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which insurance to choose?

 
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babymoon



Joined: 22 Aug 2009
Posts: 1

PostPosted: Sat Aug 22, 2009 12:46 pm    Post subject: which insurance to choose? Reply with quote

i thought getting myself a medical insurance... But i dun know which insurance company is the best for medical coverage? Pls advice
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lucky2um



Joined: 15 May 2006
Posts: 72

PostPosted: Mon Aug 24, 2009 2:49 pm    Post subject: Re: which insurance to choose? Reply with quote

babymoon wrote:
i thought getting myself a medical insurance... But i dun know which insurance company is the best for medical coverage? Pls advice


Hi Good day
Im bryan from ING insurance.U means medical coverage is medical card?
If u wanna know more, can send me your age and sex to my email ta i can quote for u. Tis my email lucky2um@yahoo.com.hk
Thx
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Gavin_Lim



Joined: 08 Jul 2009
Posts: 93
Location: Kuala Lumpur

PostPosted: Wed Sep 02, 2009 5:36 pm    Post subject: Reply with quote

Hi:
When choosing a medical card, please be careful that some insurance company has a claim limit for each kind of illness. Let say your annual limit RM100K, doesn't mean you can claim up to RM100K for one single illness. Let say their coverage for kidney failure is RM30K, the medical expenses over RM30K for this illness you has to pay yourself, even though you still have RM70K annual limit. ING only follows its annual limit regardless what illnesses.

It is important to has a coverage for critical illnesses as well. ING has a policy for critical cover which increase the protection over time. If nothing happens to you, you can surrender the policy then get back all your premium paid together with some interest.

For details, Please e-mail your questions to cheahyang_0@hotmail.com or call 016-975 1234.
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Yanna



Joined: 10 Jul 2008
Posts: 16

PostPosted: Sun Sep 06, 2009 12:18 am    Post subject: which insurance to choose? Reply with quote

Employer-sponsored health insurance is less likely to have a waiting period. So if you can get coverage through your employer, or through your husband's job, it probably won't have a waiting period. But check to be sure.

Also you could try an HMO, such as Kaiser Permanente, to see if they don't have a waiting period. but probably most do, otherwise they would lose a lot of money, since having a baby is very expensive.

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Xanthia Alysha



Joined: 26 Oct 2009
Posts: 137

PostPosted: Tue Feb 09, 2010 5:56 pm    Post subject: Reply with quote

Health insurance is insurance that pays for medical expenses. It is sometimes used more broadly to include insurance covering disability or long-term nursing or custodial care needs. It may be provided through a government-sponsored social insurance program, or from private insurance companies. It may be purchased on a group basis (e.g., by a firm to cover its employees) or purchased by individual consumers. In each case, the covered groups or individuals pay premiums or taxes to help protect themselves from high or unexpected healthcare expenses.
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p3nang



Joined: 09 Jul 2009
Posts: 69

PostPosted: Mon Mar 22, 2010 8:02 pm    Post subject: Re: which insurance to choose? Reply with quote

babymoon wrote:
i thought getting myself a medical insurance... But i dun know which insurance company is the best for medical coverage? Pls advice


What is your expectation on the medical card you planning to have?
How may i contact with you so that can discuss more details in order to propose you the most suitable package?
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CG



Joined: 27 Mar 2010
Posts: 2

PostPosted: Sat Mar 27, 2010 1:48 pm    Post subject: Reply with quote

Hi,
AIA is providing the affordable and a complete coverage for hospitalizatilan and surgery.
For more information kindly drop to cheongghee@yahoo.co.uk
Thanks.
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