Medical Card

Insurance Company : Tokio Marine Insurans (M) Berhad
Premium : Premier Medi Partner
Age at the next birthday : 57 years old
(policy renewable up to the age of 75)
Annual Premium : RM 1,487
Overall annual limit per policy year : RM 40,000
Lifetime limit per person : RM 150,000

Cover from : the day proposal form is accepted & upon full settlement except for illness/sickness only where there is qualifying period of 30 days before the insurance commences
Cover outside Malaysia : covered up to 90 days the day which leave Malaysia but in the event of an emergency & for non-chronic illness

Mama is 56 years old this year, age at next birthday is 57 years old
Last few week, our insurance agent call us for a dinner in a sudden,
all of us quite suprise because they must be something that an insurance agent called for dinner....
hehhehe....yip..is really something but she finally discuss about the policy at the last minute when we need to go back...

Our dinner start about 8pm ++ & ending about 10pm++, but the whole conversation is out of the scope of insurance between 8-10, but when we want to go back,
she only start her topic about 10pm & wan to continue her story at our home...My God... By the time, my mum already feel so tired, so we just reject her by state some reasons cos' actually all of us also feel tiring about that...

Actually her plan is to introduce the medical card to my mother...but monthly premium is RM300++.... after thinking & thinking, I think (medical card) is a "need" for each & anyone because the medical fees nowsaday is very very expensive. Once we admitted, everything is $$$ money money money....

Thus, we call her for another appointment in the middle of August.
But finally decision , I bought the medical card from another insurance company,
not from her....the reasons being :
i) her package is too expensive for us
ii) maybe... i think she is too realistic (servicing i think)

After sales service is very vital I think...After we bought the policy,
there maybe quite along time we didn't meet each & another...
& another one is when we needed to know something,
there seem to be not too honest to us...some hiding on it...
regarding this one...I'm not specified to her only...
but i think every insurance company also the same...
cos' some policy....they said pay till this year....but finally have to continue pay until "n" years...due to the economic crisis or.....

Today,I sign up the medical card plan for my mother already....
Thanks to my elder brother who willing to share with me for mama medical card
thus lighten my burden on it...
each person is RM 691.98
total premium RM 1487 less (discount 15% equal to RM 223.05)= RM 1263.95
that is the power of sharing & co-operation...
Thanks gege!!!!

Tokio Marine is given 15% discount for the premium on every year
& the premim is vary every 5 years...
so we have to pay a higher premium for every next 5 years due to the higher risk

Since mama is still healthy & Insurance company still can accept her as an insured person... I think we should just do a prompt action....
There is always a "?" question mark on us...
we will never know what happen next...

Thats y " We need to "APPRECIATE, CHERISH, LOVE & RESPECT"