so don't have to worry if we will exceed the annual limit

i heard now eventho u got medical card u still need to pay admission fees range RM300 to rm1000?
how about if GL is issued still need to pay or no need?
need to clarfiy on this matter

tq

Hi Sifus,

Any one can recommend which insurance to buy for the budget below?
Age -24 in a few weeks time. occupation- in office(less risk)
Female. healthy.
Cost: Less than RM200 per mth
Death/Total Permanent Disability: RM100 - 150k
Critical Illness: RM50-100k
Medical R&B: RM150 - RM200
Medical Annual Limit: RM100k above
Medical Lifetime Limit: RM1m and above

What's the point of having unlimited lifetime limits if annual limits is critical? Just focus on what kind of protection you want and your affordability.

Thanks for sharing.

what if she quits from her current job as a fill time agent and join other industry instead?

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

would like to get quote from agent here
my next birthday 29, non smoker, teacher
my wife next birthday 25, non smoker, teacher
have 1 years kid

looking for medical card and critical illness, minimum saving
currently i had term insurance from bank with pa so now focus on medical protection
for kid also medical card with min in protection, no education plan pls

anyone can help?

how about co-insurance?

let say i kene co-insurance rm1000 from prudential.

can I claim it from allianz the rm1000?

Uiks, am anticipating the answer to be no.

Then how does 1 claim for this?

Provide the hospital bill to 1 ins co, and then the receipt for bill paid to another ins co to claim for the 10%?

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Anyone heard about i-insure, which is a PA insurance coverage,
provided by Multi-Purpose Insurance Bhd?

The premium is only @ RM50/annum!
Coverage is for death, and permanent disabilities.
Sum covered is RM50k.

Link to the site: http://i-insure.com.my/i-insure/index.php

What are your take on this?
Is it good, not bad, or lowya insurance?

Thanks all for the feedbacks

From what I can deduce;

1) No cash value i.e money paid is non-refundable
2) PA only. In case of death, and permanent disabilities. Nothing else

However, am not sure what this meant :
"The coverage is not for death and permanent disabilities, the coverage is for accidental death and permanent disability." Ain't it the same?

And I believe this is better than nothing. But definitely not sufficient to be relying on this PA only. Is it aptly said?

I gave them an e-mail, and they responded:

It's actually good to take up policy prior to the surgery, as there may be chances that the surgery may cause accidental TPD.

I agreed with that.

And when I mention whether it is required to declare about the upcoming surgery, they mention no need.

On the downside, it only covers loss of sight to both eyes, which is claimable at 100%. Loss of sight for only an eye, then can't claim at all.

Sigh..

Hi my friends,

How do I know whether my agent offered me a good deal for life with mlta insurance? I'm not sure whether the premium I'm paying is too high or too low (good deal) for the sum I insured...
Well this is my first time and I don't have any benchmark...
Can I post the insurance details with premium paid here?