question on car insurance, is it true that for cars above 6 years old they will charge a loading of 10%?

Hi, I would like to know if I buy PRUvalue med from Prudential and picked the plan till age 90, the premium rate per annum will be fixed till I am 90 years old or will be increased according to my age?

Hi guys, if I choose a medical card plan with Co insurance and deductible, it will  lower my premium right? Which company offers this kind of plan ?

AIA offers such plans with both conventional and the Takaful version.

And you can find the application form and all the information here: https://www.aia.net.my/AHMPortal/download.html

Step 1: Download the form.
Step 2: Print and fill in the form with the plan you want.
Step 3: Walk to any AIA agent you can find and intro yourself, ask them to process for you.

sounds like i really need to do the math carefully to assess whether it is more value for money.

insurance company do have a projected premium for different age for standalone medical card plan, but they are subject to change right? i assume you're an agent? if yes, have u seen some client's standalone medical card actual premium vs insurance company estimated premium?

Is there a pure-term life insurance plan without investment/savings involved?

Hey guys,

I have a doubt and I hope any sifu can help.

I was admitted into hospital like 10+ years ago due to anaemia caused by malnutrition (diagnosed by doctor). Since then until now im healthy and illness free.
Last year I applied for a health insurance under this A company they requested me to do a blood test to prove that i was healthy and so i did. The result was okay and i was accepted as standard policy.
This year the agent approached me again and asked if I want to apply for medical card and said since I already did the blood test and they have the record it would be easy for them to approve me.
But i was approached by another agent from company B to buy their medical card as well and im more interested in this. So i went this company B instead. But after the blood test came out they said they have to delay my proposal because i was still unfit to be accepted. I was required to do the test for second time.
Now the agent from company A came to me again and ask me to apply from them as I have nothing to lose. He also said that if i got rejected from company B this time it will be harder for me to be accepted in the future. So he suggested that i apply from him first and I can cancel it within a month if im accepted by company A.

So my question is if i apply from company A will it affect my application from company B? Do I have to declare it when I apply with company B? I wonder if they get to check that i have applied from other company.
And is it true that if i got rejected this time it will be difficult for me to apply insurance nx time?

Sorry for the long post. Just hope anyone can clear my doubt here.

Thank you!

So you mean it's okay to apply 2 at the same time?

To confirm, standalone comprehensive medical insurance plan would mean that the premium paid is considered burn/hangus? e.g. no accumulation of sum paid?

That, and how is 'standalone comprehensive medical insurance plan' different than other medical insurance plan? I do like the term comprehensive, but am not sure if it is any different than other medical card?

Does it cover Critical Illness as well?

Thanks.

I've completed the introductory class already. The presenter keep on emphasise on ipad and say it's compulsory to enable the agent to participate in short term bonus like holiday trips etc.

I'm personally not keen to get an ipad though. My friend at GE is doing everything in paper with the occasional use of laptop.

Sifu-sifu sekalian,

I currently have an existing medical card and a basic coverage of ~100K across Death/TPD/36CI (all with GE) and would like to top up my protection (higher priority on income replacement for Early CI, but would ideally want the Death/TPD benefits if possible).

Wanted to ask for opinion in terms of which plan proposed is better and what are the pitfalls of each that I might not be aware off:
- Guess ultimately this might be a standalone vs rider comparison? Which is better for what kind of situation?
- Seems like quite a big difference in the monthly premium though. How come?
- Current medical card with GE has some form of early CI payout as well (think it was 25-50-100). Will claims be more difficult if I get a separate AIA protection? Do they accept copies or both insists on original from the hospital?

1) GE Early VantageCare (Proposed Sum Assured: 150K to 175K)
- Early CI payout of 50% (Stage 1), 100% (Stage 2), 100% (Stage 3)
- Sum assured is payable for Death/TPD/Full CI Claims
  a) Since this is a standalone CI ILP, the sum assured is projected to rise over time, which means death, TPD and CI coverage increases over the years.
  b) Upon full CI claim, policy is considered terminated (so no more death/TPD benefit), but there is option for death benefit buyback (apparently GE will calculate premium based on the rate for age of next birthday at that point in time, but no additional loading imposed --> "Premium of the buyback cover shall be at the same class of rating as this policy and in accordance with the company's rate then in use for the age next birthday of life assured without evidence of assurability".
- Estimated Monthly Premium: Max RM 400

1) AIA A-LifeLink + Early Critical Care Rider + Premium Waiver Rider upon CI (Proposed Sum Assured: 150K to 175K)
- Early CI payout of 30% (Stage 1), 60% (Stage 2), 100% (Stage 3)
- Sum assured is "separated" between Death/TPD and CI (since the latter is technically a rider).
  a) Since this is an ILP, sum assured is projected to rise over time, which means death & TPD coverage increases over the years.
  b) For CI, since is is a rider, the sum assured will remain static.
  c) Apparently, Death & TPD coverage is still inforced at 100% of sum assured *even after* full CI claim. (Not sure if this is true or agent is just smoking me)
- Estimated Monthly Premium: Max RM 300

I have prudential basic term assurance policy ( medical card) which premium rm1200 payable annually, can i change to paid the premium monthly?

who would really benefit from a Personal Accident Insurance?

if there a more competitive policy out there vs allianz shield cause i am due for renewal

Hey everyone,

I'm planning to move abroad for work next year. If I get medical insurance now, is there a way to transfer the insurance to my destination? If not, am I allowed to cancel policies after 1 year? Or should I just continue being uninsured until I move abroad? Thanks.

I'm planning to move permanently.

Hello everyone. Need opinion from you guys.

I am a fresh graduate, single and just recently work.
My company is giving 30k annual limit for medical and 70k for term life insurance.

Plus ive taken 100k asb loan with insurance if anything happens to me bank will pay the loan and parents will get the 100k asb cert.

I need ur opinion which one should i take whether an additional medical card or term life or critical illness.
Or should i just buy a medical card only. Is it possible as i heard agent will include all the rider plan.

Ive allocated below 200 for this all this insurance thingy and hope can make it below 150. Living as a fresh graduate with my current salary is quite hard so need to save up.

Why we can't buy insurance via internet but need via agent now day?

I don't know bank provide medical plan. What different medical plan from agent or bank?

My friend has a Pru Lady card.. She went to clinic and discover gallstones. One of the gallstones are big and require operation to remove. But doctor mentioned that its not urgent to remove.

So, if she go to private hospital, can she claim for the operation?