Hi all,

Alright, after scouring the vast Internet and its myriad of information, I have now more or less made up my mind.

Please suggest me an insurance plan,
which have the followings (or at least most of it) :

[1] Low premium (haha, if only. Possibly as low as RM50, max is RM100)
[2] High TPD coverage
[3] Inclusive of CIs (36, or is it 42 now?)
* NOTE: I am not overly concern if the death benefit is low, as if I am dead, am not using the money after all. And my God can't be bribed)

[4] If it is an investment-linked, it has to be Shariah-compliant
[5] Allows me flexibility to change riders/coverage amount/allocation between protection and investment, as and when deemed fit
[6] Would be great if it is internationally accepted (e.g kena hospitalize in US of A, the insurance can cover. You see, I do not have ObamaCare) Jokes asides, this is not critical, but would be good to have.

Do rain my PM with your proposals, and may the best man (or lady, for the matter), wins

sini ada salah faham.

Medical and car insurance provides the mean to help, not for gaining. insurance company indemnify for your loss, NOT meant for providing gains

Life insurance (on a more conventional basis), provides lump sum benefit provided event is fulfilled. so yes, if you buy 100 policies, you claim all 100 if death happens, but even if u buy 100 medical cards, you can only claim from one.

Death Report, Hospital Medical Bills + Dr. Report = 1x genuine certificate .. Photocopy 99 copies and submit yr claims?
How many insurance companies willing to accept "certify true copy"  ? 99 copies of Death Report, 99 copies of Medical Bills
and 99 copies of Dr Reports ..

Yes, company will accept certified true copy from commission of oath(Persuruhjaya sumpah)/ Agency Manager.

This topic has been discussed for numerous in this thread.

Any INSURANCE Agents help clients's claim submission before,  using "certified true copy" documents ?

Kindly help to share your experience here.. Will the insurance companies want to see the genuine copy?
Insurance companies VERY worry kena "con" , fraud, cheat by clients with all these "certified true copy" submissions.
Will submission of "certified true copy" claim took very long period compared to usual claim?

Hi guys,

Perhaps anyone can enlighten me of the difference between:

Takaful, and
Insurance.

Thanks!

Hi guys,

Perhaps anyone can enlighten me of the difference between:

Takaful, and
Insurance.

Thanks!

Can I get a tax deduction for medical card? thank you.

Yes of course...

yay, thanks.   some told me if i buy premium can deduct even more? is that true? btw med card no monthly payment?

When you receive your yearly statement from the insurance company, the life and critical illness portion can be exempted from tax up to a maximum of rm6, 000 including your portion of EPF.

As for the medical portion, you can lump it into the medical portion, up to a maximum of rm3, 000.

See below for item 21 & 24.
http://www.hasil.gov.my/goindex.php?kump=5...3&unit=1&sequ=1

Item 23 max rm3, 000 is mostly into savings. It is an annuity plan or better known as Private Retirement Scheme.

ING/AIA agent, I need your advise.

I've purchase a ING Prime Life insurance since 2010. I would like to upgrade the medical to A Plus Med (up to age 100) RM150 room board.

But my agent said it cannot be upgraded unless surrender the ING and purchase new from AIA. Reason being is term and rider is different from ING and AIA. Is that correct?

anyone getting insurance here?
is it right time to get now?
ur company does insured u
is that nessesary to start early?
as they say early u need pay cheaper

The early we start the better! Whatever type of insurance that you want to purchase just make sure that you have an absolute idea about the details of the policy. Good thing there are lots of resources now to compare policies for each type of insurance. From its rates, features, and interest rates :-)