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View Full Version : Medical card,do we really need them?



Sato
28-10-2004, 09:27 PM
Judging from the statement of these people, do you think we really need a medical card to cushion the damage to our pocket during emergency or there is others better way?

The statement below are taken from the Simpanduit.com.

"So far, I am happy with the Sihat Malaysia card. Just recently, my son broke his left arm while playing basketball at home. We went to Ampang Puteri and the KAD paid all the hospitalisation cost. Alhamdullillah.. Tapi before admission tu leceh sikit, the hospital needs to confirm with your company and that took some time, sampai my son dah menangis kesakitan. So I ended-up paying the deposit first for admission. Later they refund my money back when they get the confirmation. Anyway Oklah...the bill was 5K!!!

So now I thought of buying one more card for my brother whose details I've given in my earlier mail. When can I get the form?"

Puan Ruzimi Ibrahim
Bangi

"Selepas mengguna kad Sihat Malaysia selama 6 bulan, saya terfikir untuk berhenti kerana saya tidak membuat apa-apa claim perubatan tetapi, En. Azha menasihatkan saya supaya meneruskan sehingga akhir tahun kerana risiko kehidupan sekarang tidak menentu dengan adanya pelbagai penyakit yang boleh menimpa keluarga saya. 2 hari selepas itu, anak saya ditimpa jangkitan virus dan terpaksa dimasukkan ke Pusat Perubatan GlenEagles dan HUKM.

Sepanjang tahun ini, anak saya terpaksa dimasukkan ke hospital sebanyak 3 kali termasuk menerima rawatan ICU dan En. Azha selalu menziarah kami sekeluarga di hospital. Walaupun proses claimnya mengambil masa sedikit kerana rawatan yang diterima oleh anak saya bukan dibuat pada hospital panel, tetapi saya amat bersyukur kerana kad Sihat Malaysia telah membayar semula kos perubatan anak saya berjumlah lebih RM 12,000. Saya amat berterima kasih kepada En Azha di atas khidmat nasihat yang diberi kerana kad sihat malaysia yang saya beli for RM 724 telah membantu menanggung bil perubatan anak saya sebanyak RM 12,000. I will definitely recommend this card to all my friends!"

Puan Amy Aziz
Bukit Jali

pcyeoh
29-10-2004, 09:19 AM
How much can we trust the two testimonies published here. I know Sihat Malaysia is under rapid fire from people who gone through hell. I wonder about the quality of the agent who wanted to push their cards to you. "Pakcik, ini cover, ini pun cover dan itu juga. Tadak problem. Hanya sign sini dan sana dan sini dan semua beres (if a Chinese agent he will say kautim."). Then when you are about to breathe your last breath at the doorstep of the hospital, make sure you have the memory to recall that number, energy to dial it and a clear mind to listen what is not beres/kowtim and make sure your heart is still strong to take all that. I know a couple of my friends who just didn't bother to renew them after that. The reason they are popular is because of the branding and they are cheap. Your employer will fall for them - taichi the hospitalisation problem to them without seriously looking at the coverage - cheap mah. I would suggest that you look into your lifestyle, current health condition and dislose anything you are required to disclose (don't tell them the 3 years ago trip to Haadyai), your affordabilty before you opt for one. I won't tell you what I have but I am very satisfied with it. Recently, when my son was admitted into a medical centre (not SJMC) when he fell down from his bicycle, my dealing with my medical card issuer was very professionally done. There was no hassle and for the next 5 weeks, everything was covered. Beside the card issuer, I am also very thankful to the hospital for making everything very pleasant. There were some dealings between the medical centre and the insurance company but all were transparent to me. I know of a case where the poor guy didn't have a medical card, it was a nightmare for him dealing with the medical centre (this time it is SJMC) He nearly went mad just topping up the deposit. Yes, a good medical card is definitely needed. It is a financial safety net

KH EE
29-10-2004, 09:49 AM
sihat malaysia cards r issued by, i think, three HMO's (health management organisation). i was told that only 1 of them is fully recognised by all hospitals in M'sia (as usual, my memory can't recall its name! :eek: ).

