Hi, may I know if you're still looking for insurance/medical plan?

Very true, its best for you guys to look at the benefit table of the particular medical plan, to make sure there's no co-insurance.

Hi, my next birthday will be 29, male, no criitical illnes, height 161, weight 77. Budget per annum max 3000. Any agent can contact me?

Hi there,
Do you still require a trusted insurance agent in this?i do have one from allianz and their package benefit is quite rumerative. If you do, i can forward you to him.

Anyone know of a good medical insurance agent? looking to get personal medical insurance.

RM 500.00 per year budget?

I am afraid there is no insurer for H&S policy at that price range for 38 year old person.

Up his budget to RM 1,400.00 - get the MCIS Max Health 150 Awesome coverage , lowest price amongst peer.

Or option two:

Walk into any of those general insurance center and buy off the shelf medical card. They are usually cheap and basic. Serves your basic need. No frills, no bells and whistles. Just plain boring H&S (med card). And ... also no pesky agents. You get rebate as well if you DIY it, as there will be no agent serving you. Only drawback for DIY is, if you need to claim, you also need to DIY. Fair no?

Xuzen

This post has been edited by xuzen: Aug 29 2017, 02:15 PM

Insurance DIY style

Xuzen

RM 3K budget, can get quite a good package.

I am not an agent

Xuzen

The information is outdated. For example after entering my information, I got few quotations. I checked out HLA Medigold and realized that the plan in HLA website and the one in this site is completely different.

Where got?

I check through HLA website; info sama aje. Your eyes need medical examination or not?

Xuzen

Guys, need your advice here..

I already have a prudential medical linked card..thinking to increase my death, TPN and PA...may i know is it cheaper to buy separately from those general insurance companies like zurich, uforlife, axa affin etc...instead of adding it into my medical linked card?

Thank you!

Definitely cheaper buying term insurance from them.

Thanks ckdenion! Any recommendation on which company to go about? I read some of these banking term insurance..eg for accident they don't cover for extreme sports...some even don't cover for flights unless you paid for it I think..

the coverage is it the same across the popular insurance companies like prudential?

I'm not interested at critical illness..more on accident, TPD and death

Not sure whether you are looking for conventional or takaful one. I'm responsible for Takafu under PruBSNl. You can let me know if you want to explore further. Its not limited to any race or religion in case you wondering

Since you mentioned Prudential, I guess it is conventional. For accident/TPD/death, normally it is not costly depending on your work class and age. Smokers/non smokers play a small part too. You can always shop around. I'm sure you will find plenty.

Just received a letter saying that my medical policy will increase by another 100++ this year..

Sigh..

Mind to disclose what insurance co is this? What's the % of increase over your existing premium?

Majority co will increase premium of every policy holder for internal reasons, usually will be high claim ratio.

how long you have bought this medical card?

Appreciate some enlightenment here.

Notice from the link that Xuzen gave, FSM Insurance says can save up till 30% commission [https://www.fundsupermart.com.my/insurance/product-comparison/compare/health],

but from other links and a search on the internet, reveals insurance agent earns about 70-130% in commissions from the premium paid
Eg of a link : https://forum.lowyat.net/topic/1288445/all

Thus, this would seem that FSM insurance is making some commissions too? If so, I can just walk into any of the insurance companies and save the 70-130% commission instead of buying from FSM? If so, what's the point of buying from FSM then?

Thanks in advance

This post has been edited by abcn1n: Oct 15 2017, 09:35 PM

Getting an agent to service is good at times when you have problem filing a claim or need a person who has experience in claim to appeal for you.

If you think FSM is not earning a single cent out of you, you're kind of mistaken in a way. Otherwise why would they bother to promote it ? Charity ? Plus if I am FSM, I won't need to service you, just take your money and go service urself.

However if you're trying to save all the commission and not want to pay for any service, then self service is the way.