This guy insurance policy doesn’t pay him, and you won’t believe WHY until you read this

This is quite an unusual scenario where a man in his 40’s, Stephen Ng, has prostate cancer. Apparently, he wrote a letter to Tan Sri Zeti some time ago, then 2 opens letters which got published at FreeMalaysiaToday and Malaysiakini when Zeti didn’t respond. Anyway, the man’s urological surgeon suggested that he should avoid surgery, because radiotherapy and hormonal treatment is less invasive and will give an equally good outcome. This would cost Stephen about RM33,000.

FMT Medical insurance empty promises


You can read his original letter HERE.

A medically sound decision, yes, but after consulting his insurance company about the medical treatment, Stephen was told that, while a surgery can be covered up to RM400,000 (not a mis spell), the treatment package suggested by the oncologist is considered ‘Outpatient Treatment’. For the record, any surgery is considered at “Inpatient Treatment”

Because of the advancement in medical technology, both hormonal treatment and radiotherapy does not require surgery.

insurance type

What does this mean for Stephen’s pocket

Stephen was pissed (anyone in his shoes will) as he has been paying an annual premium of RM1,400 for the medical policy the past 12 years, only to discover that it only has a cap of RM10,000 (a whole lifetime) for outpatient treatment.

This means that if he were proceed with the radiotherapy and hormonal treatment,  he need to fork out another RM23,000 provided that the other prostate cancer related scans that he did earlier has not eaten into the lifetime outpatient allocation of RM10,000.

Watch this video for better explanation from me

From a consumer standpoint, it is totally understandable to think it is absolutely ridiculous that the insurance company should determine the payment based on whether it requires surgery or just outpatient treatment.

Stephen commented “By setting a cap to ‘Outpatient Treatment’ using the fine prints, especially for anything to do with cancer treatment, is simply cruel.”

What is my take on this & how I could help

I can tell Stephen that this is not a fine print but it is how medical cards products are being designed.  I wrote a reply to his letter, which didn’t get published at Malaysiakini but got published in FMT. See below.

I know exactly which insurance companies has this “unfavorable” feature but I cannot disclose this in the public lest getting a cease-or-desist order by the insurer.

If you feel this is important to you and need independent advice on which company to avoid and how to check your policy if it has a separate cap on outpatient limit…

Then consult us Today Here


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Knowing this would saves your thousands further down the road, preventing unexpected surprises like what Stephen experienced. To add up to the physical pain, wallet pain is something we could avoid if we know how to manage this.

FMT Medical insurance limit


Read my reply letter to him HERE

8 thoughts on “This guy insurance policy doesn’t pay him, and you won’t believe WHY until you read this”

  1. Hi CF Lieu,
    I have 2 young daughter in their 20s and just started working.What is the best Medical Insurance for them to take up.Since their salary is around 2k/mth,preferable they would like a low premium policy.Pls advise.
    Got some suggestion from friends about AIA A-lifeMed Regular policy

      1. CF,
        seeking more opinion and suggestion whether which Medical insurance plan will be good for my 2 gals.Since you are consider expert and well verse in this insurance thing,I hope to get the best advise from you whether this AIA plan will be good for their age.

        1. While I understand a parent’s good intention, in most cases, children may end up not taking their parents advice. It could be – youngsters don’t feel that’s important enough for them to take up any medical plan now OR they’d listen to what their friends more in this aspect OR they’d rather spend that money on a few more cups of Starbucks.

          Then again, I could be wrong, but real advice can’t be delivered in one paragraph here. If you daughters are serious in this and real advice is what you are seeking, head over to

  2. Hi CF,
    It is definitely good and lucky to know you in the first place and you take your time to help Stephen out in this kind of situation. I will think nobody will like to fall into this kind of situation when he/she thinks that they are well covered by having medical policy

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