wonglokat without really knowing your situation and having the policies infront of us it's very hard to give a proper input.

Unless you can come up with specific questions then we can help you with themy.

Best,
Jiansheng

AIA

pls quote basic infant insurance package with 1mil coverage for hospitalization

tq

Why not Allianz? 🤓

Anyone can quote for standalone medical card for 58 year old female. The cheaper the better.

Hi,

If it's convenient, could you please provide me the following info for a more accurate quote?

Age of next birthday:
Smoker?
Birthday (day, month, and year).

Cheers.

This post has been edited by ssh2222: Feb 2 2017, 04:54 PM

Is it? I am interested to know more. I am turning 37 this year.

There are a lot of non-medical limit underwriting now in the market up to RM1.5 mil sum assured.

Some are even up to RM4 mil. What kind of insurance coverage do you have at the moment ?

I am diabetic with the blood sugar reading of 8mmol to 13mmol. Looking to buy insurance that I do not need to do any underwriting. Want to buy life insurance with the limit of rm200k coverage.

I am 37 m/smoker

hmm 8mmol to 13 mmol is quite high, i don't think any insurance company will accept

Hi,

May I know if there is any medical card that covers take-home drugs (apart from cancer and dialysis)? Thank you.

What type of drugs are you referring to? Insulin? For HBP or Cholesterol?

normally gov hospital gives free medicine/drugs..

Got

If you take group insurance with medical and gp card with AIA. The take home drug will be covered as per describe by doctor.

Too bad i'm not agent...

anyway, i like to point out a few things to you, insurance companies exist to make money la. so if you go for the kind of products where they say don't need to do underwriting or guaranteed acceptance, they usually have low insurance benefit or they are expensive, like that great cherish 80. it's usually defeats the purpose.

if you don't want to go through underwriting medical check-up, i can suggest buying it online. likely they won't ask you to do medical, but you may be rejected or loaded, but i guess in your case it's quite worth a try. no harm...

EDITED

This post has been edited by adele123: Feb 7 2017, 08:43 AM

I'm sorry but I have to say this, it's very naive and misleading for you to say that online application will bypass medical declaration and medical underwriting requirement.

Seriously you should stop advising if you're not a certified agent. Especially this is a public forum whereby what you say in here will reflect an impression to people who are genuinely looking for an insurance but they have a pre existing condition and end up getting a false hope.

It makes thing worse that you try to make a sale out after a misleading statement.

This is about ethics within the life insurance industry and I would appreciate that people respect the professionalism of the agents and the industry itself rather than creating a bad name for it.

What you could have said about this matter was that online application you may do it on your own but it's still subject to medical declaration and underwriting should you have any health issue similar to how you would engage an agent physically and submit all the forms.

Whether they would accept you or not with chances of decline or exclusion is decided by the life insurance company.

This post has been edited by lifebalance: Feb 6 2017, 10:00 PM

first of all, you misunderstood my post. Sometimes people get typo. What i meant was, since he doesn't want to go through medical check up, no harm for him to try out online. most won't request for medical check up. i did say he will kena loading or rejected.

I did not say medical declaration no need wo. you took my words and jump.

EDIT: just because some insurance can be bought without agent, doesn't mean your rice bowl will get affected.

This post has been edited by adele123: Feb 7 2017, 08:48 AM

I see your point.

But when you say if you do not want to go through underwriting, it could means that there is a certain insurance company providing online solution which doesn't go through any underwriting. Which by right it's wrongly stated already. The insurance company will still need to underwrite your case based on your medical declaration in their online form.

I'm sorry sir, you will not be accepted for life insurance underwriting with that blood glucose reading.
Perhaps you would consider PRS? It is not a life insurance, but it shares some of the features such as a tax relief of RM3,000, and the payout to your next of kin is quick and creditor proof.
Perhaps you may want to explore into PRS?
Here's an overview: http://www.ppa.my/prs/about-prs/overview/
And here's a bit more info: http://www.ppa.my/prs/about-prs/prs-scheme-features/

There is no medical underwriting required for PRS, but it locks your money in till retirement at age 55.

He's not an insurance agent... But to be fair, adele123 is very very knowledgeable.
Frankly he is not wrong as well.

The strict rules on ethics and conduct applies to us, not the consumer & general public.
Relax bro, don't be too uptight sometimes.

You can also consider into Personal Accident as there is a small amount for medical reimbursement and coverage for accidental death.

yes I agree. What irked me was that when they are trying to represent as 3rd party / part-time selling Insurance, they should know their product well and give the right advise.

If at times, they don't know whether it's right or wrong, clarify clearly with their upline first before promoting it.

adele123 does contribute a lot of knowledge regards to finance no doubt about that. His/her intention was clear but probably worded in a wrong way.