I think there is no limit for medical coverage provided by my company only there is a limited coverage as follows:

1)Room rate at RM120 per night.However, i can increase it every year up to RM300 per night if i want.This will deductible from my salary.
2)Can't claim for complicated dental treatment such as bridge, and dental surgery.

Otherwise,is ok.we have our one panel clinic and hospital to choose such as Ampang Puteri,Tawakal,Gleaneagles and etc.

I has been hospitalized before for accident and all the treatment has been covered by my company.So,should i buy medical insurance now or buy it after retirement.Even the premium is higher, long term i think i will still save compare start paying now .

@Thanks Ronnie, and All. So, why would one need insurance? For saving money purpose, why not just save into bank WITH STRONG WILL and gain interests or invest in some other ways than insurance? Dont try to beat me with ways of investment elsewhere, Im into finance.

The above case 1 of two young newly wed is my friend's, not me. Im trying to guide him what would work best for him.  So, in short, why would one need insurance if
1) he doesnt care if he gets one of the 36C and died without money to try helping himself (protection)
2) he doesnt need it for investment

Does he still need it now?

Case 2 - I personally do not buy any insurance for anything, except for investment purpose, that i get certain % of return after certain years. Eg, $x will get y% of return after z years.  If you have of these products, let me know.

@Eric
No im not going to call you now n would really like to get as much info from this thread as possible.  But i like your post, it is interesting.

Hi, does anyone here is HLA medical holder? Any comments (good/bad)? I'm considering to buy HLA or Allianz but .......Pls give some of your experience....

Hi, as i know now GE medical card which combination with investment link 1 called Smart Medic offer the best medical card in town.
Here are some other important elements in medical coverage that you should concerned about when u buy medical card:
1) Pre-hospitalization and post-hospitalization claims.
2) Limit payable for outpatient treatment; for accident, cancer and kidney dialysis respectively.
3) Room & board and ICU maximum days of coverage.
4) Annual limit & lifetime limit.

GE smart medic Room150;
i)Hospital room & board ( maximum, up to 180days )
ii)ICU (Per day up to 180 days)
iii)Emergency Accident outpatient treatment ( maximum 30days from date of accident ) - RM3000/ annual.
iv)Overall annual limit - RM90000 ( Increase to the initial overall annual limit -RM9000 )
v)Lifetime limit - RM720000

So, can i know out there still got any medical card which offer better than GE?
Thx for sharing 

Hi, I'm interested on this plan too. Would like to check which company of this? Thanks.

By the way, anyone of here can advise whether Medical Insurance should put in ILP or traditional plan? Any comemnts?
Thank you.

after reading all thread, here by i need advice on my insurance coverage:

My Profile:
Age: 33
Sex : Male
Smokng : No
Health : Okie n no operation yet since born
Budget : For 36CI only from 100-150.

Currently:
Company Group Insurance from ING
- Medical cap at annual 50K
- If Death 26x monthly salary
- Almost cover all cost of hospitalization as long as does not exceed the annual cap
- Note: It does not cover CI at all.

P.A
- 300K for self and Family, Rm550 Per year

Endowment
- RM52K for Death
- Current value is 30K

Child 1
- Medical Card, ILP type RM100 per month
- With Payer Rider

Child 2
- Endownment RM30K
- With Payer Rider

If you can see, i am definately lacking of 36CI coverage and life too. Have being approaching GE/AIA/PRU/Allianz agent, all of them provided me with the quote. Actaully too many quote that i am "blur' now.

Below is couple of question i have:
- Is it better to have 36CI as standalone or as rider in Life Policy(ILP or Whole Life)?
- My family is currently insured by company group insurance, yearly rm 300++ with the above coverage, should i
  get a additional medical card for my family now or later if i resign..?
- Some agent told me 36CI with term policy , does not give you return but Whole life non-par did? The former is 
  definately cheaper as no return, and later will give you back what you paid plus minor interest.
- Pru Multiple Crisis offer 2x claim on 36CI, what do you guy think of this one.

Insurance Agent: Pls dun advice me on getting life policy as i am looking into CI/Medical Card only. No offend yea!

Thx

You may want to check your fact. For H1N1, quite  a few  private hospitals have been designated to treat H1N1

These are suspected cases, not confirmed case. There have been confirm cases treated at the private hospitals and passed away subsequently. Previously in the case of SARS, no private hospital is allowed to treat.

Do not understand what you meant.

Good to know that Pru and many other insurers now declare they cover H1N1, but the fact remains that they have a clause to exclude Communicable Diseases  requiring quarantine at their disposal, while some insurers do not have such clause. As such every time there is disease such as H1N1, policyholders are at uncertainty if they are protected by their medical plan. The peace of mind is not there .