good conversation. I have a father who does not have a medical coverage and is a heavy smoker. there are nights I lose sleep when I see him getting old and I am not sure if I can afford medical cost for him and no insurers would want to cover him.

Well only if I pump in alot of money. he is 59 years old this year

Thanks for the quick reply!
So my wife will be treated equally as to Malaysian buying any insurance in Malaysia?

Is there medical cards that provide dental coverage (e.g. dentures, scaling, braces)?

Hi all,

Can I ask why some agents encourage to us to pay the premium by monthly instead of yearly?

Is there any benefits to the policy owner? or more for the agent himself?

Thanks for the quick reply. But what was being told to me was that by paying monthly premium, I would gain more on the cash value compared to paying yearly.

Or did I heard wrongly?

Thanks for the comment. I'm really consent on Point No.2.
The top up will cost add. of RM4152, so the yearly premium shall be RM6552 with 50K Life, 50K CLR & 1.1m medical with removal of old med.
Actually my intention is to upgade the med benefit to 1.1m, or should i buy another standalone med card?

You see, first my agent insist that my policy can not do top up, than i had to informed them that i had confirmed with hotline and then they quo. me with the top up premium, ask me better buy another ilp so let the 2 policy run together. But for me, why do I need 2 policy for med?

PruFlexi Med annual limit is not tied to the room and board and customer is free to choose the annual limit.

Yr friend can get himself register to online customer portal and check that info himself.

PruAccess Customer Portal

need some advise on medical card. Any insurance company can offer a comprehensive a d good plan with monthly payment MYR 200-250 max budget, with annual coverage of hospitalize + surgery cost up to MYR 120k ? i dont need any investment link or investment portion as I put aside another portion of my income into saving and investment d. Can sifu sifu advise?

32 y/o, office / admin job, male , non smoker.
can do?

My service agent no longer working thus this new handling agent previously said no upgrade n need buy new policy, so no choice that time i brought a new ILP from other co so still undecided to cancel it as the raider has been removed. 

Insurance company is Great Eastern. This is for my annual company insurance coverage.

Would like know Great Eastern Medical insurance coverage can be extend up to singapore?

Actually i asked on behalf of my GF. She bought Great eastern 1 year ago but the agent no longer working. And she not sure about the medical treatment can be extended to singapore or not.

Anyway, i bought Allianz   But Singapore treatment got Co charges of 20%.

Which mean all insurance company also allow to claim if the treatment is done at oversea? Just based on reimbursement claim. correct?

i wan ask about deductible amount of GE smart extender 99 plan

Assumed
One client has
First Medical Plan
AL - 90k
LL - 900k

Smart Extender Plan
Deductible amt 90k
AL - 900k
LL - No limit

So total AL is 990k

Assumed in same year he has 2 operations

First operation 110K
Second operation 200k

First operation
90k - claimed first plan (deductible amount)
20k - claimed extender plan

How about second operation claim works?

Meaning the deductible amount 90k not need deduct again
in order to claim under extender plan?

So it can fully claim?

reimbursement basis mean pay by outself first then claimed?

because other brand agent told me that need to pay the 90k (since first plan annual limit fully use)
from own pocket money in order to use extender plan.
so that the rest 110k (200k - 90k) can claim
this is under another rider which is called SEM (Smart Extender Max)

Hi all,

I just bought an investment-linked medical insurance paying RM400 per month, which is 10% of my net salary.
Wondering if it is too high. How many percent of basic salary should go into insurance? Most people I know only pays ~RM200 for their insurance. I might have been pushed to get a package I don't need, kinda regret it now.

any alternative plan for  63 years old mother with
2 dependants?

What is the cheapest standalone PA in Malaysia (without hospitalization reimbursement)?

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Hi guys, I've few questions regarding this AIA investment plan I've mentioned in tgis thread (few months ago).

Regarding insurance:
1) What's Basic Cash value? Do I get it when I decided to stop this plan?
meaning just the cash value from the premium paid (not adding other cash bonuses). cash value is one part of the money u will get back when u stop/surrender the plan

2) How much of money that I can get if I surrender as at 33 years old?
if u surrender at age 33 u will get RM56183~RM61498 (based on Total Surrender Value column)

3) Why this investment plan (projection returns) like not growing money?
i will say this is more like a savings plan and treat it as a 0% savings for the first 10 years. of course u will get more after the 10 years savings term.

Regarding money invested vs Returns:
4) How it's calculated? I feel like I would "lose more money" if I didn't surrender asap...
first 10 years of the plan it is just merely breaking even. like i said treat it like a 0% interest savings first, this is more like a long term savings. not a short term (2-3 years) investment plan.

5) I've do many calculations before (based on my shallow knowledge). The returns of my plan is worse than I park my money in FD = 5915.5 x 10 years FD (3.5% per annum)
yes u r right

6) Should I surrender it ASAP to "admit lose" to cut lose?
i think no one can decide for you. u have to decide yourself based on your own needs and analysis

Thanks everyone for read this, good night.