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[Tempatan] Premium insurance pulak NAIK harga. 30 peratus!

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Author: R2D2       Show all posts   Read mode

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Post time 15-1-2020 12:16 PM | Show all posts |Read mode
Insurance companies announce higher premiums as healthcare costs go up
January 15, 2020 11:43 AM


PETALING JAYA: Malaysians will be paying higher medical insurance premiums this year, as major insurance companies cite a spike in healthcare costs, FMT has learnt.

Insurance companies and agents told FMT that the move was inevitable in view of high inflation in medical and hospitalisation costs in recent years.

They also said the increase in premium, said to be up to 30%, was due to technological advancement in treatments as well as an increase in patients.

With the number expecting to rise further and outpace the general inflation rate, we have to make the necessary adjustments to your medical plans premiums so that they can keep up with healthcare inflation, said AIA Berhad in a notice sent to its customers this week.

When contacted by FMT, an insurance agent with AIA confirmed the increase, while another from Zurich Malaysia said the company had started to inform clients of the revised rates.

We have received calls from our clients asking why they are required to pay more for their medical plans, he said.

When contacted, Zurich Malaysia rebuffed an FMT request for details on the price hikes.

Last year, a survey on medical trends by global insurance consultants Willis Towers Watson found that Malaysia ranked among the highest in South East Asia in terms of expected increases in medical costs.

The General Insurance Association of Malaysia (PIAM) had reported that total health expenditure in 2018 was RM60.147 billion, of which 52% was funded by the government and the rest paid by private households (35%), private insurance (7%), corporations (4%) and other agencies (2%).

If healthcare costs are not contained, the increase in premiums for medical and health insurance will be inevitable, PIAM had said.

If medical insurance is no longer affordable, it will drive more patients to seek treatment at government hospitals.

Although medical insurance can come in all shapes and sizes, most policies these days are comprehensive, with policy holders given medical cards for admission to hospitals.

The latest premium increase is on top of the regular revisions based on the age factor.

With a typical standalone policy, a policy holder can expect the premiums to go up, often according to five-year age bands.

An AIA spokesman said all medical plans in Malaysia were priced by actuaries but insurance companies would also factor into the price an inflation rate of 6% to 8%.

He said the expected increase in claims for 2019 was 13%. As a result, he added, insurance companies had had to revise their premium costs upwards.

He advised policy holders to exercise wisdom as consumers.

Even if your hospital bill is covered by your insurance policy, the cost of each treatment will count towards your yearly and lifetime limits, he said.

In the end, lower claims will result in lower premiums for all policy holders.

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Post time 15-1-2020 01:43 PM | Show all posts
xpe...mysalam 8000 kan ade
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Post time 15-1-2020 01:44 PM | Show all posts
amalkan gaya hidup sihat
gemuk is not ausome
berisi is
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Post time 15-1-2020 02:06 PM From the mobile phone | Show all posts
Apa beza prenium insurance dengan insurance biasa?
Qpa kelebihan nya ya?
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Post time 15-1-2020 03:08 PM | Show all posts
rm30 yg kera jaan bagi tu cukup la nak bayar 30% ni
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Post time 15-1-2020 03:11 PM | Show all posts
korang yg ambik insurans ni, memang jadi hamba insurans jer la bayar tiap bulan.
bila insurans sebut naik 30%, memang kena bayar jer la tanpa banyak soal.
nak quit sayang la pulak kan, dah bertahun bayar.

aku rasa insurans ni macam scammer pun iyer jugak.
client takde pilihan, terpaksa bayar w'pun naik berapa sekalipun.
or terpaksa quit, dan duit burn banyak,
especially kalau quit bila insurans tak sampai 7 tahun.
sebab 90% yang di bayar tiap bulan, buat bayar komisyen agent yang ada beberapa level.

tengok channel Dave Ramsey,
tengok mcm mana dia telanjangkan company insurans nih.
agent insurans mmg berbulu dengan atok nih.


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Post time 15-1-2020 03:22 PM | Show all posts
Edited by brego at 15-1-2020 03:34 PM






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Post time 15-1-2020 03:35 PM | Show all posts
pedehal

RM30 ada dalam e wallet

kata mahacai knights dan rakan2 gua dia
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Post time 16-1-2020 02:00 PM From the mobile phone | Show all posts
shernazz replied at 15-1-2020 02:06 PM
Apa beza prenium insurance dengan insurance biasa?
Qpa kelebihan nya ya?

Biasanya kalau sebut premium insurans , premium tue payment. Premium insurans dan insurans biasa adalah sama. Istilah sahaja yg pelbagai. Yg naik nie melibatkan medikal kad sahaja. Dari apa yg saya bacalah. Kalau melibatkan takaful atau insurans hayat, harga maintain tak naik. Kalau medikal kad stand alone memang akan nampak kenaikannya. Kalau takaful atau insurans yg ada cash value (investment link) kenaikan tak ketara kerana pihak syarikat akan ambik dari tabung cash value untuk cover kenaikan medikal kad.

Just my 2 cents komen
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Post time 16-1-2020 02:06 PM | Show all posts
brego replied at 15-1-2020 03:11 PM
korang yg ambik insurans ni, memang jadi hamba insurans jer la bayar tiap bulan.
bila insurans sebu ...

tahu agent akan dpt komisen, tapi tak tahu la pulak percentage sampai 90%
good info

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Post time 16-1-2020 02:15 PM From the mobile phone | Show all posts
mbk replied at 16-1-2020 02:00 PM
Biasanya kalau sebut premium insurans , premium tue payment. Premium insurans dan insurans biasa a ...

Tq tq
Baru iols tau
Haha
Maklum.la..iols xterlibat dlm oembayaran menda ni..suri rumah saja..kiki..
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Post time 16-1-2020 02:18 PM | Show all posts
dasat zaman PH. asyik berita negatif.  tak da benda yg positif.
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 Author| Post time 16-1-2020 02:22 PM | Show all posts
brego replied at 15-1-2020 03:11 PM
korang yg ambik insurans ni, memang jadi hamba insurans jer la bayar tiap bulan.
bila insurans sebu ...

subscribers dia je dah cecah 1.47 juta

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Post time 16-1-2020 02:51 PM | Show all posts
maybank baru je call konon nak beritahu info pasal "perlindungan personal accident" mula2 kata nak beritahu je untuk makluman pelanggan gitu. Dia dah sembang 10 minit tapi kemudian taknak lepas pulak bila i kata 'i baca kat website n kalau i berminat nanti i tekan butang beli online jelah ok'. 40 ringgit lebih je sebulan la. kemalangan tak berbau la. amende la..
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Post time 16-1-2020 03:23 PM From the mobile phone | Show all posts
salah satu sebab kenapa iols masih bertahan berbelas tahun di co. ni..disepak terajang...uaaaaaa...pasal co. cover medical hospitalisation anak beranak any penyakit..kematian pon ada. kalau bayo sendiri premium...mmg beratus2 tuk medical  sahaja.
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Post time 16-1-2020 03:31 PM | Show all posts
brego replied at 15-1-2020 03:11 PM
korang yg ambik insurans ni, memang jadi hamba insurans jer la bayar tiap bulan.
bila insurans sebu ...

menarik komen Abg ni ... banyak fakta yg menarik ....

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