Thanks, my wife happened to meet an agent from AIA claiming that their medical card is lifetime unlimited. While almost all insurance companies all have lifetime limit. Does anybody know what are the hidden things that lay behind, as i truely don't think their actuaries will come out something like that. Thanks for sharing!

Since u buy pruhealth i wan ask something.

They say the premium is fix for example when u enter it at 23yr old(RM 1726) then even when u at 51 yr old(RM4582) u also pay RM1726.

Can i believe the agent?

But i don't feel the way as they told me.

Below is what i feel is correct,

If you want to maintain pay RM1726 when u are 51 yr old then the balance RM2586 (RM4582 - RM1726 =RM2586 ) will be deduct from ur unit trust.

Is my thinking correct?
http://flare.me/images/qniortmx.jpg

Most company is what company name?

So i need to ask to check out the insurance cost per year such as this?

http://flare.me/images/kjkgn0z1.png

We university students don't usually buy MC, as our university has provided us with insurance coverage. RM 12 per year.

In Malaysia, health insurance is often mistaken as medical expense insurance, such as hospitalisation and surgical insurance or clinical (out-patient) treatment insurance.

While medical expense insurance is a type of health insurance, there are other types of health insurance such as critical illnesses insurance and disability income insurance.

Medical expenses insurance plans are sometimes extended to include dental, maternity, prescription drugs and vision care.

What I'm looking is to explore the options for Hospitalisation and surgical insurance especially to cater for my need after I retired which is 9 years from now.

This is by far the most common type of health insurance available in Malaysia. It is designed to provide for the insured person's expenses in seeking in-hospital treatment or surgery.

Typically, this plan will provide for room and board, use of an intensive care unit, hospital supplies and services, pre- hospitalization consultation and diagnosis, surgeon fees, anaesthetist fees, operating theatre fees, in-hospital physician fees, post-hospitalisation follow-up and ambulance fees. Most policies are now extended to provide a limited amount of cover for outpatient treatment of injury due to accidents and daily cash allowance for government hospitals.

Can I get an insurance for medical only at RM100/month for my new born baby?

Dear All LYN member,

I have a question to ask in relation to the medical claim.  Hopefully someone can help me on this. Many thanks in advance. 

The situation is like this.....

My mum just admitted to the hospital recently and i was informed tat we can't use her medical card for the admission & hence have to pay our own for the deposit 1st. The reason given by the Insurance Co. is because my mum who diagnosed with "Bone Thorn" (direct translate from Cantonese as i dun know what exactly its called in medical term  ) is still under investigation for the validity of the claim as they suspect the disease actually occurred prior to the date we bought for her insurance which is in December 2010. Therefore is not under the coverage.

However, my mum actually went for medical check up b4 she got her approval for the insurance policy and she had never suffered from this disease b4.

Really appreciate anyone fr the LYN member can give some advise to me on this. My current agent just tell me submit the necessary document n to wait for the outcome i.e. whether can claim or not.... 

A former colleague of mine, who has 2 PA policies from 2 different insurers (I won't name the companies), was crippled in an accident.

He experienced great difficulty claiming the money from both insurers .....  Imagine a crippled man given the roundabout, being told everytime the boss was not in, etc.

One (the one with the lower coverage) finally paid after more than a year, the other is still giving excuses.
I believe insurance is necessary, but remember it is a business, not charity. I also believe one should not overpay. My coverage is pretty comprehensive ..... medical insurance, CI, PA ... yet it is less than RM100 per month.

what does medical card covers ?

noob here.