we won't have a crystal ball to foretell what will happen with the future, if the customer would like to have a "certain" future, then traditional policies would suit them better as the returns are guaranteed albeit paying a higher premium.

Bottom line is, you can't have the best of both world, with investment link, you can manage your risk, you can select funds that are generally secure and safe such as fixed income funds, bonds, etc. It wouldn't go towards the extreme unless the country goes bankrupt and Malaysia ends up like Zimbabwe. You'll probably be able to foretell that future by reading the news and then cash out to another country.

As what you've mentioned, it's depending on one's preference. We're just providing solutions suited to different individual with different preference.

This post has been edited by lifebalance: Apr 14 2016, 10:06 PM

I don't know how old are you but if you're 21 yr old. 2 pax is rm115 for 100k coverage instead of 50k

good that you have such awareness now. get a medical card for yourself asap

It's a hospitalization card. Not a clinic card.

Only applicable through company group insurance. Unlimited clinic claim benefit

This post has been edited by lifebalance: Apr 16 2016, 07:10 PM

Under AIA.

This post has been edited by lifebalance: Apr 16 2016, 07:10 PM

As long as you're required to stay in the hospital then you can claim when the doctor admits you. Of course you will hope to be healthy all the time

Suicide 1 year later only can claim for new policy.

Explain why can't a customer combine a medical, life & savings?

I don't think that explanation is proper. Whatever the client spend in a policy. It doesn't matter how many rider they add on as long as the primary is able to substantiate the cost of insurance. You're indicating the client should buy multiple policies for each different rider. This in return will increase the total cost of insurance because of multiple policy fees.

Yeap e.g falling down the staircase

1. Will your company continue to cover you after retirement ? If yes, then don't need to buy insurance, otherwise get one, you'll most likely get laid off if you're no longer of used to the company if you're taking MC everyday once you're terminally ill

2. Yes, you'll be paid for natural death as the death sum assured is always the main coverage of an insurance policy, the critical illness coverage is a rider.

3. It will go to the unclaimed pool of funds in the insurance company.

You can request for change of payment to monthly if you want to, please contact ur respective agents to do the changes.

Cannot do via online portal for the change of payment mode, you have to submit the change via our counter either at Plaza 33 PJ or Menara AIA @ KL

You can take the ci and cancer coverage no problem

Cancer affect different individual differently

Yes, for a young person like yourself, a coverage for medical card would be sufficient until you are working on your own capability to get better coverage later on

most insurance company have. How can I advise you ?

PA can buy as much as you want.

Yeap just like life insurance.

Life inuance can claim from multiple policies

For the medical card you can claim from 2 card

E.g you got a company card and a personal card