Thursday, June 23, 2016

Flash Plus 2 oh Flash Plus 2

Another competitor for Xiaomi Note, Flash Plus 2:

Only RM 599 offer at http://www.lazada.com.my/flash-plus-2/

Specs:

Now you need 2 GB ram and 16 GB ROM

Competitor:
Redmi Note 2 - RM 649

MediaTek Helio X10 octa-core 64-bit processor

  • MediaTek Helio X10 octa-core CPU, 2.0GHz
  • Power VR G6200 GPU

2GB RAM

  • LPDDR3

16GB Flash

  • Up to 32GB expandable MicroSD memory

SIM slots

  • 2 x micro SIM slots

3060mAh battery

  • Lithium-ion polymer battery
  • 3060mAh (typ) b3020mAh (min)

REDMI NOTE 3
http://www.mi.com/my/note3/

Spec:
2GB + 16GB
Snapdragon 650, 64-bit hexa-core 1.8GHz
Adreno 510
2GB dual-channel LPDDR3 RAM
16GB eMMC 5.0 Flash
4000mAh / 4050(typ)
0.3s fingerprint unlocking
4G hybrid dual SIM, up to 32GB microSD support
RM 749

Tuesday, June 21, 2016

Kelisa Air Cond Blower oh Kelisa Air Cond Blower

My wife car air cond malfunction. This is because of the blower spoilt.

So today I went to fix the car and some other parts.

Air Cond Blower - RM 140






Speaker RM 60 - include installation
Internet only sell RM 35 exclude installation
http://www.mudah.my/Orasonic+6+1+2+dual+cone+speaker+150+watts-45488098.htm



Brake pad - RM 60 include workmanship



- Lelong price : http://www.lelong.com.my/kx/kelisa+brake+pad.htm


Wiper China brands - RM 18

Audio bank Silicone type - RM 68 - didn't change



According to the Mechanics, the air cond not so cold, he suggest to change 
the Air Cond Filter and Refill Gas. Suppected leakage at the air cond filter.

Air Cond Receiver Drier Filter - RM 60
Refill Gas R134A - RM 60 - normally the gas meter show 50, currently show 40
Workmanship RM 10
Total RM 130
Next round ...

Reference Price:
http://jalanialbarawiy.blogspot.my/2011/05/service-air-conditioner-kelisa.html

2011 Price:
Cooling Coil Service  RM45
Gas R134A               RM75
Oil Compressor         RM38
Kelisa Blower Motor RM170
Upah Pasang Blower RM15
Expansion Valve        RM75



Thursday, June 16, 2016

Best Medical Card in Malaysia oh Best Medical Card in Malaysia

I am struggling through to find the Best Medical Card in Malaysia, luckily I met CF lieu, my problem solved.
Some excerpt from article:
"We are not obligated or limited to only recommend 1 single product which we represent like an insurance agent. Clients literally adore us for being able to source & compare objectively – the best life and health insurance products which suit their needs without being pushy to fulfill sales quote like a tied agent."


