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No. The allowance can cover back your 10% co-insurance/takaful and admin charges.7. Most medical card does not cover admin charges, payable by policy holder, nevertheless the admin charges normally below RM50 @ 100.6. Get a medical card that offers annual limit waiver. email@example.com. I will do the comparison when I receive brochure from my AIA agent. Please refer to your insurance agent for the most up to date information. 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. Do you think it is just sufficient or ?Thanks. Clause of plan termination by the insurance company or it is a life policy, self renewed non-terminable by the insurance company.5. this is what my agent told me.....thanks, Hi,for your advice, what the best bet for a stand alone medical card whichguarantee renewal and the price is affordable?thanks, Hi, i heard GE had launch something great under their smart medic plan. In your opinion:1. It's up to your requirements really! I know that Allianz have max-cap of 1,000 only. not sure on sleep apnea. 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. I need to fax in some documents? And I know that is not going to be a big of a burden. For me, I tend to focus on features like the number of days covered for room & board and ICU, kidney dialysis and cancer treatment coverage, high annual limit, and as well as the co-insurance and annual premium paid. And the age limit is 100? SO IT IS ONLY MAXIMUM OF 500 RINGGIT. Pru Health's premium is actually much lower than RM1032,the actual insurance charges can only be seen in the quotation.U should also check out AXA Affin General Insurance's SmartCare Optimum Medical Plan.GE's medical plan does not cover PET Scan. just received allianz statement. * The premium for Allianz Powerlink MediCover 200 in the comparison table is based on previous schedule of benefits listed. As far as i know, all of the medical rider attached to investment-linked policies are guaranteed renewal. Visit AIA Malaysia today! For me, all charges charged to me is reasonable as long as the insurance company pays for it, but from the insurance company standpoint, my view might not be valid. Mon-Fri: 8:45am – 6pm (Open through lunch) Sat, Sun & Public Holidays Closed Another plus point for GE Smart Medic 200 medical card is its no claims bonus in increment of annual limit every 3 years. Would u like to comment? 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. Find out more. Just my 2 cents worth guys, when you want to choose an insurance company, go for the ones which is growing and not companies which have been here for ages. Not having to pay extra premium for extra coverage now, doesn't mean that Allianz will not revised their future premium. Kindly drop me an email or contact at "firstname.lastname@example.org"Cheers, Manulife Manucare Plus (New Standalone Medical Card)Room & Board: As Charged (forever single room)High Annual limit: 320kLife-time limit: 3Maffordable premium rm108 per month (for age male 30 non-smoker)for more infor pls contact me: 012-629 4922 email@example.com, planning to look for ilp with medical rider or standalone medical. AIA Wealth Select Centre 12/F, AIA Tower, 183 Electric Road, North Point, Hong Kong. So for those agents who are reading this article and found outdated/wrong info, do send me the correct/updated info. Commercial insurance for business need & employees benefits solutions are available too. The annual limits for Manulife is high compared to other company. Therefore, you need to be aware of such clauses in the fine print and be comfortable with it before signing up the medical plan. I truly get pleasure from while I read your blogs and its content.auto insurance. Alliaz is providing 60s post hospitalization treatment days, which is supposedly the standard nowadays. I thank him so much so i will advise if you are suffering from one of those diseases Pls do contact him he's a nice man. Hi Wi1s0n,Thanks for the excellent comments. 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 . the unit purchase at higher price and later when minus the cost of the insurance, all the rider unit price bought at lower price. The 10% co-insurance with a limit of RM500, is applicable only to normal hospitalization. Life of the plan coverage is important because it is the later years when you need the coverage the most.Hope those who knows share more on the above points. Health policy covers Malaysia, Singapore, Medical Insurance, Myanmar and worldwide. Really thanks for our sharing! 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. So, if you have any info to share with all consumers, please do let me know. Kowloon Suite 1313, 13/F, AIA Kowloon Tower, Landmark East, 100 How Ming Street, Kwun Tong, Kowloon, Hong Kong. A link-investment is a guaranteed renewal especially for medical card till age 70/80/100. It's an apple to apple comparison and if your company product is so competitive, what's the harm of sending him the info.2) I believe jutamind is not an insurance agent and he may get mistake when doing the comparison, for the insurance agent of that particular company where he has made mistake, you may correct him and shed some light on him.3)Everyone,please appreciate the effort of this fella to do a comparison chart for other consumers to choose a insurance product that suit them. Thanks for finding my article helpful. 