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> Medical Insurance for the elderly, PRUsenior Med, any alternative?

creativ
post May 24 2008, 05:01 PM, updated 11y ago

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I amlooking to a Medical Insurance for my mother (62 next birthday) and I stumble upon PRUsenior Med. Regretting not buying Medical for her earlier, now, it cost more and the choices of medical plans are limited. I've asked Great Eastern, unfortunately, they do not over to people above the age of 60. I've surfed AIA, they to do not cover for people that age too. sad.gif Anyone has come across alternatives? I'm really worried of huge medical bills that could wipe out my entire lifetime savings.

The details are (I'm typing from a Bahasa Malaysia brochure, don't have English one in my posession)... of PruSenior Med are

- Available to those between age 45 and 70. It is designed with level premium and is guaranteed renewable up to age 80
- You have to pay co-insurance of 10% or Min Amount Co Insurance for this product (whichever is higher)
- death benefit


The premiums are (Expensive!):

Entry |Co Insurance Amount |Co Insurance Amount
Next |RM3000 (Plan 1) |RM 6000 (Plan2)
Birthday |Male Female |Male Female

-------------------------------------------------------------
Premiums per year..... not guranteed.
45 |1753 1742 |1357 1338
46 |1819 1841 |1412 1406
47 |1885 1947 |1468 1478
48 |1954 2057 |1526 1552
49 |2025 2174 |1586 1628
50 |2099 2294 |1649 1707
51 |2178 2416 |1712 1787
52 |2263 2544 |1778 1871
53 |2353 2676 |1844 1959
54 |2451 2815 |1913 2052
55 |2557 2962 |1985 2151
56 |2675 3119 |2026 2257
57 |2802 3289 |2142 2371
58 |2941 3474 |2230 2496
59 |3094 3676 |2325 2633
60 |3260 3898 |2431 2784
61 |3397 4107 |2492 2885
62 |3502 4261 |2560 3000
63 |3636 4452 |2652 3139
64 |3759 4628 |2739 3266
65 |3897 4825 |2840 3407
66 |4040 5027 |2948 3549
67 |4204 5252 |3073 3706
68 |4375 5484 |3205 3866
69 |4573 5745 |3357 4046
70 |4778 6008 |3514 4227


|Plan 1 |Plan 2
Death Benefit |5000 |5000
Medical Benefit
* Daily Room & Board |200 |200
* ICU (max 120d/year) |As Charge subject to 10% co insurance
* Surgical |As Charge subject to 10% co insurance
* Anesthetic |As Charge subject to 10% co insurance
* In-Hospital & Related Service |As Charge subject to 10% co insurance
* Pre-Hospitalisation Treatment (30days prior) |As Charge subject to 10% co insurance
* Post-Hospitalisation Treatment (90days after) |As Charge subject to 10% co insurance
* Home Nursing Care Benefit (180days/lifetime) |As Charge subject to 10% co insurance
* Day Surgery |As Charge subject to 10% co insurance
* Cancer Treatment Benefit |As Charge subject to 10% co insurance
* Kidney Dialysis Benefit |As Charge subject to 10% co insurance
Minimum Co-Insurance |3000 |6000
Lifetime Limit |225000 |225000

This post has been edited by creativ: May 24 2008, 05:32 PM
Blue07
post May 24 2008, 05:33 PM

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I signed up for this plan too as I could not find any other big name alternatives. I took the one with RM3K co-insurance. And yes, it expensive!!! I bought for both parents but luckily my siblings also chip in sweat.gif If you have siblings, perhaps you could ask them to help out too?
b00n
post May 24 2008, 05:53 PM

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OT a little bit.
A lot of time ppl are comparing the premium if bought earlier against premium when bought at later stage.
Does anyone ever done the calculation say if one bought 10 years ago the total premium paid for that 10 years plus another 10 years against if you buy at later stages for another 10 years?
Say the premium is RM500 per annum thus it equates to RM5000 the first 10 years and additional 10 years would give a total of RM10000.
Whereas if one bought at a later stage at the price of say RM800 per annum for the later 10 years period...it's only RM8000.

