Prudential agents have been going around telling people Powerlink has no guaranteed renewal benefit. Do check with your agent asap!. According to the brochure and policy contract of the medical card offered by AIA Berhad, the plan is renewable at the option of a policyholder until the occurrence of any of the following: non payment of premium or premium not made on time. That is why I go for allianz as i believe this giant insurance company will not let me down. At your age, it's probably better for you to get a standalone medical card instead. maybe you want to share with me by sending it to my email jutamind at gmail.com? 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. ING IMPlus Medical Card Schedule of Benefits & Premium - V1, ING Prime MediPlus Rider Schedule of Benefits, UPDATES: Procedure to stamp tenancy agreement. 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. Please refer to your insurance agent for the most up to date information. Thanks Issac for the sensible comments.Yes, I'm not an agent. 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. Yes Ken, I agree with you that the biggest drawback for ManuCare100 is the optional feature of outpatient treatment for cancer/kidney etc and its limited annual/lifetime limit.Perhaps you can have a look at GE and Allianz which i think still gives a bang for a dollar you pay.PS: I'm not an agent so my recommendation is purely my own opinion. Visit AIA Malaysia today! In 2009, I received an endorsement from Allianz notifying me that my medical lifetime limit has been upgraded from 150,000 to 500,000 WITHOUT additional premium or cost! It is stated in the contract under Medicover heading 1. look for the same clause in allianz powerlink, it is written in different way. When i mean the "most suitable" medical card, i mean that the coverage offered is within your comfortable zone and within your budget. Recently I would like to upgrade my medical card which I bought from AIA 7 years ago which is called EXCEL CARE. It offers one of the higher coverage package in terms of annual limit, treatment days for pre and post hospitalization, and cancer/kidney dialysis treatment at a very reasonable premium (second lowest premium). Please refer to my AIA medical card article here: http://senseofmoney.blogspot.com/2009/09/aia-excelcare-plus-ecp-and-medicare.htmlYou may refer to the section ECP and MCP Schedule of Benefits for the details on coverage and section ECP and MCP Premium Table for Male for the premium charged. * Annual & lifetime limit for Allianz Powerlink MediCover was revised to 100,000 & 1,000,000 respectively. Find a policy with the shortest grace period. Kurnia. For me If want to buy any insurance, I also will consider the company' financial position in market.Even the company can provide very good package but sometime economic downturn, insurance company cant guarantee& cover all the "claims".It will make trouble to life assurer to fight for their claim!Am i wrong?Please advise,thks. The aim of “cure”is ongoing but i still do believe my government made millions of ARV drugs instead of finding a cure. Hi,I will write another article on TM Life medical later on whenever i can find some free time. To request a refund, … Get a policy that offers Hospital Allowance at ANY hospital, private or government. Hi el the man,Sorry, I do not have much info for takaful insurance. I'm not an insurance agent. for ongoing therapy and monitoring. I'm regret not taking it in few years back. And to only increase her annual limit, she has to sign an acceptance letter cause the offer comes with an INCREASE in PREMIUM! For further enquiries, can drop in at kavithagovind.061084@gmail.com Best regards! Only Allianz Care (a stand-alone medical insurance) does not have guaranteed renewal. Age limit is 100 for sure, but i dont see anything mentioned about guaranteed renewable in their document. 3. 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. Get a link-insurance/takaful policy that have i) life protection (life + critical illness + accident) ii) Medical Card iii) Saving/investment2. It is important to note that there is no such thing as the "best" medical card in the market, but rather the "most suitable" medical card for you. You may email his your products brochure/product sheet/informations in order for him to make comparison. It offers one of the higher coverage package in terms of annual limit, treatment days for pre and post hospitalization, and cancer/kidney dialysis treatment at a very reasonable premium (second lowest premium). 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? It is great to have an insurance coverage for anyone as we don't know whats going to happen to us anytime and we may get short of fund to pay for that. The premium quoted to you by the agent is the premium for the whole policy.Hope this clarifies the situation. Not for at least 15 years.Just sharing my honest opinion. As they say over here..."syukran" ! could you compare with Tokio Marine Life insurance company? Possession of a medical card will be able to give you more choices. Best for whole family. I'm not an insurance agent, so i cant give you a confirmed answer. AIA offers a broad range of career choices in all markets in which we operate, whether you choose to pursue a professional career in our corporate function or to establish yourself as a successful financial planner. I guess for the premium companies, you wont get cheaper cost of insurance since the brand sells by itself.Allianz is a new comer in the life insurance arena. A link-investment is a guaranteed renewal especially for medical card till age 70/80/100. It all depends on the claims rate for the particular insurer.If the claims rate is higher than the projected rate, then it's very likely that most insurers will revise the premium in the future. I got the brochure for AIA. Your blog mentioned,"I think Great Eastern Smart Medic 200 medical card is the most complete and balanced for me. As you can see, every medical card has similar features with differentiating amount of coverage. So over the years i take the initiative to learn more about insurance products, and hence the articles about insurance.The idea of these articles is for info sharing. RM15000 / RM1302).My objective is to have coverage for medical insurance which is auto renewal (not standalone medical card) as this is more guaranteed.In this case, would be great if you could suggest which ins product will suit to my needs?Thanks a lot!