Can u post the brochure for the 10X lifetime limit package?

good morning,
do u guys have any experience or info to share with hong leong bank medisaver? does it works the same with standalone plan like great eastern n ing?
tks

Surf though the internet and found that several well known hospital had rejected ING medical b4 (should be back in 2008) due to disagreement and financial problem...

Is it true?

How many here using Allianz Powerlink? All in one: medical card, PA, 36 CI, life, auto saving. I just bought it because quite satisfied with the package and agent service. My gf was on Allianz powerlink and admitted to hospital for operations last month, use the medical card without paying anything, and got the medical claim cheque in 5 weeks!

Share your feedbacks!

Good for you.

I have also encountered a claims for my client who uses the Allianz PowerLink Medical Card. Retina detachment operation at Pusrawi Hosp Jln Tun Razak. It was a hassle free admission to the hospital and claims was out very fast, and at the end of the day when discharged, she pays nothing.

This is from the point of view of an Allianz agent, and this is not meant as a sales pitch. Thanks

---

Added on July 9, 2010, 4:55 pmYes it's true way back during that time. But I think they have rectified this issue. Can an ING agent confirm this?


This post has been edited by chew_ronnie: Jul 9 2010, 04:55 PM

Hi,

Please refer to https://www.ing.com.my/INGService/ASP-bin/S...viceType=ICWNet for ING Medical Card Panel Hospitals.


Regards,
Gavin Lim from ING

Can i post a question to insurance agent ?

Scenario
I wanted to buy a medical card (insurance for my son). But he have case, becoz of surgery in the leg.
I have appeal for the case to many Insurance but only one of the Insurance response and willing to accept but be pending until my son age 2 without any problem in future occur.
Now, my son, age 2, and the case have been re-open and further study.
My son birthday is September 2009. The case have been drag until last month. 9 months long.

Finally, the Insurance Co. offer to me = Their only accept our medical card but doesn't cover the bottom half. which means from hips to toe.
i really dishearted with it. But the heck. i just wanna some security for my son. an opted for it. Their offer letter is now = June 2010.
--> I don't mind the waiting but does it gurantee to me that my son will get the medical card thingy ?

Now this is the case, Today i received the calls.

1. Insurance Co. ask me to pay the premium = RM200 per month (I agree). But.
Insurance Co. ask me to pay the premium starting from his age at 2. which is from September 2010 - May 2010.

Can they do that ? I thought the Policy is effective from upon on getting their offer letter ?
correct me if i"m wrong in Insurance Thingy ?

This is a very unprofessional work. I wasn't aware from the beginning.
--> i mean to the agent whom didn't explain well to me. not the policy or rules or regulation set by Insurance Bank Negara.

This post has been edited by Manuk1188: Jul 14 2010, 03:11 PM

Can i post a question to insurance agent ?

Scenario
I wanted to buy a medical card (insurance for my son). But he have case, becoz of surgery in the leg. What kind of surgery? A sickness when born that needs attention?
I have appeal for the case to many Insurance but only one of the Insurance response and willing to accept but be pending until my son age 2 without any problem in future occur.
Now, my son, age 2, and the case have been re-open and further study.
My son birthday is September 2009. The case have been drag until last month. 9 months long.

Finally, the Insurance Co. offer to me = Their only accept our medical card but doesn't cover the bottom half. which means from hips to toe.
i really dishearted with it. But the heck. i just wanna some security for my son. an opted for it. Their offer letter is now = June 2010.
--> I don't mind the waiting but does it gurantee to me that my son will get the medical card thingy ? If the offer letter says it covers the upper part of body then its guarantee already. But u really need to see the terms offered by the offer letter.
Now this is the case, Today i received the calls.

1. Insurance Co. ask me to pay the premium = RM200 per month (I agree). But.
Insurance Co. ask me to pay the premium starting from his age at 2. which is from September 2010 - May 2010. The insurance shall only take effect from June 2010 so basically they can't ask u to pay for the Sept 2010 to May 2010. So my question is the Insurance Co. asked u to pay or the Agent asked u to pay?

Can they do that ? I thought the Policy is effective from upon on getting their offer letter ?
correct me if i"m wrong in Insurance Thingy ?

This is a very unprofessional work. I wasn't aware from the beginning.
--> i mean to the agent whom didn't explain well to me. not the policy or rules or regulation set by Insurance Bank Negara.

Hi all,

I want to buy a medical card, budget RM500-RM700 a year.

Been doing some research. In the proposal forms of some insurance firms, they ask:



My questions:

1. How am I to answer if I'm under a group insurance scheme provided to customers of a bank that don't come with a policy schedule or detailed contract, just a yearly statement showing the amount of premium deducted?

