Yep just got her confirmation.. well.. i think its liddat.. haha..

Anyone know what is the oldest age for guarantee renewal on critical illness, PA and TBD? Mine is only like 65 years old. Anyone holding policy older than that and who is the insurer? Thanks.

any reason why most medical insurance doesn't cover dental surgery which but only due to accidents?

36 Critical Illness Guaranteed Renewal up to Age 99

46 Critical Illness Guaranteed Renewal up to Age 79

PA Max Entry Age 65 .... Max Cover up to Age 70

Total Permanent Disablement (TPD) Max Cover up to Age 70



PM me for Insurers

I've purchased plans from AXA and Tokio, PA coverage certainly > 70. Pls update your database.

latest & Greatest from AIA
max entry age 70 ....renew up to age 75
Got family package also

See other PA plans also, similar ages

http://www.aia.com.my/en/individuals/produ..._family_pa.html

---

Added on March 1, 2012, 2:49 pmThe insurance in Malaysia is a risk-rated insurance
Premiums are based on a probability of claim being made
As in any other business, the insurer must remain profitable
in order to continue doing business which forms part of the contribution
to community well-being


Community-rated insurance, on other hand, does not focus on profit
but on providing everyone health benefits. Available mostly in the West
Losses covered by government or similar body. Any dental care or optical care
is a CERTAINTY not a RISK ( insurer sure must pay). If you want cover, then
ALL policy-owners must pay higher premiums to fund SURE-CLAIM expenses
Example;- if all policyholders claim RM500/- per year for dental care ( because insurance paying),
then all must pay RM500/- per year EXTRA ( because sure claim)... You want?
I surely don't want!

I hope I explained reasonable well


This post has been edited by rekamaju: Mar 1 2012, 02:49 PM

Hi, i'm looking for medical card. can anyone send a quote?

I'm 3X year, casual smoker. Minimum requirement: -

Guarantee renewal , up to 75 or depends
CI Rider or other alternative rider ( waive prenium if unlucky)
Reasonable lifetime and annual limit
co or no co-insurance

For budget, 150 to 200 pm.

One question, i'm covered under master medical plan for employee. How do i can file a claim if really unlucky? As i understand, you may can claim only one from insurance or top-up from other company.

thanks in advance

See your PM


Attached thumbnail(s)

Pls drop me your particulars & email address. Will come back to you asap. Btw for your age & budget for RM200 you should be able to get a decent coverage.
For company medical, they usually have a limit to their employee, around 20K p.a for executive staff & will increase according to your position. I'll suggest claim from your company if it's below 10K & claim from personal insurance if the medical bill is very huge. You may claim from both if your limit is not enough.


This post has been edited by Colaboy: Mar 14 2012, 12:09 PM

Hello there, i don't got your PM.


UGPM. I see.

One hypothetical question here: if I have medical bill of 10k and I need to pay 10% Co-insurance. Can I claim for the 1k Co-insurance payment from another medical card that I have?

yes

From my experience if both card is from same company, should be no problem. Different insurer company might have some difficulty.

I have made claim for client, non-issue. As long as hospital produce invoices with itemized billing
and Final Payment shows difference, that difference can be claimed later "pay-first, claim-later".
If amount too large, then need to liaise with both insurers same time real time during hospital stay

how much is amount too large?

what about the 20% surcharge if stay in higher R&B rate, assuming the 2nd medical card covers higher R&B rate than the 1st one?

Difference can be RM10,000? Insurance ( your company insurance????) has inner limit where surgical claim is limited to RM10,000 but bill is RM20,000/-? ( Annual Limit of Medical Policy is RM50,000/-????)

20% surcharge is actually penalty. You have to decide which penalty you want to "enjoy". Room and board, follow
your medical card. You cannot transfer the "penalty" to higher card, you claim from higher card, until you are discharged
then you claim from 1st card



Actually, all these scenarios above are nowadays redundant

There are good & effective Medical Cards today which :-

- Do not have inner schedules ( internal limits, eg cover RM50,000 but surgery allowed only RM20,000)
- No compulsory co-insurance (10%, Min RM50/- Max RM2,000/-, etc)
- Higher & Guaranteed renewal age (Age 80)
- No co-payment (penalty) for room upgrade, only pay difference
- High Annual / Life-Time Limit ( 100K/600K ~ 200K/1.2M)
- Wider number of Panel Hospitals

The last thing you want to do is juggle through all these terms & limitations of policy when you are sick
No need to waste time, looking at "if like this" and "if like that"...... just "claim all / pay all".

See here for such a Medical Card
http://zurichmalaysia.wordpress.com/medical-card/

This post has been edited by rekamaju: Mar 15 2012, 02:24 PM

i would like to top up my insurance.

life, medical, PA

please PM me.

thank you

rekamaju, RM214 yearly is really cheap?
still exist?
which company is this?

It is a Value added benefit. Quite easy to accomplish main term & condition. Hint - Invest EPF maybe?

Which company? Sorry this info for my clients, my "cari makan". Hope you understand

This post has been edited by rekamaju: Mar 17 2012, 09:10 AM