Feb 1 2010, 02:56 AM
QUOTE(cenkudu @ Jan 26 2010, 01:10 PM)
this is not an individual plan, this is a plan for group hospitalization insurance meaning that provided by employer. PJusa, it is not default 20% of r&b. it has the combination of both co-insurance 10% and if we exceed our room entitlement (based on room rate not category) we need to pay 20% out of the medical bills. it works like this:
Hospital bill: RM 1000 our room entitlement is RM 100 but we stayed at room at the rate of RM 120.
r&b co insurance apply: we need to pay 20%= RM 200
because our co-insurance is 10%, we need to pay another 10% out of RM 800= RM 80
total co-insurance= RM 280
this is happen to my friend and forget the name of his insurance provider (not very famous)
you sure their calculation is like this? as over use of the medical card is posible for mosthly medical card. coz room & board different also = different medical charges. that's why you have to pay extra. coz your company buy the most lousy card which can stay in the cheapest room nia, try ask boss to upgrade atleast level 2 lor.Hospital bill: RM 1000 our room entitlement is RM 100 but we stayed at room at the rate of RM 120.
r&b co insurance apply: we need to pay 20%= RM 200
because our co-insurance is 10%, we need to pay another 10% out of RM 800= RM 80
total co-insurance= RM 280
this is happen to my friend and forget the name of his insurance provider (not very famous)
This post has been edited by QQstore88: Feb 1 2010, 02:56 AM
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