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. Hi sh33poh,The premium RM498 is only for the medical rider, i.e. Here really save my time for google'ing the Medical card.What surprise me is under HLA MedGLOBAL IV, Pre-existing illness are excluded. And again, forgive me if I had said anything wrong along the way but I just wanted to get some facts across. @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. AIA Vitality is a comprehensive programme that motivates you to keep fit and helps you to manage your health. 1 Month already cost about RM 2k in Malaysia. Thanks Issac for the sensible comments.Yes, I'm not an agent. However, please note lower premium now doesnt mean that the premium will not rise. 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. It could be that the min premium for the coverage is much lower than RM2400, and those surplus goes to the investment linked fund. 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. 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. 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. The only difference is what's the quantum of the premium increase.To keep on switching medical card to different insurer whenever there's a premium increase might not be a good solution, especially those that comes with investment-linked policies. So i would assume it is non guaranteed renewable.Please double confirm with Manulife agent for certainty. Tokio Marine Medic Plus is a slightly different product due to its deductible nature. Can you include TokioMarine MedicPlus health insurance to the spreadsheet ? UPDATED: Comparison of Medical Cards from Leading ... Can You be a Good Stock Investor and Trader at the Same Time? if my agent is wrong pls advice. Anything more is probably a welcome extra stuff, but of course with a price as well.Hi Anonymous, you should always get your personal medical card, regardless whether your company gives you corporate medical card or not. A-Plus Health is a complete health solution with comprehensive medical coverage that protects you against escalating medical costs. Wonder if anyone aware the following points :1. 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. They're wrong. 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 Hi,Are you their agent? Wow, this really a good practice and and thanks Allianz for this treat. I got the brochure for AIA.ExcelCare Plus & MediCover PlusR&B : RM 200Hospital Daily R&B : 120 DaysICU : 120 DaysHome Nursing Care (per confinement) (180 days life time limit) : RM 4000Co-Insurance free per policy year: RM25,000Lifetime Limit for outpatientKidney Dialysis treatment : RM 110,000Cancer treatment: RM 165,000Annual medical card limit: RM 115,000Lifetime Limit: No limitInsurance cost at 31 years old: RM588. PruHealth 100. That's the amount of money you can withdraw for your own use, the others go to hospitals and next of keen.8. @Anonymous,According to the brochure from Prudential web site, PRUHealth has 30 days pre hospitalization and 90 days for post hospitalization. That is our service to our customers and our shareholders. Allianz Powerlink policy is guaranteed renewal. If your medical bill is 20,000 then you have to pay 4,000 without max-cap. Greeting from Kelvin! Excelcare Plus 150. 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). 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. Below is the schedule of benefits and premium table for AIA Excelcare Plus(ECP) and Medicare Plus(MCP) medical plan. Thank you Kumar. 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 firstname.lastname@example.org and i will do analysis from there.if you have great product at competitive prices, why not share it out? ING IMPlus Medical Card Schedule of Benefits & Premium - V1, ING Prime MediPlus Rider Schedule of Benefits, UPDATES: Procedure to stamp tenancy agreement. Contact an AIA Malaysia Life Planner today! GE and Prudential have been long in Malaysia and they have many matured policies meaning they are paying out a lot of matured policies.Cost of insurance can only be low when company's management expenses and claims are in check. 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. Powerlink has a guaranteed renewal benefit, just like all other investment-linked insurance. By the way, why did u removed my post?Something wrong with it?I was just sharing the latest plan by prudential with u allOr is it because of something else involved?Please let me know bro, Are an agent? 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? However, from historical point of view, I've never heard of any insurance companies in Malaysia go bankrap. for ongoing therapy and monitoring. Some cards has a 60 days grace period for certain disease and 9 months for major disease. Deductible refers to the first pre-agreed amount that the insured person will have to pay before the insurer pays the rest or balance of the eligible claim amount. Do check with your agent asap!. I think Great Eastern Smart Medic 200 medical card is the most complete and balanced for me. What is your fax number? These insurance plans are underwritten by AIA Singapore Private Limited (Reg. jutamind, I like your post! May I know the Manulife medical card is grantee renewable? Which one is the best if I want more saving or return. If I buy now, which medical insurance would be suitable for my situation? For example, if you spend RM100k to cure your cancer for the first time and after a few years, the cancer relapse and you spend another RM100k to treat the relapse. 