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 Insurance Talk V3, Anything and everything about insurance

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aarondotcom89
post Apr 11 2016, 03:52 PM

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QUOTE(ExpZero @ Apr 11 2016, 03:27 PM)
GE do not have Portfolio Withdrawal Clause.

Total Agency distribution Channel First year Premium market share
1)GE
2)Pru
3)AIA
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Sorry, I confirmed before that AIA and GE.
Only these two I know tho.

Overall, yearly new business sales..
Prudential achieved RM1billion new business sales for 5 years consecutively since 2010.
And last year, they achieved it in Sept or Oct notworthy.gif

Its true. Every insurer in the country is regulated.
So, generally all plans are similar just how the company executes them.
lifebalance
post Apr 11 2016, 04:18 PM

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QUOTE(ExpZero @ Apr 11 2016, 03:27 PM)
GE do not have Portfolio Withdrawal Clause.
Total Agency distribution Channel First year Premium market share
1)GE
2)Pru
3)AIA
Most of the plan are very similar, you can't get the best out of all. Just get one that among the best 3 choices. Example:
Let's say.
Company A
1. Product Feature & Coverage, number 1
2. Premium rate, number 3
3. Claims Service, number 2
4. Agent's Professionalism, number 1
5. Insurance Company Financial Strength, number 3

Better than

1. Product Feature & Coverage, number 1
2. Premium rate, number 1
3. Claims Service, number 1
4. Agent's Professionalism, number 6
5. Insurance Company Financial Strength, number 1
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GE has the withdrawal clause. I've checked
theFIREman
post Apr 11 2016, 06:22 PM

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QUOTE(lifebalance @ Apr 11 2016, 04:18 PM)
GE has the withdrawal clause. I've checked
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As of 27 Jan 2016, GE had removed the said clause. This applies for new and existing policy holders.
lifebalance
post Apr 11 2016, 06:25 PM

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QUOTE(theFIREman @ Apr 11 2016, 06:22 PM)
As of 27 Jan 2016, GE had removed the said clause. This applies for new and existing policy holders.
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ic, any publication or letter saying this ?
theFIREman
post Apr 11 2016, 06:31 PM

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QUOTE(lifebalance @ Apr 11 2016, 06:25 PM)
ic, any publication or letter saying this ?
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Yup, you wouldn't find this clause in the newer policies. For existing policy holders, you can request from your respective agent or Financial representative.
Ayrehn
post Apr 11 2016, 07:07 PM

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Fuh. About time! doh.gif
Weirdly how other companies never had such dangerous.

Now only remove haha whistling.gif
I wonder why..
JIUHWEI
post Apr 11 2016, 08:18 PM

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QUOTE(Ayrehn @ Apr 11 2016, 07:07 PM)
Fuh. About time!  doh.gif
Weirdly how other companies never had such dangerous.

Now only remove haha whistling.gif
I wonder why..
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If agent koyak, matilah
foohoa
post Apr 13 2016, 12:26 PM

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hi, can some insurance agent pm about the medical insurance with such requirement

health insurance for me and my wife combine monthly premium under RM100
cover about RM50k is enough for us
ExpZero
post Apr 13 2016, 12:37 PM

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QUOTE(aarondotcom89 @ Apr 11 2016, 03:52 PM)
Sorry, I confirmed before that AIA and GE.
Only these two I know tho.

Overall, yearly new business sales..
Prudential achieved RM1billion new business sales for 5 years consecutively since 2010.
And last year, they achieved it in Sept or Oct  notworthy.gif 

Its true. Every insurer in the country is regulated.
So, generally all plans are similar just how the company executes them.
*
Yes, you are right. nod.gif

QUOTE(lifebalance @ Apr 11 2016, 04:18 PM)
GE has the withdrawal clause. I've checked
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Withdrew the clause this year january. There is a internal circular and letter sent to all the clients, will attach it here if I got the time.
adele123
post Apr 13 2016, 01:01 PM

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QUOTE(foohoa @ Apr 13 2016, 12:26 PM)
hi, can some insurance agent pm about the medical insurance with such requirement

health insurance for me and my wife combine monthly premium under RM100
cover about RM50k is enough for us
*
i think this budget not do-able for 2 person. maybe possible, but abit difficult.

