credit card activated all the time, and its not just the agent

like now policy due liao, they say we will submit a notification to you - didnt happen
call them ask about the problem, owh we cant find you in our system,
ask whats the problem can only tell me "we cant debit from your CC"
ask further why, is it agent got my details wrong, whichever, "dont know, we just cant debit from CC"

last round same,

policy lapse that i didnt know, a few months after it lapse i finally receive a mail saying it lapse.
why it lapse, well i thought auto debit settled liao, mana tau haven't yet, this lasted a few months
then i chase and find out, promise to get it done by 1 week, not sorted out by both agent and customer support
everyone has the idea owh your policy due on "x" date still got time, until i pointed out, that it has already lapse, then all stfu,
after that i fed up have to go AIA HQ, scold people, call agent scold him again = settle.

hell my gym also no such problem, so i dont understand what simply credit from my CC.

AIA said they will do a lot of things, but didnt, they say they should go after agent, the guy is still there, they say will call me back, never did, they say will do this for you and let me know whats the result, - no response.

i just got off the phone from AIA, he say will sort it out manually, now i see if he will call back a not. will keep you updated.

Medical Insurance currently on MSIG but it's an annual plan.

what's a good plan with auto renewal ?

Hi guys.

For someone who has a pre-existing medical condition, is there any insurance company that can provide coverage for me? How much is the monthly payment going to be like?

I am 29 this year. have a medical insurance with AIA and paying Rm300/month. The coverage is 1Mil according to the agent. Am I paying too much for a medical insurance?
Any advice would be appreciated!

Yes.are you self employed? What age is the coverage until? 80? Is this stand alone or ILP

not a smoker. I think is Lifetime limit.

Not self employed, it covered until 100, standalone I guess. very little on the investment last heard from the agent.

What is the difference between standalone and ILP medical card in terms of premium payment?

Very well-explained. Thank heaps 
Agent told me in the long run ILP medical card would be cheaper coz premium would be maintained at fixed price till maturity. However after reading the sifus' replies here, I see that it depends on how the ILP investment performs in the market.

Hi Sifus,

I am a fresh grad just starting working life a year ago, looking to buy insurance.

May I know any advise on how much of medical coverage should I need?

Is there a percentage based on income or something?

I work in the office (not risky job) 25yo this year.

Many Thanks!

Lifestyle: hiking, gym, badminton, swimming, go pubs, party.
have 4 siblings all provided for themselves. mom and dad also support themselves.

any idea roughly how much premium should i be getting?

GE quoted me 3k annually (1.2m medical coverage), is it over insured?

All this is new to me. This discussion is certainly an eye opener for me 
And what about general insurance standalone medical card and life insurance standalone medical card? What's the difference?

yesterday i got a shock of my life when i found out that my life insurance nominee is someone i do not know. My nominees were nominated donkey years back and now i want to update new nominees and found that the current one is someone i do not know @@ I suggest all of you to please go and check if your nominee(s) are still intact! :/

My agent is currently following up on this and I am not going to speculate what happened,  so i have nothing to tell, but apparently i need my "current unknown nominee" signature to update my new nominee @@ i was like wtf...why do i need my nominee's signature or permission to nominate whoever i wanna gib my monies to?!! especially when i dont even know who this is...
weirder is, my husband who wants to update his nominees too didnt have to "ask" permission to do so (his nominees are still family members btw)

not trustee...is nominee @@ his/her name is in the NOMINEE section. Trustee section is totally empty.
my old nominees are all gone, replaced by this "new unknown" person and now i need her/his signature to update new nominees.
my agent is scratching his head.....also duno how to answer me liao...
btw, how do u nominate an unknown trustee?
I dont know this fella @@

Hi Guys,

Need Some advice on home insurance or MLTA.
i was originally planning to get the MLTA, but then Allianz had offer me their premierlink which is about 100 per month. total 1500 per year.

which sounds and looks better than MLTA and goes to me or family member instead of directly to bank which i believe is what MLTA is.
i have read the previous posts and found out since its a ILP, its been quoted to me with 100% invested in "allianz life managed fund"

i just need it to cover my home or future home if anything happen to me. i already have a medical insurance.

im worried about the fund allocation, if i need to pay anything extra in the future if the investment had gone bad or something like that.

appreciate your opinion and advice. 

you seem to know what you are getting into. Yes, if and when the investment really go that bad, you may need to top up. Yes, it's not MLTA, just an ILP that is quite cheap and works well to leave a sum behind for your loved ones (which still serves its purpose at the end of the day, because that's what you want correct?)

Yes, if you opt for MRTA, you won't have to worry about investment going bad, BUT the money will go directly to the bank instead.

There's no wrong or right but if you don't want this ILP, MRTA is/should be the cheapest option.

Yes definitely... am waiting for an answer...apparently system down because of monthend and they can check.

haha...nominee is not nominee and trustee is not trustee?
I can see clearly that they are both in different fields in the system...i mean they r both very different people in my policy

If I have a investment-linked insurance with term life coverage and add-on critical illness coverage, can I use it to claim medical insurance income tax relief?

I thought Critical Illness can claim for the medical portion?