Hi all, It seems that we have a few insurance expert here.

Im just want to ask a few questions. Anyone can explain in detail the answers would be a very great help for the members in this thread who may just about to purchase or already purchase a medical card.

1. Who can define the term and purposes of having a medical coverage?

2. Why a client claim was advice 'pay and claim' when they already have a valid medical card?

3. What is 120 days SI? What are the illness? What other illness that could relate to SI?

4. How 20 % co-insurance calculated?

5. Why the agent said to me that my medical bills will be covered if i purchase a medical card but in the end my claim was rejected?

6. Client came to seek agent clarification on purchasing a medical card but agent only telling the client which plan is the best? they make comparison with other insurance company plan types, co-insurance, deductible. What do agent understand about the medical illness and which illness is coverable or not by the insurer?

7. How assure that the insurance will issue a GL/ LOG to the hospital for any admission?

8. How to make sure that every time i was admitted to a hospital, the insurer will issue a LG/LOG for me without any hassle or delay?

9. Which list of illness can be coverable in within 1st year policy?

10. Why hospital staff ask me to pay for a deposit eventhough they already received a LG/LOG?




I will be glad if there is someone who is an agent explain to me all the question above.