& pcyeoh's right - get an insurance co's medical card - it costs more but it's worth it! ;)

achee
02-11-2004, 08:31 AM
Medical card is a necessity....and must be added into your "grocery" list.

I had my experience with Sihat Malaysia(SM). I was admitted in SJMC on xmas day year 2000. Paid my own bill and the SM reimbursed me in full. Good enuf. Or else 2k gone......

The next year, renewal was denied eventhough the orthopedic had given a letter of clearance. The last 3 years I didn't want to apply to another company fearing that my application may be denied. Someone told me that ins co have access to our medical records.

BTW, this year I did approach one of the insurance co. that issues medical card, I did mention the trip to Haadyai though, but there's no problem. All covered and took all my worries away.

Agree with pc and KH. Do get a med card from an insurance co.

mallanhead
02-11-2004, 11:43 AM
it is better tp get medical card from insurance co. like aia, hancock or from a bank base like HLA, Maybank etc.

Any idea?

KH EE
02-11-2004, 11:57 AM
from what i was told, almost all HMO's in US cannot make it - high claims, etc... so the next best alternative is to get a card from the insurance ppl - a drawback is, next year, the premium may go up! :eek:

mysticalangel
02-11-2004, 01:37 PM
Although most insurance companies medical card got global coverage, upfront payment is needed for some countries like the US. My brother got admitted to a hospital in Florida but was told he needs to pay up front first then come back to Singapore & claim from the insurance company. Lucky, he has enough funds....

Sato
02-11-2004, 09:09 PM
Although most insurance companies medical card got global coverage, upfront payment is needed for some countries like the US. My brother got admitted to a hospital in Florida but was told he needs to pay up front first then come back to Singapore & claim from the insurance company. Lucky, he has enough funds....

Perhaps I need to reclassify the question to "Do you have any good medical card to recommend?" what do you think Angel?

Aeken
07-04-2005, 11:23 AM
Hi. :) I'm sure that everybody must possess their individual medical card. This is due to that the medical expense is rising from time to time. Why does people throng in Government Hospital instead of Private Hospital when they need hospitalization? This is because they don't have their own medical card which may pay up the medical expenses for them. As a result, they can only stay in GH and sometimes for certain particular operation, they need to wait and queue which due to lack of equippment, surgeons or even medicine. This sometimes post risk and danger to their life especially for some emergency or critical sicknesses.

We buy medical card not because we are going to hospitalize, but is to make advance preparation in the event of hospitalization. And with the medical card, we have already transfer our risk to the Insurance Company or relevant institution. I can say 90% of our risk is transfered to them. At my opinion, everybody must have their own medical card. Do you think you can settle your own medical bills which cost RM20,000 yourself using CASH? Even you have it, have you think how long you need to save to get this amount? So, sakit hati right to spend all your saving just because of a single accident? So, we always say wise people always use the money in the others pockect instead of using their own money.

So, better to get one before is too late. And you must get a MODERN medical card instead of traditional one. This is because MODERN one have CASH VALUE, FLAT PREMIUM, INCLUDE WITH LIFE PROCTECTION (DEATH, DISABILITY AND DISEASE). If something bad happen, you get reimbursement for it, if nothing happen, all the premium you paid is your saving or retirement fund. For this MODERN type, company cannot reject the renewal of your policy at each anniversary year. In the traditional one, company may reject to insure an individual after taking into consideration of its previous year medical record or impose extra premium on it. Meanwhile, the PREMIUM WILL RISE ACCORDING TO AGE for traditional type. So, still waiting for what? Consult your agent to get a MODERN medical card today. For your information, I'm an agent too. ;) Good luck!

