I believe why most ppl say Pru prolicies are expensive, perhaps maybe most of PRU med card is attached to ILP. If this is the case of course it is anytime more expensive than any standalone medical card sold elsewhere.

this i agree, the 20% co-insurance on room upgrade will happen as soon as the room rate that you are staying is beyond what you are covered..I think it goes by the actual Rate, doesn't matter what category. A 2-room category may cost only 100 in GH, but it may cost 250 in a private hospital.. So, room cate can't be accurate.

I will practise this : Claim max from what the non-deductible policy(A), and when that's used up, can't claim anymore, i will go to my second policy which is the deductible one(B). It is a straightforward case to handle if B gives me ding-dong and runaround.

PJusa, likehouse Asia's plan? which ins company is this?

Hi,

a word of precaution.. again i think many consumers will get a wrong understanding that '''as long as someone is diagnosed with cancer, CI will reimburse ....".

Cancer, according to a policy contract (compare yours, it won't run too far from the extracts below);
-----
Cancer is defined as the uncontrollable growth and spread of malignant cells and the invasion and destruction of normal tissue for which major interventionist treatment or surgery (excluding endoscopic procedures alone) is considered necessary. The cancer must be confirmed by histological evidence of malignancy.

And the following conditions are EXCLUDED :
1. Carcinoma in situ including of the cervix;
2. Ductal Carcinoma in situ of the breast;
3. Papillary Carcinoma of the bladder & Stage 1 Prostate Cancer;
4. All skin cancers except malignant melanoma;
5. Stage 1 Hodgkin’s disease;
6. Tumors manifesting as complications of AIDS.
----

So , if one is diagnosed with stage 1 cancer, you won't get reimbursement , and if you are not having an medical insurance , you must have a deep pocket then...

So, kindly refrain from providing misleading info here.

sidetrack... This Viral infection seems to be quite 'Active' late with my daughter being one of the victim, and another friend's son getting the same.. All with the similar sympton that is even antibiotic doesn't help in bringing down the fever that is sporatic.

ya..indeed, the paed requested a x-ray to be taken on lung/chest , but everything seems to be normal.. sigh..so my dd had to take 2 different anti.b for 10 days to get the fever clear and she is ok now...It was sickening really.

..the total bill was about 3K (back in ipoh KPJ), i didn't bring my dd's med card so I paid on the spot first, now in the process of submitting the claim to my agent to get it settle.. And yes, i have to pay the doctor report for $50! Btw.,My DD's med card is from AIA.

i agree with mfitri77 about '''is all about doctor, not the hospital''...

on a side note.. as a consumer, my verdict about ING card (if the features are still the same as per mid-last year)

Good:
- Cancer and Dialysis AS charged - similar to allianze
- no co-insurance except the RM50 per admission

Bad
- Liftetime limit is quite low (but hey, have anyone thought about this..if the illness has to use up 450K lifetime or 150K p.a, isn't that serious and i think one probably already one foot stepping into the coffi..." ..
- Total period for Hospital Room and Board and Intensive Care Unit up to a maximum of sixty (60) days per disability) - Again, i think this is similar to Allianze ? someone to confirm...
- The highest room category is RM260 -- lowest ever found in the whole industry.. And I couldn't figure out whether co-insurance will kick-in if one has to stay in a room with a higher fees! If they do not impose any, then this good.
- There is this 'Alteration' clause which is quite scarely :

Alterations
The Company reserves the right to amend the terms and provisions of this Policy by giving 30 days¡¯ prior notice in writing by ordinary post to the Policy Owner¡¯s last known address in the Company¡¯s records, and such amendment will be applicable from the next renewal of this Policy. No alteration or endorsement to this Policy shall be valid unless authorised by the Company and such approval is endorsed thereon.


So any ING agent cares to share your experience?

I'm not against non-cashless. Even I have a medical card , i couldn't use it when my DD admitted becoz i didnt bring it along and the hospital isn't a panel. I have now passed all the claims responsibility to my agent, and let's see how long it takes to refund me back.. One has to be aware that ING Non-cashless card has about 30% premium discount over the cashless card.. which to me is a good since I don't have problem bearing the fees upfront usually.

hmm..looks like we have to watch out this 'pay first claim later' waiting period..

