AIA vs Prudential 医药卡

gsc66_66

请问可有谁研究过prudential和AIA的医药卡？

我的研究是各有千秋。所以不知道该如何选择。

Plan 2(房间钱150）

Coverage Age
AIA= age 100
Prudential= age 80

Annual Limit
AIA=90000
Prul = 62500

Life time Limit
AIA=300k
Pru=187500

co-insurance
AIA=3000 MAX
PRU= 300MIN, 1000MAX

ICU ROOM
AIA=120 days per policy year
PRU= 30days per annexure year

Pre-Hosp benefit
AIA= 60 days prior to hospitalization
PRU= 30 days prior to hospitalization

Post Hosp benefit
AIA= 60 days after Hospitalization
PRU= 90 days after Hospitalization


In Hosp. DR consultation
AIA= 2 time per day
PRU= unlimited

Cancer Treatment
AIA=
12,500 perlifetime
PRU= as charged( co insurance10/90, no have min and max)

Kidney Dialysis Treatment
AIA= 40,000 per life time
PRU = as charged( co insurance10/90, no have min and max)

Service Tax
AIA= Need to pay ownself
PRU= can claims

Extra Benefit at AIA
Additional Hosp Room and Board wilst Overseas(applicable tocountries in North America, European Community and Japan Only)-120days

Daily Cash Allowace at Government Hosp (120 days)- RM45
Daily Guardian Benefit(120 days) =RM90 (for child below age15, parent can claims this benefit)


Extra Benefit at Prudential
Home Nursing Care Benefit (180 days per lifetime)= ascharged ( co-insurance 10/90, no min and max)


应该是这样，如有错请跟我讲，或还有补充。
你们会选那个卡呢？排除代理的服务态度。

nic58191

原帖由 gsc66_66 于 6-8-2008 09:52 AM 发表

Plan 2(房间钱150）RM200

Coverage Age
AIA= age 100
Prudential= age 80
Allianz=age 80

Annual Limit
AIA=90000
Prul = 62500
Allianz = RM75,000

Life time Limit
AIA=300k
Pru=187500
Allianz = RM750,000

co-insurance
AIA=3000 MAX
PRU= 300MIN, 1000MAX
Allianz = 没有(除了住超过R&B的价钱，就必须承担20% of total bill or RM1000max)

ICU ROOM
AIA=120 days per policy year
PRU= 30days per annexure year
Allianz = 50 days per confinement

Pre-Hosp benefit
AIA= 60 days prior to hospitalization
PRU= 30 days prior to hospitalization
Allianz = Pre-Hospitalization Diagnostic tests(within 31days prior to hospitalization)
                Pre-Hospitalization Specialist Consultation(within 31days prior to hospitalization)

Post Hosp benefit
AIA= 60 days after Hospitalization
PRU= 90 days after Hospitalization
Allianz = within 60days following discharge from hospital

In Hosp. DR consultation
AIA= 2 time per day
PRU= unlimited
In-Hospitalization Physician Visit - for non - Surgical disability

Cancer Treatment
AIA=12,500 perlifetime
PRU= as charged( co insurance10/90, no have min and max)
Allianz = As Charged

Kidney Dialysis Treatment
AIA= 40,000 per life time
PRU = as charged( co insurance10/90, no have min and max)
Allianz = As Charged

Service Tax
AIA= Need to pay ownself
PRU= can claims
Allianz = can claim

Extra Benefit at AIA
Additional Hosp Room and Board wilst Overseas(applicable tocountries in North America, European Community and Japan Only)-120days

Daily Cash Allowace at Government Hosp (120 days)- RM45
Daily Guardian Benefit(120 days) =RM90 (for child below age15, parent can claims this benefit)


Extra Benefit at Prudential
Home Nursing Care Benefit (180 days per lifetime)= ascharged ( co-insurance 10/90, no min and max)

Extra Benefit at Allianz
R&B(150 days per anyone disability)
Home Nursing Care(max 180 days per lifetime)
Ambulance Fees
Emercency Accident Out-patient Treatment & 30days follow up treatment(Annual Limit)

gsc66_66

原帖由 nic58191 于 6-8-2008 10:25 AM 发表


Plan 2(房间钱150）RM200

Coverage Age
AIA= age 100
Prudential= age 80
Allianz=age 80

Annual Limit
AIA=90000
Prul = 62500
Allianz = RM75,000

Life time Limit
AIA=300k
Pru=187500
Al ...

