Easy to say. Kalau new business still can PMM5 ka? No, new business cannot PMM5 must be either PruHealth or Takaful Health. That conversation I posted was with a prospect who wanted a policy for his newborn.

Now for kids also you must give them pruchild.

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Added on April 2, 2010, 2:59 pmLets List Out Pay First Claim Later Cards, or those with waiting Periods.

Those With Waiting Period - Must Pay First, even if you have the card

1. PruHealth & Takaful Health (Prudential - Life) - 90 days




Pay First Claim Later Cards - Cheaper, but watch out for big claims

1. Kurnia (Also Got With Medical Card)

This post has been edited by mfitri77: Apr 2 2010, 02:59 PM

I thought Allianz doesn't have that. Correct me if I am wrong.

Well, if the doctor bungles it up. The recent case of malay comedian Din Beramboi comes to mind. The first day, it was thought that he has leprosis. After that, changed to dengue fever (the bloody kind).

Even then, standard viral fever also around 3k now.

You really should do some reading rather than hang on to what your agency manager is saying. There is no logic to say panel hospitals need to update their system, because panel hospitals do not keep insurance data for their panels. A panel hospital is simply a hospital that accepts and has agreements to accept guarantee letters from spesific care providers.

That is done by either medical care management company or the company itself, if they manage the card themselves.

When someone claim, the hospital doesn't check their records. Using the policy number on the medical cardm they would refer to the insurer whether on they would cover based on what the doctor says most likely is the problem. If they cover, the issue a GL, saying they would guarantee payment. Again, all this comes from insurer.

There is. Medical reports are not needed because you have to declare and be honest about your health condition. However, medical reports may be requested in cases where :-

1. Very High Premium
2. Very High Age
3. You declared a health problem (Blood pressure etc)

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.

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.

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.

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

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.