1) Comparison table of the Allianz, AIA, Great Eastern, Manulife & Prudential Medical Insurance
best health insurance malaysia
AIA
Allianz
GreatEastern
Manulife
Prudential
Lonpac
Insurer X
Product name
A Plus Med
Medisafe Infinite
SmartMedic Xtra 99
ManuMedic Link+
PruValueMed
Smart Medi 2.0
?
Rider or Standalone
Rider
Rider
Rider
Rider
Rider
Standalone
?
Death & TPD amount (RM)
19,000
103,000
12,000
10,000
10,000
0
?
Cover up to age
100
91
99
99
90
80
?
Room & Board (R&B) rate RM
300
300
300
As Charged
300
350
?
R&B/ICU Days per year
120
150
180
No limit
90
No limit
?
Pre & Post Hospitalization days per year
60/120
90/90
60/90
60/90
60/90
31/60
?
Co insurance
No
No
No
No
No
No
?
Co payment for R&B upgrade
No
20% of eligible benefits, limited to RM 1,000 per disability
No
10% of eligible benefits, subject to minimum RM 350 but limited to RM 1,500 per disability
No
20% of eligible benefits, no limit
?
Outpatient cancer treatment RM
900,000 per lifetime, shared w/ outpatient kidney dialysis
Per AL & LL
Per AL & LL
700,000 per lifetime
1.5 million per lifetime, shared w/ outpatient kidney dialysis
156,000 per year
?
Outpatient kidney dialysis RM
900,000 per lifetime, shared w/ outpatient cancer treatment
Per AL & LL
Per AL & LL
700,000 per lifetime
1.5 million per lifetime, shared w/ outpatient cancer treatment
156,000 per year
?
Outpatient stroke RM
No
No
No
700,000 per lifetime
No
No
?
Outpatient dengue treatment RM
3,000 per event
Per AL & LL
No
700,000 per lifetime
No
No
?
Outpatient alternative treatment RM
10,000
3,000 per year, subject to 300/day & 1 visit/day within 30 days discharge from hospital
No
No
No
No
?
Outpatient co insurance
No
No
No
No
No
No
?
Annual limit (AL) RM
1.5 million
1.2 million
1.6 million
No limit
No limit
No limit; per disability limit of 650,000
?
Lifetime limit (LL) RM
No limit
No limit
No limit
1.65 million
No limit, but total claim amount exceeding Med Value Point of RM 1 million will be subject to 20% co-insurance
No limit
?
No claim bonus
5% increase in Initial AL every 2 years for 20 years and remain level thereafter, if total claim amount < RM 5k during the immediate preceding 2 years; 20% increase in Initial R&B every 2 years for 10 years and remain level thereafter, if no claim during the immediate preceding 2 years
10% increase in Initial R&B every 3 years of no claim, up to 150% of Initial R&B
10% increase in Initial AL every 3 years of no claim
No
2% increase in the initial Med Value Point every 2 years, if no claim, up to Med Value point being exceeded
10% increase in Initial R&B & per disability limit every 3 years, unconditionally and without any limit
?
Coverage extend to
Singapore, Brunei
Singapore, Brunei
n.a.
n.a.
n.a.
n.a.
?
Annual premium (RM)
3,920
3,000
3,400
3,600
5,868
1,462
?
What feature you want to compare?
?
?
?
?
?
?
?
*Less popular health insurance products from Hong Leong Assurance, AmMetLife, AXA-Affin, Zurich, MCIS and Tokio Marine are omitted from comparison.
**The annual premium was generated based on a 35 years old female, non-smoker