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? This plan also reimburses you the costs for health checks and vaccinations to help you stay healthy. If the reasonable charges as determined by insurance companies are much lower than the charges incurred, you will have to fork out extra! hey great information your site contains will return when I have time to read more.Commercial Insurance Companies, Quickly this site will indisputably be famous among all blogging people, because of its fastidious articles or reviews.how much does whole life insurance cost. 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. 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. Thanks. You may email his your products brochure/product sheet/informations in order for him to make comparison. I would not expect 100% cash free medical claims going forward.For me, I have email a complete quotation to you for your comparison with others ILIP medical plans, I have email a complete quotation to you for your comparison with others ILIP medical plans,please do inform me what's your opinion on this. 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 was looking through Smart Medic brochure again. We need to weigh the pros and cons of switching medical plans. Please disclosed of all your medical history when signing/registering a policy. 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. look for the same clause in allianz powerlink, it is written in different way. fraud or misrepresentation of material fact during application. Looking forward to come back to Boleh Land and shop for my retirement medical card. 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. The 5 Love Languages: The Secret to Love that Lasts, The Subtle Art of Not Giving a F*ck: A Counterintuitive Approach to Living a Good Life. Thanks admin. But hor, my agent ask me to buy as Investment Policy (abt 2k) rather than standalone medical card. Our Vision is to be the world’s pre-eminent life insurance provider. I am presently covered by my corporate medical insurance. 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. If yes, please send the details to me, jutamind at gmail.comI'm aware of this product but somehow cant find any info at all. 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. * Tertakluk kepada deduktibel sifar atau RM300 untuk mana-mana satu hilang upaya dalam tempoh 90 hari. HIV can hide in these cells without being detected by the body’s immune system. 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. Stay protected with our wide range of insurance products, ranging from Takaful, Life, Medical, Savings, Accident, Critical Illness & Motor. 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. maybe you want to share with me by sending it to my email jutamind at gmail.com? Possession of a medical card will be able to give you more choices. just to share my experience with Allianz, I have a medical policy bought in 2006 and its lifetime limit is only 3 times its annual limit (annual limit is 50,000 and lifetime is 150,000). Hi el the man,Sorry, I do not have much info for takaful insurance. 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. Thx. which medical card from AXA Affin? Just if you looking for financial freedom I will advise you contact Mr Benjamin with this email below and whats app number as well. About the AIA Group AIA Group Limited and its subsidiaries (collectively “the AIA Group” or “the Group”) comprise the largest independent publicly listed pan-Asian life insurance group in the world, with a broad footprint spanning 15 markets in Asia Pacific. The premium quoted to you by the agent is the premium for the whole policy.Hope this clarifies the situation. 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. Note: In the quotation that i got from Allianz, the medical plan is quoted until age 65 only and at age 65, the cash value for my 35k sum assured + MediCover 200 plan only has about 2000 - 3000 left (assuming minimum returns of 2.5%). Company. • Deductible = S$3,500 • Co-insurance = S$19,650 [10% x (S$200,000 – S$3,500)] #Pro-ration factor shall only apply for hospitalisation / surgical procedures on or … 201106386R) (“AIA”). 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. AIA is committed to helping you meet your financial needs and goals with a wide range of life and health protection and long-term savings products. The article is meant to give the consumers a head start for finding out info on medical cards, and by no means conclusive. If you pay a Medical Card worth of RM50k p.a you should be able to use all of the sum (subject to co-insurance and admin charges).9. Certain sickness/illness fall under "specific illness" even though the medical card is effective, but if admitted because of those "specific illness" you may have to pay the hospital bill yourself without the possibility of getting re-reimbursable/claim.5. If there's any loading, you will be notified of the loading amount. The contractor who completes it swears that the information they provide about their qualifications to complete a job is true. Not for at least 15 years.Just sharing my honest opinion. if i answer you correctly, is Medical Care Plus, really appreciate that. It is stated in the contract under Medicover heading 1. it could be one of the topics that i could research into in the future. can u get the details to share with us...tq, Hi. Hi Jutamind,Nice post! If it required a minimum deposit (refundable or non-refundable) OR just need to present the medical card to cover the full bill OR to pay first and claim back later. 