.  Budget per month how much bos? http://www.tungshin.com.my/useful-info/room-rate/ And Gleneagles 4-bedded room only RM95. http://gleneagleskl.com.my/services-facili...s-and-services/ Can I actually do this? Buy 150 now...then years down the road when I see that room rates have gone up, then only I upgrade my plan? It'll just require a fresh new confirmation of health status, right?  QUOTE(ExpZero @ Sep 7 2013, 02:22 PM) Better cash value figure, it's nothing wrong or right. My ILP is AddVantage Plus, which has automatic upgrade of Sum Assured (+5% every year, after 20 years it'll be at 200% of initial SA). Probably that's the reason he suggested to pay more premium? What I told you is the minimum figure in the illustration software to work. I guess you are sound and you knew how ILP works bro, it's always better to keep some buffer of cash value to avoid lapse  Your age, to get Sum Assured+Critical Illness+SEPCC 150k with SM200+SME + waiver, possible you need about 250/month(non-official illustration, just use my brain to agak agak only)   But I can always elect to reduce the Sum Assured to override the automatic increase. This post has been edited by Pink Spider: Sep 7 2013, 05:23 PM |
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Sep 7 2013, 06:15 PM
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#5
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Senior Member
16,872 posts Joined: Jun 2011
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QUOTE(ExpZero @ Sep 7 2013, 05:59 PM) Oic, if that's the case, maybe the calculation is a little bit different from my previous projection due to different plan base(different insurance charges). So, in other words are u saying that IF my health condition maintains, I can just take 150 now, later if the need arises only upgrade to 200 or 250? Increase Sum assured in AddVantage Plus will impose more insurance charges, the latest Smart Protect Essential's 1% increase in Insurance Charges won't impose in your insurance charges. Well, different plan different advantage. The advantage of getting SME is actually to make a person able to "upgrade" his medical card even when he is not healthy.  |
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Sep 7 2013, 06:23 PM
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#6
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Senior Member
16,872 posts Joined: Jun 2011
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QUOTE(ExpZero @ Sep 7 2013, 06:21 PM) I'm trying to say that IF you can foreseen your health condition maintains then you can upgrade your medical card to 200. Ok, noted Because once diagnose with something, there is no turning back, you have to stick with your medical card for life. Once turn black, you can't turn back. |
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Sep 7 2013, 09:16 PM
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#7
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Senior Member
16,872 posts Joined: Jun 2011
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QUOTE(roystevenung @ Sep 7 2013, 08:18 PM) Which hospital to go is subjective bro. At times if the hospital that you go does not have the necessary equipment, the hospital will arrange for transfer. We go hospital to cure illness, not to berasmara...buat apa nak kelas sangat And why la you go and compare cheap room  compare la ada class sikit  Kecualilah ada nurse yg berbadan panas  This post has been edited by Pink Spider: Sep 7 2013, 09:16 PM |
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Sep 9 2013, 09:49 AM
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#8
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Senior Member
16,872 posts Joined: Jun 2011
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QUOTE(roystevenung @ Sep 8 2013, 07:30 PM) If accident happen in front of KPJ and they tolak you into KPJ and their two bedded room is RM 180? and then ask them, "ada nurse berbadan panas?"  |
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