And Tks to chew_ronnie for correction..

Please do not comment on products that you are not representing..

For example, AIA med plan within an ILP will only incur co-insurance of 10% ONLY AFTER one has exceed the 'Co-insurance Free Amount per year". It is not ALWAYS APPLICABLE.

Now referring to my earlier email, this is my AIA claim record, I submitted my claim on 26th Mar to my agent and I've collected the cheque today.. slightly more than 2 weeks which I think the turnaround time is not bad at all. Just for everyone's reference.

Please quote which insurance plans of AXA or MAA that has total Nil Co-Insurance. Otherwise, your statement might be false based on what I know about them. They both have co-insurance kicks in when room is upgraded or exceeding the plan one has purchased.

And about the Doctor report. That's the form filled up by the doc for one to submit their claims.

most med cards require us to pay this RM50 to the doc who completes the form/report, the original copy goes to insurance co. for them to process your claim. Some doc may charge higher as far as I know...


And again, the logic of 'give peanuts get monkeys' applies.. Allianz is good, but expensive(lowest) based on the sum coverage per RM1 you paid. This is based on a comparison based on more than 10 med plans (all NON ILP related).

This post has been edited by numbertwo: Apr 19 2010, 10:35 AM

There is no difference between co-insurance and co-payment. What is more important to know for consumers like us is : when that kicks-in, you have to start sharing the BILL!

I was asking if you could name the plan of the AXA medical card. Here i'm quote AXA SmartCare Optimum:

If the Insured Person is hospitalized at a published Room & Board
rate and Room Category which is higher and better than his/her
eligible benefit, the Insured Person shall bear 20% of the other
eligible benefits described in the Schedule of Benefits.


So, if you know any of AXA medical plan that does not incur Copayment or Co-insurance, do alert us here..

My opinion is , if a card has a co-insurance, irregardless whether by default or only upon upgrade of room cat, we have to say 'It has a co-insurance' clause, no way we should tell client that it has no co-insurance becoz there is no co-payment.. hopefully u got my point too .

Yes, we can always max out the room category and purchase the highest, this is the way to have a peace of mind as nowadays, getting into a 2 bed-room in goverment hospital is also a problem!

Avoidable or not, is not something under your control. Go do a check on a regular private hospital let say during a pandemic, maybe at the children ward, you will be amazed what room categories are left...

So, unless your client has chosen the max room&board plan, otherwise please tell your client AXA is not totally free from co-insurance, tat's the point i want to emphasize.

No one says co-insurance is a bad thing in the industry, it has its reasons why it should exists. I'm just questioning the likes of ppl claiming certain policies are 'co-insurance' free when it is not entirely true. Have a good read again what I posted. Cheers

I should not rise an alarm here becoz i don't know abt Pru's ILP. But in general, all ILP has a band/table that says the percentage of your premium that is allocated to buy into funds each year, and it is on incremental basis ie. from 30% - 40% on first year up until 90% (or even 100%) on 7th or 8th year. Clarify this before making this statement. Cheers.

It looks the same as how the other ILPs from other company is running , only difference is the skeleton where Pru split it into 3 accounts. Thanks for sharing.

Hi All,

Has anyone notice ING's I.Maxcare top-up plan yet?

Based on my calculation it gives us the highest coverage per RM we paid. The things that are unknown is whether it is guaranteed renewable and whether it is on portfolio loading. And i'm not sure if there is a co-insurance if room rate exceeds.. If any ING here can clarify?

ie. room $260 / renewable up to age 79 / 20Kdeductible but reduce to 4K after age 54 / Dialysis limit based on perannum basis of 40K / Cancel P.Annum 80K / pre-post treatment as charged / organ transplant 100K / Yearly limit 500K / lifetime 1.5Mil.

not true. There are many medical cards out there which we are assured of 'guaranteed renewal'.. Study more about what the current market can offer. We have discussed about this topic many times here in this forum/thread.