insurance for baby, any recommendation
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 Dec 15 2011, 10:06 PM, updated 13y ago
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#1
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Senior Member
613 posts Joined: Dec 2008 
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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 |
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Dec 15 2011, 11:31 PM
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#2
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Senior Member
613 posts Joined: Dec 2008
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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 |
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Dec 16 2011, 12:29 AM
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#3
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613 posts Joined: Dec 2008
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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... Wow.. actually the most important is medical coverage.i having baby insurance with ING about RM700 per year... but unsure whether after 3/5th years will reduce to RM500 per year... 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 |
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Dec 17 2011, 06:20 PM
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#4
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613 posts Joined: Dec 2008
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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... 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.RM700 for 1st 3 years and RM500 for the rest of the life if no mistaken... |
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Dec 18 2011, 01:26 PM
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#5
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613 posts Joined: Dec 2008
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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? |
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Dec 18 2011, 01:45 PM
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#6
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Senior Member
613 posts Joined: Dec 2008
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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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Dec 19 2011, 12:10 AM
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#7
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Senior Member
613 posts Joined: Dec 2008
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QUOTE(transit @ Dec 18 2011, 10:55 PM) Waiting Period of 120 days for Specified Illnesses is standard exclusions for Life insurers(players) in Malaysia. It is applicable to AIA, ING, PRU, GE, Allianz, HLA. U may check it out in their product's brochure. What differs the cashless n non cashless ?ING Medical IMPlus Premium Table per age group. [attachmentid=2592603] |
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Jan 17 2012, 01:28 PM
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#8
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613 posts Joined: Dec 2008
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QUOTE(transit @ Jan 13 2012, 10:37 PM) Prumychild plan Basic Life/TPD should cover up to age of 100 already. (instead of 25 years). Once your child achieve age of 25, the policyholder's ownership will be transferred to his/her own name. The medical card age coverage is having 3 options (70, 80 or 100 years old), no longer cover up to age of 25 years old. Wondering how much is this plan? Then when baby is born, the coverage continues? What does it cover during pregnancy time?Currently Policyholder is under mother's name; life assured is your child. (for prenatal case) If new born baby after 30 days get insured, then life assured will be his/her name as per registered in Malaysian IC. |
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Jan 17 2013, 11:27 AM
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#9
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Senior Member
613 posts Joined: Dec 2008
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How much for a lowest education plan cost per month for a baby now at months? At what age they can withdraw for their education purposes in their future? Usually how much they will get based on the lowest plan.
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