It's always important to have a medical card atleast a basic one to get some coverage.

As I deal with doctors who are my clients, the charges in the hospital nowadays are quite high.

The Company reserves the right to revise the maximum cap for co-insurance by giving at least 30 days prior written notice.
My Answer: GE has the right to revise the co-insurance cap in the near future should it deem necessary due to economic change, it applies to all Insurance company as it is governed by Bank Negara Malaysia. However, with GE's large portfolio capital in their company compared to other insurance company in the country, this is less likely to happen unless GE is bankrupt.

· Coordination of benefits - the Company will provide compensation on a proportionate basis if you have any other
hospitalisation coverage on reimbursement basis with our Company or others, or is receiving compensation from either
sources for injury or illness or disease.
My Answer: GE will provide payment to your hospitalisation or proportionately depending if you have other medical card. For example Prudential gives you 50k claim per annually but if your surgery is over 50k, say it cost you 70k. GE will pay for the remaining 20k.

· Portfolio withdrawal condition - the Company reserves the right to cancel the SM portfolio as a whole if it decides to
discontinue underwriting this rider.
My Answer: This reserve the right for GE to withdraw the Medical Plan in the future. This is applicable to all insurance company. However, GE is unlikely to do that, if GE does so, it means that they completely close down their medical card portfolio. Which is impossible, it would be like saying a motorbike shop not selling motorbikes or a General Insurance company not providing motor insurance.

Only certain companies such as Prudential still holds the non-cancellable agreement clause however, to negate risk, the insurance company would have to charge higher premium to their customer or in the policy in order to keep afloat . However, GE being the market leader will be able to sustain their business for a long time though they have come out with such clause that might be worrying to its client. However, a lot of customers mistaken that this clause is a disadvantage which is why Prudential would use such point to attack to gain the market share.

However, I would like to rest assure all policy holder of any insurance company that such thing would not happen in terms of your medical card being cancelled for no particular reason unless the insurance company is bankrupt or they are going into a merger.

sorry abang roy.