So basically it's on when you needed insurance and not at what age one buys!

Back to the topic. Seriously it's too late as I personally think a lot of insurance would avoid insuring anyone more than 60 years old. Even banks do not gives up loans to elderly ppl. The main reason is risk vs rewards. We have to acknowledge that insurance is still a business which main purpose is to still earn profit. So in my opinion, if there's any which provides than go ahead but pls take note on the coverage and terms and condition.

I remember one of my uncle bought a medical insurance at the age of 50+ (though forgot the which company), and somehow or rather...he was unfortunate enough to be admitted into the hospital during the second year but the insurance company would not cover it as it is stated in the terms and condition that one can only use that card after the end of 2nd year.
lwb
post May 24 2008, 06:15 PM

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hi creativ,

i feel for you, as i too have parents of elderly age..

the best insurance one can opt for is self-insurance..
of course, this requires fore-sights and ample planning at your early life.

even if you managed to get into one of those big-name insurance plan, do bear in mind that their coverage will still ends after your parents attain certain age.. example, some insurance will stop/end/terminate when your age reaches 70.

by then, the severity arising from medical cost is definitely higher than those in their 60s. so, you're just buying "time" but not securing certainty.

and medical insurance is not a guarantee as well.. (hint - watch the movie, "sicko" and you'll know)
lwb
post May 24 2008, 06:24 PM

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in order to be self-insured, one requires to have both perpetual income streams and a strong capital standing. that's a lifelong achievement/journey (so, what's important is to start yours today!). my aging parents are self-insured but i do keep an eye on them as well.

the perpetual income streams will iron out those periodical medical expenses such as medications where as a huge operations/hospitalization/surgery will be taken care by the capital (either through liquidation and/or collateral leveraging)
cherroy
post May 24 2008, 06:27 PM

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QUOTE(b00n @ May 24 2008, 05:53 PM)
OT a little bit.
A lot of time ppl are comparing the premium if bought earlier against premium when bought at later stage.
Does anyone ever done the calculation say if one bought 10 years ago the total premium paid for that 10 years plus another 10 years against if you buy at later stages for another 10 years?
Say the premium is RM500 per annum thus it equates to RM5000 the first 10 years and additional 10 years would give a total of RM10000.
Whereas if one bought at a later stage at the price of say RM800 per annum for the later 10 years period...it's only RM8000.

So basically it's on when you needed insurance and not at what age one buys!

Back to the topic. Seriously it's too late as I personally think a lot of insurance would avoid insuring anyone more than 60 years old. Even banks do not gives up loans to elderly ppl. The main reason is risk vs rewards. We have to acknowledge that insurance is still a business which main purpose is to still earn profit. So in my opinion, if there's any which provides than go ahead but pls take note on the coverage and terms and condition.

I remember one of my uncle bought a medical insurance at the age of 50+ (though forgot the which company), and somehow or rather...he was unfortunate enough to be admitted into the hospital during the second year but the insurance company would not cover it as it is stated in the terms and condition that one can only use that card after the end of 2nd year.
*
Yes, insurance is surely making profit business like banks. They have calculated properly the premium and risk involved. Basically, insurance is just a pool of funds that compensate to those 'unlucky' one. Just like we have 100 people, then based on statistic, 10 will claim insurance, so insurance company will compute the premium for 100 people that able to cover the 10 claims.
That's why some insurance tends to have low premium, some higher. They are all based on statistical calculation which to make sure insurance will make money out of it. They are not 'betting' against insurance holders.

That's why you see when there are too many claims, then insurance company needs to raise the premium in order to cover the claimed made.

As for those high ages people like 70-80's, then you know 9/10 people potentially will claim on the medical, based on statistical calculation if one need to cover for 100K then premium at least must 100 x 9/10 = 90K, then insurance become no point already nor customers willing to buy also.

