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 All about PRUDENTIAL & insurance updates!, any insurance related issue are welcome

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kochin
post Jun 21 2019, 12:03 PM

I just hope I do!
********
All Stars
10,315 posts

Joined: Dec 2009
From: Malaysia


how much if one were to buy a fresh insurance now for say 1mil death, 400 - 500 per day medical?

profile:
male and female

age: 40-50

smokers: no


kochin
post Jun 21 2019, 02:30 PM

I just hope I do!
********
All Stars
10,315 posts

Joined: Dec 2009
From: Malaysia


QUOTE(roystevenung @ Jun 21 2019, 12:36 PM)
Then how come we receive circular that there will not be any increase in the premium?  hmm.gif

The Star - Insurance Premium Unchange

If by Jul and your birthday is up, then it make sense that it goes up.

Also take note that the premium can be adjusted with minimum slack or more slack depending on your budget. More slack means more money is invested to built up the cash values to have the policy with better sustainability 
For age 51 next birthday, male nonsmoker

1m death or tpd
2m if death due to accident
3m if death on public transport
4m if death whilst overseas

Premium target sustainability till age 80, Rm1165 mth
Premium target sustainability till age 90, Rm1651 mth

——-

For the medical with Rm500 Room, Rm1.98m per year, no lifetime limit, Rm300 deductible
Sustainability age 90, Rm956 mth
Sustainability age 100, Rm1167 mth
*
meaning if:

1m death or tpd
2m if death due to accident
3m if death on public transport
4m if death whilst overseas
Premium target sustainability till age 80, Rm1165 mth

+

For the medical with Rm500 Room, Rm1.98m per year, no lifetime limit, Rm300 deductible
Sustainability age 90, Rm956 mth

approx RM2.1k per month?
great!
kochin
post May 21 2021, 10:24 AM

I just hope I do!
********
All Stars
10,315 posts

Joined: Dec 2009
From: Malaysia


anybody can share what is the latest insurance plan cost like p.a.?

please give details or chart as in,
sex;
age group;
coverage per room;
payout for critical illness;
payout for death

may need to reconfigure my package.
thanks.


 

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