MCIS has the highest medical  coverage compared to all the insurers.

3k per annum with coverage to 1.5 million.

my previous one with Prudential was 4200 per annum with 500,000 coverage.

reason being because my damn insurance agent decided to add on this rider and that rider that I do not need since I am not planning to have children.

as long as I understand the investment linked plan is used to cover for my medical.

I do not want a plan that is structured for return of investment and when a percentage of my premium goes to someone else who I might add decided to add 5 different riders on my policy back when I wasn't knowledgeable in the arts of finance and investment.

What website is that?

yeap correct!
for AIA and Allianz can do cashless claims in Singapore if im not mistaken.

All overseas treatment is on reimbursement basis and claims to be based on treatment cost in Msia or Spore depends on which Allianz medical card you hold:

Allianz Medisafe Infinite = Treatment in Msia & other countries, Yes claims will be based on the Reasonable and Customary Charges (RCC) in Malaysia.
Allianz Medisafe Infinite Extra  = If treatment in Spore, All benefits in respect of the treatment to the RCC in Singapore.
Allianz Medisafe Infinite Extra  = If treatment in Msia & countries other than Spore: follow RCC Msia.

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Your medical card from Allianz is the Infinite or Infinite Extra? @guviguvi
Also kindly take note that if it's the Infinite Extra medical card, there isn't Co charges of 20%. It is waived.

The Medisafe infinite has Co payment of 20% or 10% (Depending on RnB) if treated outside Msia, which in condition the total bill is more than 10% of Annual Limit, If within limit, all would be covered as well.
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Very stupid and EXTREMELY slow browsing access the Allianz Insurance online portal.. 

First time Reset Password because quite few months don't access to online portal to check the transactions detail.
After reset password, need "Activation Code"... (I though need to key-in "Product key"?)
After get the activation code, finally can check the personal information.
Then after 3 or 4 months, I access the Allianz online portal, AGAIN need "Activation Code". This activation code not like TAC send the code to the mobile number.
In fact, need request the activation code from Allianz there.. Is it everytime before I access this portal, then need "Activation Code" everytime from Allianz??

Feel extremely stupid for their system..

any prudential agents here can share the difference between PRUvalue med, and PRUlink one with medical?

i got proposed for a policy under PRUvalue med, with the following coverage:
life 300k
ci 300k
minor accident 8k
hospitalization rm200/day for room
lifetime limit 1.5mil
room and board RM300

and price is around 7k p/a... i understand from some friends that got PRUlink one with higher coverage, and lower premium... hmm so whats the difference, causing my premium to be so much higher as compared to my friend, with same premium, getting double my coverage?

Guys,

Is this a good plan? The insurance agent is my friend la, he proposed AIA to me.

RM220/Monthly - I got 1 week to decide cos b'day coming

Basic Income Replacement Plan
Death Benefit - RM50k
Total Permanent Disability - RM50k
Critical Illness - RM50k
Early Pay Critical Illness - RM100K

Supp Income Replacement Plan
*Hospital & Medical - Medical Card R&B @ RM150 with APM & APMB - Annual Limit 1 Mil

Projected Returns
Age 50: 55K
Age 60: 62,400
Age 70: 14K

Questions
1- Is it good to be insured as young possible, I'm 22 yrs. The younger you are, the cheaper it is?
2- As a young person, I want to save money for more important events, so is this necessary?

Haha yeah, friend didn't suggest the female coverage cos I'm not married, plus some of its critical illness is alrdy covered in 36CI.

And I def don't want to pay more

Cool

Not yet, I picked my friend because he also acts as my financial planner down the road

hi guys, currently m taking 100k prumultiple crisis cover for 1720 per year. m lookin to forfeit this n change other term life insurance due to d facts d coverage is low. 

how much premium issit per year for any insurance wit coverage of 150k. d coverage i guess shall b d basics 1, death, tpd n critical illnesses? tq
below some of my details
34years, non smoker (more than 2years), male, construction (but mainly at office). coverage till 65years old.
ive run through https://uforlife.com.my/ . it seems for 150k, d total payment (include critical illness) will b in d range of rm5x k till 65years old. its more or less same wit my current 1. m lookin for more better monthly commitment.. tq

I have to agree on this. Yeah I already engage with him 3 times. Meeting him again & again to clarify my doubts.

Thanks Jiuhwei! Appreciate it! Just shows there're a lot of honest people around

Medical cost are increasing every year, close to 10% every year.

So you are telling that, if an insurance company can cover rm1 billion in a lifetime also can? As they no need to pay the full amount following the regulation.
At the end, a person pay more to insurance company but still have to fork out money if he were to seek medical treatment in the wrong private hospital that charge much more expensive than what the regulation stated.

Kindly ignore the Kengyan and MNet above statement for providing misleading statement to confuse people.