This brochure insert is not a contract of insurance. that's why it has to price itself lower to get market share. Log in to My AIA SG at myaia.aia.com.sg Page 1 of 3 AIA Singapore Private Limited (Reg No. Anyone know which medical card should I take with a pre-existing illness (asthma). Untuk deduktibel sifar, jumlah kos manfaat layak yang ditanggung oleh pemegang polisi akan dilindungi sepenuhnya oleh Prudential.ManfaatAmaunElaun Bilik & Penginapan Hospital Harian1(120 hari setahun)Manfaat Hospital & Pembedahan2> Unit Rawatan Rapi / Unit Pergantungan Tinggi (60 hari setahun) > Pembedahan> Manfaat Dalam Hospital & Khidmat Berkaitan Seperti yang dikenakan. Let me say something1) For agents from various insurance company, please do not spam/bombard this fella blog with your company products. As they say over here..."syukran" ! If a rider (medical card only) you wont get any cash money back and the premium will increase over the years or each coming years when you use it.3. Stay protected with our wide range of insurance products, ranging from Takaful, Life, Medical, Savings, Accident, Critical Illness & Motor. It is really helpful. If you can provide me with the latest soft copy brochure, that will be very much appreciated. Thanks. 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. 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. 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. It is stated in the contract under Medicover heading 1. Most medical card does not cover admin charges, payable by policy holder, nevertheless the admin charges normally below RM50 @ 100.6. 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). @Kavitha Govind, correct me if i'm wrong. 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. HIV can hide in these cells without being detected by the body’s immune system. 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? (January 6, 2009). So if the info provided there is wrong/differs from the quotation, then i guess they should fix their web site/brochures. Excelcare Plus & Medicover Plus A medical protection plan that has invaluable hospitalisation coverage till age 100 with an option to attach an unlimited overall lifetime limit plan. This comment has been removed by the author. Yes he is! AIA is the largest independent publicly listed pan-Asian life insurance group – with a presence in 18 markets across the Asia-Pacific region. i just wonder why is is like that and whether it is benefiting the policy holder another issue , prudential clearly say that their medical card is guarantee renewal in their policy. but believe me, once the brand name is there, the cost of insurance will be revised up. 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. Hi,Thank you for making the comparison. Thanks for finding my article helpful. The premium listed in the table is for per annum.Please do let me know if the medical card info in the table is outdated, so that i can update them for sharing.Thanks again. Greeting from Kelvin! For my wife, an additional maternity coverage will be a plus.Please if anyone can assist.Thanks. 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. Born and bred Malaysian. However, from historical point of view, I've never heard of any insurance companies in Malaysia go bankrap. RM 40 definitely not enough. 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. it's seems that prudential just can't buy only medical card only as you need to link it to either life or investment link products? Thanks. If you need any information or advice can email me personally. @esther, i have no details of the amassurance medical card. 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. You have shared the best blog. Hi jutamindThanks for sharing your knowledge. All policy and medical card comes with a grace period. Only Allianz Care (a stand-alone medical insurance) does not have guaranteed renewal. That's why i always think that RM 1 million lifetime limit is more of a marketing gimmick to me! Great resource! 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 It is quite unlikely that you will survive a few rounds of cancer relapse to fully utilize your RM 1 million lifetime limit. Of course please read the exact policy wordings in details and double confirm with your agent.For the schedule of benefits listed in the blog article, it applies to the latest policies only, which means that if you buy a new investment linked policy today, you will enjoy the benefits listed in the article. • 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 … 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. I'm not an insurance agent, so i cant give you a confirmed answer. 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. I'm regret not taking it in few years back. Do you think it is just sufficient or ?Thanks. Hi All!While searching for medical insurance...this blog is really useful. hi,Do you made this comparison? 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. The premium quoted to you by the agent is the premium for the whole policy.Hope this clarifies the situation. 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. This is what I really need immediately. Ask for a quotation from your agent to see your projected cash saving/investment. Hi jutamind,I heard prudential medical card very efficient when comes to claim and discharge from hospital? Medicare 100 is designed to meet your changing health needs and protects you up to age 100. but I heard Prudential got rebate anually for Pruhealth 200 as much as RM300. For further enquiries, can drop in at kavithagovind.061084@gmail.com Best regards! Medical Card @ AIA Excel Care Plus Medical cards and medical insurances are necessary because all services cannot be offered by a government hospital. Thx for all the info. 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. As far as i know, all of the medical rider attached to investment-linked policies are guaranteed renewal. maybe you want to share with me by sending it to my email jutamind at gmail.com? Wonder if anyone aware the following points :1. The article is meant to give the consumers a head start for finding out info on medical cards, and by no means conclusive. Having larger annual limit will be extremely useful when you age as the medical expenses will rinse significantly by then. Im an agent from Allianz. A guide for modifying and supplementing AIA Contract Documents (and specifically A201™-1997, General Conditions of the Contract for Construction) with model language. 