Sorry mfitri. I am from pru also like you. So, the story for Q1 is the same.

Q2:
As you said earlier, every case is unique and it is sometimes based on your luck on that particular case. Usually, we don't have problem in getting GL. 1-2 hour is average waiting time for a GL.

At first, I am also worried of getting GL. But now, depending on doctor first diagnosis, if normal case like high fever and the customer need urgent treatment to control the fever, and the customer policy status is good, I will advice the customer to admit first and pay deposit if required. Kinda a gamble but so far I don't have problem to get the GL. My priority is to ease the client burden as much as I can and get them good treatment to cure the illness.

In one case, I wait for more than 6 hours and no GL. And I found out, the doctor has not fill in the form. Very frustrated.

Just call PruHAS for any enquiry regarding the GL.

Q3:
Beside co-insurance, the customer also need to pay non-hospital services, such as registration fee. I don't know why hospital prefer to put this separately. Previously, the hospital also would like to charge laundry, thermos, separately from R&B charges. Then, if this item appear in the bill, it is not covered also.

Q4:
I agree with ronnie_chew. As long as the policy holder disclose everything, claim should not be an issue.

Hi,

I just want to ask your opinion. My mum is looking for insurance - general insurance to be exact where she can use the card for medical claim, etc.

she is now at 45 years old and which one is suitable for her? Honestly I have no idea where to start finding. I hope you guys can direct me with a few suggestion on the best policy for my mum.

thank you.

Any budget? And does your mum has any hypertension/ high cholestrol / diabetes?

And why general insurance??

This post has been edited by chew_ronnie: Mar 30 2010, 02:30 PM

I found this web site which give List of Medical Insurance in Malaysia. It give general overview but not so detail and I think some also out-dated. It was last updated 03/11/09. Please consult respective agent for details. We have few agents here.

There are also link about anything you want to know about medical insurance. I think most of us can found useful idea there.

Go back to your enquiry, I think most of us will recommend looking for guaranteed renewal medical policy because you can still use your medical card after you make any claim.

Personally, I will also recommend to buy a policy that can attached with something like PruPayor in Prudential which will waived your policy once you are diagnosed with a critical illness. This is good because at that time, you are unable to work and you need your medical card for your illness treatment. Other company also provide the same, but the name is different.

Get as much coverage you can get according to your budget. We will never know you might need it in the future. There are argument do we need high annual limit or high lifetime limit. Go find out what is the most likely risk you may get and how much is the treatment. Cancer and heart attack, I think among the most expensive treatment and it may cost more than 50k. And if you have budget, you may need a rider that can solve this annual vs lifetime limit. In Prudential you can choose annual limit waiver, meaning you may use all your lifetime limit (between 500k to 1.5 million) in a year.

Check also list of panel hospital and double check if your preferred hospital in the list. However, bare in your mind that list might be different in the future.

Please check about co-insurance/co-payment/deductible/excess. Different insurance company charge differently.

If you have time, go back to few posting earlier. I think this question has been answered few time. But feel free to ask any specific question that you might want to know further.

Bro. i my understanding for PruHealth Co-Insurance for out-patient is only 10% with max of RM2,000.

And then, it is better because there's no limit amount for that treatment. If you're afraid of high bills, then go for high coverage.

About the NCB, think on the bright side, So far only Prudential is doing that. Some of the competitors also have the co-insurance, however there's no return bonus yet. On the co-insurance matter, Pru still can be covered by some riders like HB (up to RM400 per day) or PruMed

any insurance agents here kindly intro urself n pm me....wud like to get some coverage..cheers..

do government servant need to have medical coverage? they entitled to get free medical at government hospital right

I remember Asia Life was the first company which launched this NCB product some 4 to 5 years ago.

I am thinking on what would happen when I go into a hospital. Sure, co-insurance only 10%, but be honest, who amongst us have the ability to spend RM1000 when you are discharged from the hospital? Wouldn't it be better not paying anything at all when you are discharged? The HB riders are not going to help you there, because the cheque arrives about 1 month AFTER you are discharged.