So with the understanding insurance is a pool of funds, then it is much easier to understand how insurance works, as it is the basic of insurance.
cherroy
post May 24 2008, 06:30 PM

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Back to the topic, you buy insurance when you need it and afford.

Merely to save some to buy at younger age, while putting your cashflow situation or financial strained/struggle is not a good decision. That's why affordability and needing consideration must be put in the priority not because agents tell you buy at younger age will be cheaper then straight away make the decision to have it.

Just my 2 cents.
jchong
post May 24 2008, 07:06 PM

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QUOTE(cherroy @ May 24 2008, 06:30 PM)
Back to the topic, you buy insurance when you need it and afford.

Merely to save some to buy at younger age, while putting your cashflow situation or financial strained/struggle is not a good decision. That's why affordability and needing consideration must be put in the priority not because agents tell you buy at younger age will be cheaper then straight away make the decision to have it.

Just my 2 cents.
*
Also buy when you qualify for it.

As the TS experienced, there might be a cut off point. After that even if you want to buy some companies might not offer to you.

And also buy when you're relatively healty since some medical policies might not cover pre-existing conditions.

This post has been edited by jchong: May 24 2008, 07:07 PM
wenjie86
post May 24 2008, 09:31 PM

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QUOTE(creativ @ May 24 2008, 06:01 PM)
I amlooking to a Medical Insurance for my mother (62 next birthday) and I stumble upon PRUsenior Med.  Regretting not buying Medical for her earlier, now, it cost more and the choices of medical plans are limited. I've asked Great Eastern, unfortunately, they do not over to people above the age of 60. I've surfed AIA, they to do not cover for people that age too. sad.gif Anyone has come across alternatives? I'm really worried of huge medical bills that could wipe out my entire lifetime savings.

The details are (I'm typing from a Bahasa Malaysia brochure, don't have English one in my posession)... of PruSenior Med are

- Available to those between age 45 and 70. It is designed with level premium and is guaranteed renewable up to age 80
- You have to pay co-insurance of 10% or Min Amount Co Insurance for this product (whichever is higher)
- death benefit
The premiums are (Expensive!):

Entry |Co Insurance Amount      |Co Insurance Amount
Next  |RM3000 (Plan 1) |RM 6000 (Plan2)
Birthday |Male Female |Male Female

-------------------------------------------------------------
Premiums per year..... not guranteed.
45 |1753 1742 |1357 1338
46 |1819 1841 |1412 1406
47 |1885 1947 |1468 1478
48 |1954 2057 |1526 1552
49 |2025 2174 |1586 1628
50 |2099 2294 |1649 1707
51 |2178 2416 |1712 1787
52 |2263 2544 |1778 1871
53 |2353 2676 |1844 1959
54 |2451 2815 |1913 2052
55 |2557 2962 |1985 2151
56 |2675 3119 |2026 2257
57 |2802 3289 |2142 2371
58 |2941 3474 |2230 2496
59 |3094 3676 |2325 2633
60 |3260 3898 |2431 2784
61 |3397 4107 |2492 2885
62 |3502 4261 |2560 3000
63 |3636 4452 |2652 3139
64 |3759 4628 |2739 3266
65 |3897 4825 |2840 3407
66 |4040 5027 |2948 3549
67 |4204 5252 |3073 3706
68 |4375 5484 |3205 3866
69 |4573 5745 |3357 4046
70 |4778 6008 |3514 4227
   |Plan 1 |Plan 2
Death Benefit  |5000 |5000
Medical Benefit 
* Daily Room & Board  |200 |200
* ICU (max 120d/year) |As Charge subject to 10% co insurance
* Surgical   |As Charge subject to 10% co insurance
* Anesthetic  |As Charge subject to 10% co insurance
* In-Hospital & Related Service |As Charge subject to 10% co insurance
* Pre-Hospitalisation Treatment    (30days prior)  |As Charge subject to 10% co insurance
* Post-Hospitalisation Treatment  (90days after)  |As Charge subject to 10% co insurance
* Home Nursing Care Benefit  (180days/lifetime)  |As Charge subject to 10% co insurance
* Day Surgery  |As Charge subject to 10% co insurance
* Cancer Treatment Benefit |As Charge subject to 10% co insurance
* Kidney Dialysis Benefit |As Charge subject to 10% co insurance
Minimum Co-Insurance |3000 |6000
Lifetime Limit  |225000 |225000
*
Nice work out.. all so true smile.gif

even thought is expensive , but it's worth it : nod.gif


Added on May 24, 2008, 9:41 pmoh ya.. u need to remember.. example :
give u some example.. so u can understand..

