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Edited by zac0927 at 11-12-2018 08:43 PM
Hi,
I'm a full time Insurance Advisor from Great Eastern Life Assurance with several years of experience in Insurance industry for saving plan, protection plan and medical plan as low as RM3 per day.
Insurance is actually a risk sharing medium among the a group of healthy people with the sick one because the group of healthy people knows that someday someone will help them when they need it.
So now let's talk about Life insurance vs medical insurance
Life insurance is the lump sum of payment given out when one diagnose with certain pre-defined covered event such as Death/Total&Permanent Disability and 36 Critical Illness.
Medical insurance is the coverage by the insurance company to pay for the medical bill from the hospital.
So why does one need both Medical and Life insurance?
Imagine that Mr.Lee poo poo got blood and went to hospital for checkup, he is diagnosed with bowel cancer stage 3 after the checkup. The medical bill cost up to RM70,000 for the surgery. This is not the whole amount yet, because for every chemotherapy in the future for almost twice per week, the bill is claimable under his medical card too.
The story hasn't ended yet, since he is hospitalized for about 10 days, the doctor has certified that he is not fit to work for the next 6 months. The next thing he knows is his boss asked him to have a "good long rest". So, he loss his income generate power, and here comes the pay cheque from the insurance company to help him sustain his living expenses, car loan, property loan, MLM health product, Ogawa massage chair, practice Taichi or ask bomoh. Here comes the importance of Life insurance, especially Critical Illness coverage.
How Do You Get the Most Out of Your Health Insurance?
Insurance is not only helping you when you fall sick, in Great Eastern you can enjoy the additional benefit such as subscript True Fitness 2 one-year membership for the price of one, 20% off for GNC product, 10% off on World of sport for new arrival item etc..
All these you can enjoy when you are a Great Eastern policyholder. Go to the link below to view the full listing.
https://livegreat.greateasternlife.com/my/herooffers.htm
https://livegreat.greateasternlife.com/my/m...erofferpage.htm
Besides this, you can use up to Life/KWSP RM6000 and Medical/Education RM3000 tax relief to lessen your burden when paying for Income Tax, it's a win-win situation for both policyholder and the company.
We have just launched the best premier medical card in Malaysia, below is the main advantage of the medical card compare to other company.
1. No Co-Insurance for whatsoever reason.
2. Annual limit as high as RM990,000 to RM1,760,000, Yes, it's annual limit not lifetime limit.
3. Unlimited lifetime limit.
4. Automatic 10% increase in Room & Board in every 3 years.
7. Post-Hospitalisation Treatment as long as within 180 days after hospital discharge. Longest post treatment in Malaysia!
8. In hospital physician visits of twice per day.
9. Can stay in hospital up to 180 days per policy year.
10. Can stay in Intensive Care Unit (ICU) for 180 days per policy year.
11. Pre hospitalization coverage of 60 days.
12. The basic plan to which this medical card is attached to provides 1% increase in basic sum assured free of charge every year. Let say the basic sum assured is RM200,000 and your annual premium is RM2,000. You pay RM2,000 annually, you get RM200,000 protection plus RM2,000 free additional protection every year.
Why Great Eastern?
Great Eastern is the oldest(106 years) and has the largest assets of RM53billion(as at 2012 Jan). Why this is important? Well, this is important because insurance is a long term commitment and company's sustainability is vital for claims.
Source: Bank Negara Malaysiahttp://www.bnm.gov.my/files/publication/dgi/en/2012/L3.xls
What is so different in Great Eastern plan?
We give the highest availability days in medical card, our card can use up to 180 days in a year. (compare to other insurance company average 120 days). Our Kidney Dialysis and Cancer treatment are using annual&lifetime limit(some other company do impose lower limit for post hospitalization.
Beside these, what else is special about Great Eastern?
Our fund are one of the best in town, good fund will generate better cash value.
Source: Google Dochttps://docs.google.com/open?id=0B0kH0-y71uJ8bUxkVXY2QUhFeFU
Well, I can buy from other Great Eastern agent right?
I'm a Actuarial Science graduate and have worked as underwriter in insurance industry for 3 years. I know how insurance works inside out, claims related matter will be able to speed up especially I know many of the staffs (they were my colleague) who can help me in my current career.
I would really appreciate if you could simply pm me to talk further.
Give me a text me at: http://chatwasap.com/b19a8e |
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Post time 11-12-2018 08:34 PM
变色卡
