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 insurance for baby, any recommendation

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TSKasumie
post Dec 15 2011, 10:06 PM, updated 12y ago

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Welcoming my baby boy next few months time. So would like to check out n research any kind of good recommendations insurance coverage from parents here? Not too expensive please, max 500 is it possible?

Edited: looking for basic medical card

This post has been edited by Kasumie: Dec 16 2011, 12:31 AM
SUSVincentChen
post Dec 15 2011, 10:21 PM

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my mom is ING insurance agent, need her number? pm me smile.gif
raph
post Dec 15 2011, 10:29 PM

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QUOTE(Kasumie @ Dec 15 2011, 10:06 PM)
Welcoming my baby boy next few months time. So would like to check out n research any kind of good recommendations insurance coverage from parents here? Not too expensive please, max 500 is it possible?
*
RM500 per month or per year?

TSKasumie
post Dec 15 2011, 11:31 PM

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QUOTE(raph @ Dec 15 2011, 10:29 PM)
RM500 per month or per year?
*

I mean per year. I do not want too expensive .at least something for those minimum coverage
gkl83
post Dec 16 2011, 12:10 AM

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baby insurance will be higher than normal kids insurance bcos of the higher risk and expensive medical fees...
i having baby insurance with ING about RM700 per year... but unsure whether after 3/5th years will reduce to RM500 per year...
raph
post Dec 16 2011, 12:22 AM

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minimum coverage available from AIA also RM640. for baby girl might be higher
TSKasumie
post Dec 16 2011, 12:29 AM

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QUOTE(raph @ Dec 16 2011, 12:22 AM)
minimum coverage available from AIA also RM640. for baby girl might be higher
*
Wow.. I forgotten to mention actually I'm looking for medical card. Is it gonna be the same ?


Added on December 16, 2011, 12:33 am
QUOTE(gkl83 @ Dec 16 2011, 12:10 AM)
baby insurance will be higher than normal kids insurance bcos of the higher risk and expensive medical fees...
i having baby insurance with ING about RM700 per year... but unsure whether after 3/5th years will reduce to RM500 per year...
*
Wow.. actually the most important is medical coverage.

If is medical card for kids will it be cheaper? I thought 400 could easily get a medical card for baby

This post has been edited by Kasumie: Dec 16 2011, 12:33 AM
raph
post Dec 16 2011, 12:36 AM

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QUOTE(Kasumie @ Dec 16 2011, 12:29 AM)
Wow.. I forgotten to mention actually I'm looking for medical card. Is it gonna be the same ?


Added on December 16, 2011, 12:33 am

Wow.. actually the most important is medical coverage.

If is medical card for kids will it be cheaper? I thought 400 could easily get a medical card for baby
*
yup for cashless medical card the cheapest is RM640 for boy, for below RM400 u have to wait your son reach 16 yo.
baby is more riskier according to underwriter tongue.gif
katijar
post Dec 16 2011, 08:49 AM

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QUOTE(raph @ Dec 16 2011, 12:22 AM)
minimum coverage available from AIA also RM640. for baby girl might be higher
*
why girl cost more?
raph
post Dec 16 2011, 08:57 AM

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QUOTE(katijar @ Dec 16 2011, 08:49 AM)
why girl cost more?
*
seriously i dont have good reason to answer this. but only medical insurance cost girl more than boy comparing to life insurance or critical illness insurance.
phythia79
post Dec 16 2011, 10:11 AM

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I bought the ING medical plan (Cashless) for about RM700plus for my son. It's good to have the medical plan as hospital bills aren't cheap anymore.

They have recently upgraded their plan but i chose to just stay with my existing as I don't need to fork out the 10%..just in case one of those days..i'm broke and my son pulak admit.
gkl83
post Dec 17 2011, 01:02 PM

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QUOTE(Kasumie @ Dec 16 2011, 12:29 AM)
Wow.. actually the most important is medical coverage.

If is medical card for kids will it be cheaper? I thought 400 could easily get a medical card for baby
*

yup... ING offering RM700 per year for medical card only for new born baby...
RM700 for 1st 3 years and RM500 for the rest of the life if no mistaken...
TSKasumie
post Dec 17 2011, 06:20 PM

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QUOTE(gkl83 @ Dec 17 2011, 01:02 PM)
yup... ING offering RM700 per year for medical card only for new born baby...
RM700 for 1st 3 years and RM500 for the rest of the life if no mistaken...
*
I have just check out.. for great eastern. From 1 to 5 yrs old boy cost 800 plus. Then after 5yrs old bout 5 to 6 hundred. This is the medical card.
Benny-T
post Dec 17 2011, 09:58 PM

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HLA offering insurance for babies starting from 13th week while still in womb
more details just gimme a call at 016 548 2282
call me during office hour

This post has been edited by Benny-T: Dec 17 2011, 09:58 PM
raph
post Dec 18 2011, 11:18 AM

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QUOTE(Kasumie @ Dec 17 2011, 06:20 PM)
I have just check out.. for great eastern. From 1 to 5 yrs old boy cost 800 plus. Then after 5yrs old bout 5 to 6 hundred. This is the medical card.
*
For AIA (Boy):

4 weeks - RM640
1 year - RM618
2 year - RM597
3 year - RM555
4 year - RM490
5 year - RM470
6 to 10 year - RM444

this is medical card
minimart8
post Dec 18 2011, 12:31 PM

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How about for all? Some sort like investment link. I was told the total will be few thousand? And start from 1 month after delivered right? Because my baby boy coming out next month
raph
post Dec 18 2011, 12:51 PM

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QUOTE(minimart8 @ Dec 18 2011, 12:31 PM)
How about for all? Some sort like investment link. I was told the total will be few thousand? And start from 1 month after delivered right? Because my baby boy coming out next month
*
usually min for investment linked is RM1200 per year. but it also depend on payor info such as age, smoking or not and occpation..
TSKasumie
post Dec 18 2011, 01:26 PM

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[quote=raph,Dec 18 2011, 11:18 AM]
For AIA (Boy):

4 weeks - RM640
1 year - RM618
2 year - RM597
3 year - RM555
4 year - RM490
5 year - RM470
6 to 10 year - RM444

this is medical card
*

[/quote

does this same as great eastern that the first 4 mths after purchase the policy have no coverage?
raph
post Dec 18 2011, 01:32 PM

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[quote=Kasumie,Dec 18 2011, 01:26 PM]
[quote=raph,Dec 18 2011, 11:18 AM]
For AIA (Boy):

4 weeks - RM640
1 year - RM618
2 year - RM597
3 year - RM555
4 year - RM490
5 year - RM470
6 to 10 year - RM444

this is medical card
*

[/quote

does this same as great eastern that the first 4 mths after purchase the policy have no coverage?
*

[/quote]

i dont get you but for AIA, you only can apply 4 weeks after delivered.
TSKasumie
post Dec 18 2011, 01:45 PM

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QUOTE(raph @ Dec 18 2011, 01:32 PM)
i dont get you but for AIA, you only can apply 4 weeks after delivered.
*
what i meant was, when i buy this AIA medical card, does it cover the first 4 months starting from the date i bought the policy?

coz great eastern does not cover the first 4 mths for the first time i buy the medical card, meaning for the 1st year, i pay for one year premium but the coverage starts only at the 5th month. its called 'waiving period' (not sure is it how it is spelled)

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