Allianz 的我也知道， 但是好像有很多漏洞， 而且我也不大了解保单。 它还新， 不知道靠不靠得住。

junejune777

PRU的好像没有独立的医药卡？？

junejune777

请问是独立的医药卡吗？？？

boeytan

AIA 首rm22000 是co insurance free.

gsc66_66

原帖由 junejune777 于 6-8-2008 12:33 PM 发表
PRU的好像没有独立的医药卡？？

但是， aia 有

gsc66_66

原帖由 boeytan 于 6-8-2008 12:36 PM 发表
AIA 首rm22000 是co insurance free.

对。所以是
22000=free
30000=co-insurance(max 3000)
38000-free

junejune777

原帖由 boeytan 于 6-8-2008 12:36 PM 发表
AIA 首rm22000 是co insurance free.

超过22K是多少%CO INSURANCE？

nic58191

原帖由 gsc66_66 于 6-8-2008 12:22 PM 发表

Allianz 的我也知道， 但是好像有很多漏洞， 而且我也不大了解保单。 它还新， 不知道靠不靠得住。

有什么漏洞？你跟我讲啦，我回去跟公司反应下。
你不了解，我可以跟你解释阿。
新？？？

Allianz Life Insurance Malaysia Berhad is a member of Allianz, one of the world’s leading providers of insurance and financial services. Founded in Germany in 1890, Allianz is a global leader in insurance and financial services and provides its more than 60 million customers worldwide with a comprehensive range of services through an international network of 700 subsidiaries, joint ventures and affiliates.

https://life.allianz.com.my/cls/index_a.aspx?t=1

[ 本帖最后由 nic58191 于 6-8-2008 03:01 PM 编辑 ]

nic58191

原帖由 junejune777 于 6-8-2008 12:35 PM 发表
请问是独立的医药卡吗？？？

Allianz Powerlink不是独立医药卡。

nic58191

原帖由 gsc66_66 于 6-8-2008 12:54 PM 发表


对。所以是
22000=free
30000=co-insurance(max 3000)
38000-free

但是Allianz没有。只要你没有住超过指定的R&B，就可以了。

馨凌

原帖由 boeytan 于 6-8-2008 12:36 PM 发表
AIA 首rm22000 是co insurance free.

是的..

gsc66_66

原帖由 junejune777 于 6-8-2008 02:48 PM 发表


超过22K是多少%CO INSURANCE？

上面有写了，最高3000

nic58191

原帖由 gsc66_66 于 6-8-2008 05:15 PM 发表


上面有写了，最高3000

在市场上，allianz的医药卡蛮畅销的哦。。。

ss123

1。 aia的请看surgical的benefits再说。
2。 prudential的outpatient is follow 10% or min 300, max 1000的
3。 10% 的co-insurance很重要吗？我觉得这是保障顾客的钱，以免让一些小小事也要进院claim的人弄到保险费提高。此外，10%的co-insurance其实可以re-imbursement回的，像我的policy， 如果我住院十天，手术费15k，15k的10%是1，500，但是我只需付1k。对，1k也是有点心痛，但是pru会reimburse我 4，000, 我还有3k拿

yksyks

哇~AIA的co -insurance 要rm 3000 证明多 为何我爬贴有人猛推荐

ss123

aia的医药有好几个version吧

yksyks

是吗？我爬贴没有看到，我不懂啊

ss123

不是爬帖的。是看过好几个CLIENTS的AIA POLICY的。