IF ONE DAY YOU CAN'T BRING HOME THE INCOME
PLEASE, PLEASE DON'T BRING HOME THE BURDEN
FOR YOUR LOVE ONE

Aeken

totoro
07-04-2005, 11:37 AM
So, better to get one before is too late. And you must get a MODERN medical card instead of traditional one. This is because MODERN one have CASH VALUE, FLAT PREMIUM, INCLUDE WITH LIFE PROCTECTION (DEATH, DISABILITY AND DISEASE). If something bad happen, you get reimbursement for it, if nothing happen, all the premium you paid is your saving or retirement fund. For this MODERN type, company cannot reject the renewal of your policy at each anniversary year. In the traditional one, company may reject to insure an individual after taking into consideration of its previous year medical record or impose extra premium on it. Meanwhile, the PREMIUM WILL RISE ACCORDING TO AGE for traditional type. So, still waiting for what? Consult your agent to get a MODERN medical card today. For your information, I'm an agent too. ;) Good luck!
Aeken

Aeken,

The medical premium isn't flat rate per year, although the total premium is. Buyers should see this if you look at your tax relief statement breakdown. Agents should know this.

Medical policies attached to life policies are still renewed on a annual basis, iirc.

And the cash value accumulated over the years is not guaranteed. Keep that in mind.

headache
07-04-2005, 12:02 PM
If you want an almost FREE and get 1st class treatment in a Govt hospital, make sure that you're a regular blood donor. I know I am. :)

Pets=Friends
07-04-2005, 12:31 PM
If you want an almost FREE and get 1st class treatment in a Govt hospital, make sure that you're a regular blood donor. I know I am. :)
Sure or not, finally some kind of recognition for our elixir of life besides free milo, free ball pen and a certificate.

Aeken
07-04-2005, 12:46 PM
totoro,

You are right. The premium is actually not flat if we look at the tax relief statement breakdown. But from another point of view, I think compare with traditional medical card, modern medical card is more worth because it have return (cash value) though it is not guarantee. Thanks for clarification and remind! :)

Pets=Friends
07-04-2005, 12:59 PM
Hi. :) For your information, I'm an agent too. ;) Good luck!

IF ONE DAY YOU CAN'T BRING HOME THE INCOME
PLEASE, PLEASE DON'T BRING HOME THE BURDEN
FOR YOUR LOVE ONE

Aeken

Spoken like a true insurance agent (no offense to other insurance agents in the board), i wonder if you realise it but 9 out of 10 insurance agents speak like that especially the newer ones in the industry. Its as if there's a factory churning out agents equipped with the same soft skills and sales techniques. May i suggest that you be more creative in your presentation in the future. The insurance industry is very competitive and its always the best man that wins. Most of us are aware of rising hospitalization rates but at the end of the day besides the insurance policy, the insurance agent matter most. What is the point of having a world class policy if your agent cannot be trusted to perform. I've had my share of lousy insurance agents, people who actually give the profesion a bad reputation. The worst thing is, the parent insurance company cannot do anything about it or take accountability for their agents.

ginaphan
07-04-2005, 01:40 PM
I've been through different levels of suffering before with these medical cards. I've found that using isurance cards to be the best for me.
I am now covered by ING - no complaints. My coverage requires me to pay for the bill first and they will reimburse me. They process my claims fast enough. For travel out of Malaysia, I use AIA. No complaints.

Their rates are higher but I feel their service level justifies it. Unfortunately, it's the irresponsible people out there that abuse their coverage that increases the inflationary rates unnaturally on the annual premium.

Note: I am not an insurance agent nor do I work for ING or AIA.

fatalshak
07-04-2005, 01:59 PM
I having been using Pacific Insurance for a few years and thought that they are only so-so. They have this thing about co-insurance. When my kids were hospitalized at Sunway Medical, we upgrade to a single room so the mommy can stay overnight and ended up having to bear 20% of the overall cost. Admission was easy, they faxed the guarantee letter asap. However, they have very low Doctor Fee Schedule, so I ended up having to pay the difference.

