hey does anyone have a policy from manulife? i currently have a policy from prudential but for the same amount of money manulife gives me a higher annual medical limit. Is there some sort of catch ?

Pm me details n i'll make d comparison. n v can explore d difference

You cannot compare apple to apple with the older Prudential policies because Prudentials old medical limits are low. The newer ones are being upgraded to cater for current needs.

Also pls check out Manulife's outpatient cancer and kidney dialysis treatment which is limited (to what i know). So there is always a give and take situation, depending what is important to you.

But as coolpajames had said, just pm him and let him do a comparison for you.

You should start early when you are young because the premium will be much more cheaper , the other thing you need to get an insurance when you are healthy because if you diagnosed with certain illnesses then you wont getting a medical card for the rest of your life unless you get it through group insurance coverage.

Even though you have coverage from you company you still can get insurance coverage at affordable price since company like prudential offers 3k deductible plan and 10k deductible plan that can reduce your premium a lot.

Please call me or sms me if you want to know more

---

Added on December 16, 2010, 6:23 pmIF you want to get a good medical you should consider medical with no " portfolio withdrawal" condition .

"The Company reserves the right to cancel the portfolio as a whole if it decides to discontinue underwriting this insurance product.
Cancellation of the portfolio as a whole shall be given by written notice to the Policyholder and the Company will run off all policies to expiry of the period of cover within the portfolio."

You dont want suddenly they cancel your medical because they dont want to continue the product.

However i would assure you that prudential's medical card has no this particular clause. If you have medical card from prudential you will definitely have it as long you pay the premium or your limit or age is still not exhausted.

This post has been edited by redruby: Dec 16 2010, 06:23 PM

redruby,

are you suggesting that PRU gurantees cover regardless of the situation for the duration specified upon signing even in the event that PRU decides to no longer offer H&S plans to the general public? this would the first time _ever_ i come across a plan that cant be canceled under any circumstances while i pay my premium and dont commit fraud. i was of the opinion every single plan has the portfolio clause in malaysia. can you double confirm this?

even for international plans i have not come across such a generous clause before.

thanks ronnie,

outpatient from manulife it's s such.

for the rider purchase of a RM50k outpatient benefit u get 50k lifetime limit and 25k annual limit.

what are the others out there???

n yes it's a give n take situation...s far s i know the manulife medical card is quiet impressive with high annual limit.

u get a R&B 200 medical card u hav annual limit of 160k and 400k lifetime...no ICU days limit (hehehehe tis i like) n u dun have any sharing of cost (cos i always do No Co-ins.)

I have seen Manulife's medical card, as i just have to say, the pros and cons:

Pros:
High annual limit and NO ICU days limit
Coverage till age 100 (which is a selling point)

Cons:
Not so high lifetime limit as compared to Pru, GE and Allianz
Out patient treatment for 50k per lifetime (both kidney and cancer treatment) is super low, considering that now 1 chemotherapy jab is in the region of RM15k. The limit will just burst off in a year or lesser.

So it all boils down to what the consumer needs and the budget.

I gathered these information when my client actually compared a Manulife proposal with Allianz which made him bought Allianz. So there is no one medical policy out there is the best, only the in-forced policy is the best.

Hey fren . . . to buy an insurance plan for yourself, the very 1st thing you need to do is
find a reliable agent from a reliable company. Cause different agent will quot a diff quot
for their client base on their level of understanding of the needs of their client.
This is very subjective if you wanna make your decision base on a quotation from 2 company.

so true. as long s the client feels it's the right choice

Hi guys, I'm seeking advice for insurance for myself, but I'm still a student yet I can't really afford to get too expensive insurance.

Mind to intro which insurance company that has better offer? or the pro N cons.

but you are from australia?

hmm, i think, all the company is the same. Just the plans are different, t&c etc...

btw, you are from AUS? If possible, get a medical plan there first.

hi, when u plan to have an insurance policy for urself, the most important thing is u must know what is ur affordable budget as it is a LONG TERM commitment, and what is the main purpose for this policy? mine to share?
i hope i was help.

to me life insurance , medical card policy.
will buy when i getting married.
of course for protection when go for operation. need a lot of money.
and when died, my wife still have a stable life.

hmm..y getting insurance after married?...any reason? what about single?

Hi,

It's good that you're taking a positive step towards planning your life. Don't worry about the cost as you can get a decent coverage nowadays with minimum outlay of RM100 - RM150 thanks to the advent of ILP products.

Most insurers offer similar product differentiated by their key selling points. Apart from the product, choosing a reliable agent is a must when you're buying insurance for guidance & support.

Cheers,

HH

But wouldn't it be more expensive if you take it later rather than now?

Hi,

In my opinion, you don't have to get married first to buy insurance as the core principal of insurance is that a man may face the 3Ds anytime. Getting married doesn't increase your life risk in any manner but it does increase your responsibilities.

Cheers,

HH

This post has been edited by HHalphaomega: Dec 20 2010, 06:37 PM

Its still same.

If u no believe u can ask the agent generate COI.

For example now u 25yr old,COI is RM100 but when u 30 yr old COI is RM200

Then you can ask agent to quote another ppl which current age is 30 yr old the COI is also RM200

Age does have a role in the premiums. Don't forget other factors such as health condition, inflation etc.