Ask here also can ma

Oh I think that 1 you call your car insurance answer you better

Less ppl doing general insurance nowadays since the day insurance company took over and sell upfront to the customers. So better call their help desk, if you bogus it from an agent, get that agent to service you.

Age, smoker/non-smoker, gender, occupation and deductible within the policy plays a factor in the premium.

it's better to look into their policy first then you'll be able to tell what they're enjoying and what they're paying for.

If just based on verbally, it might be inaccurate.

Medical card

Not necessary, loading is due to health factor.

Your friends proposal should be based on what you are financially capable of as well as what kind of coverage that is important to you.

If you think you can't afford it in the first place, you should have voice it out that you need something that is within your budget.

Get your friend to properly advise you.

I don't t know about your background but if you're young, you can plan to get yourself covered for medical expenses first, should you want to add on other riders such as death, disability and critical illness then investment link is ideal. As long as whatever plan that you have in mind, you have something to fall back on in case of an emergency.

But don't overspend too much on insurance when you're young.

Again it goes back to budget, by adding more riders, you'll have to pay more to maintain the policy

That's a wrong way to advise people in here, a person should pick insurance based on sound advise and professionalism of the insurance agent and not based on cost factor.

So you're looking for a cheaper premium coverage than 1720 per year? It sound a quite reasonable for the coverage that you're covered at the moment

You pay for what you get. Can't expect to pay RM10,000 for a new 7 series BMW right?

This post has been edited by lifebalance: Jan 4 2017, 12:45 PM

1. It means you have the option to pay until 100 year old

2. Yes you will pay higher premium

3. The policy can be surrendered anytime but you will not get any maturity benefit that you will only get upon maturity that I'd 100 year old

If that's the last resort then cash it out and leave some money behind to keep the policy running until you are stable again then put the money back in

We all know our currency depreciate over time. The value of money today will not equal to the value in the next 10 or 20 or 30 years.

Which is why money put into policies will be invested into funds to generate returns. It's not 10% as stated by the other person.

As for the claim for 3 years, if there is no claim your policy will increase your limit by 10%. Something like car insurance no claim bonus. The insurance company rewards you

The benefit is that the policy will still be in force to pay out in the event you fall sick or accident or there is a death occur while you're busy repaying your debts.

You do not want to pay for another unknown bill while still owing to your debt which will make you fall back even much more

Kindly ignore the Kengyan and MNet above statement for providing misleading statement to confuse people.

It's simple as per Juihwei explanation, call and clarify with the hospital once the insurance company have made a decision.

The insurance company will not short the client as the adjuster will look into the matter. Then it falls back to the hospital for over charging unnecessary cost.

The hospital is also not silly enough to overcharge the insurance company because they know it will be checked, and ruin their reputation in the industry with other competing hospitals.

Try not to over imagine things and be rational with what you're trying to say in here as it will cause confusion.

If you're not sure, ask and verify with agents first before you start your allegations without proof.

Can provided the insulin reading is controlled and no other issue like high blood pressure.

Most likely will only be granted life insurance without TPD coverage + loading.

Will need to check with underwriter but it can't be assessed just verbally like this. Will need to do a medical check up

Let me know if you want to go through it

Bro he trolling only, well known couple a months back like supersound