Why not just call customer service and check.

I'm sure they can give you an answer immediately.

and you can ignored the "noise" in here that claim he's always been cheated.

Lol

He tend to generalise. It's like an apple he ate is not sweet so all apple are not sweet.

This post has been edited by lifebalance: Jan 18 2016, 02:01 PM

You are right, when a MAA cheat a fellow here and he talk on this issue, other company's agents will say this is normal as they are trying to mislead that poor fellow that other companies won't cheat. And the next company also cheat this poor fellow, another company's agent will talk differently, this is insurance agent's SOP in real life. That's why I can be cheated for 3 times in a row

Well probably you haven't found your good agent yet then. Sometimes good things are just in front of you. You don't have to find high and low for it.

That agent I'm sure is not you

I don't simply take in customer as well =)

I understand that, those that not easily can be cheated sure you will avoid.

I LOL-ed

well, when I see someone who goes this low to hit on others, it just shows you're not a quality customer, albeit even a friend.

Good luck looking for someone who can tolerate your nonsense cause your money ain't worth my time no matter how much you're willing to spend.

Because no matter how you says, I won't buy also. You know this already so you just want to look for excuse for you to look good.

1) AXA Affin SCO is not guaranteed renewable. General insurance companies don't guarantee the renewability of your medical cards.

if your concern is on portfolio withdrawal clause, all companies have it one way or another. it's just a risk management way.

usually you can opt for conversion, but subject to the t&c.

2) no it won't

3) those that guarantee renewable are those of life insurance companies. but at the end of the day, this guaranteed renewable is pointless when they have portfolio withdrawal clause. it contradicts.

I think AXA Affin SCO is guaranteed renewable, subject to portfolio withdrawal clause.


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Hi All Insurance Gurus,

I recently did a review on my policy and decided to top my medical card

My old policy RM150:
Life : 50k
CI : 55k
Medical Card : 300k per life time
No waiver
Inside got cash value 5k ++

I top up another RM150 for the medical card with 10k life. Medical card Annual limit 1M and no lifetime limit with waiver

I had another MLTA worth 300k with waiver

I'm Planning to cut off the old policy since my sum assured is high enough to cover my expenses and it has no waiver and add another early Ci rider 100k into my new policy ( perhaps total cost me RM250-RM300 )

The problem is the cash value inside the old policy, will it worth to dump it all into the fund and let it roll ?

what i'm concerned is the cash value. if I dump it all into the fund. how is the performance comparison between the one I paying monthly in the old policy ?

This post has been edited by bbsanta: Jan 18 2016, 08:05 PM

Todays best discovery : "Show posts by this member only"

A lot of angers yang terpendam...

You can always upgrade from the old policy and change the benefits according to your need. If you feel that you over insured then you might want to consider cuttin some of the benefit. Performance of the fund is not guaranteed. You will have to decide if you need that you want to put the extra funds somewhere but ideally it'll be better to upgrade from existing policy

Unfortunately the medical card can't cause it's an old policy before AIA and ING merged ( old silver card ). Yes the performance fund ( AIA ) is not guaranteed.

Is there a big difference :
I continue with the RM150 installment ( where small allocation goes to the investment linked fund )

or

I cut the policy and dump all the cash value into the performance fund ?

It's really up to you. Since it's an old policy try to study the benefit it has, sometimes old medical card will cover some which new medical card would omit.

If there is no such thing then you may consider to surrender the policy and move the funds to your insurance as a single top up.

Ok Thanks for the advise

Question

If I am working in Singapore, should I continue to pay for my malaysia health insurance ?
My understanding is that if anything happen to me in singapore, my malaysia insurance will not cover right ?

So better off just cancel my malaysia insurance ?

Kindly advice

tq

Your coverage is still available should you be coming back once in awhile every 3 months to Malaysia.

E.g you need the operation to be done in Malaysia instead.

Should you prefer to get the insurance in Singapore, you may do so with their local agents.

Although Malaysia has extensive policies that would cover all the way up to Singapore.