LDP Frequent Travellers Programme Toll Discount and Rewards Disappointed Me

26 May 2009 | Category: Uncategorized | Leave a Comment

Is the LDP Frequent Travellers Programme for toll discounts and rewards really save more money for you?
ldp highway traffic conditions and toll rebate ldp frequent travellers programme
Image Source: PPPBP

How to Qualify for Cash Users (Register, Spend and Redeem)
  • Register yourself at Hub of Touch ‘n Go at Faber Tower / KL Sentral or www.litrak.com.my
  • Spend and collect LDP receipts worth RM50 within a calendar month
  • Redeem a FREE Touch n Go Card (Worth RM15) with a value of RM10 inside the card
How to Qualify for Touch n Go and SMART Tag Users (Register, Spend and Rewards)
  • Register yourself at Hub of Touch ‘n Go at Faber Tower / KL Sentral or www.litrak.com.my
  • Spend at least RM200 within a calendar month
  • Rewards with free 20% reload bonus when you top up
LDP Toll Rebates Programme Disappointed Me
  • The toll rebates programme is mainly for LDP users. Why should we claim the rebate at only Hub of Touch n Go at KL Sentral and Faber Towers (Jalan Klang Lama). Don’t you think that is a ridiculous and non-sense arrangement? Correct me if I’m wrong, please!
  • What if the redemption of rebate can be done only during working hours? Will you apply leave just to redeem the rebate? Or pay another in and out RM3.20 tolls plus petrol for the redemption?
  • How many of you spend RM200 just for LDP toll fees? That is equal to 125 trips (RM200 divided by RM1.60/trip).

Well, the only comment of mine for the “LDP Frequent Travellers Programme” is: it’s better than nothing, at least! In fact, I prefer they do something to improve the highway traffic conditions instead of the toll rebates. Don’t you think so?


High Medical Inflation Rate Caused Malaysians have Insufficient Medical Insurance

25 May 2009 | Category: Insurance | Leave a Comment

Do you know how high Malaysia’s medical inflation rates for the past few years are? It’s about 10% to 15% annually! How much is your medical care coverage? RM100,000 or RM200,000?
medical insurance malaysia high medical inflation rates
Image Source: Insurance Choice

Let me show you some examples to get a better picture of how the medical inflation 10% to 15% affecting your medical costs and medical card coverage.

Projection of Medical Costs in Future of 10 years and 20 years:

RM20,000 today would cost RM51,875 after 10 years (inflation rate of 10%)
RM20,000 today would cost RM80,911 after 10 years (inflation rate of 15%)
RM20,000 today would cost RM134,550 after 20 years (inflation rate of 10%)
RM20,000 today would cost RM327,331 after 20 years (inflation rate of 15%)

From the results shown on above, obviously the high medical inflation rates will cause many Malaysians does not afford to fall ill. Because, the expensive yet keep rising medical cost has caused them who have insufficient medical insurance suffer with the hospitalization fees.

Hospitalization and Surgical Insurance (HSI) and Critical Illness Policy

Check and review back your current insurance policy and coverage amount. Does it sufficient enough to cover your future medical costs (touch wood yaa)? Else, you may look into the HSI and Critical Illness Policy to ensure you are covered with sufficient medical insurance. Basically, the HSI will cover hospitalization costs and outpatient treatments whereas the critical illness policy will provide a lump sum amount that can be used flexible up to your own planning and needs.

Hope these could help more Malaysians to be aware about the importance and urgency to look at the insufficient medical insurance coverage issue due to the high medical inflation rates.


GSC EON Bank Credit Card Free Movie Ticket & Combo Set

24 May 2009 | Category: Credit Card Reviews | Leave a Comment

Free Golden Screen Cinema (GSC) ticket and Free Popcorn Combo with the new GSC EON Bank Credit Card? How frequent do you go to watch movie at cinema? How about an exclusive priority ticketing lane for you to skip the long queue in cinema during weekend? Perhaps you may look into the latest launched GSC EON Bank Credit Card.

gsc eon bank credit card cheaper movie ticket

Some of the highlights of the credit card:

  • Priority ticketing lane
  • Up to 10% OFF ticket purchase
  • 50% OFF ticket purchase up to RM100
  • FREE 1 GSC ticket & Popcorn Combo upon approval

At first, I have to admit that I was attracted by the advertisement of ‘The Ultimate Movie Card’ in theSun newspaper regarding GSC EON Bank Credit card. But, I found out nothing so special about the credit card after I go thru the terms and conditions.

GSC EON Bank Credit Card Disappointed Me

Basically, the disappointment came from ‘*’, the terms and conditions attached on the each of the feature. Examples:

  • Priority Ticketing Lane. Be aware, it is only available at selected GSC outlets only.
  • 10% discounts. It is limited to certain day, certain group of people and certain types of tickets only.
  • 50% OFF ticket purchase up to RM100. It has a very complicated discounts chart explanation in their website. Basically, u will get the discounts in total of RM100 at the end of the day. I just don’t understand why they make the thing so complicated for RM100 discounts?
  • FREE 1 GSC Ticket & Popcorn Combo. So sorry to tell you that the offer valid for once only and its only happen upon approval of the credit card application.

In fact, there are still many others benefits are attached with the credit card. Example like exclusive will writing services, personal accident insurance coverage, free travel insurance & inconvenience benefits, free entry to plaza premium lounge, free for life credit card, and etc. Bear in mind, all the highlighted benefits are attached with terms and conditions. Make sure you read and fully understand on all the terms and conditions before you go for the GSC EON Bank Credit Card application process.

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