Medical Card - Per disability vs Per policy year

steveday — Thu, 05 Oct 2017 12:45:00 +0800

Dear All Sifu,

I have a dilemma in Medical Insurance term.
Some of the medical insurance IN-PATIENT & DAYCARE SURGICAL PROCEDURE is based on "Per disability" with Total number of 180 days, while some are based on "Per policy year" with maximum of 180 days per policy year. What is the different between this 2 term?

From my understanding,

1. "Per disability" with Total number of 180 days :
For Every disability, we could claim for up to 180 days per annual. Thus we could claims for another 180 days for second disability. And for the same disability, we can claims 180 days again for the subsequent year.

2. "Per policy year" with maximum of 180 days per policy year :
We are limited to a total of 180 days per policy year regardless of how many disability we get.

In comparing of both term, it sound like "Per disability" would be more better, because it allow us to claims for more than 180 days per year.
Am i correct?

Medical Card and Early Critical illness

steveday — Wed, 23 Aug 2017 17:11:21 +0800

Dear Sifu,

i'm looking for standalone medical card and early critical illness insurance as an add-on to my insurance protection. Please quote me.

Male, non smoker, age 37. work in office.

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Medical Card - Per disability vs Per policy year

Medical Card and Early Critical illness