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Guys, my friend got this in an email? Anyone knows what's this?

i just called my agent and found out that my current medicare policy is junk, it is not guarantee renewable. i think i'm gonna drop it and get a new policy. wish i did some research back then as i was only 22 when i bought mine and didn't care too much about the details.

anyway, i've decided i want the Tokio Marine Medic Plus addon, what would be a good primary medical insurance with guarantee renewal to go with that?

i've seen PJusa recommend AXA but i just read their policy and it has this:

Alterations

"The Company reserves the right to amend the terms and provisions
of this Policy by giving a thirty (30) day prior notice in writing by
ordinary post to the 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 to this Policy shall be valid
unless Authorized by the Company and such approval is endorsed
thereon. The Insurer should give thirty (30) days prior written notice
to the Policyholder according to the last recorded address for any
alterations made."

which i'm not entirely sure what it means, but it seems like they can change your policy anytime they want.
also for AXA, could anyone explain what "limit per disability" is?

Also, one question about insurance with deductibles, can you use another insurance to cover a deductible? lets say you have 2 insurance, insurance A and insurance B, and insurance B has a $5000 deductible before they'll start cover. Can you use insurance A for the $5000 and then switch to insurance B to cover the rest of the bill?

thanks.

Guys, my friend got this in an email? Anyone knows what's this?

Company medical coverage is company coverage. You work for the company, the company insurance coverage will protect you. And the company's coverage are private limited. Just offer some basic coverage.
Each person shud have their own medical coverage. As it will follow you your whole life. If you are retrench or retired, company coverage will say good bye to you but luckily you still got your own medical coverage. So anything happen, you still have your own coverage.
If you think company's coverage is enough, den you shud think twice. If you have critical illness like cancer, first time treatment, company insurance will covered it. But you still nt yt fully healed that lead to you unable to contribute to the company den will lead to you losing the job. This time big problem comes up. Follow-up treatment, consultation fees, medicine all need a bulk of money. But you don't have job (means company insurance also gone). This time around, you will think back and regret on y you didn't get another backup plan.
So my opinion is, no matter how much your company's insurance cover you, it won't follow you forever. Get a backup plan, no matter how much the coverage at least it will follow you till the end of your life journey

This is what I found from Tokio Marine Medic Plus Pro website:
"Medic Plus is designed to complement and provide protection as a secondary level of cover to the Hospitalisation & Surgical Insurance that you may have purchased or where you are covered by a policy arranged by your employer"

What I understand, this product is an top-up, meaning if your current medical insurance benefit (usually arranged by your employer) is exhausted, you can use TM to cover the remaining hospital bill. And of course the premium is very cheap because it has quite high deductible (RM 10,000). Maybe PJusa can correct this, seems he is very expert in medical insurance.

Case 1.
Operation costs: RM50,000
Primary insurance: RM100,000 annual, no-life limit.
Add-on: TM Medic Plus.

So in this case TM cannot be claimed at all am i right?
Case 2.
Operation costs: RM50,000.

Primary insurance: Annual limit RM0 (exhausted).
Add-on: TM Medic Plus.

For this case, TM can be claimed but we have to pay RM10,000 first for the deductible before they'll pay the rest?

yea Tokio Marine Medic Plus is a top-up, which is why i'm also looking for a primary health insurance. TM as an add-on, i'm not really sure what's the criteria to start claiming this insurance besides the RM10,000 deductible. Do we also have to have exhausted our primary insurance(annual/life or whatever limit) before TM will kick-in?
Lets say,

Case 1.
Operation costs: RM50,000.

Primary insurance: RM100,000 annual, no-life limit.
Add-on: TM Medic Plus.

So in this case TM cannot be claimed at all am i right?
Case 2.
Operation costs: RM50,000.

Primary insurance: Annual limit RM0 (exhausted).
Add-on: TM Medic Plus.

For this case, TM can be claimed but we have to pay RM10,000 first for the deductible before they'll pay the rest?

