It's wouldn't be sufficient for most medium-high surgery. I've just done a claim for a single day of hospitalization cost RM28k, the total cost including pre-hospitalization and post-hospitalization are up to RM32k.

I'm recommending you to upgrade with Allanz and there wouldn't be any waiting period. Unless you want to change your insurance company or your Allianz agent, then you may change your insurance company. Seek back your previous agent and upgrade with him.

May I know how much premium for medical senior citizen?
For my parents, born in year 1954, 1956, no illness n good medical check up record
Thanks

need someone to advice on my current AIA policy. is almost 8 yrs since 2008. it is an investment linked excelcare plus rm200 per month. the medical annual limit is rm115k only. shall i upgrade it or change new insurance plan?

This post has been edited by aegis6503: Sep 17 2015, 03:22 PM

Age 60 and age 62 will still be able to get medical protection. The price might be step due to the risk involved is higher.

I have attached a photo from senseofmoney. The medical card is good however there are a few restrictions like co-insurance, kidney dialysis and cancer chemotherapy limitation. Most of the medical card nowadays do not have such restriction.

Am considering AIA's A-Life Med Regular with booster.

Annual limit of RM1.5m, no lifetime limit, zero co-insurance/deductible charges.

Any comments on the negativity/disadvantage of this policy compared with other insurer's plans? I am talking about a pure medical plan with no investment/death benefit/residual value policy.

As mentioned earlier. please get in touch with your old agent and upgrade from him/her.

To all experience Sifu here,

I gotten offered by Citibank a *AIA ESSENTIAL LIFECARE, that is monthly around RM90. I was planning to review it when the policy come and to see want to really proceed or not. However, i think the policy never came, or lost, and i drag until like more than 6 months already on it.

So i wanted to cancel it for cost saving and use the fund to get a retirement scheme instead. What should i do and how to cancel it? usually is there a lock down period or anything?

If it is an upgrade, does a big chunk of the premium go into agent's commision again?

If its an upgrade with the same insurer, the agent only earns commission on the upgraded portion only.

I'm currently having an agent who were working in AIA as telemarketer, this is the exact product he is selling. It's a traditional non participating whole life plan covering life and TPD.

Since you never receive the policy, you can always write a letter to AIA and tell them that you are looking forward to exercise the 15 days free look period. They will have to fully refund all the premium paid by you. You can try to give a call to AIA's call centre at 1300 88 1899 or Citibank call centre 03-2383 0000 (KL)

It would be much advisable to get your insurance from reliable insurance agent in order to get a proper and sound advice including the service for you when you needed the most.

This post has been edited by ExpZero: Sep 24 2015, 08:34 PM

Well, it's a traditional standalone medical/hospital insurance policy with very high annual limits, no lifetime limit.

The only negative feedback i get thrown at me is "expensive".
But a new Perodua Viva will never come with a 100k price tag, and a new Honda Civic will never cost only 40k.

By far, I feel this is the most comprehensive medical plan in the market.
But you may want to check with agents from other companies too cuz I am an agent from AIA and my opinion may be biased.

I'm thinking switch my current great eastern medical card to prudential medical card with the concern of great eastern legally able to withdraw the medical card business in future compared to prudential which have public bank as trustee. Any advice for this ?

ExpZero?

NA

This post has been edited by Catoblepas: Sep 27 2015, 03:28 PM

Doesn't really sound wise of you to do so.

I got the same proposal from AIA. So far my current agent from PRU told me currently they do not have any plan can match what AIA offered (no lifetime limit).

Is it wise to cancel current PRU plan and switch to AIA ?

This post has been edited by jpaul: Sep 28 2015, 04:58 PM

Every company will release new plan every few years in order to meet the current market and the inflation of medical cost. Just like hand phone market, we will upgrade every few years. But normally with a new plan with better benefit, the cost of insurance will be higher, everything come with a cost.

But it is always better to upgrade then change to another company, mainly due to we may need to incur another admin cost/distribution cost and causing lower of cash value.

Anyway, most important is to get the highest medical plan that we affordable while we still strong and healthy. As once we diagnosed with any long term disease (hypertension, diabetes, kidney problem & etc), then we may need to stick with the current insurance plan for rest of the life.

Hi would like to get a quote for medical card annual limit 1.32 million and lifetime no limit. Already has a medical card, so would like to top up on annual limit. Thanks.

Signed up for the pru access online and saw my pru savers account.

Money allotted 1800.
Pru equity price 1400.

Fuck this shit. I'm cancelling it. roystevenung what's going on.

This post has been edited by Avangelice: Sep 29 2015, 10:33 AM

Most of the Equity funds has been down since early 2015.

Same goes to most funds out there.

However when the funds are down you are actually buying more units.

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