ING的传统医药卡 及 quotation - 如何选购医药卡

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。有任何疑问可以==========================================================
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 02:36 PM 编辑 ]

anthonyyap

如果要ING 医药卡的quotation，可以到http://malaysiainginsurance.blog ... dical-card-ing.html
最后第二页（Page16），有quotation。
谢谢！！

==========================================================
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 02:27 PM 编辑 ]

anthonyyap

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

http://malaysiainginsurance.blog ... dical-card-ing.html
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！

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

anthonyyap

如果要ING 医药卡的quotation，可以到
http://malaysiainginsurance.blog ... dical-card-ing.html
最后第二页（Page16），有quotation。
谢谢！！

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

yyhhcc

原帖由 anthonyyap 于 15-7-2009 02:37 PM 发表
==========================================================
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！

Hi,

1。请问在sample quotation 内，第几页是说这policy 是 Guarantee Renewal?

2。

Alterations

The Company reserves the right to amend the terms and provisions of this Policy writing by ordinary post to the Policy Owner’s last known address in the Company’s will be applicable from the next renewal of this Policy. No alteration or endorsement unless authorised by the Company and such approval is endorsed thereon.

这条，是不是说ING 可以更改policy 的条例，抱括添加exclusion ?

anthonyyap

yyhhcc,首先，我非常感谢你的问题，问得很好，很有意思；
1. 在第9面有提到renewal的事情，
Period of Cover and Renewal
This Policy shall become effective as of the date stated in the Policy Information Statement. The Policy Anniversary shall be one year after the effective date and annually thereafter. On each such anniversary, this Policy is renewable at the premium rates in effect at that time as notified by the Company. This Policy will be renewable at the option of policyholder subject to the terms, conditions and termination at each of the anniversary of the Policy date. The renewal premiums payable is not guaranteed and the Company reserves the right to revise the premium rate applicable at the time of renewal. Such changes, if any shall be applicable to all policyholders irrespective of their claim experience according to the Company’s risk assessment.
This policy is renewable at the option of policyholder until the occurrence of any of the following:
(a)Non-payment of premium or premium not made on time
(b)Fraud or misrepresentation of material fact during application
(c)The Policy is cancelled at the request of the Policy Owner
(d)Total claims of the Policy have reached the lifetime limit specified and/or on the death of the Life Insured
(e)The Life Insured attains the coverage age limit specified in the Policy Information Statement.
(f)Termination of coverage for all policies in a certain market and the Company withdraws this Policy completely from the market in accordance with the Portfolio Withdrawal Condition.

2. 对，ING有权更改policy的条例。但保险公司不能随意更改里面的条文，除非他得到Bank Negara的批准。Bank Negara会负责管制与保护我们。每间保险公司也有类似的条款。

p/s:据我所知，投资连结保单（unit link policy),Bank Negara是不会理会里头的投诉。


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

原帖由 yyhhcc 于 17-7-2009 06:32 PM 发表 Hi,1。请问在sample quotation 内，第几页是说这policy 是 Guarantee Renewal?2。Alterations The Company reserves the right to amend the terms and provisions of this Policy writing by ordinar ...

[ 本帖最后由 anthonyyap 于 18-7-2009 01:50 AM 编辑 ]

yyhhcc

Hi,

2. 对，ING有权更改policy的条例。但保险公司不能随意更改里面的条文，除非他得到Bank Negara的批准。Bank Negara会负责管制与保护我们。每间保险公司也有类似的条款。

p/s:据我所知，投资连结保单（unit link policy),Bank Negara是不会理会里头的投诉。

谢谢您的回复。。

对，每家保险公司都有类似的条，但我想确认的是，这条例好像是针对性的指ING 可以针对‘这’POLICY（ie. 我的policy) 而更改。如果它有写类似第九页，条文三，（。。。shall be applicable to All Policyholders..)  那说法又不同。有鉴于此，如果这alteration 不是针对所有policyholders，而仅仅是‘这policy'，那我们就要谨慎了。。

Such changes, if any shall be applicable to all policyholders irrespective of their claim experience according to the Company’s risk assessment.

anthonyyap

谢谢你的宝贵意见。
但我个人认为，只要是正当的医药Claim,绝对不会有问题的。
不然，如果当我们觉得有任何问题或不妥的更改，我们绝对可以去Bank Negara投诉，Bank　Negara会协助与保护我们的利益。因为这是一个传统保险保单。。。。

原帖由 yyhhcc 于 20-7-2009 10:38 AM 发表 Hi,谢谢您的回复。。对，每家保险公司都有类似的条，但我想确认的是，这条例好像是针对性的指ING 可以针对‘这’POLICY（ie. 我的policy) 而更改。如果它有写类似第九页，条文三，（。。。shall be appl ...

yyhhcc

Hi，

我的想法是，因为这alternation 是写明在policy contract，那我想BN 到时候
也可能无法在短时间内帮上什么忙。Policy 当然还可以claim，但是ING 因为
有这条款，哪在新的一年里把之前的病症加进去exclusion我们也不能反对了。重点是在这。