I signup GE policy in Nov 2010 with SM200. In my policy contract, the 20% co-insurance does not come with Rm3000 capped. If the T&C or benefit has changed, does it apply to my old policy too?

I read somewhere in lowyat forum, there's a Zurich insurance agent said the 20% coinsurance is actually a penalty. So cannot transfer to a higher card (another insurer). Can Prudential agent confirm about this? I'm holding PMM2 300 medic card.

oh btw, can we pay insurance by Credit card?..

Conventional Insurance is much cheaper than Takaful. Is this statement is true?
BTW, I'm looking for a medical card for me and my wife.Appreciate any quotation/proposal. (PM Pls)

Me
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21/02/1982
Smoker
Manager

Wife
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18/12/1976
Non Smoker
Research Exe

Thanks

If I want to transfer my policy from a terminated agent to another agent.
What should I do?
Just the amendment form will do?

Dear All,

I have an enquiry. Personally i have 36 critical illness covered for rm300k by prudential and medical card coverage from GE.

Im looking into other insurance which could protect myself with the property  i have in hand. i'm looking for some affordable insurance for this purpose.. would insurance like Easy-Insurans Kasih Critical Illness & Easy-Insurans Kasih PA be a good choice for me? Looking for something to replace the MRTA so in case anything happen to me i can ensure my parents and my soon to be wife would not have headache with the house financing portion and at the same time still have the pocket money to live comfortably.

roys.. i don't see what's so hard to be understood. I'm asking for the insurance plan where the premium is low and there is no return unless something bad happen to you. was it so hard to talk about this insurance package or was it because there's no perk in return to insurance agent that's why it's out of the context of insurance talk in your dictionary?

Hi guys.
Am planning to get myself an insurance package.

But the thing is, I am a bit short of money, i.e can't commit that much per month for insurance contribution.

Thus, as wondering, is there any packages with minimal payment?
if so, what is the minimum?

I understand that less money paid for insurancce = less attractive package, but am willing to live with that at the moment, until I am better financially.

One of my friends trying to signup PruLady plan. Unfortunately, the proposal has been rejected. Agent never contact her for the reason of decline. Premium has been charged to the credit card. We suspect it was due to the fibroid (she has declared her conditions in the proposal form). She was diagnosed with fibroid about 6 months ago. But doctor said no need to operate. Just need to monitor.

My questions here:
1. How long does it take for the premium refund? She has been waiting for a few weeks already.
2. Can she appeal to Prudential? How likely the case can be approved?
3. Does it mean she can't purchase insurance in the future anymore (coz nowadays the system of the insurance companies are linked).
4. Are there any similar plans like PruLady in the market?

i m helping my friend to ask a group insurance . he is dealing with heavy machine industries.

but i wonder should he buy 1 to 1 for each workers or he can one shot buy a big premium and cover the whole group of employee ?

thx if someone able to give details on this ...or whether which is better and cover what ?

Dear All, as a follow up from my previous question. I'm planning to surrender my PRudential CI policy replacing the one offered by Allianz.

RM4k per annum.
Life Coverage RM700k
Critical Illness RM500k - if kena 1st level critical illness claim rm200k

To me it's much better than my existing Prudential Policy. RM3k per annum total coverage RM300k only. Any pro's and con's with Allianz?

depending on ppl.. . losing that couple of thousand is just a small piece of money and no, i would not want another policy and btw his doing prudential as well but to get the rm700k coverage it's much pricier for prudential. You are right thanks for highlighting on the part on value of cash. I'll ask him the value on cash portion down the road of 15 years, 25 years and 35 years however at this point i would really like to know are there any other insurance company which could provide me the same amount of coverage with lower premium paid per annum? Also he shared with me the commission paid out by prudential is 40% of the premium while Allianz is only 15% of the premium. Pretty much his a buddy to me i don't think he would be lying and that's where the lower premium comes into the picture.

My concern is always the total payout if anything happen to me and not the couple of thousand which I'm losing right now. RM700k is the ideal figure for me at this point of time and in 3 years time down the road.. I'm looking at the amount of RM1m.. These are on top of the MRTA which i purchased from the respective parties.