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.

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.

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

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."

Yes i agree on the price differences (PH is higher than PMM5). However, that's only an option to client. Either they upgrade or maintain the PMM5.

Not sure about Allianz, but Pru R&B 120 days, however ICU only 30 days.

Again, be very carefull if you kena something major.

For ING did some checking, please confirm that ICU Charges capped at RM300?

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?

Hi:
Thanks for your reply.
The waiting period for ING medical card is 3 months. Any insurance company has no waiting period?
The possibility to claim RM15k within the first 3 month is not high I think. There're still quite a number of illnesses still under 120 days exclusion, isn't it?

Hi:
Thanks for your reply.
The waiting period for ING medical card is 3 months. Any insurance company has no waiting period?
The possibility to claim RM15k within the first 3 month is not high I think. There're still quite a number of illnesses still under 120 days exclusion, isn't it?

Hi AIA agent here.
For AIA Medical card, the waiting period as below.
1. 120 days for tonsils, adenoids, hernia or a disease related to the female generative organs.
2. 60 days for out-patient cancer treatment.
3. 30 days for out-patient kidney dialysis and for all other illnesses.

Diff company have diff waiting period. Some cust doesnt realize this important factor. 

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.

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Added on April 3, 2010, 4:15 pm
Any Allianz agent here to confirm this is true? If it's true that Allianz medical card can be used immediately, then good news lah. My agency manager told me all medical cards have this waiting period because they have to wait the panel hospitals to update their system. I don't know if it's true so I'm asking here lor. Thanks for telling me.

*cut*

Hi again.

I'm paying monthly of RM150 to Manulife Wizard Investment-Linked plan.
Been doing for already 6 years.
I want to ask if touchwood I got illness like cancer and the fees will cost me like make it around 100,000. How much can my insurance plan cover me? Full or just half or even worse quarter of the amount? zzz

Details of this year is:

Life Premiums = RM 1,194.03
Life with Critical Illness Cover = 0.00
Accident Riders = 0.00
Medical Hospitalization Cover = 254.50
Medical Critical Illness Cover = 51.47
etc all 0.00

then total is 1,500.00 i think got 2 month skipped my credit card couldn't go thru that's why 1,500.00 but i tot they will re-charge my card @@

my current insurance agent is not likely gonna service me as she seem to be the very busiest agent in history zzz. can i call manulife and change agent instead?

I look at it like this plan concentrates on life. Medical card is the lowest package and the Critical Illness only covers 15K to 20K. This is judged from the premiums u are paying. Looking at this, if cancer needs RM100k (which I doubt is so little) then this policy cant help much.

U can change agent - u have to write a letter to Manulife and complain saying that this agent of yours is not servicing you well and request to change agent.

thanks. i see the surrender value by this year is around 2,500. means if i want to cancel this insurance, i only get rm2,500 back only?

thanks. i see the surrender value by this year is around 2,500. means if i want to cancel this insurance, i only get rm2,500 back only?

For health insurance, are you required to submit a recent medical report nowadays? Last time I remember buying my insurance(about 7 years ago) I was never asked for any medical report. Due to my old policy being quite weak I've been thinking about switching to ING. I've been talking to this ING agent and he told me nowadays a medical report is required by most insurance company when you want to buy health insurance. My last medical checkup was done like 5 years ago and everything was fine, and I've never claimed my old insurance before, so I don't know why this guy is being such a hardass about this, or is this standard procedure now?

I've made a dumb mistake by cancelling my old insurance before picking up a new one, now I'm really regretting it. Cause if medical report is required and it picks up something, I'll get hit by exclusions and my premium is going to go through the roof? Although chances of that happening is low and I think i'm perfectly healthy, what do you guys think is the best way to go about this?

Hi:
Thanks for your reply. The waiting period you mean here is for the exclusions/limitations of coverage isn't it?
The waiting period I mentioned in my last post is refer to the period where the medical card holder has to pay first and claim later, even if it's cashless card. Sorry if I didn't make myself clear.

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Added on April 3, 2010, 4:15 pm
Any Allianz agent here to confirm this is true? If it's true that Allianz medical card can be used immediately, then good news lah. My agency manager told me all medical cards have this waiting period because they have to wait the panel hospitals to update their system. I don't know if it's true so I'm asking here lor. Thanks for telling me.

Go back to your customer case. You mean her ING Medical Card pay first clause works for 6 months? Does ING giving her any reason? Standard customers are all 3 months, black and white written in the policy book. Did she asked her servicing agent from ING, why she have to wait for so long? ING will not extend the pay first clause without giving her a valid reason. Should refer back the policy book to see what's the reason.

I feel sorry for you coz you kena tiau kaw-kaw. Not your problem isn't it? She should refer back to the servicing agent from ING and tiau him kaw-kaw.

Thanks everyone for sharing ya!

guys if on average i want to buy an insurance that can cover a critical illness let say like 100k-200k what monthly payment would that be average? and the plan is it same like investment linked you will get back what you paid when time mature?

thanks