izit a good plan?

all sifus here, i'm planning to buy a new medical insurance. So need you guys advise on which brand best for this, GE, AXA, AIA etc...

My main needs below: ( as i'm broke and can't afford to pay for all these medical bills)
1) High annual limit and no lifetime limit (as currently mine is no annual limit for outpatient)
2) No co-pay or paying a single cent if i'm to normal gp, hospital specialist etc.
3) No pay and claim, and get can GL in advance.
I came out with the above points as I've started to use my company medical card and every time i went for follow up appointment with the hospital specialist, i will request GL in 1 or 2 days in advance and i'll get it within 30mins past 4 times. I'm not sure if these kind of policies available for any brands of insurance for personal one?

hi lifebalance, for the 3rd point. No need wait for GL, that applicable to admission or day care right? How about just treatment in hospital without admission or day care? No need gl and just swipe card only? I'll call u later assuming you're still with AIA.

I'm planning to get life insurance (just death and TPD). I heard that general insurance companies give a cheaper rates. Is it true? Anyone can quote me a term life or whole life of 1M age 30 non smoker. Thanks

i am having prudential currently. thinking to get another one for my kid.

well AIA generally better than prudential?

Is Great Eastern's Smart Protect Essential+ Smart Medix Xtra+ Extender for RM250/month expensive? I do get Annual limit of RM990k (Unlimited life time limit), RM100k lump sum for disability+ unlimited medical expenses + premium waved until age 99.

1) From my understanding from the agent, the total premium paid will be capital guaranteed? Meaning, GE doesn't touch my premium and I have access to it after x years in full. Or was the agent BS-ing me

2) Any cheaper plans? I just want medical plan which covers all medical expenses and capital guaranteed if possible lol

I see you're from AIA.

Any capital guaranteed medical plan (hospitalisation)?

Hi,
planning to go europe for few months, if i wanted to buy insurance for my travel, i have to buy with our local or oversea insurance company?

No itinerary, will visit few countries in europe, estimate 3-6 months

The agent misled me into thinking it's capital guaranteed which was the main reason why I signed up for the plan.

How much cheaper can it go? Since its not capital guaranteed, I'm not willing to pay that much premium. Perhaps 100-150 a month? Must cover medical expenses at least.

I haven't signed the policy yet but I will inform the agent tomorrow to cancel it.

I'm 26 this year.

can i know non lapse guaranteed apply to all company? How about Prudential

Hey, for payment of great insurance policy. We normally have to select premium indicator under maybank2u right for our insurance policy? Just ask if anyone knows. Loan indicator is for loans right?

interested to buy those  medical card as a backup plan..no need fancy fancy type la..i got frens bought at 1K + yearly but when i ask around, it will cost me 3-400 monthly..
then if buy for kids, if parents die they will top up la this n tat..but is there anything simple that i pay monthly 100+ ?

Yeah. But at the payment page there is 1 option to choose between premium indicator vs loan indicator.
I should choose premium indicator right?

Dear forumers and colleageus,

I would like to point out to make it clear that insurance premium sizes will differ for some. Some of us will pay more than others just like how some of us would pay upwards of RM5mil for a private residence. Some of us would pay a premium for a car with more airbags, some of us would pay for the gadgets and leather seats for the same car that caters for the same exact purpose.

Dear friends, we all have different levels of affordability, different spending habits, different pathways to a common objective that is to be financially secure and stable. We want to feel secure with our finances.

I would like to shamelessly speak on behalf of all planners, advisers, agents, that it is our common interest to solicit business opportunities and in doing so we deliver the right services and advice to the right people in the right way. I pray that this statement applies to all of us in building our careers, and strengthening the finances of our friends here on LYN, as well as our friends around us.

Dear colleagues, while it is to the best interest of the forum and the forumers here that we compete with our own value propositions, I wish none of us (advisers, planners, and agents) will suggest to any prospective customers that they are paying an unfair rate, to cancel their existing policies WITHOUT EVEN LOOKING AT THEIR EXISTING POLICIES AND WHAT THEY COVER just so we can secure the business opportunity, especially with life and medical insurance policies.
Such a practice is foolish and I highly condemn such practices as it is very unprofessional to do so.
A vibrant environment is good for everyone, consumers and providers alike. Let's keep it competitive in the right ways and everybody wins. Otherwise, the victims of unethical practices will only be our customers.

This is a great business to be in where in helping others around us, we build ourselves up too in terms of career and relationships. Though there may be a few bad apples here and there, let's not lose sight of who we are, the practicing standards we carry, and our common mission to have every Malaysian adequately insured.

I'm done ranting now.
Kthxbai

Hi,
Anyone here can advise on total surrender value?
Based on this policy, if survival benefit is withdrawn,
total surrender value upon maturity
= Guaranteed maturity value + Non-guaranteed maturity value
= RM15960+RM105256.68
= RM121216.68
Is that correct?
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Looking for insurance just medical card anyone can show me the way?

also no AIA, that co can go fuck itself

want to pay them, cannot process payment, blame my bank. first time i hear credit card need to call the bank manually to ask for payment.
give them documents to proceed with payment, takes 1 year to resolve, policy lapse multiple times, coz cannot process payment.
this lasted for a year plus.

in gist, give them money dont want to pocket it, then tell me owh you didnt pay us.

first time in my life i had to scold people to give them money.

If you are just looking at medical card alone, without buying the life portion, it's usually more expensive and the benefits not as great.

1) you can look into general insurance companies, allianz, axa, etc. (make sure it is allianz general and axa general, as they have both life and general division). they do offer standalone medical. if you buy direct, should get commission rebate

2) other life insurance companies do offer standalone medical. Example: Great Eastern, link below.

Great MediCare 2

Personally, i quite like axa smart care optimum, not too bad:

axa smart care optimum

PS: i have not done full comparison, just pointing you in the right direction.