Pru Major Med 4

[Hakim]

as for azean irdawaty has to fork out Rm42 000 for her cancer treatmet in Putrajaya Hospital..so if she took this policy,she need to fork out her own money amount of Rm4200 right?coz it fall under cancer treatment..?correct me if I'm wrong...

Bai..dgn kene bayar RM4,200 dgn RM42,000 mana ko prefer?

 

[romono]

as for azean irdawaty has to fork out Rm42 000 for her cancer treatmet in Putrajaya Hospital..so if she took this policy,she need to fork out her own money amount of Rm4200 right?coz it fall under cancer treatment..?correct me if I'm wrong...

yah..better bayar 4200 daripada bayar 42000,setuju :-?
why are u so concern???u want join this policy??or u just want to compare with ur policy :-?

 

[salam03]

Hakim & Romono,agree with that (rm4200 better off than 42000)...

my original question was like this..
"For Out-patient Treatment Benefits, you pay 10% of total eligible benefits and the Company pays
the balance."

so let say PMM4 300,the annual limit is RM100 000..if i was charged with bills amount RM100 000,the prulink will only pay RM90 000,and I have to forked out from my own pocket RM10 000?what happen if I cannot afford to pay the Rm10 000 for the 10% of the bill? "


then,romono,maybe without referring to the websites carefully...misinterpreted my question with the hospital&surgical co-insurance...

back to my question again....what happen if I cannot afford to pay,let say the Rm10 000 for the 10% of the bill? [assuming the cancer treatment & kidney dialysis cost amount of Rm100 000]...
this is the worst-case scenario your client-to-be would like to know..including myself.Why,coz I'm considering this product as well.

with the smart consumerism campaign by government,each and everyone of us must know bound and limit/circumstances for each equivalent product....question like "why are u so concern???u want join this policy??or u just want to compare with ur policy?" should'nt arise from the professional agents..indeed and I mean it.I'm expecting,as a professional,he/she can clear the doubt especially in this grey area.

I'm not an insurance agent anyway....maybe you assume that after read my post regarding the TM dana saham & TM Sihat plan B...that plan was offered to me from my ex-schoolmate.[imagine with Rm200 per month,its can cover guaranteed Rm500 000 for both normal or accidental of Death/TPD...guaranteed. ]

 

[romono]

dont worrylah bro...u confirm afford to pay punyalah..sbb ape??sbb u sure dpt sum assured bila dpt penyakit kritikal,so bleylah u cover 10% of the out patient treatment another 90% will charge on the medical card...
also dont worry bro..agen pasti akan bagitau prospek part ni..agen pasti transparent with this part...(mungkin ade agen yg tak story)...
as a customer,u can compare with any policy if u want...sure ade kelebihan dan kekurangan pada sesuatu policy tu...so...u decide it!!!!!!

 

[Hakim]

Hakim & Romono,agree with that (rm4200 better off than 42000)...

my original question was like this..
"For Out-patient Treatment Benefits, you pay 10% of total eligible benefits and the Company pays
the balance."

so let say PMM4 300,the annual limit is RM100 000..if i was charged with bills amount RM100 000,the prulink will only pay RM90 000,and I have to forked out from my own pocket RM10 000?what happen if I cannot afford to pay the Rm10 000 for the 10% of the bill? "


then,romono,maybe without referring to the websites carefully...misinterpreted my question with the hospital&surgical co-insurance...

back to my question again....what happen if I cannot afford to pay,let say the Rm10 000 for the 10% of the bill? [assuming the cancer treatment & kidney dialysis cost amount of Rm100 000]...
this is the worst-case scenario your client-to-be would like to know..including myself.Why,coz I'm considering this product as well.

with the smart consumerism campaign by government,each and everyone of us must know bound and limit/circumstances for each equivalent product....question like "why are u so concern???u want join this policy??or u just want to compare with ur policy?" should'nt arise from the professional agents..indeed and I mean it.I'm expecting,as a professional,he/she can clear the doubt especially in this grey area.

I'm not an insurance agent anyway....maybe you assume that after read my post regarding the TM dana saham & TM Sihat plan B...that plan was offered to me from my ex-schoolmate.[imagine with Rm200 per month,its can cover guaranteed Rm500 000 for both normal or accidental of Death/TPD...guaranteed. ]

Bai,

I m not an agent either..i also a consumer..before i took any protection plan..I did make comparison with other plans bcoz i wanna the get a policy with best value of money..I did argue with my agent..but he managed to answer in a right way..

As co-insurance is concerned, that is bank negara requirement to imposed at any medical bil..depends la sama ada that insurance co. nak absorbed ke tak..like some bancassurance, ada co-insurance 50:50, 50% bank tanggung, 50% polisi holder tanggung..

Ada juga yg bila medical bil, eg. more than certain amount, then baru imposed co-insuran..Some insurance co absorbed co-insurance, eg. MAA, thats y u will noticed..dia limit kan plak coverage utk cancer & dialysis (eg. RM20K)..Insurance co. also very smart like us

Obvious reason, ppl previously misabused the benefits..demam sket aje dok hospital..sakit sket je dok hospital..pastu nak claim hospital elaun lah..MC elaun lah..this & that..To protect this, co-insurance ni pun start la di kenakan pd new polisi holder..

Bank Negara pun nak protect syarikat insuran gak drp bankrupt..

Like existing policy holder which before the co-insurance di wajibkan oleh bank negara few years ago, yg ni tak imposed kat diorg pun..They can still enjoyed medical coverage without any co-insurance...Like bapak aku, amik plan Prudential 7 thn lepas, dia tak kene co-insurance langsung pun..