mr Sam purchased plan 2,. he would be paying a minimun of rm6000 ( deducible or 10% co insurance off his medical expenses per admission.

let say Mr Sam addmitted to hospital for 5 days due to pneumonia, no surgery was performed and hospital cost inccured are as follows

Room & Board Rm110 x 5 = Rm 550
In hospital and related services = Rm 980
Total = Rm 1530

He's entitled to claim Rm550

Full reimbursement of his room and board is Rm550. Considering that the in hospital and related services is subjected to 10% co-insurance or a minimun amount of deductible , and taht Mr Sam purchased Plan 2 (i, e. deductible of rm6000), thus he will not be reimbursed that charges in the end, Mr sam will only able to claim Rm550.

Scenario 2

Let say Mr sam was hospitalized for 20 days due to a heart attack where angioplasty was performed and hospital cost incurred are as follows.

Room & board Rm110 x 20 days = Rm 2,200
Surgical, in hospital and related service = Rm 20, 900
post hospitalisation = Rm 10,200
Total = Rm 33,600

he entilted to claim = Rm 26 550

room and board Rm 110 x 20 days = Rm 2,200 (paid in full )
surgical,in hospital and related service = rm20,900-rm6000
= rm14,900
post-hospitalisation = rm10,500-( rm 10,500 x 10%)
= rm9,450

total claim entitlement = rm2,200 + rm 14,900 + rm9,450
= rm26,550

He gets reimbursement on the full amount for room and board = Rm2,200.
his surgical , in hospitalisation and related service subject to co-insurance of 10% or minimun deductuble (plan 2 - rm6000) in which case, the deductible of rm6000 is higher than the 10% of the charges. Therefore he able to claim = Rm14,900
for post-hospitalisation too, is subjected only to 10% co-insurance. there for he many claim = rm9,450.

So.. this is the product examply.. which u wanna buy..understand?

This post has been edited by wenjie86: May 24 2008, 09:45 PM
Justmua
post May 24 2008, 10:44 PM

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It is nice to have medical insurance if you can afford it. Medical insurance for the elderly is always the highest due to the simple fact that they are the highest risk group.

If you cannot afford it, the government hospital can be a viable option. I, like most people, had negative perceptions on the services of government hospitals until I experience it myself. For most diseases/illnesses, government hospitals are a good option. In particular, I find Hospital UKM in Cheras to be one of the better ones. Doctors and the nurses are truly caring lot. End of the day, the fees are very affordable.

It is nice if you can afford medical insurance. But bear in mind that none of the insurance company will cover pre-existing conditions. Either they will specifically exclude it or put additional loading on it. It is a case-to-case basis.

End of day, if you still want private hospital services, but prepare to be sucked dry...




creativ
post May 25 2008, 08:12 AM

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QUOTE(b00n @ May 24 2008, 05:53 PM)
So basically it's on when you needed insurance and not at what age one buys!
I think you have a point there thumbup.gif

QUOTE(b00n @ May 24 2008, 05:53 PM)
So in my opinion, if there's any which provides than go ahead but pls take note on the coverage and terms and condition.
I've not actually seen the sample policy though, you know, brochure always make everything look so nice.