7) Comparison table of the Allianz, Great Easter & Prudential Medical Insurance
Allianz#
Prudential
Lonpac
GreatEastern
Product name
Mediaide
PruValueMed Deductible
SmartMedi Deductible
Smart Extender Max
Rider or Standalone
Rider
Rider
Standalone
Rider
Death & TPD amount (RM)
43,000
10,000
0
33,000
Cover up to age
81
80
80
80
Room & Board (R&B) rate RM
300
300
350
300
R&B/ICU Days
50 days per confinement
90 days per year
No limit
180 days per year
Pre & Post Hospitalization days per year
31/60
60/90
31/60
60/180
Deductible amount RM
30,000
20,000
5,000
150,000
Co payment for R&B upgrade
Not applicable before age 55; 20% of eligible benefits, capped at RM 1k after age 55
Not applicable
20% of eligible benefits, no limit
Not applicable
Outpatient cancer treatment RM
Per AL & LL
1.5 million per lifetime, shared w/ outpatient kidney dialysis
36,000 per year
Per AL & LL
Outpatient kidney dialysis RM
Per AL & LL
1.5 million per lifetime, shared w/ outpatient cancer treatment
36,000 per year
Per AL & LL
Outpatient stroke RM
20,000 per year
No
No
No
Outpatient dengue treatment RM
No
No
No
No
Outpatient alternative treatment RM
20,000 per year !
No
No
No
Outpatient co insurance
No
No
No
No
Annual limit (AL) RM
150,000
No limit
450,000; 150,000 per disability
1.5 million
Lifetime limit (LL) RM
1.5 million
No limit, but total claim amount exceeding Med Value Point of RM 1 million will be subject to 20% co-insurance
No limit
No limit
No claim bonus
n.a.
2% increase in the initial Med Value Point every 2 years, if no claim, up to Med Value point being exceeded
10% increase in Initial R&B & per disability limit every 3 years, unconditionally and without any limit
No
Coverage extend to
Singapore, Brunei
n.a.
n.a.
n.a.
Annual premium (RM)
1,200
1,200
973
1,200
What feature you want to compare?
?
?
?
?
*Less popular deductible health insurance products from Hong Leong Assurance & AmMetLife are omitted from comparison.
** Other insurance companies do not provide deductible health insurance products
8) Best deductible medical card in Malaysia – which one?
Best deductible medical card in Malaysia – which one is it?
Not having a full medical card after retirement could potentially be deadlier than the silent killer – inflation, when it actually hits. I’ve talked to individuals in their fifties who admitted to me they overlooked of getting their own medical card when they were in employment. Then, just before the mandatory retirement, it struck them – nobody is going to cover his post retirement medical bills.
If you are reading this, then I don’t want this to happen to you. Yet, I know what you are thinking – you probably don’t want to get a redundant medical card while you are covered by your company.
If this is your concern, then Second Medical Card aka Deductible aka Top Up medical card is the best for you. See below
When you are employed before age 55:
It could well be a good complement to your company-provided group medical card.
For example, if your company medical card coverage is RM 30k/year, you could get a RM 30k deductible medical card, with minimum premium (RM 1,200). Which means, only RM 30k and above medical expenses will be covered by this second card. (by the way, the deductible amount is configurable from RM 2k up to RM 30k)

When you retire after age 55:
Allianz deductible medical card is clearly the best medical card range here because it is auto-convertible to a full medical card at retirement age – 55. This feature beats out all others without retirement conversion options – Prudential, Great Eastern and Lonpac.

What it means, when you reach age 55, this health insurance will convert to become a zero deductible card – which means any medical expenses can be charged under this card – at the time when your company medical insurance coverage ceases. This happens without needing you to prove your health condition at age 55. Besides, it also has:
·         Reasonable co-payment clause capped at RM 1,000
·         Coverage for outpatient stroke treatment and outpatient physiotherapy treatment
·         Coverage extends to Singapore & Brunei (reimbursement basis).
Cheap? Yes. Peace of mind when you retire? Absolutely.
Terminology:

·         Daily Room & Board rate – determines the type of hospital room you can choose to stay in without topping up the difference. It is very normal to go for a minimum RM 200 R&B nowadays, which could be a twin-sharing room. If you want basic single room or above, a R&B of RM 300 and above is recommended. Upgrading R&B rate higher than what you  are entitled for in your health insurance policy may trigger a certain co-payment clause in the insurance contract. This render you needing to share a certain percentage of the total medical bill with the insurer, aside from paying the difference in room & board rate.
· 
  Lifetime Limit (if any) – specifies the limited sum of medical expenses which can be exhausted throughout the duration of health insurance coverage.

·   Annual Limit (if any) – specifies the limited sum of medical expenses which can be exhausted within any 1 policy year as long as the health insurance is in-force.

·     As charged – covers hospitalization expenses which are deemed medically necessary, and as per reasonable and customary charges according to the schedule set by MMA (Malaysian Medical Association). If a medical procedure was being overcharged by hospital, then you need to top up the difference of amount for which the insurer doesn’t cover.

·       Last entry age – the last age where you can buy a medical insurance policy. Normally it could be at 60, 65 or 70.





 

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