50k annual limit?
foohoa
post Apr 13 2016, 01:18 PM

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QUOTE(adele123 @ Apr 13 2016, 01:01 PM)
i think this budget not do-able for 2 person. maybe possible, but abit difficult.

50k annual limit?
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last time AIA airasia offer me 1 ppl RM38, i forgot how much the maximun claim
lifebalance
post Apr 13 2016, 01:45 PM

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QUOTE(foohoa @ Apr 13 2016, 01:18 PM)
last time AIA airasia offer me 1 ppl RM38, i forgot how much the maximun claim
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100 is abit tight but do able
theFIREman
post Apr 13 2016, 03:01 PM

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QUOTE(foohoa @ Apr 13 2016, 01:18 PM)
last time AIA airasia offer me 1 ppl RM38, i forgot how much the maximun claim
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I can generate quotations from all insurance companies in Malaysia. Honestly if you want a medical insurance for less than RM100, and for 2 person, you are only looking at hospital Room & Board claims.

i.e. If you're admitted to hospital, your insurance can only pay your hospital room; any other expenses (which forms a huge chunk of the bill) will be paid by you.

This post has been edited by theFIREman: Apr 13 2016, 03:02 PM
Madgeniusfigo
post Apr 14 2016, 12:57 AM

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QUOTE(lifebalance @ Apr 13 2016, 02:45 PM)
100 is abit tight but do able
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Dear,

Do show such low premium quotation, If it's true, I would think of buying it too.

CHeers
lifebalance
post Apr 14 2016, 02:48 AM

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QUOTE(Madgeniusfigo @ Apr 14 2016, 12:57 AM)
Dear,

Do show such low premium quotation, If it's true, I would think of buying it too.

CHeers
*
Sounds like a familiar sentence I heard before.

Cheers
JIUHWEI
post Apr 14 2016, 09:09 AM

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Fuyoh, can feel the tension between these two doh.gif
BuddyALSJ
post Apr 14 2016, 10:38 AM

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QUOTE(lifebalance @ Apr 13 2016, 01:45 PM)
100 is abit tight but do able
*
QUOTE(Madgeniusfigo @ Apr 14 2016, 12:57 AM)
Dear,

Do show such low premium quotation, If it's true, I would think of buying it too.

CHeers
*
QUOTE(lifebalance @ Apr 14 2016, 02:48 AM)
Sounds like a familiar sentence I heard before.

Cheers
*
QUOTE(JIUHWEI @ Apr 14 2016, 09:09 AM)
Fuyoh, can feel the tension between these two  doh.gif
*
Interested to see what RM100 can bring us! drool.gif drool.gif drool.gif drool.gif drool.gif
lifebalance
post Apr 14 2016, 10:41 AM

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QUOTE(BuddyALSJ @ Apr 14 2016, 10:38 AM)
Interested to see what RM100 can bring us!  drool.gif  drool.gif  drool.gif  drool.gif  drool.gif
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yeap possible if you're still young, definitely not when you're much more older e.g age 40 & above. console.gif
JIUHWEI
post Apr 14 2016, 10:44 AM

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It's down to the standalone medical plans lah.

Here you go (Pg 31): http://www.aia.com.my/content/dam/my/en/do...Med_Regular.pdf
kokkit3
post Apr 14 2016, 12:58 PM

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QUOTE(lifebalance @ Apr 13 2016, 01:45 PM)

hi, can some insurance agent pm about the medical insurance with such requirement

health insurance for me and my wife combine monthly premium under RM100
cover about RM50k is enough for us

100 is abit tight but do able
*
Dear,

I would love to see the quotation too, mind explain in detail.
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