if i have medical card, do i need to pay upfront deposit to hospital for admitted?

be more accurate
MOST medical cards from insurance company DON'T NEED deposit
IF
the hospital get the GL from your insurance company successfuly, after some hours of waiting

If you are very sick or diying, you won't succesful beg the hospital to let you admited without paying deposit without the approval of GL

hi..tq for your prompt reply..some agent told me tat his medical card dont need upfront deposit for hospital admitted..

hello bro, i suggest you read thru my statement clearly first. ok?

You yourself already mentioned "SOME" meanwhile i said "MOST"
did i said ALL??
This lesson tell you don't jump into conclusion so fast. You would misleading your prospects easily
If you're debating outside in open space, you're dead already

i long knowing you're from which company. There is no need to tell me where you from.

chill~

p/s: For my own opinion. Deposit OR not, most agents can settle this issue for their prospect easily. Unless you don't know what to do your best for your clients

okay
maybe i change alittle bit of my statement for easier understanding... (ERROR DUE TO DIRECT MANDARIN TRANSLATION:p)

i wanted to say
"MOST ADMISSION WITH LIFE INSURANCE COMPANY MEDICAL CARDS DO NOT NEED DEPOSIT"
and for your info
Malaysia not only have six insurance company

Hi sorry for this noob question......My wife is currently on medication for high blood pressure and also diabetic.  Can I subscribe to any of the insurance company in Malaysia with pre-existing illness?  Can the insurance cover the pre-existing illness?  Anybody can assist me on this question?

well, be thankful we are in malaysia then! haha, but straight to the point, insurance in malaysia is still at its infancy stage, therefor the products and plans we get here are way better than those in other countries. for eg, not many countries have 36 diseases  coverage covered,in fact japan onli has one, cancer!

on to your topic in regards to ppl with old age,i feel for u, but after being in the business, it is managed the way it is becoz old ppl tend to get hospital visits more.one of the reasons i joined insurance is due to my experience when my grandma was sick ,the usual send to hospital vs save cost arguement came in, mind you she was close to 90 then. if insurance companies do not control their funds and manage their premiums well for old age, chances are when we reach our golden years, there wont be much for us to claim already!! insurance companies are not bankrolled by petronas u know. and you also have to look at the lifestyle led by the majority of ppl in that country.
in america, needles to say most of them are unhealthy. thats why insurance there is very messy. i have claims being rejected by my company b4 for my client, and that was due to my client not divulging that he has certain operation procedures done b4. so in that instances he understand why i cant make a claim for him. many reject cases we here about , we onli hear one side of the story. sometimes the ppl who buy medical policies are those who already have pre existing health conditions, try to get a medical card to ease their burden, but then get caught, so where else to go but blame la the insurance ppl.

on to your question on free medical, well, in malaysia we dont have to pay high taxes vs those countries that u just mentioned.
lets just use sg as example, over there they have policy which allows their employess to  contribute a certain % of their epf towards their future medical fund. meaning that they educate their ppl to prepare for their own funds already while they are young and still able to earn . difference in mindset helps. in malaysia, u try to do that and see the repercussions.

Kidzac, when you make a debate on my write up, you should focus on what i said and don't presumely assume and make your own assumption that drive the conversation to negative arguement. Please read up again what i said and we are here to discover for better health policy, better than what we had already and affordable for everyone. You have use the word exotic diseases and how many customers of yours have came across this term...lung fibrosis,cystic bronchiectasis and there are other term that determine the claim right . Ok than im sure Insurance company will bear the hospital cost of lodging and surgery of it but may i know if the insurance also includes the cost of

1) Organ Transplant
2) Consultants
3)Organ Transfer
4) Blood diffusion and transmission
5) Theraphy

HH,



As for now, i am now getting some picture of how certain people able to claim and some cannot due to the history of the diseases in the family. IF everyone would be honest to tell the insurance company that their family had cancer or heart stroke, i wonder if the insurance company will still accept this application?

Hackwire,

All your listed 1 to 5 is considered under surgical fees/procedure. But not buying organ. Buying organ shall be classified under critical illnesses.

And yes HH is right coz not all sicknesses can be listed out.

So now the question is, if all the above are covered under H&S plan, do you have sufficient H&S limit to cover this?

---

Added on May 24, 2010, 4:21 pm

If you are honest to disclose, there should not be any issues with this. What they want to see is let's say cancer and heart stroke for family members is their age when diagnosed. If diagnosed with these illnesses at old age, they will accept without exclusion. This is what i've experienced so far.

Hi,

I'm looking for Life, CI, PA and medical card insurance to top up my current insurance plan. I researched for some time now and got some products in my mind. But I would like to further understand about these products (or maybe you have better suggestion/comparison to it that I'm not aware of) before making the move. I would like to point out that I'm not expecting investment growth from the insurance products, I'm solely looking for protection.

Gender: Male
Age: 31
Smoke: NO
Health: Good, no claims before.
Owned insurance plan:
- Life, CI & PA -> from GE, cover up to RM100K.
- Medical card -> cover by my company, group policy from ING, family plan, RM42K per disability.

I'm pretty interested in the products shown below, please help to provide info, guidance or suggestion if you have better idea.
- Life, CI & PA -> Public Mutual, Mutual Life Plus 2, RM200K, premium is RM1100 per year.
- Medical card -> Allianz, EB MediShield Plus, RM50K per year, RM500K wholelife, standalone MC, premium is ~RM350 per year.

