i believe this is a new scam of MLM.

i met my fren who just being a member of MXM..i read his policy yearly premium is only RM417..but his has to maintain RM128 per month to get the coverage

Y is tat a big gap??

i suppose MXM offer H&S policy. you need to compare the coverages eg sickness and which MCO in charged of the policy.

if not mistaken, rm417 is corporate package price for Pathlab ... but since MXM is MLM co ... so they mark up the price bcoz need to give the commission & makes profit.
actully if u go direct to pacific or any other insurance co.. ... u can't get that price (rm417) for the same amount of medic-card coverage.
but still, ur monthly premium is lower than what mxm offered.

I went and did a google search, and found more info at mxm.com.my.
ans:  dont only search online ! come n visit our office !

1. MXM is not the registered agent of Pasific Insurance or MCIS Zurich. PATHLAB Healthcare management is. According to the About Us Section, its an associate company of PATHLAB (Even then, no clarification on what associate means, other than its part of Kam Holdings conglomerate).
ans :  MXM is pathlab 's marketing Am  ! we not sell insurance ! we free insurance to our member !

2. So, does that mean you sign up with MXM, who then signs you up with PATHLAB, who then signs you up with Pasific and MCIS Zurich? Double the agent wor..
ans:  Pathlab Healthcare Management is coperate agent ! As long u r MXm member , U will enjoy the free insurance , Free for life !*

3. Who is your servicing agent then? Ans: it's a cashless card .
MXM? PATHLAB? Who do you call to confirm your claim? One thing I noticed on the medical card conditions is that your claim is subject to reasonable and customary charge. Does that mean that if the insurance, or MXM or pathlab decides thats its not reasonable, you have to pay? 
ans: it will hv a Policy contract by Pacific insurance directly v Policyholder   !  + a 24th HOUR emergency Asist call Asia asist !(same likesomemore    Pru D..., Allia.., I.., Uni A...'s policy  )

4. Introduce people get RM30? Since when insurance operates as an MLM? We not sell insurance, only U sell insurance  We free insurance like goft club , MXM since Years 1998 !

5. There is a picture of a membership card prominently displayed on the first page of the membership details which shows that the emergency contact is a person with a handphone number somemore. If whoever is helping me can't contact this person, is there another person they can call. Why doesn't the medical card come from Pasific insurance then?
Ans: who said pacific No medical card ? we provide one MXM member card n One pacific card ! hv u see the card behind ?

5. Coveted Agency award is for PATHLAB, not MXM. Pathlab is establish since 1952 ! MXM is Marketing company for Pathlab ! hv u come to our 14th floor 's club @ Phileo ( so call agency ) ! wellcome to take a TOUR !

6. Not even a member of PIAM? LIAM? Which law do you follow then? Ans: Pathlab is under PIAM's coperate Agency!
Akta Jualan Langsung (AJL) or Akta Insurans?
Ans: Our Datin is the MDDA president U know ?

7. So you get benefit of term (CI, Death, PA) + medical card. Why don't you buy directly then. Many insurance company that do Life will sell you all those.

i believe this is a new scam of MLM.

Not too sure about MXM. All I know is they've got some stories about how they run their MLM business... Mostly negative feedback. Personally, I doubt MXM specializes in insurance (as they also sell bunch of many other things), don't think they're focused or have the right skills and administration. I'd rather go for proper insurance companies.

i met my fren who just being a member of MXM..i read his policy yearly premium is only RM417..but his has to maintain RM128 per month to get the coverage

Y is tat a big gap??

any new update or new comers to these types of schemes?

just make a comparison from a few other reliable insurer company like PRU, GE, ING. Than just decide weather the product suits your needs or not.
Another factor is the agent who goin to service you for the rest of life is much more important than the policy you bought. Just my 2 sense

just make a comparison from a few other reliable insurer company like PRU, GE, ING. Than just decide weather the product suits your needs or not.
Another factor is the agent who goin to service you for the rest of life is much more important than the policy you bought. Just my 2 sense

MDDA = Malaysian Direct Distribution Association

so its a promotion organisation for direct selling / MLM isnt it? i wonder only one thing: would it be cheaper to insure myself directly and skip the gym membership? also note: Pacific doesnt guarantee the premiums

Nothing to compare about as it is totally different thing. Insurance is customized base on individual needs.
Nowadays those who still need agent to serve can consider outdated. Why need agents to serve? Agents are not as reliable as you thought due to conflict of interest. How long can an agent ensure themselves of how long will their service last?

Nowadays all corporates include banks, supermarkets, electrical appliance retailers, Pos malaysia are selling insurance. Dont they have enough staffs to serve you eventhough agent close shop or dead?

Regarding of insurance, no party need to be serve unless there are enquiry. (More to consultantion) Regarding claims, less than 10% of agent have knowledge about it and there are claims department from insurance company who can assist. Regarding value also none agent can do unless get printed from insurance company. Regarding investment, I bet bankers are more brilliant than insurance agent except those really have good knowledge of existing investment market in the globe but not just their own products.

Do make yourself clear that, insurance is for protection, investment is for bank, health awareness is for your food intake control, exercise and rest.

if not mistaken, rm417 is corporate package price for Pathlab ... but since MXM is MLM co ... so they mark up the price bcoz need to give the commission & makes profit.
actully if u go direct to pacific or any other insurance co.. ... u can't get that price (rm417) for the same amount of medic-card coverage.
but still, ur monthly premium is lower than what mxm offered.

Found a bit info on this thread. http://forum.lowyat.net/topic/724871

Would recommend you to buy insurance policies/medical card from the one of 16 insurance companies in Malaysia.
http://www.liam.org.my/cms/