Thanks for sharing your story to us. I just watched Astros movie on healthcare on channel 413 called 'Sicko' by Michael Moore on how America is the only developed country that does not have free national healthcare insurance and feel that we are heading the same horrible way as America where doctors and insurance companies alike are only interested in one thing, profit.  Those who do not have enough money either have to suffer or be turned away from hospitals because our insurance does not cover the particular illness or the premium is not high enough. A must see film for those in the healthcare  line.

I wonder if we will ever become the same as Europe or UK where healthcare is free for all citizens (already paid for in their taxes) and no one is refused treatment. The doctors only have 1 thing to do, to help each patient recover the best way possible, no matter how rich or poor he is. In fact, there is a cashier counter but the counter does not collect money for the hospital. Rather, it gives money away for those who have travelled to the hospital and reimburses them for their travelling cost eg. taxi or train or bus ticket fee. The more patient he treats, the higher he is compensated by the govt and they get extra incentive if they managed to help more people eg. lower down the smoking rate, obesity etc. An average doctor under the healthcare system stays in a RM3 million dollar house, drives an Audi A8 and earns more than RM600k a year, all these paid by the govt. If you are sick and need 3 months to recover, the doctor gives you a 3 month sick leave and your employer still has to pay you for the time you need to recover. Expecting mothers get close to a year off and is given advise on how to raise their children, a govt nanny comes and help do the laundry for her, cooks as well as takes care of the baby etc & if you are sick you can call a the hospital in the middle of the night to ask the doctor to come to your house for housecall service (free) ... sigh.. we are so far behind in terms of heathcare.

I don't mind paying 20% tax if it eliminates all these problems plus u get top quality free medical service, doctors on free housecall after working hours(eventhough it may be just a stomach ailment of fever), free university education, unemployment benefit etc etc. For EU countries, eventhough the tax is higher, so is the salary. A normal household earns $8000 euros a month after taxes. On average a salaried worker gets 5 weeks of holiday and bigger companies offer 8 weeks of paid holidays per year. If you get married, you get extra 1 week paid leave for your honeymoon. No wonder the life expectancy and quality of life is higher in most developed countries. Well.. for us 2020 perhaps?

What u said is true also.. we do have a small amount of govt clinics available with good doctors just that not many people know about it and it is not enough to cover the whole population.

hi all i am planning to get insurance, would like to have some advice on which insurance to go with, is AIA insurance medical coverage good? cause heard that some hospital need to pay upfront claim later is all other insurance company also same? or any other insurance company that is advisable to go with? thanks alot ppl. appreaciate it very much!

hi all i am planning to get insurance, would like to have some advice on which insurance to go with, is AIA insurance medical coverage good? cause heard that some hospital need to pay upfront claim later is all other insurance company also same? or any other insurance company that is advisable to go with? thanks alot ppl. appreaciate it very much!

Hi, I've my own style of buying insurance plan. Maybe you could study it and see whether it is useful to you...

I bought total 3 policies from AIA through a same agent.
The total premium is approx. RM600 per annual.
The policies include 36 major illnesses, medical card and personal accident.
All 3 policies are yearly renewable, in other words, it will burn every year and it'll only continue back after i pay in the year end.
So far, I've paid for almost 5 years and the premium remain same without review.
In these 5 years, I'd went for 2 surgeries and they cost me around RM14K. All are claimable back from AIA through the same agent.

I choose this way of insurance coverage because I strongly believe we could only buy their insurance service but not their investment/ saving services. Otherwise, you'll end up buying a costly insurance with lowest investment return.

I don't mean everyone will agree to my style but i think it maybe good to share to you all.

Thanks.

Hi, I've my own style of buying insurance plan. Maybe you could study it and see whether it is useful to you...

I bought total 3 policies from AIA through a same agent.
The total premium is approx. RM600 per annual.
The policies include 36 major illnesses, medical card and personal accident.
All 3 policies are yearly renewable, in other words, it will burn every year and it'll only continue back after i pay in the year end.
So far, I've paid for almost 5 years and the premium remain same without review.
In these 5 years, I'd went for 2 surgeries and they cost me around RM14K. All are claimable back from AIA through the same agent.

I choose this way of insurance coverage because I strongly believe we could only buy their insurance service but not their investment/ saving services. Otherwise, you'll end up buying a costly insurance with lowest investment return.

I don't mean everyone will agree to my style but i think it maybe good to share to you all.

Thanks.

mine also dont have investment 1 but i need to double check with the agent and see if the policies are yearly renewable. cause i mainly need to cover on medical but she gave the plan include PA and also 36 illness and every month i need to pay rm180 for the policy. Am i doing the right thing?

It is the same for all insurance companies. No medical card in the market can guarantee us an admission to all hospitals in Malaysia without deposit...

All insurance companies have their own list of panel hospitals...

I think you need to do some homework before reply this thread.  As per my experience ING does.  I admitted to Sunway Medical Centre last year due to Dangue fever.  I did not aware that I was Dangue suspected until my panel doctor told me about it.  Immediate action was required as what the doctor told, and I admitted to the hospital.  I do not have any extra cash in hand, but a ING medical card my dad gave me 8 years ago and I never used it before.

I discharged from the hospital 5 days later without a single cent paid.  On top of that, I received a RM 200 cheque from ING Insurance Berhad as an "Ang Pao".

The medical fees cost me about RM 4,000.  The claim approved 3 weeks later.
P/S:  I am not sure how AIA does.

Ask your Insurance Agent to help you. He/She should be the facilitator between you and the claim departments.
Just insured 8 months then have thyroid.... not easy to claim. It'll be lengthy process, be prepared.

Hi, I've my own style of buying insurance plan. Maybe you could study it and see whether it is useful to you...

I bought total 3 policies from AIA through a same agent.
The total premium is approx. RM600 per annual.
The policies include 36 major illnesses, medical card and personal accident.
All 3 policies are yearly renewable, in other words, it will burn every year and it'll only continue back after i pay in the year end.
So far, I've paid for almost 5 years and the premium remain same without review.
In these 5 years, I'd went for 2 surgeries and they cost me around RM14K. All are claimable back from AIA through the same agent.

I choose this way of insurance coverage because I strongly believe we could only buy their insurance service but not their investment/ saving services. Otherwise, you'll end up buying a costly insurance with lowest investment return.

I don't mean everyone will agree to my style but i think it maybe good to share to you all.

Thanks.

mine also dont have investment 1 but i need to double check with the agent and see if the policies are yearly renewable. cause i mainly need to cover on medical but she gave the plan include PA and also 36 illness and every month i need to pay rm180 for the policy. Am i doing the right thing?

RM 180 per month? That means around RM 2160 a year... for medical card, personal accident, 36 critical illnesses... A bit expensive if no life insurance.

May I know the sum assured for each of the plans you have , your occupation, age, sex?

mahem lengthly process ar? but he oredi bought the insurance ma ...
i want something like dat leh..

I don't mind paying 20% tax if it eliminates all these problems plus u get top quality free medical service, doctors on free housecall after working hours(eventhough it may be just a stomach ailment of fever), free university education, unemployment benefit etc etc. For EU countries, eventhough the tax is higher, so is the salary. A normal household earns $8000 euros a month after taxes. On average a salaried worker gets 5 weeks of holiday and bigger companies offer 8 weeks of paid holidays per year. If you get married, you get extra 1 week paid leave for your honeymoon. No wonder the life expectancy and quality of life is higher in most developed countries. Well.. for us 2020 perhaps?