Can anyone advise me wheter ING and Manulife medical card advantage n disadvantage

im 25 years old .

ING infor http://www.insured-life.com/insurance/heal...ce-premium.html
Manulife = my gf bought this .

So ING side is buy from friend which is keep persuade me buy all in 1 but i don have so much money , don feel like forcing myself too hard , so i end up DECIDE oni buy MC. ( not pro and still new less than 1 year )

Manulife side , my gf relative is agent and quite experienced by the way she talk .


Anyone can give comments and advise ?

Regards

This post has been edited by AhPinG: Mar 10 2010, 01:22 AM

prefer more advise rather than stating which 1 to buy o.o
well personally i think oni buy from this 2 . and i oni need MC

Yeah its on budget so i took MC instead of the whole plan .

In future if i got money , i buy savings plans . is it worth ?

or do i really need to force myself so hard atm =.=

so u meant choosing oni MC is better than those package .

H&S means Health and Safety ?

by any circumtance , i think 500-600 for a mc (annual) still ok la .
but if package , 1.4k- 2.4k (annual) i really need to think bout it .

If i choose oni MC and decide in future wheter wan to to buy savings plan , can bo ?

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Added on March 10, 2010, 10:57 amhuh ?
u meant other company if admitted to hospital . if the total bill is 5000 , we need to pay 500 first then oni claim ah .


This post has been edited by AhPinG: Mar 10 2010, 10:57 AM

i think i choose ING since alot ppl saying those priv hosp luv ING rather than ours .

Plus im going to take the ING Med Plan 2 . i don see any difference between ING and manulife other than ING annual = 100k , manulife = 120k . total whole life is the same at 300k .

On the side note , my friend (agent) says he will "sia sui" ( memalukan) if he oni sell Med Card . what does this mean .
he earn less if im not buying package ?
anyone know how they earning -.- was wondering how could he saying that in front of ppl .

i think the same also but he keep stating a point which interest me ,
he saying if in future i buy savings plan for 15 years , after deduct my stand alone MC expense . it wont be much as the package he offered o.o

is it so important that they need to sell in package other than stand alone ?
whats so sia sui if ppl oni buying MC from him .

so buying MC + life insurance without returns is better right ,
those invest / savings i can buy in future

ive decided to buy oni medical card at this time .

i prefer ING so hope my friend don talk so much and layan me those MC oni . if he proceed don wan do any shit and keep push me others . ill straight decline everything and go for Manulife MC . -.-

yeah im thinking of that too .
at least i have a medical card .

regarding others , i wish i can have too but wait till i have enuff income .
getting paid at 1.8k is too low T.T


My friend intro below plan for me ,
he says will recover my MC in future , what i want to know guys , is if i buy oni MC card now . and maybe 2 years later i only buy other plan .
will i lose alot or totally not worth it ?

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Added on March 11, 2010, 9:45 pm

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Added on March 11, 2010, 9:49 pm

This post has been edited by AhPinG: Mar 11 2010, 09:49 PM

er what u meant if i get another plan without savings , after certain years , i can get back on the the amount i pay on prem .

i heard your all 4 but sorry can i know what is GI insurance .

Just wanted to know the truth , any ING agent here ?

ok deal im back to buying Medical Card only . so since my gf buying manulife standalone , others all standalone . she pay first 2 months by cash .
then following months all deduct from her bank account .

is it ING does not have this and need to pay annually ? or is it he doesnt want me to do so ?

because below is what he said :-
Can i pay for u yearly 1st?total amount is rm597. u can pay back to me when u are convenient. coz cant pay monthly for medical card. and once i summmit the form ur protection will start. ok?

( i have no idea why the heck i posted out all , it seems like i doesnt trust him as a friend at all ) =.=

ok understood

Another question to be ask ,
u guys thinks i shud take the cashless or non cashless . different around RM150 -.-

yeah i already decide i take oni Medical Card but the ING medical card got cashless or non cashless .

anyone give opinion which i shud take ? different RM150 a year .
having a card better or don need the card. =.=

guessing he will help me submit and pursue the claims but need to talk with him about this first .

2nd should be using the credit card first ? can ?

ING Medical Expenses

So the link shows the pay .

im 25 years old and smoke .

so normally at RM 597 right ?
now he say he discount me RM100 . so i oni need to pay RM 497
wa , they earn so much o o.O