1. Do a comparison between the country you are in PR with for the life/CI and decide whether you need to cancel your Malaysian class policy. Some countries, you can buy high life/CI cover cheaper than Malaysia. Seems like the mortality rate for Malaysia is high.

2. As I understand it Malaysia does not allow dual citizenship. If you surrender your Malaysian citizenship you might as well cash out your policy and buy the insurance in that PR country.

Moreso if the PR country is an A list country since the medical will be very costly.

For a Malaysian class policy medical card, if you travel outside of Malaysia (except for Sg and Brunei) for more than 90 days, you need to fly back to Malaysia to get treated. If it was below the 90 days, you will be reimbursed with a customary rate as charged by the Malaysian hospital.

For example if the heart bypass were to cost USD 100k in the US, you will only be reimbursed with Rm80k (subjected to your annual limit, if any), which is the averagely charged amount in most hospitals in Malaysia.

Lets not forget that the premium that you pay is in RM, and it is only fair that ypu are reimbursed in RM.

1. You buy policy for protection, not for savings. In order for it to break even (the premium paid), it will take at least 20 years for the policy to be in-force. Even so, there is no guarantee it will break even.

2. If you are referring to the Life & CI, then yes, as long as you can proof that you were still a Malaysian (IC needed), then the claims for Life & CI will be honored.

Medical claims on the other hand is subjected to the travel and residence clause as stated earlier.

Yes, as long as the policy is still in force.

The policy follows your life, not your nationality.

Everything boils down to needs. If you have made up your mind and wont be returning to Malaysia, there is no point to keep it.

I am sure that you are well aware that you may need to purchase another insurance policy at the country you are residing.

Yes it is possible as long as you have an active bank account in Malaysia.

Therefore if you were to give up your citizenship (many people advised not to as it is impossible to get it back), you may have a problem to open a bank account as most banks will require some sort of verification due to Anti Money Laundering Act.

AFAIK, Malaysia does not allow dual citizenship.

Ps, insurance is not for savings, but for protection...

Bro/sis/sir/mdm,

I am from AIA and I can help you with it. (What happened to your agent?)

This is your p&c info, i think better we take it offline?

lol the background just caught my attention
is it a new product?

Bro/sis/sir/mdm,

I am from AIA and I can help you with it. (What happened to your agent?)

This is your p&c info, i think better we take it offline?

Yes. It is pretty standard, but I prefer to chat with you about it in private.

Stranger buka baju in public also I will faster cover him/her up.

hi, can someone enlighten me what is:-

AA rider
CLR
EDDI
HB - HR11 INS RB200
H&S - HSM6 INS RB50
EAPWP
VISIONLIFE

fyi, this is a very old aia policy. i think there is medical benefit/hospitalization, and since i have new medical card now (which active more than 6 months), i can delete this supplementary and revise the premium, right?

is this a traditional policy?

i have lost my policy and should not be a problem when come to any claim, right?