DWS Agency - AIA

📣 To all my dear AIA Life Planners, never fear in front of challenges! 📣

We all have those days where the challenge seems impossible to overcome or when the built-up problems overwhelm us. Sometimes this type of days seems to appear more often than not.

Whatever the case is, sometimes we just need a motivational lift. A gentle push to encourage us to press on because the harder we work, the more satisfying the results will be. 💯

💊 Medical Insurance 101 #2 💊

Let's take a look at how medical insurance works and answer some FAQs often asked by first-time medical insurance holders! 😊

"How do I use my medical insurance to pay the hospital when I have to do the treatment?" 🤔

Along with a medical card, what is also needed is a guarantee letter, especially for more serious medical cases.

A guarantee letter is a letter of assurance that is offered by the insurer to the hospital confirming that the cost of treatment for the patient will be taken care of by the insurance company. Medical plans are only valid for the treatments for medical conditions that arise after the plan has been implemented.

💊 Medical Insurance 101 #1 💊

Let's take a look at how medical insurance works and answer some FAQs often asked by first-time medical insurance holders! 😊

"Why do I still have to pay my medical bills even though I have a medical card?" 🤔

Most people believe that any medical insurance will cover the total cost of their medical bills when in fact, it depends on your policy. Some policy feature co-insurance and the deductible. o-insurance is a form of cost-sharing or splitting the cost of the medical service between you and your insurance company. The deductible is the amount you pay for covered health care services before your insurance plan starts to pay.

If you want to opt for a medical plan with zero co-insurance and deductibles you could actually select a plan like A-Plus Health.

Whichever medical plans you have or plan on taking, 🤳make sure you contact your AIA Life Planner to understand it properly!

🔎 Insurance Terms #2 🔍

Let's look at some of the common insurance terms that always get thrown around when we discuss about insurance. To find the most suitable plan, we must understand what we are dealing with so we can benefit from it.

✨ Annual Limit ✨

The maximum amount that can be paid out to settle your claims for one policy year. The higher your annual limit, the higher your premium will be.