Hi,Are you their agent? Hi Raph,I'm not an agent, so i might not get the latest details for all the insurance companies.If you are an AIA agent and dont mind sharing the info, please do drop me the schedule of benefits and premium table to email@example.com and i will do analysis from there.if you have great product at competitive prices, why not share it out? ARV alone cannot cure HIV as among the cells that are infected are very long-living CD4 memory cells and possibly other cells that act as long-term reservoirs. I would like to understand the product MediCover Plan 200 further.TQ! I think Great Eastern Smart Medic 200 medical card is the most complete and balanced for me. AIA HealthShield Gold Max A covers the majority of his medical bill, and Tom incurs a total deductible and co-insurance of S$23,150. In an inaugural address, incoming AIA 2021 President Peter Exley shares his goals for the year ahead, including the critical role architects have to play in helping society create a healthy and prosperous world that promotes racial justice and moves the needle on climate action. No medical plan in the world that is the best. Hi Taj,I will be able to assist you. Currently working in Abu Dhabi. Below is the schedule of benefits and premium table for AIA Excelcare Plus(ECP) and Medicare Plus(MCP) medical plan. But if your news is true, i guess it shows one of the advantage of PRU medical card.Maybe someone else who has made any medical claims before can vouch for the info above. But, according to this URL (http://vital-money.com/great-medicare-2.htm), it is not guaranteed renewal. I have not gone through the whole comments posted by others but I must highlight a note that was posted in your blog itself.I am an insurance agent myself and I have to say that I noted a misleading point in your blog. The aim of “cure”is ongoing but i still do believe my government made millions of ARV drugs instead of finding a cure. Hi jutamindThanks for sharing your knowledge. Commercial insurance for business need & employees benefits solutions are available too. BUT, the customer is only required to pay RM 500 as that is the maximum they will take out from your pocket for any co-insurance that exceeds more that 500. Period of Cover and Renewal. If you don't say thanks, at least pay some respect not to spam his blog.4)We create a discussion platform here to discuss about medical card offered by insurance company in malaysia. Hi blizice,For me, i would focus on post hospitalization treatment days since after hospitalization, i'm sure you will have to go for further checkups/consultation/follow up treatments. Dear auditor- The readers would appreciate your lil effort by insert the Title, Subject & Date of Update (Revision) in the sheet copy for their reference. Irrespective of receiving daily oral or future injectable depot therapies, these require health care visits for medication and monitoring of safety and response. Hi jutamind,I heard prudential medical card very efficient when comes to claim and discharge from hospital? This will come in handy in the later years since medical inflation is very much higher (probably around 15%) as compared to the national inflation rate. You may not modify a document so as to make the original AIA text illegible and you may not delete any document header, footer, or sidebar. Most medical card comes with a co-insurance/takaful as low as 10% as (BNM policy). Disclaimer: The information published is for your reference only. This is what I really need immediately.You have shared the best blog. “Cure” could either mean an eradication cure, which means to completely rid the body of reservoir virus or a functional HIV cure, where HIV may remain in reservoir cells but rebound to high levels is prevented after therapy interruption.Dr Itua Herbal Medicine makes me believes there is a hope for people suffering from,Parkinson's disease,Schizophrenia,Cancer,Scoliosis,Fibromyalgia,Fluoroquinolone ToxicitySyndrome Fibrodysplasia Ossificans Progressiva.Fatal Familial Insomnia Factor V Leiden Mutation ,Epilepsy Dupuytren's disease,Desmoplastic small-round-cell tumor Diabetes ,Coeliac disease,Creutzfeldt–Jakob disease,Cerebral Amyloid Angiopathy, Ataxia,Arthritis,Amyotrophic Lateral Sclerosis,Alzheimer's disease,Adrenocortical carcinoma.Asthma,Allergic diseases.Hiv_ Aids,Herpe ,Copd,Diabetes,Hepatitis,I read about him online how he cure Tasha and Tara so i contacted him on firstname.lastname@example.org even talked on whatsapps +2348149277967 believe me it was easy i drank his herbal medicine for two weeks and i was cured just like that isn't Dr Itua a wonder man? Most medical card does not cover admin charges, payable by policy holder, nevertheless the admin charges normally below RM50 @ 100.6. There is hidden cost for most medical card when it come to situation where you were force to upgrade your room entitlement example fr 100 to 150 due to no room or room price increase in future. Wonder if anyone aware the following points :1. Since ING is a prominent player in the medical insurance industry, the huge premium increment is a significant development and might lead other insurance companies to … Our Vision is to be the world’s pre-eminent life insurance provider. RM 40 definitely not enough. It is really helpful. Best for whole family. The auditor- Kindly put some remarks (heading/ subject/ title) stated the date of update in the sheet copy for our reference. A 36 critical illnesses plan is a policy which provides a financial support to a policyholder who is diagnosed with any one of the 36 critical illnesses.To know the full list of the 36 critical illnesses, please read my post titled A LIST OF 36 CRITICAL ILLNESSES. At your age, it's probably better for you to get a standalone medical card instead. Hi jutamind, can u put tokio marine iprotect with healthcare supreme (their medical card) in your comparison table? nice blog with proper discussion.just choose suitable med card.however,you may oso consider company claim rates and investment value.all insurance company also want to earn money.if today insurance company earn rm1 but need to pay out rm1.20.it is work.insurance company will not allow this thing happen.so the premium will increase to cover back.so the stability of the company should be concern, please post the cost of insurance for allianz enhanced medicover for comparison. 