【医药卡-讨论专区】各家醫藥卡

yyhhcc

朋友，我有它的brochure，发了email 给你。。

atoz

Schedule of benefits	IMPlus 1	IMPlus2	IMPlus3
Overall annual limit Lifetime limit	50,000 150,000	100,000 300,000	150,000 450,000
R & B (daily limit)医院病房及膳食费	120	180	260
ICU (max 60 days)加护病房	300	300	300
Surgical expenses, hospital expenses, pre-surgery/medical specialist consultation, medical diagnostic tests	As charged subject to self-insured deductible	As charged subject to self-insured deductible	As charged subject to self-insured deductible
Daily Cash Allowance at Malaysian government hospital (per disability)政府医院每日现金津贴	50	50	50
Out of Hospital Benefits
Day surgery benefit（日间程序）	As charged subject to self-insured deductible	As charged subject to self-insured deductible	As charged subject to self-insured deductible
Emergency accidental outpatient treatment (31 days from date of accident), post hospitalisation follow up (60 days), out-patient cancer treatment, out-patient kidney dialysis treatment	As charged	As charged	As charged
Home nursing care (limit per disability, valid within 7 days from date of discharge)	500	1000	2000

不好意思，用英文……

atoz

BNM Statistics

1. ING           RM329.45 million （是不是门诊洗肾／癌症 as charged 的关系？？）
2. Prudential RM291.50 million
3. AIA            RM137.61 million
4. GE            RM136.75 million
5. MAA          RM39.51 million
6. HL             RM28.00 million
7. Allianz       RM25.66 million
8. Manulife    RM20.13 million
9. MCIS         RM16.45 million
10.TM Asia    RM11.26 million

atoz

1. ING           RM273.59 million （又是它……）
2. Pru            RM245.75 million
3. AIA            RM117.14 million
4. GE            RM100.73 million
5. MAA          RM34.89 million
6. Allianz       RM22.99 million
7. Manulife    RM17.68 million
8. HL             RM16.90 million
9. MCIS         RM8.20 million
10. Asia Life  RM6.63 million

atoz

2006 Medical Policy Benefit pay-out...
1. ING           RM244.81 million （还是它……）
2. Pru            RM184.91 million
3. AIA            RM100.01 million
4. GE            RM54.66 million
5. MAA          RM27.11 million
6. HL             RM23.21 million
7. Allianz       RM20.38 million
8. Manulife    RM15.41 million
9. AmAssure  RM6.97 million
10. Asia Life   RM6.70 million

[ 本帖最后由 atoz 于 4-9-2009 03:29 PM 编辑 ]

鬼泣

我想ING和PRU会高出其他公司那么多是因为
- outpatient cancer 和 kidney dialysis是as charge
- 购买该两间medical card的人比较多

还有一点要留意的是pay-out一年比一年多，还是多很多。

小小星星

原帖由 yyhhcc 于 4-9-2009 10:08 AM 发表
TM Asia Life 只有一张医药卡-Health Partner Excel

要注意的项目：

Portfolio Loading : N
Premium rate not guaranteed.  Reserves the right to adjust the premiums applicable at the time of renewal!  ...

Co-Insurance : Yes - 10% or minimum of RM300 - TMAL reserves the right to revise the min co-ins. amount.  Maximum RM100 in any upward increase.
这条是说什么?英文不好....

谢谢你的解答.....

yyhhcc

就是说，往后如果TMAL 决定要提高Co-Insurance 的最低额，每次更改将不会超过RM100块。

s6383y

原帖由 simirutan 于 3-9-2009 06:28 PM 发表
那样这样Aia的代理哦。。。。。我如果是顾客我直接选没有co-insurance的医药卡。。。我一毛也不用出就拍拍屁股走会不会更好。。。。。

co-insurance是附加费用就对了。。。就是打个比方，每家的T&C不同，新马两国 ...

对啊！你是agent当然说自己公司没有co-insurance的好。有谁不想拍拍屁股就走，你别误解顾客一毛也不用出，至少还要给government service tax 吧。


Co-Insurance 保险分担额，90%保險公司承担，10%
投保人和保險公司根據醫療保險政策規定下，共同分担住院费。投保人只需给扣除已經支付的费用（免保险分担额/FREE amount），余额（balance）的10%而已。保单年内最高只需支付RM3,000


我要highlilght的是ANNUAL LIMIT - AIA Ecp+Mcp150的每年限额是RM90,000来给以索赔。如果您的整年医药费是RM100,000，明智的顾客们您要选择给RM10,000还是RM3,000呢！！！

vandoren

原帖由 s6383y 于 7-9-2009 04:12 PM 发表


对啊！你是agent当然说自己公司没有co-insurance的好。有谁不想拍拍屁股就走，你别误解顾客一毛也不用出，至少还要给government service tax 吧。


Co-Insurance 保险分担额，90%保險公司承担，10%
投保人和 ...

