Even though im not pay anymore?

This account have been more than 20 years old,i would say its finish contract or some thing...

Ok,Im understand.
1 last question,where did the bonus take out from?

Hi,so i actually have withdraw,rm4,000,and left around 3,000 right?how much will i get till i 55?now im 23.

Hi bro,

How about if I increase just room and board, from 150 to 200, will that subjected to waiting period?

Hi guys, im aged 30 with non-smoker

Currently has bought almost a year of the GE RM150 R&B medical card, 120k death, 100 CI.

Now I am in dilemma of upgrading the existing RM150 to RM200 or get the AIA one with more tempting benefits but lesser cash value.

Need a third pair of eyes on advice on this issue.

Should I continue another with existing GE, and buy the AIA for 1 year while waiting for the 1 year no-claim period?

Both are equally good agents with good plans. Too bad Im struggling with budget to get one of them only, else i would get both.

Anyone else can verified that these 2 are the best that i could get within these tiny budget?

Considered about it too, GE if upgrade the R&B increase it is 10% for every 3 years no claim, max 100% and almost same price.

Calculated and it is almost like 30 years to reach 100% while AIA is like 10 years no claim to 100% 

medical card w/o investment linked. is it still available in the market?

it seems to me no agents wanted to sell them.

Hello All
I'm new here.
Looking for medical card and did some checking around.

Need advice/sharing on below
1. GE medical card - Is this cashless card or your it's pay first and reimburse?
2. On traditional medical card versus Investment Link, in long run which is better from optimizing our money. Meaning, if I buy traditional medical card and the difference I invest?

Thank you for your sharing.

Thank you for sharing and agree on the Premium waiver rider for Investment Link.
However, in Investment Link, the investment returns are NOT guaranteed.
I have heard cases from friends that after 5 years or so, they are required to TOP UP in order to support thier policy.
Note ... thier are just Medical card investment link without any others riders.

This is my concern here. So thinking of traditional plan and the difference I invest in investment vehicle that can generate at least 5 % to 6 % (ASNB).
Any comments?

You can try to have a look at AXA smart optimum care. If you choose the deductible option, you get some discount. You have the option of changing it back to a non  deductible one before age 59 for free too. That way, if you combine your company medical insurance with this, you don't have to pay so much. And if you buy this medical card directly without an agent, you get a bit of discount too.

OK. Here's an excerpt from the policy wording.

Policy wording can be downloaded here

If company's medical card covers rm20k, one can opt for rm20k deductible and get 50% discount. Whether one opt for cheapest plan or not, it depends on his/her budget/preference. That 50% discount might help one to get the most expensive plan too, no?

You can get a lot of info here . Price list included. Maybe next time you can recommend this product in the future too? 

I don't know whether it's affordable for him or not too but I was just giving him a suggestion on standalone medical card.

At any 1 time an insurance company won't cheat, but almost all insurance agents will cheat.
http://news.sinchew.com.my/node/470379?tid=1
Another typical case of the buyer get cheated by the agent, or maybe using a softer statement, that insurance agent forgot to mention same sickness cannot claim twice with intention to secure a business
Like cancer, most of the time it can strike twice with second attack will be at higher stage or worst case strike at final stage.

Hi, i have a question on the investment link Insurance from AIA.

Previously in 2012, my father has bough me an investment link insurance and have been paying until today.

But last year the agent approach me again to propose to me another policy also investment link for better coverage and so on. after i take a look on the policy i agree to sign up for it.

So now i have 2 investment link policy in  AIA. but question is that i want only one investment link with 2 coverage combine so i no need to pay so much premium as i dont think so the investment link is so important that i need two. the Agent said it can be done but it needs one year to combine since the new policy can be void if within a year it is best interest for me  to pay for 2 policy for first year.

Recently i was thinking it is really waste of money to keep on paying 2 policy with 2 investment link and i am angry why the agent did not propose to me an upgrade policy instead asking me buy a new policy and later told me that it can combined but require one year time for the best interest of me.

i felt a bit cheated and really unhappy about it. anyone can explain to me is this the way the insurance go? because until certain point of time i am thinking of cancel the 2 policies with this agent and bought a new policy entirely new. and take out the money in investment link that my father sign up in 2012. is that doable? need some serious advice coz i am been  paying 2 policies currently and for god know why i should wait for one year.

Hello, is there any savings plan come together with life protection or medical? Lol.. Just asking..

Conventional vs takaful ?

What are the differences? That, and which would be better?

Dear Insurance guru,

Below is part of extract of projected investment return:

----------------------------------------------------------------------------------------------------------------------------------
Illustration of Expected Benefits under net projected investment return of Y%(8.50%) and X%(2.50) assumption

Insurance charges (at age 70)
Basic plan RM1290.96  Rider RM5867.75 (Total = RM7158.71)

Net cash value (at age 70)
Y% RM36,706     X% RM2,334

Yearly premium: RM3120
----------------------------------------------------------------------------------------------------------------------------------

Taking the more optimistic return (Y%), it seems like the cash value can only afford to pay for my insurance charges for the next 5 years (36706/7158 ) by the time I reach 70 years old.

My question is:

What will happen when my cash value is no longer enough to pay for my insurance charges at old age? Will my yearly premium double up to RM6000? This is because, I believe my yearly premium of RM3120 will not be enough to cover for the high insurance charges at old age.

Hope to hear your advice on this.

Thanks.