Questions I have:
1. We're required to fill in medical history of family members. My mum demised few years ago due to cancer (leukemia). Will I be rejected or imposed any loading due to this when applying for the products mentioned?

2. Mutual Life Plus 2 from Public Mutual seems a very good deal to me, generally higher protection and lower premium compared to ILP or regular products. Any risk/disadvantage that I'm not aware of?

3. Allianz EB MediShield Plus mentioned about guaranteed renewal up to age 80. I read from the forum that there are usually 2 years observing period before the policy is guranteed renewal, is this correct? Meaning if we only make claims after 2 years, then the Insurer (Allianz) will have the obligation to continue renew the policy until age 80, provided the premium is continuosly paid on time.

4. Any risk if we go for standalone medical card instead of medical card attached to ILP or regular life insurance policy?

I still do not understand why Insurance policy don't think this Sleep Apnea problem or Sleep Disorder is not claimable.

Read here: it has everything related to heart diseases . Is it too early for us to detect the cause and try to prevent major claim..So insurance only covers the bad one and hopeful that they get heart attack?

Come on lah... insurance guys are the honest people out there  but for once get real and ask yourself if you love to see sick patient???
http://www.home-remedies-for-you.com/remedy/Sleep-Apnea.html

The term “apnea” means without breath and sleep apnea is a disorder characterized by stopping or pausing breath during sleep. This is not a mild sleep disorder as longer pauses between breaths can lead to fatal consequences. Each pause in breathing spans between ten to twenty seconds or more but these pauses occur more than twenty to thirty times every hour.

Sleep apnea occurs because adequate air is unable to flow in to the lungs through the mouth or nose as one tries to breathe regularly causing a pause in the breathing activity. Normal breathing resumes with a sudden snort or choking sound but the oxygen levels in blood drop every time there is a pause in breathing.

Sleep apnea is broadly classified into two types: Central and Obstructive. Central sleep apnea is caused due to lack of effort in breathing regularly while Obstructive Sleep Apnea is caused due to a physical block in regular breathing despite effort.

If left untreated sleep apnea can cause: hypertension, stroke, irregular heart beat, heart failure or heart attack.

---

Added on June 11, 2010, 5:45 amLook at the quietness of all the agents. I will be astonish to see any great Insurance agents to give a good look of REALITY. I believe i just shit on your compound. " hopefully , they still mean what they mean... " I can help u"
[attachmentid=1621267]

Don't you guys should be celebrating the day when more diseases like severe sleep apnea, severe sinus, severe osteoporosis, severe slip disc can now be given early diagnose and claimable thus you can have more sales from it ? So why are you fellow so scare to even discuss with me?
haha... u guys makes this country insurance health care a bit like a phony fiesta to me..
sorry fellows. i see true colour and sorry to create a detour to your future bungalows, pretty model and mercedes benz dream.
Im outta here. u guys move on.

Hi Ronnie,

Thanks for the information, I like your professionalism, most of the agents I have talked to always recommend their own company plan without taking consideration of my requirements

For question #4, would you mind to list down some differences between standalone MC and those attached to ILP or regular policy? I'm not entirely reject ILP or regular policy, it just that i will need to know more about the differences before i commit to it. As i mentioned in earlier post, I already have some policy, and would like to seek best top up benefits.

Thanks for your time.

Allianz also has Prince Court in their panel hospitals now

Gavin,

I think you are not understanding the issue at hand. Why are u being defensive? Common man. Grow up. U aint a kid. All i said was read the terms n conditions before implying that all fine with a particular insurance. Its more of an advise to other consumers here based on my own experience. If i was an insurance agent, my response would be yes there are terms n conditions but you are most welcome to discuss these terms with me before we go further in our discussions. Rather than go to the extent of trying to make me look bad (which only worked the other way).

You dont have to give a long story as what u claim. It can be a simple 2 page dot point summary of the exclusions for critical illnesses. No big deal right?

And, did i mention anywhere about asking 1 agent to comment on another company's bad points? So dont assume.

I am refering to face to face discussions. Even with these discussions, no agent will ever list down the exclusions unless you specifically ask for them.

Of course im aware of the 15 day free look. Didnt u read wht i said? I said at that stage very few consumers will turn down the proposal because they have already gone thru the hassle of the discussions, medical check up, etc. They would prefer to just go ahead and get it.

Exclusions are not bad points. So please dont compare with an interview. Most insurance companies have the same exclusions with some plus n minusses. So dont turn it around and make silly comparisons.

U obviously do not have the maturity to deal with difficult consumer queries unlike some other agents here in this forum e.g Chew Ronnie. You just whine and cry when someone points out the no so good side of ING. If u dont appreciate negative comments then dont advertise your proposals here. Agents like you are the ones who give insurance companies a bad name. Accept constructive critisisms. Im not talking rubbish. Grow up while u still have the time.

Cheers!

any good standalone medical insurance? 27 years old, budget 500 a year, what i'm looking for :

1)A stand alone policy
2)Guaranteed renewability
3)Cashless
4)Advanced age coverage

thanks!

thanks, but how about allianz and prudential , do they have standalone product? Allianz one is EB Shield Standalone i suppose?

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!

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?

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.

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

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 ?

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.