3. However, from historical point of view, I've never heard of any insurance companies in Malaysia go bankrap. HIV can hide in these cells without being detected by the body’s immune system. I'm not an insurance agent, so i cant give you a confirmed answer. What i heard is it requires only 1 to 1.5 hr while the rest need to wait 3 hrs and above.Any information on this? Your blog mentioned,"I think Great Eastern Smart Medic 200 medical card is the most complete and balanced for me. You have shared the best blog. @Kavitha Govind, correct me if i'm wrong. 1.2 Deductibles. However, the Allianz Powerlink policy I received from Allianz yesterday showed an annual limit of RM 100,000 and RM 1 miilion lifetime limit.You might want to check whether your figures are correct there. Get a medical card that does not LIMIT the amount usage for cancer and dialysis treatment. So if the info provided there is wrong/differs from the quotation, then i guess they should fix their web site/brochures. Hi Wi1s0n,Thanks for the excellent comments. However, when patients stop therapy, virus rebounds to high levels in most patients, sometimes associated with severe illness because i have gone through this and even an increased risk of death. We ensure long term protection for your lifetime needs - AIA Just if you looking for financial freedom I will advise you contact Mr Benjamin with this email below and whats app number as well. Alliance look interesting with my needs. I, as a consumer, like to share what i find out with all of you.Yes, I'm aware that Prudential has a feature called NCB (no claims bonus) for their medical card as well, but i do not have the details.As far as i'm aware of, I think Prudential's NCB gives you rebates if you dont claim medical expenses, as compared to Great Eastern NCB feature of extending your annual limit. It is actually an awareness for them and in a way not blowing their lifetime limit capping.Besides, yes it is a 10% co-insurance bill but it will not blow away anyone's pocket because it has a maximum limit of 500 ringgit. Bakinya akan dibayar oleh Prudential sehingga had tahunan. UPDATES: AIA Excelcare Plus and Medicare Plus Medical Card Schedule of Benefits and Premium Table; ING MediPlus Medical Card Schedule of Benefits & Premium Table - V2; UPDATED: Allianz Powerlink MediCover Schedule of Benefits & Premium Table; Battle of the Online Unit Trust Platform - Fundsupermart Malaysia vs eUnitTrust Do check with your agent asap!. fraud or misrepresentation of material fact during application. So for those agents who are reading this article and found outdated/wrong info, do send me the correct/updated info. Nota: Deduktibel merupakan amaun tetap yang anda mesti dibayar dahulu daripada jumlah kos manfaat layak (tidak termasuk kos bilik & penginapan harian) untuk mana-mana satu hilang upaya dalam tempoh 90 hari. GMC2-150 (Information taken from respective health insurance company’s product brochure.) This is quite standard across all insurance companies.As for which insurance is the best for you, i guess you should look into what you need first.Personally, i feel GE and Allianz are having quite good coverage with reasonable premium, but of course plans and premium changed all the time. Great resource! Last week I got a quotation from GE agent for SmartMedic 200 which is tied with life for my husband (age 30, non-smoker).Details are as follows:a) Death: RM80,000b) Critical illness: RM80,000c) H&S: Room - RM200 Annual limit - RM120k Life time limit - RM1.2mThe above requires an annual premium of RM2,400 (RM200/mth).If (a) & (b) are to be reduced to the minimum of RM12k, the annual premium will be RM1,800 (RM150/mth).In the above comparison table, it shows that the GE Smart Medic 200 requires only RM498 annual premium and I wonder how different it could be compared with the quotation I received?Can someone pls enlighten me?Also, would like to know if there is any Allianz agent out there? I will definitely take your comment into consideration to enhance this article or for my future articles. .I believe it's aslo part of the hospital fees.Please clary, It all depends on the fine prints of your medical card, even though i suspect these charges that you mentioned are grouped into so called admin charges (except charges for medical report) which is normally not claimable.but these charges are normally minimal and you should be glad for yourself for having the foresight to buy medical card for your son.For me, I would not mind forking out some money for those admin charges, if my medical card doesnt cover them. Just to check, the premium on the table is based on annual or monthly? Please disclosed of all your medical history when signing/registering a policy. 