爬到这里，我都还未看到 LZ 有偏帮那一个保险。
你真的蛮会含血喷人咯

simirutan

哈哈，你好像不知道某家保险公司连政府government service tax都可以不用给哦！

simirutan

谢谢你的公道话。。。。。。。。公道志在人心

vandoren

原帖由 simirutan 于 7-9-2009 09:35 PM 发表
谢谢你的公道话。。。。。。。。公道志在人心

很明显了他是某家保险公司的 agent 咯。。。
我本来想好好的阅读着这个贴的分析，顺便想想那个医药卡适合我。
突然跑出个老鼠屎

black_hammer

我要ING 医疗及critical illness+premium table小册子(brochure), 有人PM 我妈 .

atoz

Benefits limits	150	200	250	300	350
Per policy Year
Hospital daily Room and Board (120 days)	150	200	250	300	350
Additional Hospital Room & Board whilst overseas (120 days)	150	200	250	300	350
ICU (120 days)	Reasonable and customary charges up to Co-ins free amount. Balance exceeding Co-ins Free amount up to Annual limit is further subject to Co-insurance
Hospital supplies and services
Surgical fees benefits
Operating Theatre Fees Benefit
Anaesthetist's Fees Benefit
In-Hospital Physician's Visit (240 days maximum per policy year)
Pre-Hospitalization Benefit (within 60 days prior to hospitalization)
Diagnostic Tests
Specialist Consultation benefit
Post-Hospitalization Treatment Benefit (within 120 days prior to hospitalization)
Outpatient Diagnostic X-ray & Lab Tests Benefit
Medical Expenses & Consultation Benefit including Acupuncture & Physiotherapy
Day Procedure
Home Nursing Care (per confinement) (180 days life time limit)	3000	4000	5000	6000	7000
Organ Transplant (not subject to co-insurance)	Reasonable and customary charges up to annual limit
Daily Cash Allowance at Government Hospital (120 days)	45	50	55	60	65
Daily Guardian Benefit (120 days)	90	110	130	160	190
Co-ins Free Amount per policy year	22000	25000	28000	33000	36000
Annual limit	90000	115000	140000	165000	190000
Out-patient benefit
Emergency Accidental Out-patient Treatment & 30 days follow-up Treatment at hospital and clinic	2000	2500	3000	3500	4000
Emergency Accidental Out-patient Dental Treatment (per accident)	3000	4000	5000	6000	7000
Value added Benefit
Emergency Evacuation Benefit	500000	500000	500000	500000	500000
Per Lifetime
Out-patient Kidney Dialysis Treatment Benefit	80000	110000	140000	170000	200000
Out-patient Cancer Treatment Benefit	112500	165000	217000	270000	322500
Overall lifetime Limit per insured person	NA	NA	NA	NA	NA

若有疑问，请询问有关代理。资料只是一项简略说明，只供参考及讨论。当中提及的惠益赔偿限额，不能作为一概而论。

black_hammer

原帖由 atoz 于 8-9-2009 09:06 AM 发表
Benefits limits150200250300350Per policy YearHospital daily Room and Board (120 days)150200250300350Additional Hospital Room & Board whilst overseas (120 days)150200250300350ICU (120 days)Reasonable a ...

可以给/PM我premium table 妈.

s6383y

原帖由 simirutan 于 7-9-2009 09:34 PM 发表
哈哈，你好像不知道某家保险公司连政府government service tax都可以不用给哦！

不用给好吗？ 会加进annual limit / lifetime limit 吗？
保险公司全承担或供分担，最后还是顾客们的选择。

charleswong28

原帖由 ahkit 于 6-8-2009 08:54 PM 发表
买的第一年，投保人就上西天了，能拿到２００k吗？

sorry late reply
是可以的

balia17

原帖由 yyhhcc 于 4-9-2009 10:08 AM 发表
TM Asia Life 只有一张医药卡-Health Partner Excel

要注意的项目：

Portfolio Loading : N
Premium rate not guaranteed.  Reserves the right to adjust the premiums applicable at the time of renewal!  ...

可附加一个rider
co-insurance waiver
免付co-insurance

[ 本帖最后由 balia17 于 10-9-2009 05:00 PM 编辑 ]

jutamind

我有六至七年的AIA investment link。 有想要提升保单里的医药保障（现在room & board 150) 到 room & board 200. 我有三个options：

1. 我现在有高血压（但是买保单的时候没有），我可以提升保单里的医药保障到最新的ECP+MCP200吗？要做过医生捡查吗？

2. 买AIA新的单独医药卡（ECP+MCP200). 要做过医生捡查吗？

3. 买其他公司新的单独医药卡。要做过医生捡查吗？

那个option对我最有利？