【保险讨论区】Allianz 安联

yyhhcc

回复 40# masahero


    Hi Masahero, 谢谢你的恢复。。你是否遗漏了2)  Can Allianz refuse my renewal on any year if I have a prior claim experience in the previous year?
如果我在过去一年前有索赔的经验，安联可以拒绝我明年的更新吗?？

或许你的答案是包裹了）没有loading; 而且也保证‘更新’-除非再apply...

对吧？

masahero

回复  masahero


   Hi Masahero, 谢谢你的恢复。。你是否遗漏了2)  Can Allianz refuse my renewal on any year if I have a prior claim experience in the previous year?
如果我在过去一年前有索赔的经验，安联可以拒绝我明年的更新吗?？

或许你的答案是包裹了）没有loading; 而且也保证‘更新’-除非再apply...

对吧？
yyhhcc 发表于 18-1-2010 01:06 PM

Is there any possible Terms and Conditions on "Renewals" that would lead the “Allianz medical card Plan” policy is not renewed ?

renewable condition

a) non payment of premium or no premium not made in time

b) Fraud or misrepresentation of material fact during application

c) the policy is cancelled at the request of the owner

d) total claim pf the policy have reached the lifetime limit or death of the life assured

e) life assured the coverage age limit specified

f)termination of coverage for all policies in a certain market and we withdraw this policy completely from the market in accordance with the portfolio withdraw condition

这些是allianz  renewable condition~

A) 没有准时还保费

B) 欺骗保险公司在apply 时 如（隐藏病情）

C) 保客自己要求断保

D) 已经over life time limit

E) 已经覆盖岁数的limit

F）市场已经没有人在卖时 将会收会这些product 不在卖了

这样比较准确

kteng7739

回复 42# masahero
看看policy 最后一面，还有condition

masahero

回复  masahero
看看policy 最后一面，还有condition
kteng7739 发表于 18-1-2010 11:34 PM

这个是stand alone medical de

yyhhcc

Customer Service 回复我说 deductible 是 per-admission..

是不是说如果选deductible RM10000 的计划，如果一年内进医院三次，而且三次都超过RM10000，客户就嘚先付RM10000X3 的钱 ，其余的再找allianz 付？

masahero

Customer Service 回复我说 deductible 是 per-admission..

是不是说如果选deductible RM10000 的计划， ...
yyhhcc 发表于 19-1-2010 10:32 AM

不要意思这个我没有goto deductible
因为太乱了
很容易confused
而已还有自己给钱先，不是好的product

kteng7739

回复 44# masahero
都一样， 都有关键的‘那面’

masahero

回复  masahero
都一样， 都有关键的‘那面’
kteng7739 发表于 19-1-2010 12:20 PM

renewable condition

a) non payment of premium or no premium not made in time

b) Fraud or misrepresentation of material fact during application

c) the policy is cancelled at the request of the owner

d) total claim pf the policy have reached the lifetime limit or death of the life assured

e) life assured the coverage age limit specified

f)termination of coverage for all policies in a certain market and we withdraw this policy completely from the market in accordance with the portfolio withdraw condition

这些是allianz  renewable condition~

A) 没有准时还保费

B) 欺骗保险公司在apply 时 如（隐藏病情）

C) 保客自己要求断保

D) 已经over life time limit

E) 已经覆盖岁数的limit

F）市场已经没有人在卖时 将会收会这些product 不在卖了

就这些罢了

如果你发现还有就写出来

kteng7739

回复 48# masahero

masahero

回复  masahero
kteng7739 发表于 19-1-2010 05:57 PM

因为因素而造成的～才会发生的
上次已经解释过了～

kteng7739

回复 50# masahero
那句子在保单里面找到，不管我用英文，华文，马来文的角度来看。 都觉得。。。。 。。
不管如何，你喜欢就好

yyhhcc

不要意思这个我没有goto deductible
因为太乱了
很容易confused
而已还有自己给钱先，不是好的prod ...
masahero 发表于 19-1-2010 12:10 PM

    deductible 的用处不是一定说是自己先给钱。。。Deductible 的plan 非常适合打工一族。。研究研究？

masahero

deductible 的用处不是一定说是自己先给钱。。。Deductible 的plan 非常适合打工一族。。研究研究 ...
yyhhcc 发表于 19-1-2010 10:24 PM

