I'm planning to get a job there but im not sure whether it will be permanant

One more question, let say I have an accident or illness in Singapore, and I admitted to their hospital for temporary treatment, if I return to Malaysia for my returning treatment is it still claimable?

Hi all, would appreciate some comments here even though I've got someone quoted me already.

Looking for a medical insurance for my baby, the agent recommended ILP instead of standalone medical card.

He's a GE agent, therefore recommended me the following plan:

SmartProtect Essential Insurance 2: RM2400 (RM200/month)
- Life: RM50k
with the following riders:
- IL CIBR: RM50k
- SMX150
- SMX150-99
- SE90K
- SE90K-99
- IL PWE
- IL PBE

I had a feeling that the riders might be too much but he told me that it's good to have all those in as the premium is not much. Since my main objective is to have a backup medical plan (my wife is a government servant, so most likely we'll be going to government hospitals if anything).

Therefore would like to seek a second opinion here, especially if any GE agents here can give some advises.

Thanks in advance.

That's quite a detail explanation, thanks for the help.

Thats for plan 500 only right

just surrendered my insurance policy today. was asked 5 times by the exec if I knew what I am about to do and whether my agent knows about it. I said yes 5 times.

I do not advocate everyone to follow my footsteps but the trust between my agent and I have been broken and I rather lose my insurance than deal with her.

Total spent on insurance since 2014 is MYR 9000. total received upon surrendering myr 3220.

with add on a very basic 10k life insurance and balanced fund unit trust portfolio to offset the increasing premium for medical. i wanted a very good medical card

The plan that u buy is not a ILP.
Its standalone medical card.

for 54 yrs old male, take medical insurance or medical card?

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

got AIA, got Great Eastern, got Prudential....actually which one has the best package say for medical plan?

Asics value for money

Lonpac Smart Medic looks good-ing 

Hi all,

I am a Malaysian and married to a Vietnamese wife. I am looking for insurance for my wife protection. BTW, she is a full time housewife.
I heard ppl saying that my wife will not benefit the same coverage as for Malaysian, is that true?If true, can I know what are the "EXCLUSION" for my wife as compared to a Malaysian?

Thank You.

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)?

oh, that is a shame, as dental tend to be the more expensive for clinic visits. But hey, insurance companies are not in it for welfare

Err agree with that, but my point is that there are medical cards that can cover clinic expenses (flu, fever, URTI, etc), so was hoping there are medical cards to cover for dental as well. Coz both are for of the same concept, getting one's back to 'normal' state.

it is true medical plan with investment link will have less impact of medical premium increase in future? compared to medical plan standalone.

To AIA senior agent,
i need advice I had AIA ilp with life50K, CLR50K, and medical EC100/MC100 65K limit per confinement, 404K overall lifetime limit, paid premium $2400yr for 14yrs and never claim.

I want to upgrade my medical benefit 1.1m, and was quo. with NEW ilp premium $4200 with life25K. If want to top up on existing policy with 1.1m, the cost of premium will be higher compare to buy a new one.

My Q is , if i take the new ilp, then after 4 months i cancel the old policy, will the AIA treat me as new customer? if treat me as new, may cause problem if later want to claim?