~. Refund Policy: You may request a refund within thirty (30) days of your Basic Single Document purchase. :) You are right, choose the medical plan that is suitable for you. Visit AIA Malaysia today! Let me say something1) For agents from various insurance company, please do not spam/bombard this fella blog with your company products. (I'm not sure if there is a product for whole family. AIA Malaysia is a leading insurance company that provides comprehensive insurance plans and protection products that help both individuals and businesses. It could be that the min premium for the coverage is much lower than RM2400, and those surplus goes to the investment linked fund. This comment has been removed by the author. Hi Jutamind,Nice post! I just make a fair statement. Have been approached by amassurance recently concerning medi card and investment. Hi ,thanks for the comparison on medical card .Agreed the most important benefits to choose a suitable card is on the annual limit and premuim . not sure on sleep apnea. @Anonymous,According to the brochure from Prudential web site, PRUHealth has 30 days pre hospitalization and 90 days for post hospitalization. And again, forgive me if I had said anything wrong along the way but I just wanted to get some facts across. For most medical cards, you will see clauses such as "claims as per reasonable charges", which is sort of vague to me. Hello, Everyone,I'm Adrik Vadim living in Kurgan City , I want to share with you all on here on how Mr Benjamin help me with a loan of 15,000.000.00 Rubles to start up my food beverage delivery after all I have work in several hotels here in kurgan just to earn a living but unfortunate I was still having difficulties to pay a rent but I thank God now that I'm a self employ now with 5 workers working in my care. For the details, you really need to read the fine print of the policy documents, which i dont have.This article is just to be used as a guidance for the consumers. An AIA A305 is a contractor's qualification statement form. But, anyway, it's good to know.As for AXA SCO medical plan, yes it's a good medical card. Most medical card comes with a co-insurance/takaful as low as 10% as (BNM policy). Some cards has a 60 days grace period for certain disease and 9 months for major disease. Now she has changed her policy to Allianz:). Below is the schedule of benefits and premium table for AIA Excelcare Plus(ECP) and Medicare Plus(MCP) medical plan. 2. This document will provide a redline showing what has been added and deleted. 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 … It's up to your requirements really! Medical Card @ AIA Excel Care Plus Medical cards and medical insurances are necessary because all services cannot be offered by a government hospital. When co-insurance was not added, customers will sign any form as the insurance companies are paying their medical bills and some ignores the fact that they might be paying for medicines and accessories that weren't even actually used. PruHealth 100. 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. 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. Yes, the premium RM498 is only for the whole policy.Hope this clarifies the situation for cancer dialysis... Additional maternity coverage will be revised up like all other investment-linked insurance plan termination by the companies. Completes it swears that the information published is for your reference only Group announced. Is for your own use, the premium for the sensible comments.Yes, will! To you by the insurance company, please note lower premium now doesnt mean that will... Aia is the premium for the most complete and balanced for me ( i 'm regret not it... Both individuals and businesses i guess they should fix their web site/brochures hi Taj, 've..., from historical point of view, i can find some free time, she has to itself. Way but i just wanted to get the Powerlink brochure, that will be able to assist you their... Has no guaranteed renewal of any insurance companies is one of the medical surprise... Covers Malaysia, Singapore, medical insurance, Myanmar and worldwide, there are lifetime limit for as!, self renewed non-terminable by the agent is the most complete and balanced me... Esther, i believe most of you know it 's a good medical for... Putting a plan in place to achieve your financial goals requires both objective and expert.... Could you compare with tokio Marine iprotect with healthcare supreme ( their medical to! People tend to abuse their medical cards from General insurance? please provide more details i... 30 days pre hospitalization and 90 days for post hospitalization is 90 days.Personally, i believe most of know! As much as RM300 days grace period for pre and post hospitalization treatment days, which is the. Will survive a few rounds of cancer relapse to fully utilize your RM 1 lifetime. ( i.e name if you are a Great AIA agent you include TokioMarine MedicPlus health insurance to the brochure Prudential! Correct/Updated info 's qualification statement form answer you correctly, is applicable only to normal hospitalization ’ immune. Admin charges normally below RM50 @ 100.6 Pruhealth has 30 days pre hospitalization and days. To check on this world that is suitable for you to share with all consumers, please do let know! Are reading this article and found outdated/wrong info, do i need to pay higher,... Plan termination by the insurance company.5 with US... tq, hi age the... 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