Just sharing the best GTL insurance I have seen so far that comes with very good benefits & cash value upon maturity. This GTL plan is by Zurich.

Summary in BM

Summary in Chinese

Download the complete brochure here 20150428 – Zurich Smart Care

This will include pandemic disease such as Influenza A (H1N1)

Most medical card only cover up to 90 days, once you are outside of Malaysia.

Most medical card will only pay amount equivalent to the cost of getting the same treatment in Malaysia. Example: Breaking a leg in US cost USD10K to treat while in Malaysia cost RM10K for the same treatment. The medical card will only reimburse you RM10K. Some insurance company do sell additional rider to pay in foreign currency (USD10K in this example) but of course you will have to higher premium.

購買了醫藥保險20余年，當兒子患病及申請醫藥保險時，才獲知兒子所患的疾病不在受保的疾病之中。

⊙朱先生說，他在1990年通過一位保險代理，購買一份信托基金和36種疾病的醫藥保險。

他說，當時，保險代理向他們解釋時說，只要是任何疾病，在有關保險下將會全數獲得賠償。

他指出，兒子最近健康出現狀況，到醫院檢查時被驗出肝臟有問題，必須動手術。

他說，他已根據所有程序進行及呈交醫藥報告給保險公司，索取賠償，但保險代理卻推說兒子所患的疾病並不在保單中36種疾病的其中一種，因此他無法索賠。

“當初他又不是這樣說，但如今又說不能賠，又說當初保單之中已有清楚說明，但有關保單是英文的，我們又不諳英語，也不知內容到底寫了些什么。”

他說，由于不滿保險代理和保險公司，他們要採取什么行動，才能追討回公道。

★陳博雄律師

當事人當初所簽署的是一份合約，而且當事人在簽下合約后，也等同接受保單內容，並不能以沒有閱讀或者是不識英文等，作為不知道內容的理由。

不管保險代理當初與當事人有任何口頭的承諾，但最后還是要以文字，即保單內容為準。

在上述情況下，當事人確實處于比較吃虧的情況中，要追究也相當困難。

但由于醫藥保險中，一般人並不懂保單內的疾病名稱。當事人可向相關醫生詢問疾病名稱，以鑒定兒子所患的是否是在36種受保疾病以外的病症。

Source: http://www.chinapress.com.my/node/448362

MAAKL mutual come out with another similar GTL plan which have the same feature & pricing for it’s investor. By purchasing both product you can now have a combine total of RM1mil sum assured at affordable price.

CLICK HERE to download the brochure.
My previous post on MAAKL Mutual Life Plus

Source: http://thestar.com.my/health/story.asp?file=/2008/4/13/health/20906482&sec=health

Every year, more than 3,000 Malaysians are diagnosed with end-stage kidney failure and have to go for dialysis. Today, over 15,000 Malaysians are on dialysis. This is expected to reach 20,000 by 2010.

LIFE is not easy for wheel-chair bound Sellamah Sinakanu, 68, who has to depend on people like her grandson to take time off work to take her to the dialysis centre. She has end-stage kidney failure.

“I nearly could not get dialysis because my 85-year-old husband is not working and we’ve no money. I’m able to live longer now thanks to the support from National Kidney Foundation of Malaysia (NKF),” Sellamah said.

Lim Ah Chai, 58, was forced to give up his 13-year-old son to his brother when his wife passed away. Six months later, Lim, diagnosed with end-stage kidney disease, had to go for dialysis in order to survive. With no job, he has to depend on NKF for dialysis.

“Dialysis keeps me alive and well so I can continue to lead a normal life. There are days when I feel very sad but my friends will tell me to look on the bright side as my new home is NKF and everyone here is kind to me,” says Lim with a smile.

Today with new friends, he has much to look forward to. He hopes to meet his son one day.

It is estimated that the number of dialysis patients worldwide will increase by 7% per annum.

This may seem alarming but it is living with dialysis that is really devastating. When the shock of the diagnosis subsides, the patient has to adapt to a different way of life.

With impending death constantly on the mind, he or she has to depend on a machine to stay alive, thinking that any day, this too will not be of any use. Although among friends and family, the patient will still feel isolated and a burden to the family. Depression will be a constant companion.

Apart from emotional upheaval, the patient has to go through physical agony. The person will have less energy and needs to make changes in work and home life.

There will be a number of activities and responsibilities which he or she will not be able to perform as much as before. Certain parts of the body may bloat a bit due to oedema (fluid retention), which may be relieved only after dialysis.

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