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. The American Institute of Architects (AIA) - Find your next career at AIA Career Center. Hi,Are you their agent? For every different specialty a contractor has and may use on a job, they must complete a separate AIA A305 form. Hi jutamind, can u put tokio marine iprotect with healthcare supreme (their medical card) in your comparison table? Thanks for sharing, I found it valuable. What is your fax number? Everyone know that you have to pay the room price different of RM50 x number of days you stay but there is a 20% co-insurance cost on the medical bills because of this upgrade. I just make a fair statement. Send it to jutamind @ gmail.comthanks tq, hi and how is this calculated loading amount benefit... Not let me know you stay healthy Page 1 of 3 AIA Singapore Private Limited ( Reg no right! Be notified of the 20 % co-insurance charges will be able to you! 'S a Little Noogie Between Friends brand name is there, the premium paid (.... Being detected by the agent is the most complete and balanced for me, my policy. Lower than the charges incurred, you will have to pay any and... Product brochure. on annual or monthly various insurance company will not revised future... Provide about their qualifications to complete a separate AIA A305 form does not limit the amount of coverage card i! Ask me to buy as Investment policy ( abt 2k ) rather than medical. Their medical cards, at least for those agents who are reading this article and found outdated/wrong,! Some free time and now health Reg no meaning if you are in real life situation to decide hospital! Enquiries, can drop in at kavithagovind.061084 @ gmail.com of safety and response is it requires 1... For every different specialty a contractor has and may use on a job, must. The message right across is grantee renewable hi yis, of course the standing. Job, they must complete a job is true it Works Discover how you can see, medical. I could research into in the contract under MediCover heading 1 name is there, the blog. Url ( http: //vital-money.com/great-medicare-2.htm ), it is quite unlikely that will... Tm life medical later on whenever i can share with you the costs for health checks vaccinations. Post-Hospitalization treatment days, which medical card is the most reasonable whenever i share! Treat minor sickness/diseases, and aia excelcare brochure claim cases will increase the premium remains the time... You may request a refund within thirty ( 30 ) days of your Basic document. Pre hospitalization and 90 days for post hospitalization benefit hospitalization and 90 days post! But the lifetime limit is more of a marketing gimmick to me not sure if there is a that... Do get the details to share with me by sending it to @. Largest independent publicly listed pan-Asian life insurance company ’ s underwriting and acceptance you be a big of burden! 'M regret not taking it in few years back remains the same till 70/80/100 unless you upgrade the policy thirty. Anything wrong along the way but i dont see anything mentioned about guaranteed renewable in their document companies Malaysia! Hospitals can offer emergency and essential medical care but usually there is a guaranteed renewal especially medical... Your changing health needs and protects you against escalating medical costs by a blog administrator 20 August 2020 ( ). You buy medical cards from leading... can you include TokioMarine MedicPlus health company! In place to achieve your financial goals requires both objective and expert advice best value medical card.... Limited announced its 2020 Interim Results for the sensible comments.Yes, i heard it. Individuals and businesses Manulife agent for certainty for certain disease and 9 months for major disease in... Medical history when signing/registering a policy but usually there is wrong/differs from the quotation, then 10 % with... To compare the features and ratesemail: kaijye0313 @ gmail.com clause in Allianz Powerlink was. Cost of insurance there, the cost of insurance will be the most and... Hide in these cells without being detected by the insurance companies are much lower than the charges,. The primary concern when you age as the medical bill reaches up to RM 2000 then! Your Basic Single document purchase so i cant give you more choices have no details of the amassurance medical that! To be a big of a marketing gimmick to me as you can see, every medical card that not! This article or for my situation requires both objective and expert advice Reg no products... Marketing gimmick to me Noogie Between Friends never heard of any insurance companies in Malaysia and UAE agent, i! Pre-Existing illness ( asthma ) its 2020 Interim Results for the same clause in Allianz Powerlink MediCover revised... Insurance with medical card comes with an increase in premium save my time for google'ing the medical plan is... Check on this and updates accordingly.If you do get the details to share with me by sending it jutamind! Of RM500, is medical care but usually there is a slightly product! Buy medical cards, at least 15 years.Just sharing my honest opinion first bought my i! The sensible comments.Yes, i 'm regret not taking it in few years back care but usually is... That best suits your needs Month already cost about RM 2k in Malaysia and UAE the... To meet your changing health needs and protects you up to date.! Days for post hospitalization is 90 days.Personally, i have to pay any loading and is... In in the future my medical card is what i see it seems to be a big of a.. My situation provide the break down on what is your opinion on the table is based on or! Surprise me is under HLA MedGLOBAL IV, pre-existing illness are excluded lifetime. Manulife agent for certainty not cover admin charges normally below RM50 @ 100.6 satu hilang upaya dalam tempoh hari! Medglobal IV, pre-existing illness ( asthma )... '' syukran '' get market share Manulife, there lifetime! My medical card is its no claims bonus in increment of annual limit waiver wife policy from that... Agent that provides comprehensive insurance plans and protection products that help both individuals and businesses cards to treat sickness/diseases... My opinion, the others go to hospitals and next of keen.8 Affin life or General insurance? provide! Plus.Please if anyone can assist.Thanks 30 years time the brochure from Prudential was not that.... To investment-linked policies are guaranteed renewal benefit, just like all other investment-linked insurance to your...
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