There is no bright side about the NCB. Have you compared the charged of PMM5 vs PruHealth? Have you looked at how much the premiums are? Premiums go up bro, but three upgrades in a year? One astute customer when I was presenting the charges commented, "So I pay you extra 10 ringgit a month to get this NCB? It means I pay you extra RM120 a year and you are only giving me back RM100? You untung RM20 lar."

Bravo dude,

I saw the insurance charge of PruHealth compared to PMM5, which is freaking high for PruHealth. So what u say is definitely true, u pay more to get the NCB. And the co-insurance limit is at RM2k instead of Rm1k for PMM5

Well said mfitri77. This only reinforces the fact that most medical cards out there are similarly packaged. Any additional fittings you need you pay extra as well.

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Added on April 1, 2010, 7:51 amIt depends on them as if they're satisfied with the services at government hospitals then perhaps no need to get one. However, should they feel private health care serves them better then best to get it.


This post has been edited by HHalphaomega: Apr 1 2010, 07:51 AM

How if the person is no longer a government servant? No more free medical?

The co-insurance is troublesome. But have you compared the insurance charges with other company? I am not boldly agree with Pru, but I think they put co-insurance so that the insurance charges is cheaper. Why we need to pay more when we are not using the benefit? Even though 1000 is quite much, but at least another 90% or more of the bill has been paid. I am not saying it is good to have credit card, but it help me in this co-insurance, and hopefully I will get the HB and PruMed in time to pay of the co-insurance. And we also always need to have our emergency fund to this kind of situation. At least with medical card, it helps a lot, even tough is not helping in full.

However, why there is a co-insurance? It is to ensure a genuine claim is made. We need to ensure our pool of fund is really uses by people that really need to be hospitalized. We do not want people to abuse our money.

Regarding pay extra 120 per year but get back 100. I think it depending with age. In some age, I found like that but with some other age and maybe with upgrading plan, you will get more.

Regarding HB, I think the cheque arrive after 1 month because the hospital is late sending medical report and claim to Pru. I experience getting the cheque within 2 week.

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Added on April 1, 2010, 12:34 pmCo-insurance limit 2k only for outpatiend. For hospitalization it is 1k.

They give some and take some

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Added on April 1, 2010, 12:51 pmI believe, they need it as an alternative. My wife is government servant.

I would like to share my experience. One night my son was keep vomiting, firstly each 1-2 hour, then every half an hour. I went to Hospital Putrajaya because it is nearest to my home. The doctor said my son condition is not critical, come back 2-3 days if the condition persist. Take note 2-3 DAYS. They gave a normal treatment for this case. After I go home, my son condition still like that. Then I go to KPJ Kajang, the doctor said this is serious and my son need to be warded. My son has no energy even before I go to Hospital Putrajaya. He was totally flat. When the nurse want to put IV at KPJ Kajang, he cannot struggle even though I know it was hurt. He was totally weak. My son was diagnosed with rotavirus which kill thousand children yearly because of de-hydration.

If I follow the government hospital's advice, I probably lost my son. Can you imagine I need to come back 2-3 DAYS, I don't think my son can survive next day.

Furthermore, to be admitted to government hospital, you must be seriously ill. For dengue cases (I got twice), it depend with which government hospital. In Putrajaya, you will be admitted if your platelet below 50. Others I heard below 20. Can you imagine, you have high fever (but not critical), but you still need to queue at the clinic everyday for blood test (of course the queue is so long, I experience this, I come at 8am, but I go home around 1pm everyday).

If you have a choice, be warded, the nurses will come to your bed everyday taking your blood while you are watching television, or queue from 8am to 1pm everyday, which will be your choice?

The 3 cases above turning my point from becoming a policy holder to insurance/takaful agent. (my first dengue experience with no warded, the 2nd was warded at SJMC)

This post has been edited by ajau: Apr 1 2010, 03:04 PM

Hi:
I'm Gavin Lim from ING. Instead of charging a co-insurance base on certain percentage (let say 10% for some insurance companies), ING medical card is charging a self-insured deductible of RM50 per hospital admission/day surgery. Therefore, no more worry about the high co-insurance expenses.
For more details, please reply to cheahyang_0@hotmail.com for inquiry. Thanks and hope to hear from you soon!

