You can write a letter as "black and white" but the question will be either the document is legal for court usage in case of dispute.

I am disagree you to do this, be it or now or later, you will also still to buy a car yourself, and the NCB will also have to accumulate from zero. Why not now right? Unless you planning to drive the car for the rest of your life or you are not planning to buy any car for the rest of your life. It's just not worth the headache.

Yes, it is possible. Due to the nature of Investment linked insurance is so flexible to attach different rider. Thus, some plan might have totally different benefit.

There will be definitely a table in the policy document. If you are not sure how to read it, find a table inside your policy document, censored all your personal information and post it up here. Or else, you may pm me if you are afraid your personal information exposed in internet.

Hi,

are there medical cards with no investment linked plans? as in pure 100% allocation for insurance?

Thanks

Yes, there is, there are plenty of Standalone medical card in the market.

When purchasing standalone medical card, please be aware that
1)Make sure the medical card is guaranteed renewable.
2)The policy will be tend to have higher risk of lapse due to the fact of no cash value, this is very important as you do not want your medical protection to stop when you need it the most.
3)The benefit of standalone medical card might not as good as Investment linked.
4)The price of standalone medical card will increase every 5 years.
5)You can't attach some usefull rider like waiver of premium for TPD/36Critical Illness. Which means that if you are attaching this rider, if and only if you are diagnosed with TPD/36 Critical Illness, your future premium will be paid by the company.

Just want to warn you guys (and gals) about insurance firms.

I had 4 insurance policies since a few years ago - a PA policy bought through a telco, a CI policy through a bank, a medical card through an agent and a supplementary medical card direct from the insurance firm.

The telco SMSed me early this year that the PA policy will be cancelled for all subscribers - as consolation, they gave 1 month's free coverage.

As for the CI policy bought through a bank, the insurance firm did not send me the renewal invitation this year. I noticed that this policy is no longer offered by the banks - so I guess the insurance firm plans to withdraw the policy from the market. When I contacted them, they gave me the runaround ... first e-mail ignored, after second e-mail they asked me fill up a form with my credit card details and fax it to them ... yet up to now the premium has not been deducted from my cc. I get the message - they don't want my business anymore.

I was diagnosed with high blood pressure (well controlled) a while back so it's difficult to get new insurance policies. Luckily I still have my 2 medical cards.

So beware of insurance firms - they'll withdraw a policy from the market if it makes business sense to them, and to hell with their clients!

Thank for your post and sorry to hear your bad experience.

Since insurance is not the main business for both the Telco and bank in your case, the corporations may stop the coverage anytime because it doesn't affect their core business. However, it's a very rare case and in fact I have never heard before for an insurance company to stop the existing policy that has been running as it will spoil their reputation as their core business. It's always advisable to get your insurance directly from an agent

anyone using car insurance sell by liberty insurance?

In the case of the CI policy, its a bancassurance product. Apparently the insurance firm is withdrawing from the CI market - no more CI products on offer at its website. To my understanding, even a product that's "guaranteed renewable" can be withdrawn from the market, provided the insurance firm withdraws from that segment of the market.

But a person with high blood pressure can still buy PA with no restrictions or loading, correct?

yep PA will not take into high blood pressure consideration

Can I get a confirmation that only ILP-linked insurance have the flexibility to add/remove riders ?

Other types of insurance e.g. life insurance, term insurance do not have such flexibility ?

yes you're right

How is Takaful different from other conventional insurance?

e.g.
price
coverage

& does takaful also have investment-linked insurance ?

formerly known as uni-asia

Quick Question =))

Medical card usually cover organ transplant (kidney, lung, liver, heart, pancreas & bone marrow) However, it only covers the surgery cost but does not cover the organ.
Is this correct? Please advise, thanks =)

By the way, is there any AIA agent here can help too?
I heard the latest AIA medical card (sample: R&B200, annual limit 1.375 million, lifetime no limit)
covers both the organ transplant surgery cost and also the cost of the organ. Is this true?

Hi all, thinking to get my first personal medical insurance as currently I only have the company benefits' one. Anyone have any good recommendation of product or is there any agent here that can PM me?

I'm mostly keen on non ILP-linked medical insurance (traditional type), but I'm open to suggestions. Thanks in advance!

Combo AXA SmartCare Optimum + Tokio Marine Medic Plus.

Good for you if you already have company group medical benefit, you may choose deductible option for AXA SCO (up to 50% discount on premium for RM20k deductible) + TM medic plus for additional coverage on kidney + cancer treatment. both are yearly renewable medical card.

http://www.axa.com.my/132/en/health-insura...artcare-optimum **
http://www.tokiomarine.com/my/en/personal/...medic-plus.html

** you can get extra 15% discount if you walk into their branches for initial premium payment.

What you mean 'does not cover the cost of the organ'? Cannot 'buy' an organ.

I'm not AIA agent and i'm not AIA staff but inside AIA contract it says:



i think that answers your question?

PS: i think most insurance companies have that clause.

This post has been edited by adele123: Sep 2 2015, 09:08 AM

Guys,

I am looking to buy medical insurance for my wife and young daughter, I am deciding between AIA and GE...

Both are for Room rate of either 200 or 300 and 1m yearly and no lifetime limit.

However was advised to check the details of GE as they said for GE only the initial amount is paid directly and the balance you have to pay first and claim from GE.

Another concern is that GE has payor benefit for both wife and baby plan but AIA has payor benefit only for baby and not for wife plan.

Can anyone clarify? I need some honest opinion on a good medical plan for my small family.

you can clarify with the AIA agent. under normal circumstances, all insurance company do offer the payor benefit.

Both AIA and GE should be cashless medical card and i believe not what you said is pay first claim later.

Interesting, I was offered similar product also from AIA. Not sure if it's worth to take it up as I currently do not own any personal medical insurance, and are only having company's group medical benefit.

[attachmentid=4873152]
Anyone can comment on this plan?