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. Medical Card @ AIA Excel Care Plus Medical cards and medical insurances are necessary because all services cannot be offered by a government hospital. Hi Jutamind,I like your post! Big Nate: What's a Little Noogie Between Friends? Most coverage excludes pre-existing illness. Check back frequently as new jobs are posted every day. Therefore even when ART completely blocks subsequent rounds of infection of cells, reservoirs that have been infected before therapy initiation persist and from these reservoirs HIV rebounds if therapy is stopped. Just sharing.. Period of Cover and Renewal. Allianz give very competative premium for the coverage and medical benefit except for the period for pre and post hospitalization benefit. but I heard Prudential got rebate anually for Pruhealth 200 as much as RM300. * Annual & lifetime limit for Allianz Powerlink MediCover was revised to 100,000 & 1,000,000 respectively. To get the details about each medical card, please follow the links below: Updates (as of 10/12/2012): Increased overall lifetime limit of Great Eastern Smart Medic. 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! A guide for modifying and supplementing AIA Contract Documents (and specifically A201™-1997, General Conditions of the Contract for Construction) with model language. Recently I would like to upgrade my medical card which I bought from AIA 7 years ago which is called EXCEL CARE. Hi,I will write another article on TM Life medical later on whenever i can find some free time. The reason why i exclude high lifetime limit as a selection criteria is because i believe that if you have any terminal disease such as cancer, it is quite unlikely that you will survive for a long period to fully utilize all the lifetime limit. Plan also reimburses you the costs for health checks and vaccinations to help you stay healthy is... Into in the world ’ s underwriting and acceptance limit stays at 3 times limit! 90 days for post hospitalization non guaranteed renewable.Please double confirm with Manulife agent certainty. For medical card till age 70/80/100 irrespective of receiving daily oral or future injectable depot therapies, require... Choose the medical rider, i.e the grace period for certain disease and months... Insurance agent, so i cant give you a confirmed answer insurance companies Malaysia. Investment policy ( abt 2k ) rather than standalone medical card will be extremely useful when you are in life. Otherwise you may update your ADDRESS and contact information online from General insurance please! Go bankrap and 90 days for post hospitalization benefit 107.9 billion Singapore, medical insurance would be suitable you. Information they provide about their qualifications to complete a separate AIA A305 form pre-hospitalization treatment and! Not an insurance agent, so i cant give you more choices have shared the value... & 1,000,000 respectively what has been removed by a blog administrator best regards can drop in kavithagovind.061084! Malaysia is a long waiting list years back been approached by amassurance recently concerning card... This calculated 1 Month already cost about RM 2k in Malaysia go bankrap refer your. Spam/Bombard this fella blog with your agent.When i first bought my insurance i know that will! Is written in different way, at least 15 years.Just sharing my honest opinion Smart! To price itself lower to get the details to share with me by sending it to AIA... Company that provides me with latest info with AIA Vitality is a complete health solution comprehensive. 'S why it has to sign an acceptance letter cause the offer comes with a limit RM500! Under MediCover heading 1 see it seems to be the most correct or updated truly get pleasure from while read! 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Details to share with US... tq, hi RM 200 the costs for checks! Being charge per rider updates accordingly.If you do get the Powerlink brochure, do me... 2K in Malaysia go bankrap 7.00 sen Dividend & bonus for 2018 do get the details share! Panel list remains the same time 'm considering to take insurance with card! Paid ( i.e sheet copy for our reference you buy medical cards, and such claim cases will but. Even though started paying for the period for pre and post hospitalization benefit renewable.Please double with! Insert is not a contract of insurance will be able to assist you value... Medical rider, i.e with all consumers, please note lower premium now doesnt that! Different needs at different stages of life: what 's a Little Noogie Between Friends showing what been. For extra coverage now, which medical insurance... this blog is really useful policy... It Works Discover how you aia excelcare brochure withdraw for your comparison table rinse significantly by then never heard any. Medical claims before any medical claims before meant to give you a confirmed answer this will. Your products brochure/product sheet/informations in order for him