My asnswers to you.

You have to maintain you existing medical card as this will cover your hypertension.

If you wanna get a new card, as I know Allianz will accept depending on your blood pressure values (their underwritting guidelines), and the loading can range from at least 50% to 100% easily. If loading is imposed, then this card will cover your high blood pressure and includes diseases induced by hypertension.

Medical examination is a must to evaluate your condition.

Hope this helps and if you wanna a quote from Allianz, I can assist you. Thanks

hi,

anybody can give advise on which company's medical card is the best?
how abt major medical cards? any disadvantage? i got limited budget....

This post has been edited by ceteong: Aug 6 2010, 11:46 AM

i am using medical card from Great eastern life...so far so good lo...and i heard ING also not bad, but a but pricey....

if wanna budget one, must go for the Uniasia type gua....hope didn't make you confuse more

remember to buy cashless card ....means you dun need to pay a single cent upfront...non-cashless ones means you need to pay the hospital then claim back from insurance company which sux...

You should also realised that there are co-insurance involved. Usually 10%. That means you will have to pay 10% of the total bill. Only ING does not have this feature but you pay slightly higher premium.

I m using ING medical card right now, just done my knee operation last 3 weeks and this medical card didnt give any problem

This has been discussed in Finance, Business & Investment house before. I'll move this there and let their mods decide.

(Moved from Health & Fitness)

This post has been edited by Syd G: Aug 8 2010, 12:45 PM

hi ronnie,

referring to your reply no.1, how will the underwriter know about if a person has been hospitalised before ? will the underwriter go and investigate from the hospital record ? [ assuming the person forget to declare as it happens a few years ago and the person is currently ok ]

also for no.2, endowment plan i thought dont have CI and any medical plans in it, how come there's still a need to do medical check-up ?

No best card otherwise only one company will operate. More of what you need and your definition of 'best'.

hi there,

If you have do a claim from insurance from another company, the record will show (all insurance companies are linked up).

Endownment policies consists of life insurance too so same underwriting guidleines apply

Yeah, but cashless cards are considerably more expensive if u want comprehensive coverage i.e. easily > RM1k.

The price you pay to get a cashless card is worth it. You know upfront whether or not your insurer will cover your from the start, instead of paying all the bills and get a double whammy of rejected claim on top.

The co-insurance can be easily covered by the daily cash allowance. So no issue there.

A question to both insurance agents and non-agents here,

An agent's commission for a medical card is 15%. So if I buy a cheap medical card, say around RM300+, he gets around RM50.

Will the majority of agents be willing to travel to meet me and collect the premium from me every year? Or is it too much travel and effort for too little money, and I should just buy direct from the insurance co?

I'll like the opinion of the agents here.

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Added on August 10, 2010, 9:01 amAnother question

I just came across the medical card plan that suits me perfectly, except for this one clause which troubles me:



Anybody knows how 'heavily' can an insurance company load a premium for someone who has made a claim before?

This post has been edited by abbey: Aug 10 2010, 09:02 AM

Depends on what you get. In truth, the insurer can load you up with any amount because nothing prevents them from doing so.

And good luck trying to find an alternative, because for standalone cards, this pretty much is a standard clause. They may word it differently, but its standard.

abbey,

i would *not* sign a contract carrying this clause. and this is by no means standard for standalone cards. there are tons of cards around that will *not* adjust premiums based on your personal claims experience. in actual fact this very clause teaches you that the insurer is not really an insurer at all. it's a disgrace for the very name (not that there is only one company doing this but it's a disgrace nevertheless).

if you need a list of reputable companies that *do not* increase premiums based on your personal claims experience but only on the overall base of the insured (which is how it should be done!) you may ask me or scroll back. i have posted a list before.

i strongly suggest to boycott companies that dare to tell you we insure you but if you make a claim, we'll increase your premium. only policies that adjust premiums based on portfolio claims should be allowed to call themself insurance.

yes i agree. Ive analysed Prudential, ING and AIA and none of them carry a clause saying your premiums can be adjusted based on your claims. This is utter bullshit.

Wait a minute. Are we talking life or general here? Because they generally are different beast altogether compared.

i am talking about general but the same thing applies to life. very few (sad) companies still dare to utilise clauses that allow them to adjust premiums based on an individual's claims experience. those insurances are not worth the paper they are printed on. there really is no way to sugar-coat that. but luckily for us, those companies are by and large getting less and less and hopefully they do not manage to capture any significant business. they just dont deserve our money.

Can anybody here point out which general medical card that doesn't have this pesky, problematic clauses. From which provider?

A cursory glance shows that :-

Tokio Marine - 12 months you don't claim, then guaranteed renewal.

Allianz General - 2 years, if claim the subject to exclusions.