2. Can I NOT declare an insurance policy I have if I am perfectly healthy and have never made an insurance claim before? Among the reasons could be I'm no sure about the details of a policy taken many years ago or the policy is lapsing soon?

Hope someone can help

Quite rare for an insurer to actually ask you to attach a policy schedule these days. Normally we just ask you to declare what other insurers do you have. In this case, since you don't even have a policy schedule, just write in yes, tell them its a group policy and you don't have a policy schedule.

Again, just say you had a policy, that all. Just tell the truth.

15 years ago i bought a RM 10,000 insurance policy with Prudential and im still paying it every year. My agent that i purchased from won't be bother by it anymore and after had paid like RM 8K , i decided to withdraw the policy because i feel RM 10K insurance and coverage of 50K personal accident on death is no longer as big as those days.

So lesson i learn here is to get an agent that will guide you to withdraw some old policies to replace with new one. best agent is the one your friend who is honest.

This post has been edited by hackwire: Jul 24 2010, 06:47 AM

Yes you are right, but the most important thing is that the agent have to see whether the customer is fit to apply a new one or not. If not fit, and the old one is cancelled, then the customer is left with nothing. So pls do take not of this point, as people age, many things can happen be it high blood or diabetic or even obese.

Hi,

I'm 28yrs old, actually thinking to get an insurances for myself but dunno which one I should get as there are too many policy from different insurance company.

The most important things I wish to cover will be the Medical (as I dont have medical card), secondly will be Life insurances. Is there any policy cover all? or I should buy separetely?

One of my friend suggested me GE SmartProtect Essential (which include Hopistalisation, 36 critical illness, Lady Care Rider, total perment disablement, personal accident & death) and I will need to pay RM250/mth.

To be honest, I'm not sure if this is what I should get for? Any expert which can give me some advice on this?

thanks

This post has been edited by Dancing in the Sky: Jul 26 2010, 04:08 PM

1st of all, you should look at the medical card, and be sure that you get the right room plan because if you get the lowest of it, you'll be having difficulties when being admitted to hospital.

Secondly, determine the life insurance amount + critical illness and P.A.

Few points to note in GE SmartProtect Essential as this is an Investment Linked Plan that can covers all.

Pls take note: GE's medical card:
Co-insurance of 10% up to RM500, meaning you have to pay 10% or RM500 when discharged from the hospital.
If you exceed the room limit, you have to bear 20% of the total hospital bill.

GE's critical illness benefit:
If you get RM100k of critical illness, it will reduce the Life Insurance by the same amount.

This is what i've gathered from GE policy holders.

Hope this helps

Hi Ronnie,

Thanks for the advice, will definately pay more attention and do the research on this.

cheers

if i were you i would buy a medical card seperately from all other policies. this issue has been discussed to great lengths before. some may advise against it and while there might be arguments for buying an all-in-solution i think there are very strong points against it: lock-in in a multitude of products while your expectations and needs might change, high premium that you wont be able to do anything about and due the life cum medical policy structure higher premiums than with standalone policies. usually the cover for a 250 premium/month witll be low in terms of medical cover. you should always get this as high as possible. a burned-money policy (ie. general insurance cover) is better since its ever so much cheaper. try to ask 500k annual cover and you will see big difference. otherwise i agree with chew_ronnie: med first, buy this and see what's left on the budget. then buy life/CI/PA in whatever order your personal set of urgency is set until your pre-set budget is depleted.

Hey comrade ronnie! Keep up the good work!

hi all insurance agent/bank sales consultant, just wanna ask,

1) when a person buys insurance, what kind of medical investigation will
the insurance company/underwriter do ?

2) does buying endowment plan needs a person to declare his illness
condition just like how he declare for medical card or CI ?

1) when a person buys insurance, what kind of medical investigation will
the insurance company/underwriter do ?
There are 2 conditions that the underwriter will get this person to do a medical checkup:
1. If the sum insured amount is very big i.e. more than 500k
2. If this person has hospitalised before, of with severe family sickness history, or this person has diabetes, high blood or even obese/underweight

2) does buying endowment plan needs a person to declare his illness
condition just like how he declare for medical card or CI ?
Same underwriting guidelines apply

i have a medical card for R&B 150 which i bought many years ago and this card cannot be upgraded anymore (due to change of plan). I have since been diagnosed with hypertension few years back and now i'm thinking of upgrading my medical card.

I wonder whether insurance company still covers for those with hypertension? If yes, will there be loading and how much will be the loading normally? I would like to find a medical card that includes diseases induced by hypertension coverage, as i know some medical cards exclude hypertension if you already have it.

PS: I know i might be subjected to medical examination before approval.