INSURANCE TALK, ok let start
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 Jun 12 2012, 07:29 PM
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#1
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Senior Member
8,306 posts Joined: Jan 2003 From: Puchong Melaka Cyberjaya  
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In my opinion, P.A is very cheap thus it should be wise to buy as usually young people only die/tpd due to accident. (touch wood)
If you have extra money.. with just as low as RM110 per year (RM 9.16 per month)... why not? Great Eastern is offering RM110 per year with RM100k sum assured, sum assured is 10% yearly provided no claim for a maximum of 100%. One of the cheapest if you are looking for a basic P.A Insurance. |
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Jun 19 2012, 04:30 PM
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#2
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Senior Member
8,306 posts Joined: Jan 2003 From: Puchong Melaka Cyberjaya
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Hi All,
My sister has been approached by an Prudential Insurance Advisor and she has taken up a plan for the entire family - Investment Linked - Medical I am rather concern the plan for my niece/nephews which is at RM 110. As I know a lot of things are pretty little Basic Sum assured - RM 10,000 Medical Limit - RM50,000/P.A - RM1,000,000 lifetime 36CI Accident Coverage No any extra rider seems and I wonder why does 3 kids aged 4, 10, 16 are being insured so little? I asked for the quotation/proposal to be sent to me to understand but it seems so hard for her to do it. I just want to enquire what is the best adjustment should be done for kids at these ages base on your experience. Will there be any hassle to increase the coverage? What are the riders that in your experience is best to include in for kids at this age? Thanks This post has been edited by davidlow7: Jun 19 2012, 04:31 PM |
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Jun 19 2012, 08:35 PM
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#3
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Senior Member
8,306 posts Joined: Jan 2003 From: Puchong Melaka Cyberjaya
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QUOTE(roystevenung @ Jun 19 2012, 04:59 PM) Hi David, how young is your sister? Age next birthday shall be 38   Added on June 19, 2012, 8:49 pmHi .. Forgot to add on... that the premium is to be the most minimum for them since they are young and my sister must be fogging out a lot for the entire family... Of course I understand each cent will mean each extra protection.. but due to some financial constrain.. it may not be really possible.. So I just want to find what is the best and important thing to add on with the money paid and if there's any hassle if we were to add on in future once the kid is big enough to pay for themselves etc. This post has been edited by davidlow7: Jun 19 2012, 08:49 PM |
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Jun 20 2012, 02:05 AM
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#4
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Senior Member
8,306 posts Joined: Jan 2003 From: Puchong Melaka Cyberjaya
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Thank you.
I have personally called the insurance agent and on hold it until I am back this weekend to sort it out. I wonder what will happen if they have filed this in. My sister paid her money and in case if we do not want, will I be able to get any refund? Seriously my sister has no idea about this insurance and while I do not deny the plan may not necessarily be that unsuitable. I believe I should make her really understand before confirming. She is buying for 5 people which is a lot... which is a long term commitment so I wouldn't want to take chance. |
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Jun 20 2012, 09:35 PM
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#5
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Senior Member
8,306 posts Joined: Jan 2003 From: Puchong Melaka Cyberjaya
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Thanks for the info everyone.
But it is sad I am unable to change her mind. Some fear factor had been applied by the agent....to speed up things! |
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Jun 23 2012, 01:47 AM
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#6
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Senior Member
8,306 posts Joined: Jan 2003 From: Puchong Melaka Cyberjaya
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QUOTE(MaxWealth @ Jun 23 2012, 01:05 AM) Basic sum assured RM 10k? Year born 2008 Feb.36 CI also 10k? It is 10k only is it because it has been reduced due to < age 4? > age 4 child only will be given 100% sum assured. Kindly check. I supposed age next birthday will be 5. That was what my sister told me..... which maybe she was not too sure about it.... so I called up the agent and asked her to send me the proposal she drafted for my sis that been accepted.... But she did not..... and a lot of behind story....no point to think about it. Just hoping she would exercise her 15 days cooling off period..if miracle does happen |
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Jun 23 2012, 02:48 PM
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#7
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Senior Member
8,306 posts Joined: Jan 2003 From: Puchong Melaka Cyberjaya
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QUOTE(steve goh @ Jun 23 2012, 02:21 PM) Who would like to deposit more money, but do not want to use their own pocket money to save money? ? You should show us your detail and explain the plan you have here first. Because a plan can make saving money and money ! ! But not to save money than with their own pocket money! May 25, 2012 I join the plan, in just a few weeks, I have been able to prove 100% work! ! ! I saved rm2 + + .00 a month, and then I check my acct next month there is rm1700 + + income, and each month will be doubled ^ ^ rest assured, because our money is there a deposit fund in national Bank of Bank of the company .. 有谁想存多点钱，不过又不想用自己口袋的钱来存钱？？ 因为现在有个plan能让我们存钱又赚钱叻！！ 而且又不比用自己口袋的钱来存钱！ 我在may 25 2012 才加入这个plan ，在短短几个星期,我自己已经能证明是100%work 的！！！因为我存rm2++.00 一个月，然后今天我check了我的acct下个月就有rm1700++的收入，而且是每个月还会倍增的^^ 放心，因为我们的钱是存在一家有deposit fund 在国家银行银行的公司^^ have interest?!!! PM me name and phone number and we will contact you ASAP,thx also can email me stevegohsto@gmail.com Any website and information you have? |
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Jun 25 2012, 06:51 PM
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#8
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Senior Member
8,306 posts Joined: Jan 2003 From: Puchong Melaka Cyberjaya
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QUOTE(Juliet2788 @ Jun 25 2012, 05:41 PM) Of course. I get myself 3 policy already, yet im just 24. Haha Juliet... did you just reply to a post which was posted when you were 18?  This post has been edited by davidlow7: Jun 25 2012, 06:51 PM |
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Jul 16 2012, 02:46 PM
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#9
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Senior Member
8,306 posts Joined: Jan 2003 From: Puchong Melaka Cyberjaya
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This thread is all about discussing insurance..... why do we have agents keep coming in and promote?
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Jul 25 2012, 12:49 AM
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#10
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Senior Member
8,306 posts Joined: Jan 2003 From: Puchong Melaka Cyberjaya
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QUOTE(kensnin @ Jul 24 2012, 05:54 PM)  Leonard, not sure if u heard before Smart early Payout rider for CI from Great Eastern, they do have certain stage of percentage of early draw down. the rider is to pay upon early diagnosis of critical illness, not when the illness has become more severe. Financial Planner (Great Eastern) Prudential also has similar thing call Early Crisis Shield. I think GE starts first then many of them start follow suit. However the insurance charges for this rider is not cheap at later age. But of coz it has its good. My current GE medical has this rider included too. This post has been edited by davidlow7: Jul 25 2012, 12:49 AM |
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Dec 28 2012, 09:23 AM
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#11
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Senior Member
8,306 posts Joined: Jan 2003 From: Puchong Melaka Cyberjaya
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QUOTE(Pebbie @ Dec 27 2012, 11:20 PM) I'm 23, female. just started working and this is my first time getting insurance plan. A medical card is the one you need to first look for.What should I get? budget=RM150 |
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Dec 31 2012, 12:09 PM
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#12
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Senior Member
8,306 posts Joined: Jan 2003 From: Puchong Melaka Cyberjaya
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QUOTE(fahrur_07 @ Dec 30 2012, 08:10 PM) is there any insurance that cover maternity? I doubt so. my wife already at 23 weeks still can get insurance to cover the maternity and delivery cost? Insurance does not cover pre-existence thingy... |
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