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 =.=

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 am
huh ?
u meant other company if admitted to hospital . if the total bill is 5000 , we need to pay 500 first then oni claim ah .

Always remember to stick to your budgeted amount and don't force it on you. You'll end up wasting your money if you eventually let it go due to cash constraint.

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 .

While everyone needs to have a good coverage for insurance it must also fit your budget hence don't buy into something because your agent is pushing it hard to you as YOU're PAYING for it.

However, provided your budget permits it, the only advantage I can see if you purchase the investment link plan with medical card is the ability to add on the a rider to waive your future premiums should you be diagnosed with CI. This isn't normally available with standalone medical plans.

just want to clear my doubt.

ILP is protection+investment, right?
investment may be gain or loss? or the insurance company will at least maintain a minimum %?

the investment is non guarantee, is it?
or it's consists of guarantee+non guarantee value?

Without savings means, you'll get protection for CI but without any returns at least non guaranteed ones.

just wondering if anyone could help me with this:

currently i'm on a plan that offers lifetime-limit of rm20,000 each on outpatient "cancer treatment" and "kidney dialysis". it this too low or is it good enough? how much do these treatment usually cost and do we need to do it ofhen? cause if they're expensive i might consider buying some add-on's to make sure i'm well covered in the case when i really do need it.

I'm not insurance agent but if not mistaken, 60 years old still can get medical card. It was based on age nearest birthday. Is ur parent pass their 60th birthday? If not, still able to get.

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 ) =.=

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

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 ?

I believe you are right in both cases. But let's say this scenario:
Operation cost: RM80k
Primary Insurance: Annual RM50k
Add on: TM Medic Plus

You will use RM50k from your primary insurance, the remaining 30k, I am not sure if TM Medic will pay full or you still need to pay RM10k first, and RM20 will pay by TM.

I think there is mis-understanding. Actually rockets asking about TM Medic Plus deductible term but I give further scenario what happened the total bill exceeding the annual limit and will TM pay the remaining balance, because it has deductible of RM10k.

But, I am wondering in AIA, if you exceed your annual limit of RM50k, AIA still pay the remaining RM30k and the insured only pay 10% co-insurance (RM3k)

In Prudential and PruBSN Takaful, you don't have to worry about you exceeding your annual limit. You can opt Annual Limit waiver. Meaning Prudential / PruBSN will pay the total bill (subject to co-insurance), as long as the bill within life time limit. You can choose life time limit between RM500k - RM1.5million.

Easy to say, you don't have to worry about having 2nd medical card, in case the annual limit is not enough. And it will be easy to maintain too because you only need to maintain one card. And you can attached with CI, so if you suffer 36 critical illness, you do not need to pay for premium but you still have the medical coverage (and other benefit too if any). And the medical card is guaranteed renewal.

insurance noob here, i want to ask if i already have critical illness and personal accident coverage, do i steel need to have medical cards coz i think that if i admitted most of it will be due to critical illness or accident so i can claim from the insurance company to pay, so do i still need medical card, the premium quite expensive, prefer not to have it

Yup, you are absolutely correct about the basic of co-insurance. But different company has different term.

Even though the co-insurance is 10% or 20%, some has a minimum and maximum the insured need to pay.

In some company, co-insurance only apply if you stay in a room that exceeding your room's entitlement, and you need to pay 10% or 20% of the remaining bill plus the different rate for the room.
As example, your room entitlement is RM100 but you stay in a room cost RM120
Your hospital bill is RM10,000
You stay 3 days
The co-insurance you might need to pay: 10% x (RM10,000 - RM360) = RM 964
And you still need to pay RM60 for the room differences

And some company also charge 10% from total bill if you stay in a room exceeding your entitlement.

Please bare in mind that, the room's rate can be increased over the time. Last time when I stay in double bed KPJ Kajang, it was RM90 per day in 2006. Last year in 2009, when my son admitted there, it was RM 120. Please imagine how much will the room rate in 20 years from now.

Please read the product broucher and policy to know your co-insurance charges. Usually, there is a co-insurance for any medical card.

Ajau,

Reasonable and customary charges is based on the 2006 Regulations for PrivateHealthcare and services - meaning there is a limit set for an injury or treatment say Dengue fever (cost RM 8000 in the regulation) and if the hosp would to charge RM 10K, then the insurer will only borne RM 8000 and the remaining RM 2000 the policyholder has to pay. I believe all medical cards are based on this guideline to get rid of those money minded doctors.

I'm suprised that you are a Pru agent and you don't notice this customary charges in your Pru policy which makes me feel that you don't understand your products. I'm actually holding a Pru policy with me that says all benefits are subjected to reasonable and customary charges.

Thanks.

I just want to check with you guys and share information. I am not here to offend anybody and I think my involvement only to provide information and up to people out there to choose which product are best for them. I never said Pru is the best but so far what Pru had is best suit me and I foresee it will suit for me in the future. Everybody need is different and nothing in this world can be best for everybody in this world.

I am also here to educate people, you should have insurance, regardless with which company and I am happy to share my experience so that I hope no one will experience my bad experience. Even though you hold lots of policy and broucher with you, it doesn't mean you are the best. There are too many details in each product and I dare you 'hafal' all the terms. I was asking you the term because it keeps highlighting in your brouchure and I just want a short and quick answer from you. But you do not reply straight to me. And I believe you just do your home work only after I ask you the question, 2nd time. But maybe 3rd time because mfitri did ask earlier.

I become an agent is not for me to make lots of money from commission. I found it is good to have insurance after my sons and I need to be hospitalized and at that time I used my company's medical card. Since most agent is not so transparent (mostly just want to collect commission regardless which company), I decided to become an agent so that I can access lots of information and learn more about insurance. And I love to share something good with others. Sorry if my habit disturbing you.

We are here no to offend anybody. I believe we are here to share and the most important thing for people outside to have more information regarding the insurance. There is no competition here to be won.