I believe you are right in both cases. But let's say this scenario:
Operation cost: RM80k
Primary Insurance: Annual RM50k
Add on: TM Medic Plus

You will use RM50k from your primary insurance, the remaining 30k, I am not sure if TM Medic will pay full or you still need to pay RM10k first, and RM20 will pay by TM.

From my understanding, if your operation cost 80K, and your primary medical card annual is 50K, if the MC gt offer co-insurance like 10%, means da exceed 30K , the insured only need to pay 10% from the exceed value RM 30K , which mean the insurance comp will bear the extra 27K while you only use 3K for a 80K operation.
so

Operation cost: RM80k
Primary Insurance: Annual RM50k
Co-insurance : 10%

Total amount need to pay : RM 3K

This is how AIA medic card works. Correct me if I'm wrong.

I think there is mis-understanding. Actually rockets asking about TM Medic Plus deductible term but I give further scenario what happened the total bill exceeding the annual limit and will TM pay the remaining balance, because it has deductible of RM10k.

But, I am wondering in AIA, if you exceed your annual limit of RM50k, AIA still pay the remaining RM30k and the insured only pay 10% co-insurance (RM3k)

In Prudential and PruBSN Takaful, you don't have to worry about you exceeding your annual limit. You can opt Annual Limit waiver. Meaning Prudential / PruBSN will pay the total bill (subject to co-insurance), as long as the bill within life time limit. You can choose life time limit between RM500k - RM1.5million.

Easy to say, you don't have to worry about having 2nd medical card, in case the annual limit is not enough. And it will be easy to maintain too because you only need to maintain one card. And you can attached with CI, so if you suffer 36 critical illness, you do not need to pay for premium but you still have the medical coverage (and other benefit too if any). And the medical card is guaranteed renewal.

insurance noob here, i want to ask if i already have critical illness and personal accident coverage, do i steel need to have medical cards coz i think that if i admitted most of it will be due to critical illness or accident so i can claim from the insurance company to pay, so do i still need medical card, the premium quite expensive, prefer not to have it

Hi Molotov Cocktail,

Critical Illness coverage activated when you are diagnosed with any 36 critical illnesses. Meanwhile, PA offer medical reimbursement, TDP coverage and accidental death. Both of this will terminated, if any critical illness or accident happen and reimbursement are given.

Meanwhile, medical card offer you hospitalisation benefit,post-hospitalisation benefit, pre-hospitalization benefit, treatment benefit such as kidney dialysis or cancer treatment and many more.

So the scenerio is like this,
If MR A own a CI and PA only.
He diagnose with cancer. CI will reimburse him and therefore the coverage are terminated.
If MR A purchase a RM 100K CI, he will get 100K reimbursement.
hospitalisation, treatment, medicine cost wil be deducted from 100K. So when the 100K used up, where does MR.A get the money for follow-up treatment ?

But if MR A own a MC+ CI, he still get reimbursement of 100K. And the hospitalisation fees, treatment fees are covered by your medical card(subjected to how much MR.A's medical card coverage).Follow up treatment wont be a problem as MC can be used.

thank for the explainantion waiyeap, got other question, if im diagnosed with certain critical illness, can i apply for medical card after being diagnosed, so if i dont want to have medical card i can choose to have high sum of CI coverage, bcoz i think the premium is cheaper to increase coverage for CI compared to medical card

thank for the explainantion waiyeap, got other question, if im diagnosed with certain critical illness, can i apply for medical card after being diagnosed, so if i dont want to have medical card i can choose to have high sum of CI coverage, bcoz i think the premium is cheaper to increase coverage for CI compared to medical card

thank for the explainantion waiyeap, got other question, if im diagnosed with certain critical illness, can i apply for medical card after being diagnosed, so if i dont want to have medical card i can choose to have high sum of CI coverage, bcoz i think the premium is cheaper to increase coverage for CI compared to medical card