医药卡动摇

我开始动摇。。。我才了解【大东方】医药卡的Co-Insurance Ulimited 20%。
我应该拿R先生的升级到SM200。。G保险费又是多少？？
P保险费是比G来得昂贵。。。


PRUDENTIAL ASSURANCE
*Prudential 没有像大东方有unlimited 20%。
不管Prudetial 的病房有没有住超过原有的配套，只需给co-ins 10% （MIN RM300 and MAX RM1000)

*PRUDENTIAL 病房的配套已包括Intensive Care Unit (ICU)的病房了，顾客不需另外自己付款！
但需注意：30 days per confinement而已！！
30 days per confinement， 我没有真确的翻译。。
只是说明每件事故需要住ICU时，最多可保高达30天而已。。。

Room & Board ～RM 100

You will have to pay 10% of the total cost of an eligible benefit (excluding daily room & board), subject to minimum coinsurance amount of RM300
and maximum coinsurance amount of RM1,000 for Hospital & Surgical Benefit and maximum coinsurance amount of RM2,000 for Outpatient
Treatment Benefit. The Company reserves the right to revise the minimum and maximum coinsurance amount once in every 12 months, by giving 30
day notice.
(2) PRUmedic overseas
We will bear the total cost of an eligible benefit up to annual limit for treatment/ hospitalisation of covered conditions in Singapore, Hong Kong and




GREAT EASTERN INSURANCE
*As Charged (subject to 10% co-insurance up maximum of RM500;
If upgrade R&B ,20% co-insurance with no maximum cap*

SM150 就是 SmartMedic RM１５０：
例如：
１） 医药卡是 SmartMedic RM１５０ 病房的配套，却住入 RM２００的病房。如果医药费是RM５００００，co－insurance 就是 RM１００００ （２０％ unlimited），还没包括病房的一天RM５０也是自己要出。

２） 医药卡是 SmartMedic RM１５０ 病房的配套，却住入 RM１９９的病房。如果医药费是RM５００００，co－insurance 就是 RM５００ （１０％ 或最多 RM５００），还没包括病房的一天RM４９也是自己要出。