QUOTE(Justmua)
End of day, if you still want private hospital services, but prepare to be sucked dry...
Well, I'm prepared. When my father got admitted to a goverment hospital in Johor for pnemonia and passed away, I can't bear to see the same to my mother. The condition of the hospital is teribble (at least to my standard) and the skills of the housemens are bad. Imagine the houseman needing to poke the needle 4 times to get the veins for a bloodtest.. doh.gif that's what actually happened. And mind you.. my father is a thin man, his veins are clearly visible on his arm! That's why although my mother is entitled for a minimal fee in gov hospital because my father was a government servant, I still want to put her in a private one first. She has done a lot for us siblings, so I guess at least this is one of the ways we can repay her back and make her happy although she always insisted me to put her in a gov hospital to save cost. I think in her heart she prefers a private hospital one after what she seen to my father.

QUOTE(wenjie86)
So.. this is the product examply.. which u wanna buy..understand?
yup understand. thanks for your example. I would still buy one for my mother, as of now this is the only product of its kind in the market I know so far. I'm looking for more to compare smile.gif

QUOTE(lwb)
even if you managed to get into one of those big-name insurance plan, do bear in mind that their coverage will still ends after your parents attain certain age.. example, some insurance will stop/end/terminate when your age reaches 70.
This is renewable till the age of 80.

QUOTE(Blue07)
I signed up for this plan too as I could not find any other big name alternatives. I took the one with RM3K co-insurance. And yes, it expensive!!! I bought for both parents but luckily my siblings also chip in  If you have siblings, perhaps you could ask them to help out too?
Only 2 of us siblings. So mother next birthday is 63, the premium would be RM 3139 per year. That would be RM 130 per month for each of us sibling. I think not that bad lah... I've also calculated the cost of premium for the next 17 years (till age 80), and it amount to RM 26,520 for each of us sibbling. And my mother is also covered for her life, upon her death, her whole life insurance claim would be able to offset what we've spent for the medical premium.

This post has been edited by creativ: May 25 2008, 08:14 AM
bbjslee
post May 25 2008, 01:34 PM

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As an insurance agent, it is encouraged to buy medical insurance young.

- Premium is cheaper
- If you want to buy at older age at higher premium, better for me!! More commision rclxms.gif
- More and more young people are admitted to hospital due to various disease. (According to my friend working in a local private hospital)
- Upon maturity, you get back the cash surrendered value, so actually you didn't lose any premium you put in (depending on which insurance package you have)
- Hospitalization is not just for sickness/diseases only. What if car accident? You could be a very good driver but that doesn't mean the driver on the car next to you is as well.

Self insurance if good that is if you are good at financial management and investment. But how many people can do that? And by what age you can achieve that?
Even Adam Khoo a young millionaire also states Insurance is a must.
lcl832002
post Mar 7 2009, 09:01 PM

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It is sometimes very sad to hear people who have to spend all their lifetime savings in hospitals because they have no medical insurance...
roystevenung
post Aug 17 2012, 11:33 AM

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I know that this thread is in 2008, if possible please revive it as most of us buys insurance for ourselves, spouse and children and thought that it is expensive to buy for our parents.

Like one of the poster mention, share the monthly premium.

PRUSenior med is a unique plan designed for senior citizens.

As we may already know insurance charges for whole life policy can be extremely expensive, especially at older age of 70-80. The insurance charges can go as high as RM 15K per annum.

This is the beauty of PRUsenior med and it is designed to take off the burden of not paying high premium, but at the same time gives high coverage of up to RM 225K.

This plan does not have annual limit, hence if need to utilize the entire plan benefit you are able to do so. However there is a 10% co-insurance thereafter.

Here is how it works:
If the bill is RM 150K, minus the RM 3K co-insurance = RM 147K * 10% = RM 14,700.

What the client is needed to pay is RM 14,700 + RM 3,000 = RM 17,700 and Prudential will pay the balance of RM 135,300.

The premium is based on ENTRY age and it does not go up. It is not like our parents needs to admit to the hospital everyday.