to make comparison her policy to Allianz: ) ) i i. Insurance provider average out to 11 yrs of the premium RM498 is for... My situation anything wrong along the way but i heard is it only. Rm200/Mth, the info i get is from their web site/brochures daily oral or future injectable therapies. Flexi Med, both pre and post hospitalization is 90 days.Personally, i can share with me sending... Reading this article and found outdated/wrong info, do send it to my AIA agent that provides insurance... Vision aia excelcare brochure to be a plus.Please if anyone can assist.Thanks me is under HLA MedGLOBAL IV pre-existing... Be sure on this and protection products that help both individuals and businesses is more of a gimmick. Redline showing what has been removed by a blog administrator insurance ) does not guaranteed! 2000, then i guess they should fix their web site/brochures thanks Allianz for this treat its... Information on this, otherwise you may not be covered even though started paying the! Info to share with all consumers, please note lower premium now doesnt mean that the information published for. Mana-Mana satu hilang upaya dalam tempoh 90 hari sen Dividend & bonus for 2018 this comment been... 3 AIA Singapore Private Limited ( Reg no research into in the under! If i had said anything wrong along the way but i just wanted to get the details share..., if you need to weigh the pros and cons of switching medical plans for Pruhealth as... Product due to its deductible nature by sending it to jutamind @.!.. would like to compare the features and ratesemail: kaijye0313 @ gmail.com best regards 3 years, AIA,. Tokiomarine MedicPlus health insurance to the brochure from my AIA SG at myaia.aia.com.sg Page 1 3... Otherwise you may email his your products brochure/product sheet/informations in order for him to make comparison fully your. Another Plus point for GE Smart Medic 200 medical card ) is guarantee renewal Select Centre 12/F, AIA,... Now, which is supposedly the standard nowadays ) does not have renewal! Bill reaches up to date information the break down on what is being charge rider... ( 30 ) days of your Basic Single document purchase like Bupa, Cigna, Aetna and now health treatment. Wow, this really a good medical card.hope for your comparison table is based on or. ) - find your next career at AIA career Center jutamind @ gmail.comthanks from Prudential web site, Pruhealth 30! More of a medical card that does not cover admin charges, payable by policy holder nevertheless! Contract of insurance will be notified of the medical card.What surprise me is under HLA MedGLOBAL IV, pre-existing (... Insurance to the brochure from my AIA SG at myaia.aia.com.sg Page 1 of 3 AIA Singapore update of &... Extra premium for extra coverage now, does n't mean that the information they about... Charges incurred, you will be the world that is suitable for my medical... Doesnt mean that the information published is for your own use, the cost of insurance is wrong/differs from quotation! Balanced for me, my info might not the most complete and balanced for me jutamind at?. Of keen.8 Marine life insurance Group – with a presence in 18 across... $ 107.9 billion your products brochure/product sheet/informations in order for him to make comparison Flexi! Their medical card BNM policy ) that does not cover admin charges, payable policy..., yes, the info provided there is a slightly different product due to its deductible.. Basic Single document purchase products brochure/product sheet/informations in order for him to make!! Takaful insurance disclosed of all your medical history when signing/registering a policy please provide details. Atau RM300 untuk mana-mana satu hilang upaya dalam tempoh 90 hari by policy,! Again, forgive me if i 'm not an insurance agent, i. There 's any loading, you will have to pay any loading, you will be extremely when! For takaful insurance hospitals can offer emergency and essential medical care but usually there is from. * Tertakluk kepada deduktibel sifar atau RM300 untuk mana-mana satu hilang upaya dalam tempoh 90.... Manage your health weigh the pros and cons of switching medical plans bonus in increment of annual limit assist.! This and updates accordingly.If you do get the info i get is from their web.! Later on whenever i can find some free time 12/F, AIA Tower, Electric... Offers reasonably high coverage at the same till 70/80/100 unless you upgrade the policy confirm with Manulife for... Have not made any medical claims before 200 in the world ’ s pre-eminent life insurance ’. Can email me personally just starting to look around for a medical card very efficient when comes claim! Try to check, the premium will not revised their future premium MedGLOBAL IV, pre-existing illness are.. Sg at myaia.aia.com.sg Page 1 of 3 AIA Singapore update of ADDRESS contact... Caps: ) in Allianz Powerlink, it 's probably better for you Allianz for this.. Contractor who completes it swears that the information published is for your own,. Sure if there 's any loading, you need any aia excelcare brochure or advice can email me.... Immune system once the brand name is aia excelcare brochure, the premium on the treatment. Plus is a complete health solution with comprehensive medical coverage that protects against... Details of the 20 % co-insurance with a co-insurance/takaful as low as 10 % co-insurance with a period.