Dear,

In actual fact bank do not have insurance, they only co broke with insurance co. Only insurance co has rights to sell insurance. What ever they sell they are partnering with an insurance co behind.

I have a guaranteed plan with high coverage, i will need some of your personal details. If you would like to hear more about it. Do PM me.

Dear,

Few categories you should look into, how much coverage you need for the below categories?

Liabilities protection?
Income replacement?
Savings for old age?
Children education fund?
Medical card?

Anybody here knows anything about Maybank/Etiqa smart cash? Every year can get up to 8% of sum insured. It sounds to good to be true. I tried to google around, but not much information is available.

It's an endowment plan, mind you, this is 8% on the sum assured, not on the cash value that you've invested in.

guys i'm planning to get an insurance (Medical Card Only) for my son, he's 24 years old and about to get his first job soon. I have looked on the AIA medical protection and interested in A-Plus Med (Plan 300) my question is can i get the standalone medical card package with that Plan 300 (RM877.68) or i need to have life protection plan bundled with that Plan 300?

Either way is possible. If you need me to advise you let me know

Hi, for best value for your bucks...

1) is he covered by his company's medical once he starts working?

2)if yes, you can consider getting a medical card with deductible... which will cost less...

3) aia offers both option, standalone and bundled. Of course there will be price difference

yup he's company covers the medical and that's why i'm recommends him to get the standalone medical card plan

Hi, probably need some explanation on the deductible part.

So if say company covers him for 30k. then for the best bang for the buck, he should get a medical card that covers him from 30k onwards until xxx amount.

the usual medical card covers him from $0 until discharge. buying one with deductible is like a top-up. usually those with deductible will be at least can be 50% cheaper.

This post has been edited by adele123: Apr 2 2016, 01:01 AM

thanks for the info and enlightenment about this option.
never know that this option existed.
was never mentioned by my (multi agencies) agents.
guess they aimed at higher sales commissions than advising me (the client) the better option.

thanks again.

If your company's medical insurance benefit is provided by AIA, you can choose a plan with a deductible option with AIA too!

Check out "A-Health Maximizer".
It is a top-up plan with a range of deductibles to choose from.
I think this would be exactly what you're looking for: https://www.aia.net.my/AHMPortal/download.html

There is the conventional option, and the Takaful option.

Hope this is what fits into your criteria

Dear Sifus,

I need your expert opinions on my proposed plan.


a. R&B RM150/Daily

b. ICU (Daily up to 180 days) As charged based on AL & LL

c. Hosp. supplies and services, surgical fees, op theathre, anaesthetic etc - As charged

d. Govt daily cash (120 days) RM50/daily

e. Emergency accident outpatient treatment RM3k/pa

f. Outpatient cancer/kidney treatment - As charged

g. Intraocular - Max Rm2k lifetime

Overall AL RM990k
Increase AL (NCB) RM9k
Overall LL RM900 + SE: Unlimited

Natural Death - RM80k
Accident Death - RM90k
36 Critical - RM40k
TPD - RM80k

Waiver until age 99: TPD/36 critical

Is this normal for RM200/month? I smoke (5 cigs per day), no family/genetic related diseases, earning >RM30k pa, 27 yo. No alcohol/drugs. Really appreciate it if you can voice your expert takes on this. Just wanting to hear second opinions.




Thank you in advance.

Hello... do bear in mind by doing this... one may not have sufficient coverage when one is retrenched... just a kind reminder...

Did the agent tells you that 36 critical will be reduced after claim once?
1 time emergency out patient treatment can cost rm500-2000, did the agent tell you the work around to claim after > rm3000?
Dialysis not covered?

Depends on the agent that you work with on how transparent they are, since your guy is a insurance broker, they should have a lot of different companies to offer what you're looking for.

A very standard Great Eastern policy, I think that's the best bang for buck you can find.

Hi all,

I already have insurance with prudential since 2000. Never use it until last feb where I had an accident. Total of everything including post hospitalization is almost 40k. When I went to prudential to claim for my post hospitalization (I no longer have agent) they told me my claim is limited to 50k per year, which mean, if I have another accident this year (god forbid) it won't be enough to cover it.

I can upgrade my insurance, but the problem is, I will lost few benefits like hospitalization daily allowance. Also when I took my insurance in 2000, I don't have any medical condition, but now I have high blood pressure and if I renew it, my insurance won't cover it. They advise me to maintain my current insurance and take a new one.

So, anybody can suggest insurance that cover accident and hospitalization? I think that's all I need because my current insurance can cover the rest.

Also they told me that new insurance won't cover 100% like my current insurance, where I need to pay 10% of the cost. Is that true?

Any agent feel free to contact me via PM. thanks.

Will need to talk to you further on this to see how to go about.

Obviously they are telling you that, in order to get covered, you need to pay more.
High blood pressure can lead to many other sickness, which for insurance companies this is a risk to them.
Is normal for them to demand more for lesser coverage.
The only way is cancel all policies and start visiting GH, let them have your medical condition reports.
Then start to control your blood pressure without any drugs, regular exercise, changing lifestyle are some where you need to start.

For your case, you can get some deductible medical card at cheaper price.

For example if your annual limit is RM50,000. You may get a deductible plan of RM50,000. If the bill is over RM50,000, you can claim over the other medical card.