I heard that ING and AIA are quite good, so I am looking to change.

jessi24
08-04-2005, 04:40 AM
fatal shark,

Every medical insurance company is the same. Every policy you purchase has a different value for the room and board. Some only offers RM80 and some up to RM200 or more. It depends on how much you pay per annum. If you exceed the limit given to you, most will ask that you to pay 20% of total bill. Every time you get a policy read through the terms and conditions. How much is covered for each and everything. If you feel whatever is insufficient, do upgrading. It's always stated inside the policy.

totoro
08-04-2005, 02:27 PM
I having been using Pacific Insurance for a few years and thought that they are only so-so. They have this thing about co-insurance. When my kids were hospitalized at Sunway Medical, we upgrade to a single room so the mommy can stay overnight and ended up having to bear 20% of the overall cost. Admission was easy, they faxed the guarantee letter asap. However, they have very low Doctor Fee Schedule, so I ended up having to pay the difference.

I heard that ING and AIA are quite good, so I am looking to change.

Some medical policies do not require co-insurance up to a certain amount. :)

Joe Gomez
08-04-2005, 02:59 PM
.....................And you must get a MODERN medical card instead of traditional one. This is because MODERN one have CASH VALUE, FLAT PREMIUM, INCLUDE WITH LIFE PROCTECTION (DEATH, DISABILITY AND DISEASE). ...............................

Hi Aeken, can u pls explain what is this "modern medical card" u r talking about?
I cld b wrong, but I am not aware of any medical card that has these feaures that you speak of. Can u pls clarify whether u r talking about the med card that comes with the Investment Linked policies ?

bugbear
09-04-2005, 06:36 PM
I think medical insurance is the "in" think of the future of Malaysian health service. In just under two years from now, health services will get dearer. This was announced by the new DG of health Dr. Ismail Merican recently as the government is battling to cut cost.

Unless you are government servant, pensioner or dirt poor you will have no excuse to pay normal price in government hospital. :o

We are turning more and more into something like the US where health insurance hold sway. You can compromise on any other things but dare you compromise on you health?? :confused:

Wicked April
13-09-2010, 08:17 AM
Hi all,

I know there are government hospitals, where the fees are cheap but the queue is long, and there are private hospitals like Sime Darby Medical Centre.

But where does University Malaya Medical Centre and Hospital Universiti Kebangsaan Malaysia stand - Are they private or government? And what are their fees and waiting time like?

On another note, I'm looking for a medical card and critical illness plan and have shortlisted Pacific Insurance, Chartis, AIA and Allianz. Anyone who can recommend a good insurance agent from this companies (particularly Pacific), please PM me.

jutamind
13-09-2010, 10:34 PM
if ur still free from any sickness, i think the combination of AXA SmartCare Optimum and Tokio Marine MedicPlus is a good choice, giving you pretty extensive coverage at a lower/comparable premium as other branded medical card.

rakyat
14-09-2010, 10:50 AM
Hi all,

I know there are government hospitals, where the fees are cheap but the queue is long, and there are private hospitals like Sime Darby Medical Centre.

But where does University Malaya Medical Centre and Hospital Universiti Kebangsaan Malaysia stand - Are they private or government? And what are their fees and waiting time like?

On another note, I'm looking for a medical card and critical illness plan and have shortlisted Pacific Insurance, Chartis, AIA and Allianz. Anyone who can recommend a good insurance agent from this companies (particularly Pacific), please PM me.

Why not go direct and get 15% to 25% discount?

Wicked April
17-09-2010, 03:54 PM
if ur still free from any sickness, i think the combination of AXA SmartCare Optimum and Tokio Marine MedicPlus is a good choice, giving you pretty extensive coverage at a lower/comparable premium as other branded medical card.

I've considered AXA, but I'm not comfortable with some of the questions in the proposal form.

Wicked April
17-09-2010, 03:57 PM
Why not go direct and get 15% to 25% discount?

I think it's only 15%. I may yet go direct, but having an agent - provided she's a good one - means you have someone you can call during an emergency or crisis. I think that's worth the 15% commission.