Lg pun, kalau biasa dah kene diagnosed dgn cancer or kidney failure..dah dpt dah lump sum duit kritikal illness paling busuk pun RM50K..guna je la duit tu, utk byr co-insurance..thats y, Rm4.2K better than paying RM42K..

Personally, kalau that guy willing to take bigger plan RM100,000 obviously la mamat ni org VIP..takat RM10,000 is nothing la kot..i believe his premium silap2 sebulan equal dgn aku punya premium sebulan

Comparison is good..jgn sampai ko tak amik langsung..

Kalau nak paling best, ko amik Great Eastern..cover sampai 100 years!!! Itu pun kalau ko mampu la bayar premium dia..

Aku amik ikut kemampuan n keperluan..Setiap org beza keperluannya, Azizi Ali pun amik term insuran aje, maybe sbb takat medical bil tu dia bole cover lg...

masing2 punya cite rase..

 

[romono]

Bai,

I m not an agent either..i also a consumer..before i took any protection plan..I did make comparison with other plans bcoz i wanna the get a policy with best value of money..I did argue with my agent..but he managed to answer in a right way..

As co-insurance is concerned, that is bank negara requirement to imposed at any medical bil..depends la sama ada that insurance co. nak absorbed ke tak..like some bancassurance, ada co-insurance 50:50, 50% bank tanggung, 50% polisi holder tanggung..

Ada juga yg bila medical bil, eg. more than certain amount, then baru imposed co-insuran..Some insurance co absorbed co-insurance, eg. MAA, thats y u will noticed..dia limit kan plak coverage utk cancer & dialysis (eg. RM20K)..Insurance co. also very smart like us

Obvious reason, ppl previously misabused the benefits..demam sket aje dok hospital..sakit sket je dok hospital..pastu nak claim hospital elaun lah..MC elaun lah..this & that..To protect this, co-insurance ni pun start la di kenakan pd new polisi holder..

Bank Negara pun nak protect syarikat insuran gak drp bankrupt..

Like existing policy holder which before the co-insurance di wajibkan oleh bank negara few years ago, yg ni tak imposed kat diorg pun..They can still enjoyed medical coverage without any co-insurance...Like bapak aku, amik plan Prudential 7 thn lepas, dia tak kene co-insurance langsung pun..

Lg pun, kalau biasa dah kene diagnosed dgn cancer or kidney failure..dah dpt dah lump sum duit kritikal illness paling busuk pun RM50K..guna je la duit tu, utk byr co-insurance..thats y, Rm4.2K better than paying RM42K..

Personally, kalau that guy willing to take bigger plan RM100,000 obviously la mamat ni org VIP..takat RM10,000 is nothing la kot..i believe his premium silap2 sebulan equal dgn aku punya premium sebulan

Comparison is good..jgn sampai ko tak amik langsung..

Kalau nak paling best, ko amik Great Eastern..cover sampai 100 years!!! Itu pun kalau ko mampu la bayar premium dia..

Aku amik ikut kemampuan n keperluan..Setiap org beza keperluannya, Azizi Ali pun amik term insuran aje, maybe sbb takat medical bil tu dia bole cover lg...

masing2 punya cite rase..

can be a good agent ni...eheheheh

 

[salam03]

Halim,
good explaination though...

"Lg pun, kalau biasa dah kene diagnosed dgn cancer or kidney failure..dah dpt dah lump sum duit kritikal illness paling busuk pun RM50K..guna je la duit tu, utk byr co-insurance..thats y, Rm4.2K better than paying RM42K.."

the money must be from other life/PA insurance rite...?


"Personally, kalau that guy willing to take bigger plan RM100,000 obviously la mamat ni org VIP..takat RM10,000 is nothing la kot..i believe his premium silap2 sebulan equal dgn aku punya premium sebulan"

..that statement quite confusing...

 

[romono]

Halim,
good explaination though...

"Lg pun, kalau biasa dah kene diagnosed dgn cancer or kidney failure..dah dpt dah lump sum duit kritikal illness paling busuk pun RM50K..guna je la duit tu, utk byr co-insurance..thats y, Rm4.2K better than paying RM42K.."

the money must be from other life/PA insurance rite...?


"Personally, kalau that guy willing to take bigger plan RM100,000 obviously la mamat ni org VIP..takat RM10,000 is nothing la kot..i believe his premium silap2 sebulan equal dgn aku punya premium sebulan"

..that statement quite confusing...

"the money must be from other life/PA insurance rite...?"
u can claim critical illnes sum assured from other life/PA insurance if u have...but with PMM4,the sum assured for critical illnes turut disertakan,so bleylah claim from that...atau boleh amik Takafulink plan with medical card

"..that statement quite confusing.."
hah...aku pun konfius..mungkin hakim maksudkan dia pun vip sbb dia amik premium bulanan equal premium bulanan vip yg amik bigger plan

 

[Hakim]

sorry..maksud aku premium dia sbulan maybe sama dgn aku punya premium setahun..hehheh

Romono,

aku tak minat jd ejen..aku memang anti ejen insuran..hahahha

Memang byk ejen approach aku, tapi ejen yg aku amik ni memang la dedicated orgnya..kene buli pun sabar aje..MDRT ejen!

 

[romono]

sorry..maksud aku premium dia sbulan maybe sama dgn aku punya premium setahun..hehheh

Romono,

aku tak minat jd ejen..aku memang anti ejen insuran..hahahha

Memang byk ejen approach aku, tapi ejen yg aku amik ni memang la dedicated orgnya..kene buli pun sabar aje..MDRT ejen!

bagus sgt ler ko dpt agent camtu...ehehhe..jgn buli selalu,dia tgglkan ko nnt