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 INSURANCE TALK, ok let start

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allenultra
post Sep 15 2009, 10:36 PM

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QUOTE(c.o.o.l @ Sep 12 2009, 05:34 PM)
Prudential - 10%, min RM300, max RM1000
GE - 10%, max RM500, 20% if exceed room limit
ING - no co-insurance
Allianz - no co-insurance
AIA - 10% max RM3000 if exceed free co-insurance amount
*
To add in

Package from HLA

MedGlobal II, 10% Co-insurance
MedGlobal IV, no Co-insurance

Added on September 15, 2009, 10:37 pm
QUOTE(c.o.o.l @ Sep 12 2009, 05:34 PM)
Prudential - 10%, min RM300, max RM1000
GE - 10%, max RM500, 20% if exceed room limit
ING - no co-insurance
Allianz - no co-insurance
AIA - 10% max RM3000 if exceed free co-insurance amount
*
To add in

Package from HLA

MedGlobal II, 10% Co-insurance
MedGlobal IV, no Co-insurance

This post has been edited by allenultra: Sep 15 2009, 10:37 PM
allenultra
post Sep 17 2009, 10:22 PM

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QUOTE(jutamind @ Sep 17 2009, 10:16 PM)
the next question is: how many people is willing to fork out the $ to pay for stand alone medical card after 70 years old?

I just got the premium table for AIA ECP+MCP (AIA ECP+MCP Premium) and it costs >7k for medical coverage over 70 years old
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How many people willing to fork out? Its depend on the people actually, if he think he has financial stable and dun mind to pay for it for a peaceful sleep every day, why not?
And not all people will go for unlimited lifetime limit, maybe 600k or 900k will do for them? That will not cost so much for sure.


Well some people buy medical card as a rider with their life policy. Use the cash value accumulated to pay the medical card expenses every year. Medical card rider can be paid monthly, for those who can't fork out high premium at once. Standalone? no.

This post has been edited by allenultra: Sep 17 2009, 10:23 PM
allenultra
post Sep 23 2009, 05:24 PM

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QUOTE(yoshiishi @ Sep 23 2009, 11:07 AM)
Hi All,

Got a colleague turn agent ask me wanna buy insurance or not.

I currently dont have any insurance coveraga, so he
Recommended me Smart Medic  -GE, monthly payment is RM220.

Not sure to take it up or not.
Anyone have this, whats the pros and cons of this plan.
Is there a better plan from other insurance company out there?

Btw - age is 31, non smoker.

Thanks is advance.
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Better plan from other insurance company out there?
I believe tons of them. On par if not better.

Why not let the agents know what kind of protection u after instead of they design u a plan?
Basically that should be the way, learn what the customer want instead of prepare customer something they may want/not want.

Eg, breakdown on what u require. CI/CPA/CIWP/medical and etc.
allenultra
post Sep 23 2009, 09:31 PM

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QUOTE(p3nang @ Sep 23 2009, 08:57 PM)
Well, for your information, ING is up to 80.
Do anyone feel that they need coverage up to 100?
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Have u thinking of its better to have the option for customers to choose from?
even though not all customers will want it but u never know what are they thinking around the age of 80 or 85.
allenultra
post Sep 25 2009, 11:56 PM

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QUOTE(DalphinuS @ Sep 25 2009, 11:53 PM)
u're from Pru, while leecy from GE?
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It isn't hard to know based on their posting and signature.

This isn't a way to increase your post count.
allenultra
post Oct 21 2009, 09:27 AM

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QUOTE(alsree786 @ Oct 19 2009, 04:16 PM)
am looking at a medical insurance scheme, was wondering what's the difference between having a "hassle free" and one which gives me a medical card? Hope someone can help me clarify this...
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What u mean hassle free here?

Are you talking about an insurance package that is just protection plan? Please elaborate more.
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