Yes no co-insurance. But then the lifetime limits so low @ 3 times annual limit? And the medical card cost just went up by 20% in Feb/March. How do you see this?

This post has been edited by chew_ronnie: Apr 1 2010, 02:59 PM

Ajau,

That's exactly it. I have compared charges from Pru against other companies. Unfortunately, Pru cost more than other insurers I have compared with. If you pay the same premium, and you get better benefits compared to Pru, what does that say about Pru?

BTW, I also compared the cash value return illustration. Again, Pru loses out here. Case in point, RM150 enough for 40 year old to get Prulink + Pruhealth + Standard Rider. Sure, can, sum assured RM20k. Critical illness 10k PA 20k and expect the person to pay until he dies, leaving RM20k?

Regarding the thing about bona fide claims, again, show of hands, who here thinks "Today, I saja-saja masuk hospital." People don't go to dentist until the pain in their teeth is just about killing them, people sometimes brush off signs of sickness and hope nothing is wrong. Hell, people sometimes don't want to do medical checkup, even if its free, fearing that they might find something.

If you need emergency fund even though you have medical card? What does that say about your medical card. Again, HB doesn't really help because you don't get it when you are discharged. You think the hospital would understand, Ok, we'll wait for the co-insurance fees when you get your HB benefit cheques.

Government Hospital vs Private Hospital

It never is about the hospitals, its all about the doctors. As I have told, about the kawasaki diesease thing, it took 9 days and a change of doctor to find out what's wrong with my client.

At the same time, my daugher, an infant, got better treatment at a government hospital (an eye specialist, shoutout here to Doctor M & K & G from GH Seremban) compared to a private one. Heck, our whole family got better treatment at the eye specialist of the government.

The problem is, you get people who became doctors not because of the profession, but because of the things attached to it. That's your problem, not better hospital or bad hospital, just better doctors and bad doctors.

Heck, have you heard of private hospitals pushing difficult births to the government hospital?

And we all hold medical cards. But when we seek treatment, we seek the best, not the best people tell you. Sure, there are plus and minuses to each side of the coin. I got my beef also with govt hospital, but sometimes, when I think back, I believe the experience was made to humble me and think about other people and how they fit in life.

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Added on April 1, 2010, 6:22 pmPart of retirement benefits.

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Added on April 1, 2010, 6:24 pmHow long before you could actually use the medical card, not pay first - Claim Later. Customer of mine kena kaw-kaw because of this.


This post has been edited by mfitri77: Apr 1 2010, 06:24 PM

Hi Chew_Ronnie:
I admit that RM450k lifetime limit may not seems to be high for some people. What can I say is every medical card has its advantages and disadvantages.
If you're afraid that your lifetime limit is not enough, you can have more than one medical card actually. Let say one day your ING medical card had run out of limit, you can use your other medical card. At least you had been saved some expenses for the first RM450K of your medical fees.
If you think that you might use more than RM500k for your medical fee, what is the disadvantage for having one more medical card? On the contrary, let say you don't think that you will spend more than RM500k of medical fee in your lifetime, why bother about the low lifetime limit?
The premium rate for ING medical card is not increased yet. Yes, ING will increase the premium rate, but other insurance companies will increase theirs as well. What's wrong with that?


Hi mfitri77,
I don't really understand what do you mean. Would you mind to elaborate?

Thats just for the sake of comparison. Overall ING card is good in every sense only the not so good part is on the lifetime limit.

I think mfitri77 is saying that customer can opt to change their ING cards to non-cashless - which his customer did and kena kaw kaw la.

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.

For medical cards, some have a certain waiting period before you could actually use the medical card. Before that, you have to pay first, then claim later.

E.G. Prudential

1st 90 days Pay First Claim Later (Although You Have Medical Card, you have to pay first)

This I got from a prospect who chose ING instead of Prudential (again, because of cost). She's now a bit angry because she found out that pay first clause works for the first 6 months (Not sure if this is true, but I'll check with her).

Sure, people say can claim, no problem one. Like my client however, they asked for everything including her neo-natal report and all. Guess what my client did? Tiau I kaw-kaw one la.

The claim later clause ok lah if your bill around 3k, but kalau kena pay first 15k? Like my client? Mana mau cari wang?