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Plus & True LadyRama Krishnan

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His hospital bill: $1.2 million

You’d think this is madness for hospitalization of 14 months only and then to die…….. but then it could happen to any one of us?

His hospital bill: $1.2 millionClick here for actual article

Our Principle, Zurich’s, Fact Sheet

A new answer for those who have hypertension

Follow-ups showed that the de-crease in blood pressure was still maintained two years after the procedure with one in five able to decrease their hypertension medications after the procedure.

“It is very safe,” said Dr Yap.

The procedure is currently available at the National Heart Institute and Prince Court Medical Centre, Kuala Lumpur.

Read Full Article Here

Health Ministry looking into private hospital charges, says Liow

KUALA LUMPUR: The Health Ministry is addressing complaints of private hospitals charging patients with private insurance more than those paying on their own.

Minister Datuk Seri Liow Tiong Lai said that the charges should be the same for both.

“We hope this will stop because it will increase insurance premiums,” he said at the Private Hospitals Board of Visitors meeting.

Liow said that this was among the complaints that he had received on private hospitals, adding that he would meet private hospitals, insurance companies and others on the matter.

More Here The Star, The Sun

Good News?

RM1.7b spent on generic drugs last year

Datuk Seri Liow Tiong Lai had his blood pressure checked by Columbia Asia nurse Muzarith Sofia after officiating the Health Fair, April 7, 2012. BERNAMApix

“… He also recommended that Malaysians over the age of 30 instead of 40 undergo regular screening for NCD risk factors every year, due to many cases of NCD being detected in the early stages.

“This is important because NCDs do not kill you quickly. It is a silent group of diseases, slowly killing you with heart disease, kidney disease and much more,” he said, adding that one in seven Malaysians were diagnosed with diabetes.”

Read Full Article Here

Health screenings reveal many have chronic diseases

KUALA LUMPUR: A quarter of those who went for health screening last year were found to have a chronic condition they were not previously aware of.

Health Minister Datuk Seri Liow Tiong Lai said 25% of 317,766 people who went for a health screening in government clinics and hospitals found out they had conditions such as cancer, diabetes and cardiovascular diseases.

“It is an alarming figure,” he said after launching the Star Health Fair at the MidValley Exhibition Centre here yesterday.

However, he said most of those who discovered they were suffering from such diseases were over 30 years old.

Liow said it would be difficult to provide free health screening to all Malaysians.

Read More

Hospital Admission Cashless Claim

Below are the bills for a 3 day stay in a hospital for typhoid fever: pangastritis (commonly called stomach flu or stomach bug).

Two important points to note here are:-

1) Except for admission (administration) fee, ID hand-band, and laundry, everything else was paid in full

2) A more important observation to make is that the patient is only eligible for a RM200/- R & B.  If you note the first bill, you’ll see that she stayed in a single bedder for 1 night costing RM221.31 which would have caused her to be penalized and she would have to pay 20% of the total bill (about RM800/-)

This was caused because of miscommunication! Upon admission, my client was wrongly advised by the hospital admission, that they had referred to the Insurer and she had to pay 20% of the total bill. So she decided that it was alright to upgrade to a single bedder.

The next day, when I visited her, I was surprised to get this information and I queried the hospital & Insurer. After my feedback, and my client knowing that the co-payment applied only for room-upgrade, she moved into a 2 bedder room. And the Insurer was generous enough to understand the miscommunication and even absorbed the excess in room charges, about RM22/-

Times like this are what prove to be the moment of truth. It is for this type of situations that Insurance Consultants are actually paid. 

Some people are very conscious of  brand name. They believe that famous is best and good. Personally I have come across some famous organizations that work strictly to rule…. follow the system at the cost of speed and flexibility

Others may claim that they may be able to walk into an insurance company and get a policy at a “cheaper rate”. Imagine the above situation where you would really  have to know the terms & conditions of the policy or else you would have lost RM800/-  . Also very possibly, if not in a coma, you would probably be in great pain or very sick and not in a position really think well.

Rama Krishnan

RKC Agency

012-320 8475

Leg complications due to Diabetes increasing

This is worse because it usually happens when you are very much older. During my 17 day stay last Feb in the hospital, my bed-mate, about 70 years of age, told me that he had being living with diabetes for past 20 years with no hassle

Only about 1 1/2 months earlier, everything started to go completely wrong, with him losing his right foot, followed by all the complications in the world, kidney, heart, liver, etc

I woke up a week later one Saturday morning at 5am, to see doctors attempting to resuscitate him, but to no avail, Nobody could save him, ….. even his oldest son who is a doctor in a Specialist center

A word of advise to those sitting on it without medical insurance. I have many people wanting to apply for Medical Card but being refused or charged an astronomical premium because they have diabetes. Please do not wait, but get a medical coverage BEFORE you contract a medical disorder

Rama Krishnan

RKC Agency

012-320 8475