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What insurance plan you having? Pls share as guide, Tell us how much, good/bad it is:)
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SUSMNet
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 Feb 22 2011, 10:46 PM
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QUOTE(bearbear @ Feb 22 2011, 09:59 PM) Need some clarification on mine ING on the policy its stated CI RM2120 (100k) = Lifestyle Protection Plan Health Coverage RM325.40 anyone have idea what benefits comes with this?i know the CI36 covers for the 36 types of illness and etc but i was told by my friends they are paying Rm1k+ only for that. Ask my parents they don't know much about it anyway, they say it has some sort saving thingy in it  they got it for me when i was 17 so basically i don't know much bout the policy itself, any help on this? now u paying rm2120 annually for ur insurance? CI RM2120 (100k) = Lifestyle Protection Plan mean if u kene 36CI then ING will waive ur premium RM2120. |
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SUSMNet
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Feb 24 2011, 11:22 AM
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QUOTE(amisu @ Feb 22 2011, 10:38 PM) so troublesome. somemore i buy all standalone 1. oni life n CI is 1 then medical n pa is standalone. so my premium will go up if my age band of the medical chg la. then rm2120 pa for term without saving/investment portion then its darn expensive |
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SUSMNet
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Feb 24 2011, 12:00 PM
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then need to check out how much is the life & CI cost & waiver of premium and medical card.
how much it of this cost to determine cheap or not
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SUSMNet
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Feb 25 2011, 11:33 PM
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if change then u need to wait for waiting period again
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if u claim before its possible its loading worst they will not accept ur newly buy insurance
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SUSMNet
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Jan 20 2012, 12:41 PM
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QUOTE(kimmokitz86 @ Jan 20 2012, 12:31 PM) Hi, I'm 26 y/o, non smoker. I just surrender my GE premium for 6 yrs. Monthly: RM 150 With medical card + investment link. critical illness : RM 16,000 (too little) PA: RM 30,000. I change to buy AIA. Yearly: RM 2,668 Sum: RM 80,000 Annual: RM 90,000 Life: no limit. Room: RM 150 With cash value. Any comment? AIA have lot of limitation. U can only claim up to 80k for outpatient kidney treatment and 112.5k for cancer treatment. Do take notes its LIFETIME limit not annually limit. http://static.lowyat.net/uploads/attach-75...-1325497282.jpgU better upgrade the GE policy. |
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SUSMNet
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Jan 20 2012, 02:24 PM
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QUOTE(kimmokitz86 @ Jan 20 2012, 02:02 PM) I used to top up pure RM100,000 for 36illness. My total premium cost RM 4,100 pa. Therefore, I change. Btw I already surrender, I don't think can upgrade. Its not CI matter. U only can claim CI when u diagnosed with cancer stage 3 and both kidney malfunction. Its medical card matter coz majority of people is not fall into the cancer stage 3 and both kidney malfunction category. U can only claim limited amount of $$ to treat the cancer and dialysis. Once u used up then u need to fork out own $$ |
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SUSMNet
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Jan 25 2012, 02:29 PM
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QUOTE(Them_Me_You @ Jan 25 2012, 02:40 AM) I got an insurance with MCIS and my monthly premium is rm 1500.00 for 10 years. I forget the name of the plan, but not too sure wheather it is better than any other insurances out there. 1 yr premium 18k? |
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SUSMNet
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Jan 26 2012, 08:18 PM
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QUOTE(mucklampir @ Jan 26 2012, 10:17 AM) i thought most medical card also need to pay 10% upfront but maximum 1k. Exception is ING need to pay rm50 only. For GE i heard if room higher than day limit then need to 'fine' with 20% copayment of total bill. Whereas for prudential just need to topup the room bill difference only. ING also need topup difference onli. Hope somebody can comment... Allianz ILP no need to pay the co-insurance. if u upgrade the room and board, then u need to pay 20% of the bill. Maximum rm1000 |
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