如何选择医药卡！

anthonyyap

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Anthony Yap，ING agent，010 - 298 3457， anthony.yap@gmail.com
http://malaysiainginsurance.blogspot.com/
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1.        在你的保单里面都有写GUARANTEE RENEWAL WITH LIFE-TIME LIMIT vs YEARLY RENEWAL

有些保单是每年必须更新！但是，当你购买时，必须确定是保证更新到一定的年份！否则，如果你患上任何36种疾病的话或你的医药费已经超过了ANNUAL LIMIT，那么你就不能在更新你的医药保单。切记！
所以，购买时，请选择保证更新的医药卡，年份越长越好！

2.        CASHLESS vs PAY-FIRST-CLAIM-LATER/REIMBURSEMENT
在保单可以查看，当你有任何不幸患上任何疾病时，医药费是你必须先付后CLAIM，还是由医院直接和保险公司联络。要记住，CASHLESS都是好过REIMBURSEMENT

3.        INITIAL WAITING PERIOD
你必须知道疾病的WAITING  PERIOD的期限是多久，大多数是60天，180天，也有些是30天。
INITIAL WAITING PERIOD 越短，那么你就越快获得保单的保障

4)        CLAIM AMOUNT BASED ON ANNUAL LIMIT PER DISABILITY OR OVERALL ANNUAL LIMIT
这个STATEMENT时常使到顾客混乱。CLAIM BASED ON PER DISABILITY是每项疾病最高的赔赏。CLAIM BASED ON ANNUAL LIMIT是根据每年可以获得最高赔赏(不管什么疾病)
例子，        如果有一个病人需要动心脏手术，大约是需要超过50,000马币。如果是根据BASED ON ANNUAL LIMIT的保单只有每年50,000的话，那么剩下的医药费，病人需要自己付。但是如果是BASED ON PER DISABILITY 的话，那么，病人可以根据保单的LIMIT来索取赔赏。

5)        AS CHARGED OR SET AMOUNT BASED ON SURGICAL SCHEDULE
AS CHARGED 是说根据医药费，必须遵守ANNUAL LIMIT和PER DISABILITY LIMIT
SET AMOUNT的意思是最高赔赏是多少，比如说，如果器官移植，保险公司只付10,000,那
么只有这个数目而已.
最好是选保单比较多AS CHARGED，因为医药费日益高涨，很多不肯定的事情会发生。

6)        PRE-EXISTING CONDITIONS
有些保险公司有设立这些条件，如果顾客有任何的疾病，那么这些情况会使保险公司需要用更长的时间来确定是否承保。
有些公司12月甚至更久，有些保险公司甚至不要接保

7)        SPECIFIC DISEASES DURING FIRST POLICY YEAR
当要购买任何医药卡时，必须知道什么疾病是在第一年不再受保里面的。越少疾病的保单越好

8)        PANEL HOSPITAL vs NON-PANEL HOSPITAL
有些医药卡是有自己的医生和医院，当你有紧急时刻，是不需要抵押金。我的结论是，和你的代理拿最新的PANEL HOSPITAL的名单，还有，拥有最多的PANEL HOSPITAL的保险公司越好。

9)        GRACE PERIOD FOR PAYING RENEWAL PREMIUM
有些保险公司可以给30天的通融时期，换句话说，如果在保单到期后的30天内有任何搜赏的话，保险公司还是接受的！
但是有些保险公司只有14天，那么顾客必须在14天内付清PREMIUM，没有的话，保险公司不会作出任何赔赏。

10)        MANAGED-CARE ORGANISATIONS (MCO) vs INSURANCES COMPANIES
MCO 是一间提供医药卡的公司，不是保险公司，不受国家银行管制。例如马华爱心医药卡，SOS医药卡(已经倒闭了)之类的公司。
我的建议是最好不要买这样的公司，虽然比较便宜，但是不稳定。

11)        UPGRADE/CHANGE POLICY CLAUSE
有些保险公司可以接受提升你的医药卡的LIMIT，但是也有些不愿意给你提升。

12)        COST SHARING/CO-INSURANCE
现在大多数的公司是根据这样的方式来售卖医药卡，保客必须承担10%的医药费。
有些是一个指定数目 像ING MEDIPLUS 是一律RM50 不管任何数目的医药费！

