Hi there, you've got PM

Thanks

Hi,

Which hospital did she went? no GL issued? If panel hospitals, should get GL and cashless basis (since you mention AIA)

I also agent from AIA, but so far never experienced any claim that took so long. one of my client went to government hospital, the only think that make it longer is we have to wait for report from the attending doctors. That's all.

Maybe you should ask your agent, what they need actually. so from there, we can find a way to speed up the process.

but you are from australia?

you can try Juara PA from Chartis

Income guaranteed rider = Annual payment starts on the 2nd policy anniversary following the disability and continued payable
up to age 65.

Critical illness shield - Living Medical Care Benefit = If you are diagnosed with a critical illness, you will also receive the amount shown opposite each year, for a maximum of five years. The first payment will be made to you 31 days from the date you were diagnosed with a critical illness.

for premium holiday u can opt to basic only or basic with rider

Rider can, but not basic life.

They dont have any existing coverage? or you just looking for topup coverage for them?

The advantages of education fund from insurance company is not from its return of investment but:
1) you can attached payor benefit so that policy will continue even unfortunate happen to you.
2) you can include your spouse as payor benefit so that policy will continue even unfortunate happen to your spouse.
3) tax relief

60 days waiting period for CI?

based on your story, you subscribe medical plan from General insurance co, which that mean, yes, you have to pay stam duty RM10 every year upon renewal

why not you ask around for quotation for different company, from there you can look whether premium will increase or not

can you provide details like age, smoking or not, and occupation?

as for me: 28, smoking, agent.

RM100,000 15 years term: RM359 p.a
RM100,000 20 years term: RM428 p.a

underwriter: AIA Berhad

you have two option:
1. just add in rider to your existing life insurance.
2. purchase a new stand alone plan, and for your age and RM150K coverage just require RM204 per year.

Thanks

it offered by Chartis Malaysia Insurance. You can check from my signature.

of course it wont return back, if you want it returned back, pay at least RM1200 per year.

thanks