一般的是不用给钱


有关 deductible我曾经也问过我的其他同事
他们也是没有研究 so 我不敢乱给information 的下错了就不好对



这个是在网络拿到的他的解释是这样

A deductible is a specific dollar amount that your health insurance company requires that you pay out of your pocket each year before the health insurance company begins to make payments for claims. As an exception, not all health medical plans have a deductible such as an HMO or a zero dollar deductible plan. However, most PPO and Indemnity plans typically do require a deductible in their plans to keep premiums affordable.

The deductible is an annual amount per insured person; there will be a maximum amount of deductibles you will have to pay in a given year. In regards to family coverage in health medical plans, your family will have an out of pocket expense by an amount of two to three times your individual deductible to satisfy first before the health insurance company pays for your claims.

For example, if the per person deductible is $1000, and you have four people in your family covered under your health insurance, the maximum family deductible will usually be $3000. Once the people in your family have paid out a $3000 deductible, no more deductibles will apply to any member of the family for the remainder of the year.

The insurance company does have a maximum of per person deductibles per policy. This can very with each policy and company is different regarding their maximum deductible and out of pocket maximum. In some health medical plans the deductible does apply to the maximum of pocket, and in other polices it is consider separate from the annual maximum out of pocket. Please be sure to read the specifics of your policy with your health medical plans company.

Health insurance deductibles can vary and will be effect your insurance premiums. By adjusting your health medical plan deductible you premiums will either increase or decrease. Typically if you increase your deductible you will lower your premium. New High Deductible Health Plans can save you and your family premium dollars over time.

yyhhcc

很多代理都不想卖deductible 的plan, 原因只有因为它CHEAP，没什么赚头。。ha!  但对打工一族，公司已经享有一张BASIC 的医药卡，这deductible 就很好用了。

masahero

很多代理都不想卖deductible 的plan, 原因只有因为它CHEAP，没什么赚头。。ha!  但对打工一族，公司已经享有 ...
yyhhcc 发表于 20-1-2010 10:40 AM

我的manager 没有准确的 资料他说他乱鸟 叫我不用study
我之前有 request 我的head training 这个。。。。

因为我没有deductible plan 的经验我也不敢乱解释
抱歉 暂时回复不到你的答案
我 会尽量去找更多的资料～

catherine_5566

想请你们帮我看看这保单：
POwerLink  50,000.00
total and permanent Disability  50,000.00
PayorCover  1,200.00
HealthCover  PLus  80,000.00
Medicover  100.00

如果住院的话，有没有要先给钱才能进院吗？
还是不用给~~直接住院的~~

masahero

想请你们帮我看看这保单：
想请你们帮我看看这保单：
POwerLink  50,000.00
total and permanent Disability  50,000.00
PayorCover  1,200.00
HealthCover  PLus  80,000.00
Medicover  100.00

如果住院的话，有没有要先给钱才能进院吗？
还是不用给~~直接住院的~~
catherine_5566 发表于 20-1-2010 11:00 PM

第一的保费和你的cover 不balance很快就会over limit 然后还要 top up 而且你fund 的value 很快就会没有到时没有保障了要注意
建议你的 health cover plus 降低 因为不一定拿到的东西
可以加PA 因为很便宜
住院是不用给钱先 的只要是在panel list 里的医院
还有尽量不要进贵过medical cover Room 的price 不然会有20%co-insurance (不过最多是给co-insurance max RM1000)
如果可以的话叫你去换一换你的powerlink 的 rider 谢谢
or 增加保费

catherine_5566

谢谢你的建议~~其实这份保单，我比较在意的是医药卡，而其他的是附属而已.

masahero

回复 58# catherine_5566
如果医药卡要Room RM200最好是一个月保费 RM150 的会比较好
不然RM100一个月的其他要减少很多～

[风]少爷

请问，Allianz 的medical card 里的所有疾病都有ceiling price 吗？