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Anthony Yap，ING agent，010 - 298 3457， anthony.yap@gmail.com
http://malaysiainginsurance.blogspot.com/
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[ 本帖最后由 anthonyyap 于 14-7-2009 01:28 AM 编辑 ]

anthonyyap

1.ING保证Guarantee Renew 到70岁
2.ING医药卡是Cashless

3.ING的首30天内发生任何医药或身体状况不受保，但意外受伤除外。

4.很多保险公司是CLAIM BASED ON PER DISABILITY是每项疾病最高的赔赏ING是CLAIM BASED ON ANNUAL LIMIT是根据每年可以获得最高赔赏(不管什么疾病)。

5.ING是AS CHARGED

6.ING大多数不接受有任何疾病的顾客。所以，要在人无病无痛时购买ING Medical Card。

7.ING只是区区的120天不受保期限，不是一年。ING对指定疾病实施的120天不受保期限：高血压，糖尿病及心脏血管之疾病疝气，痔疮，管道炎，水囊肿，静脉曲张任何肿瘤，癌症，包囊，结核，息肉，泌尿系统及胆道系统结石子宫内膜异位，包括生殖系统之疾病任何耳、鼻（包括鼻窦炎）及喉之状况脊椎失调（包括椎间盘）及膝盖状况

8.ING应该是拥有最多的Panel Hospital只有你说的出的Hospital的名字，大多数也是我们的Panel Hospital。

9.ING可以给30天的通融时期

10.ING是保险公司，绝对不用担心。

11.ING可以接受提升你的医药卡的LIMIT，如果你没有发生任何的疾病。

12.ING 是一律RM50 不管任何数目的医药费。没有要保客承担10%的医药费。

可以游览http://malaysiainginsurance.blogspot.com/以知道更多详情。。。。

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Anthony Yap，ING agent，010 - 298 3457， anthony.yap@gmail.com
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[ 本帖最后由 anthonyyap 于 14-7-2009 01:25 AM 编辑 ]

anthonyyap

现在的保单有两种

第一种：传统保单

第二种：投资型保单

所以顾客必须了解清楚才购买。

其实全部保险公司都好，只是看那个最适合您罢了。

这份只是传统保单医药卡，而不是投资型保单。 ING Medical Insurance PremiumFulfilling Your Total Healthcare Needs
Imagine having a medical plan that guarantees hospital admission and takes care of your medical bills upon discharge at our panel hospitals. This is what the ING MediPlus1 (IMPlus) Insurance can do for you. With absolute convenience and hassle free hospitalization, you now have the comfort and peace of mind to focus on what is more important-your health.
With ING MediPlus Insurance, you are covered worldwide 24 hours a day. You need not worry about funding for healthcare costs or it being a burden on yourself and your loved ones. It is designed to give you maximum protection, flexibility and convenience at minimum cost. All you have to do is select from a choice of three IMPlus plans that suit your needs and let it work for you.
Comprehensive Hospitalizations & Surgical Coverage

Schedule of Benefit	IMPlus 1 (RM)	IMPlus 2 (RM)	IMPlus 3 (RM)
Hospitalisation & Surgical Expenses
a) Room & Board (daily limit)	120	180	260
b) Intensive Care Unit(Total period for Hospital Room & Board and intensive Care Unit up to a maximum of 60 days per disability)	300	300	300
c) Surgical Expenses(Surgical fees, Anaesthetist fee and Operating theatre charges) including post surgical care up to sixty (60) days from date of discharge)	As charged subject to self-insured deductible RM50**
d) Hospital Expenses
e) Pre-Surgery/Medical Specialist ConsultationIncludes fees incurred for consultation within 31 days prior to hospital admission or Day Surgery
f) Pre-Surgery/Medical Diagnosis Test
g) Daily Cash Allowance at a Malaysian Government Hospital (per disability)	50	50	50
Out of Hospital Benefits
a) Day Surgery Benefits	As charged subject to self-insured deductible RM50**
b) Emergency Accidental Outpatient Treatment- up to 31 days from the date of accident	As charged
c) Post-Hospitalisation or Day Surgery Follow up - up to sixty (60) days from date of discharge or Day Surgery
d) Out- Patient Cancer Treatment
e) Out-Patient Kidney Dialysis Treatment
f) Home Nursing Care Limit per disability. Valid within 7 days from the date of hospital discharge, subject to a minimum of 3 days hospitalisation	500	1,000	2,000
Overall Annual Limit	50,000	100,000	150,000
Lifetime Limit	150,000	300,000	450,000

