April 23, 2012

Tokio Marine Life Health Care Supreme Schedule of Benefits & Premium Table

Health Care Supreme is a yearly guaranteed renewable medical and health insurance rider that can be attached to individual life and investment-linked policies from Tokio Marine Life. This medical plan is renewable up to age of 80.

The unique selling points of this medical card are as follow:
  1. Insured can opt to increase room & board by 50% with a loading of 7.5%. For example, if you purchased a medical card with room & board rate of 200, you can enhance your medical card by adding the upgrade room & board option to increase room & board limit to 300 at the cost of 7.5% more premium.
  2. Insured can opt to increase annual limit by 50% and lifetime limit by 100% with a loading of 5%. For example, if you purchased a medical card with room & board rate of 200, you are entitled to annual and lifetime limit of 100,000 and 400,000 respectively. You can enhance your medical card by adding the upgrade annual & lifetime limit option to increase annual & lifetime limit to 150,000 and 1,500,000 at the cost of 5% more premium.
  3. Up to 15% discounts on premium for no claims discount from third year renewal onwards.
The advantages of Tokio Marine Life Health Care Premium medical card is listed as below:
  1. Guaranteed renewable up to 80 years old.
  2. No co-insurance.
  3. Up to 15% no claims discount from 3rd year renewal onwards.
  4. A good list of panel hospital.
  5. Options to upgrade room & board, and annual & lifetime limit with additional premium.
The disadvantages of Tokio Marine Life Health Care Premium medical card is listed as below:

  1. Not value for money if didnt upgrade  room & board and annual & lifetime limit.
  2. Very low limit for cancer and kidney dialysis treatments.
In the sections below, you will find the schedule of benefits, and premium table for medical rider of traditional life insurance and investment-linked policy. There are four medical plans to choose from, depending on the room & board rate.

Health Care Supreme Schedule of Benefits & Premium Table

Tokio Marine Life Heatlh Care Supreme Schedule of Benefits & Premium Table

Disclaimer: The information published is for your reference only. Please refer to your insurance agent for the most up to date information.

10 comments:

Anonymous said...

haha i see you found your time on doing it.appreciate it alot.but is it possible you compile it together with your medical cards comparison?i find that really helpful..thanks so much big guy :D

Pat said...

may i know it if i add this rider into the ACM SURE 12 basic policy and at the end of 12th policy year, should i need to continue to make the payment for the premium of this med card rider?
My fren introduces this plan to me where she told me after 12 years, i may have a guaranteed cash income of 5% from basic sum assured (if bsa is RM20000, then i entitled for RM1000/ year) and no more premium to be made as well as for the medical card. Is it true? bcoz i see the premium charge is quite high and it doesn't make sense that we may have a free lunch (med card protection) until age of 80 (with only 12 years of med card premium made)
Hope to hear from u soon ",

jutamind said...

Hi Pat,

You need to refer to your agent for details. I have no info on the ACM SURE 12 policy that you mention about.

Pat said...

Thank you so much.. since my fren's fren mentioned no more premium should be made, but i found it doesn't make sense... anyway, thank you so much for ur sharing and spontaneous reply ",

sh33poh said...

Hi jutamind,

Could u pls send the "Health Care Supreme Schedule of Benefits & Premium Table" to my email please? couldn't view the attachment here. Thanks a lot.

jutamind said...

Hi sh33poh,

Give me your email address and i will send you the image file

ws said...

HI Jutamind, can you send the "Health Care Supreme Schedule of Benefits & Premium Table" to my email as well? Thanks a lot.
(my email: wschin18@gmail.com)

Soo Cheng Chuah said...

Hi Pat,
As i knw ACM sure 12 need to pay your medical card premium only after 12 yrs untill age 80.

Unknown said...

Hi.
I'm Joe.just read Ur comment.after 12 yrs,u can choose to use Ur cash payment to pay for Ur medical card.But in the end,Ur saving will be lesser.

Unknown said...

Hi.
I'm Joe.just read Ur comment.after 12 yrs,u can choose to use Ur cash payment to pay for Ur medical card.But in the end,Ur saving will be lesser.

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