1984
Smoker
Accountant

Err...*re-emphasise*

I don't NEED the life+TPD coverage, reason why I chose ILP over stand-alone medicard is just for the premium waiver on TPD/36CI.

Wondering if anyone can comment on my situation. I currently do not have any outside insurance plan except from my company. I'll try to describe my situation in the least confusing manner as possible. My current age is 35.

July 2002:
Started working with current company, I have AIA card, good medical plan in general.

Feb 2014:
Expected my last at the company since I'm planning to pursue my study overseas, will have to hand over my AIA medical card.

March 2014:
Start of period without medical card.

September 2014:
Expected to begin studying at US university for my Masters, I will be forced to buy university-sanctioned medical plan as requirement for any new students.

June 2016:
Anticipated time of graduation from US and return to Malaysia to work, I assume my future company that hires me will also offer medical card similar to AIA that I had previously.

How often have I used the AIA medicall card from 2002-2014?
Not often, once every 6 months maybe, for regular fever or flu, never been warded, paling teruk pun just injection for severe tonsilitis.

Do I have a family?
I am single, unmarried.

My question:
If I want a medical card to cater for normal fevers, and God-forbids, critical illness, I presume at my age, it will be RM350/mo premium? Correct me if I'm wrong. What would be the strategy if i foresee that I'll be having university-sanctioned insurance while continue paying RM350/mo to Malaysia just to "maintain" a medical card here? Or should I just get a medical card when I return to Malaysia in 2016 at age of 37 and presumably pay RM400/mo for medical card by then?

hi all,
i need insurance for my f&b biz...please advise
islamic if possible

i just back from bank and talk to the guys about life insurance..
my question is,is all bank 'life insurance' rate same? if no? can suggest me any?
and since im new about this thing,its my pleasure to get feedback..

Any Prudential Agent can help me to check on my wife's policy??

As such I was told by my wife that the policy includes medical card but I don't see her holding any.

I don't even defending anything, I just listed out potential outcome and features of it.

Insurance is a big and long term commitment.
It is serious that policy holders to understand what they are getting, what they had committed.

Agent should be the one explain and let client understand what they had committed.
If a policy is guaranteed to have x cash value, and guarantee to cover until age y, then tell the client, one will have x and y.

While if a policy doesn't guarantee x and y, please don't tell the client that they are covered until y with the policy.
Please tell the client if everything work as projected, then the policy is covering until y, if not y doesn't hold as it is not guaranteed.
As simple as that.

Why it cannot be done in this way, aka explain thoroughly the actual real facts of the policy and let client understand in easy way?

I just do not want to see people after committed 15 or 20 years later, almost reach their life destiny time, only realise what they had committed is not what they had known or not as same as agent told. 

Hi, I have never heard of there is such plan providing annual limit RM990,000. Is it a new plan? Sounds very attractive! Does Prudential, AIA or other insurance companies offer annual limit RM990,000 and no life time limit and no co-insurance too?

Hope experts here can advise. thank you!

every sifu here, what would be the main difference/ standout of prudential life vs. GE life? been about 2 years with GE, but recently the service agent quite disappointed me. Thought of switch to prudential

Hello sifus, I wanna ask. Is it a good thing to become a part-time takaful agent? I am currently finding ways to increase my income and thought this might be a good route. What do you think? What are the details etc? Thanks!

Hey guys, i received a letter from GE relating to me about:-

A. GST - which I am aware of this
B. Topping RM20 bucks on my existing monthly premium

Should I be topping up the additional RM20? My current monthly premium is RM150.

Here's my current coverage breakdown:
[attachmentid=4307001]

I don't quite understand the damn letter that GE sent to me. GE lump up both details about GST and topping up RM20 into one single letter. Can't they do it in 2 separate letter?

Stingy basterds want to save cost.

Sorry about the rant, anyway, referring to the attached coverage details, should I be adding topping up the additional RM20 for the rest of my life?

When you buying insurance, the agent that served you never tells you that :
insurance agents are getting yearly increment of 10%
they are getting 4-5 months bonus every year
you need to sponsor their European 6 star hotel with 1st class flight ticket once half yearly

Because of the above 3 reasons, your policy will self depreciate every 3 months by 5-10%.

Hi guys,

I hv been talking to PRU and their agent told me that co-insurance is mandatory for any of their hospitalization policy. Is this true ?

can any insurance agent sifu help me here,
fyi, im 24yo, non smoker, job risk 2, no previous medical record
if my budget about 200 monthly, it's possible to have life/tpd/death/CI say about 100k, r&b 200, medical annual 1mil, no life limit, with CI/tpd riders

tq

A quick question, Prudential pruflexi med only cover until age 70?
If I want to cover until age 80, wat can I do and wat is the cost?

Hi Roy,

I'm an existing PruMed Major holder. I would like to upgrade to PruValue Med.
Do I need to wait for 6 months after PruValue Med is launched before I can upgrade or can I upgrade now?

Thanks for your advice. 

Hi Roy,

I'm an existing PruMed Major holder. I would like to upgrade to PruValue Med.
Do I need to wait for 6 months after PruValue Med is launched before I can upgrade or can I upgrade now?

Thanks for your advice. 

guys if your insurance plan is RM300 just for hospital room and board. Then i want to stay in a room where the total daily for everything is RM550. But in the insurance contract says "If there is an upgrade of Hospital Room and Board, a 20% co-insurance with no maximum cap shall apply." What does this mean & how much extra i have to pay?