**A deductible amount of RM50 is payable by the policyholder. This deduction is applicable per hospital admission/Day Surgery.
What are the benefits of ING MediPlus Insurance?
ING Medical Card (For Cashless Option Only)
With ING Medical Card it guarantees you hospital admission at all panel hospital.2 All authorized hospital bills will be settled automatically upon discharge.3
If you have to be admitted to a non-panel hospital, please call our 24 hours service hotline for hassle-free admission with no deposit required.
1 You may either opt for the cashless option, which comes with the ING Medical Card, or the non-cashless option, where you pay first and submit your claim to ING Insurance for reimbursement later. For premiums of each option please refer to the attached tables on page 9.
2 If you are hospitalized during the first three (3) months of your policy, you will be required to pay first and then submit your claim to ING Insurance for reimbursement later, subject to the terms & conditions of the policy.
3 You are required to pay a Self-Insured Deductible amounting to RM50 for the hospitalization and surgical expenses which you have incurred.
Referral Emergency Assistance Program
You get to enjoy extensive domestic and international assistance programs with your ING MediPlus. Just call our 24 hour service hotline: 603-7665 2550 or 603-7954 4717 from any part of the world and reverse the call charges.
The follow are the services offered:
International Medical Assistance Program-emergency medical evacuation and repatriation, repatriation of mortal remains, medical assistance, travel information.
Domestic Medical Assistance Program-emergency medical evacuation and repatriation, medical assistance.
Car Assistance Program*-emergency towing and minor roadside repair, car rental assistance, referral to service centres.
Home Assistance Program*-plumbing, locksmith, general repair, air conditioning and pest control assistance.
Travel Assistance Program*-provides information concerning visa, passport and inoculation requirement; assists in location of lost items, emergency message relay, arrangements of flights, legal referral, referral to interpreter/translator and weather and foreign exchange information.
Services marked with an asterisk* are referral services only. The cost of the actual services shall be borne by the policyholder. These services are provided by a third party and the continuation of these services are subject to the agreement between ING Insurance Berhad and Asia Assistance Network (M) Sdn. Bhd.
The benefits described for the Referral Emergency Assistance Programmed above have been summarized and are not exhaustive. Please refer to your policy document for detailed benefits, exclusions, terms & conditions.
Choice of Plan
ING MediPlus offers you a choice of three attractive plans designed to suit your budget and healthcare needs.
Policy Renewability
Your ING MediPlus insurance policy is renewable up to age 70 whilst the Company continues to transact hospitalization and surgical business. This policy renewability is subject to the aggregate lifetime claim limit of 3 times the Overall Annual Limit and insurability of the occupation class.




现在的保单有两种

第一种：传统保单

第二种：投资型保单

所以顾客必须了解清楚才购买。

其实全部保险公司都好，只是看那个最适合您罢了。

==========================================================
Anthony Yap，ING agent，010 - 298 3457， anthony.yap@gmail.com
http://malaysiainginsurance.blogspot.com/
==========================================================

[ 本帖最后由 anthonyyap 于 15-7-2009 02:24 PM 编辑 ]

skycs

有种老王卖瓜的感觉。
上次有听说ING的几件Klang 的panel hospital不在合作了。现在怎样了？

anthonyyap

Sri Kota Medical Centre,
Arunamari Specialist Medical Centre,
Kamuning Medical Centre,

如不是Panel Hospital，没办法咯，自己付着钱先；
但，为何不去Panel Hospital呢？？

chon1

今年63岁还可以买吗？

canibbean_blue

请问 ING's medical card 可以 cover 到几岁？

anthonyyap

59岁及以下的人士才有资格申请ING Medical Card，
ING Medical Card 可以 cover 到70岁；
那就是说60至69岁只给renewal罢了。
好的东西，通常比较严格一点的。。。。
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Anthony Yap，ING agent，010 - 298 3457， anthony.yap@gmail.com
http://malaysiainginsurance.blogspot.com/
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