INSURANCE TALK, ok let start
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 May 15 2012, 07:29 PM
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#1
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Junior Member
508 posts Joined: Jun 2006 From: Lalaland  
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Guys need some opinion,
I have GE ILP 100k and the premium is RM1200/p.a . Dana Restu fund. 3 years already. Now I want to top up a medical card and ci, I want to take prudential medical card but need to attach with ILP as well. Should I terminate GE ILP then subscribe to Prudential ? or take both ? is it worth it ? |
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May 15 2012, 08:10 PM
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#2
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Junior Member
508 posts Joined: Jun 2006 From: Lalaland
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QUOTE(MNet @ May 15 2012, 08:07 PM) Last time ur ILP with GE include wat rider? with 44 years IL Waiver of Premium Plus. |
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May 22 2012, 03:50 PM
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#3
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Junior Member
508 posts Joined: Jun 2006 From: Lalaland
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QUOTE(roystevenung @ May 15 2012, 08:32 PM) Don't cancel the GE ILP as you'll never able to buy the 100K ILP again since it has been 3 years. Thanks,However, on the medical card & CI, the choice is yours if you want to get one from Prudential or upgrade it into your existing GE plan. If you were to cancel your existing plan you're subjected to the 'pre-existing illness' and/or the 120 days waiting period. The premium variance is nominal since the policy is only been in-force for 3 years. Keyword: GE Plan - Upgrade into the same plan, not give you another plan. I already have 1. Prubsn Takaful Plan 250. Deductible 10k. Auto Upgrade and Retirement. Life 10k 2. GE Life: 100k 3. ING Company Medical Card. Now I'm looking for my main Medical card, just in case I don't work with my employee any more. And surveying for early stage cancer or early stage ci. Budget RM 100 for medical card with lowest sum assured. Budget RM 150 for medical card with lowest sum assured and CIS or early CI or male CI. Already surveying Allianz(got a lot of early cancer rider) and Axa affin (like the no lifetime limit and high annual limit). Any other suggestion ? Age 29, male , smoker, class 1 worker This post has been edited by amerz: May 22 2012, 03:54 PM |
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May 22 2012, 06:55 PM
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#4
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Junior Member
508 posts Joined: Jun 2006 From: Lalaland
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QUOTE(barca96 @ May 22 2012, 04:28 PM) Somebody should make a sticky on how to choose an insurance policy agreed. No need to open a new thread about insurance anymore.QUOTE(RA78 @ May 22 2012, 04:53 PM) To match your budget, the best way is : Can you please share the plan brochure here. At least it will benefit others as well.1. add-on the medical card into your current GE plan (Should be within RM50) 2. Get a new plan with lowest sum assured and with Early Payout Critical Illness for C.I (Plan should be between RM 100-120 depends the waiver rider term years) If you interested to know more PM me for detail Good day. |
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