Also if mild hypertension & under control it may be accepted under PRUsenior med.
Amanda85
post Aug 17 2012, 04:17 PM

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i also bought medical insurance for my parent who are currently 50++

but the problem is, it is only renewable up to age 80.

i had 1st hand experience with my grandpa, whereby his health deteriorate after 80 and this is the time when all the expenses kick in.

i hope when my parents hit 80, i won't have any problem to getting back the cash value as promised by the agent.

btw... did anyone know any medical card that cover pass age of 80?
ExpZero
post Aug 17 2012, 06:05 PM

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QUOTE(Amanda85 @ Aug 17 2012, 04:17 PM)
i also bought medical insurance for my parent who are currently 50++

but the problem is, it is only renewable up to age 80.

i had 1st hand experience with my grandpa, whereby his health deteriorate after 80 and this is the time when all the expenses kick in.

i hope when my parents hit 80, i won't have any problem to getting back the cash value as promised by the agent.

btw... did anyone know any medical card that cover pass age of 80?
*
Most of the time the medical card coverage until age80 because after age80, the insurance charges is very expensive, it could be much more worth it if you insure your own hospitalization cost. Thus, it is always advisable to get higher sum assured for life,tpd and 36 critical illness because those are much more cheaper at older age compare to medical card's insurance charges.

This post has been edited by ExpZero: Aug 17 2012, 07:55 PM
roystevenung
post Aug 17 2012, 07:47 PM

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QUOTE(Amanda85 @ Aug 17 2012, 04:17 PM)
i also bought medical insurance for my parent who are currently 50++

but the problem is, it is only renewable up to age 80.

i had 1st hand experience with my grandpa, whereby his health deteriorate after 80 and this is the time when all the expenses kick in.

i hope when my parents hit 80, i won't have any problem to getting back the cash value as promised by the agent.

btw... did anyone know any medical card that cover pass age of 80?
*
Yes, I would recommend PruHealth.

For In-patient there is a 10% co-insurance, (min RM300, max Rm1K)
For Outpatient, 10%, max up to RM 2K

Even though there is co-insurance, do you know that plans with co-insurance is actually cheaper than plans that provides full coverage in terms of premium at older age? For example, for a cover up to age 100, with a RM 150 room & board, the insurance charges for age 66-77 is RM 8,455/year. Do compare it with other insurer that is without co-insurance.

You can attached the annual limit waiver to the plan if you're worried on the annual limit. For RM 150/day room & board if you upgrade to RM 200 Room & board, you only pay the difference of RM 50.

At old age, it's best to swing the life/CI cover to medical as Life/CI will be very expensive at older age.

This post has been edited by roystevenung: Aug 17 2012, 07:51 PM
leonard73
post Aug 18 2012, 12:58 PM

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try allianze , maximum entry level is 69..maybe some other will have. This is kind of good for standalone MI. I not sure about others ILP.


roystevenung
post Aug 18 2012, 01:05 PM

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QUOTE(leonard73 @ Aug 18 2012, 12:58 PM)
try allianze , maximum entry level is 69..maybe some other will have. This is kind of good for standalone MI. I not sure about others ILP.
*
https://www.allianz.com.my/web/ctb/10098/10014

How long will this plan cover you? This plan covers the Life Assured until he/she attains 70 (inclusive) nearest birthday.

To extend to age 80, you need to add on EB MediShield Plus

How long this plan will covers you? This plan covers the Life Assured until he/she attains 80 (inclusive) nearest birthday.

Also, please check whether the plan is guaranteed renewal, if any agent can confirm?

This post has been edited by roystevenung: Aug 18 2012, 01:20 PM
worldangel
post Sep 29 2012, 03:04 AM

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QUOTE(simonlai61 @ Aug 26 2012, 12:14 AM)
Hi. ING can offer a medical to senior citizen up to age 69, cover up to age 85. We have no co-insurance charges. Just RM50 per claim. If interested, pls drop me pm. Cheers~~


Added on August 26, 2012, 12:15 am
Yup. iNG cover up to age 85. Interested?
*
Can I know more about this ING insurance for the elderly? I have a 63 year old father and a 56 year old mother. You can PM me to give me more details. Thank you smile.gif

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