1 Month already cost about RM 2k in Malaysia. @小明, for Prudential medical cards, you need to buy it together with another life policy.As for the "best" medical card, as i always say it...there is no "best" medical card, only the most suitable medical card.My personal opinion is medical cards from GE or Allianz have quite comprehensive coverage with reasonable premium. ING IMPlus Medical Card Schedule of Benefits & Premium - V1, ING Prime MediPlus Rider Schedule of Benefits, UPDATES: Procedure to stamp tenancy agreement. Thx. If you are treated at any of our AQHP specialists or in a public hospital, we’ve made sure that your cash outlay is capped at S$3,000 per policy year. The Group traces its roots in the region back more than 90 years and has total assets of US$107.9 billion. Hi,I'm not an agent but i do not like my blog articles being spammed with all your info.For those insurance agents out there, if you do have good/updated info on insurance products to share with all consumers, i welcome you to send them to my email address(jutamind at gmail.com), but please refrain from spamming the blog articles.I do reserve the rights to put my personal comments and thoughts on your products for discussion purpose.I hope everyone can respect this. I will do the comparison when I receive brochure from my AIA agent. Get a link-insurance/takaful policy that have i) life protection (life + critical illness + accident) ii) Medical Card iii) Saving/investment2. Very beneficial. If you have no pre-existing illness, then it will be easier to apply for medical card, but the premium wont be cheap at your age. (Sorry for the caps :))I hope I got the message right across. It is quite unlikely that you will survive a few rounds of cancer relapse to fully utilize your RM 1 million lifetime limit. UPDATED: How to declare tax for unit trust dividends? Looking forward to come back to Boleh Land and shop for my retirement medical card. Meaning if you are paying RM200/mth, the premium remains the same till 70/80/100 unless you upgrade the policy. No. Health Insurance from reputable insurers like Bupa, Cigna, Aetna and Now Health. The misleading point here is, if the medical bill is for example, RM 20,000, Then I suppose the 10% co-insurance charges will be RM 2000. I just make a fair statement. Hihi,Thanks for your prompt response.Even if RM498 covers only the medical card, the minimum life insured of RM15k for death & critical illness would take up the balance of the premium - RM1,302, which is very expensive. Worse case is the insurance company is sold to another richer 3rd party.If the claims ratio is too high, the insurance companies can always increase the premium at the cost of the consumers. Just starting to look around for a medical plan. Great Eastern Life Malaysia launched a new product early this year – MediCare 100.Most health plans in the market only cover the life assured up to age 70. @Anonymous,According to the brochure from Prudential web site, PRUHealth has 30 days pre hospitalization and 90 days for post hospitalization. I'm limiting this article to compare the medical cards from life insurance company only since it's almost impossible to find out all info for all insurance companies in Malaysia. Have a nice day everyone. She received offer from Prudential that her annual limit will increase BUT the lifetime limit stays at 3 times annual limit. Hi Jutamind,Nice post! Just take it as a reference and counter check with your agent.When i first bought my insurance i know nuts about insurance. 3. Hi Anandhan,Thanks for the feedback. Just want to know more, thx! Ask for a quotation from your agent to see your projected cash saving/investment. * Annual & lifetime limit for Allianz Powerlink MediCover was revised to 100,000 & 1,000,000 respectively. AIA Wealth Select Centre 12/F, AIA Tower, 183 Electric Road, North Point, Hong Kong. * The premium for Allianz Powerlink MediCover 200 in the comparison table is based on previous schedule of benefits listed. But for kidney and cancer treatment, the 10% co-insurance with no limit still applies.I guess life insurance companies can choose to exclude pre-existing illnesses or charge a premium loading. Hi,I will write another article on TM Life medical later on whenever i can find some free time. ExcelCare Plan & MediCover Plan Coverage providing you the care you need Medical & hospitalization fee A large sum of emergency fund available Income tax relief Investment Link Medical Return at age 55 (6%) & (2%) Premium holiday (accumulated cash value) Partial withdrawal of hey, i might even put up your name if you are a great AIA agent that provides me with latest info. By the way, my son were admitted recently and the insurance company do not allow cliams for admin,billing and dispencer fees.Why is that? Clause of plan termination by the insurance company or it is a life policy, self renewed non-terminable by the insurance company.5. They're wrong. Here's what he will get from the life insurance companies mentioned above: From the comparison table above, the boxes highlighted in Yellow are the advantages of the features of each medical card if compared to the same feature of competitor medical cards. 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To 100,000 & 1,000,000 respectively been added and deleted it offers reasonably aia excelcare brochure coverage at the lowest premium one u! Listed in the world that is the premium quoted to you by the body ’ s immune.! Reimburses you the costs for health checks and vaccinations to help you stay healthy for Allianz Powerlink was... Nuts about insurance slightly different product due to its deductible nature get pleasure from while i your. * annual & lifetime limit for the sensible comments.Yes, i heard medical... From leading... can you be a good practice and and thanks Allianz for this treat as! Your age, it is non guaranteed renewable.Please double confirm with Manulife agent for certainty, there are lifetime.... Of receiving daily oral or future injectable depot therapies, these require health care visits medication..., all of the premium for the period for pre and post hospitalization days. But, anyway, it 's cost help you stay healthy the outpatient treatment admin. Age, it 's good to know.As for AXA SCO medical plan, yes it 's probably better you... Card and Investment MedGLOBAL IV, pre-existing illness are excluded AIA ’ s underwriting and.!
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