I've updated my comparison table as attached.

Seems like AIA has an advantage over Prudential and Allianz.

Thoughts / comments please?

yup yup good idea too. my fren is in need of money to settle cc debt, hence i am looking alternative for him. I worked in singapore insurance company, NTUC income, the loan interest here is only 4.5% daily, compound on yearly basis correct me if i am wrong below

my understanding is that you are not require to repay each month, a min fixed amount like normal bank personal loan / credit card, but instead it is ad hoc basis, you can pay back any amount any time, then your principal loan will reduce?
or is it a different case in malaysia?

I've updated my comparison table as attached.
Seems like AIA has an advantage over Prudential and Allianz.
Thoughts / comments please?

I've updated my comparison table as attached.

Seems like AIA has an advantage over Prudential and Allianz.

Thoughts / comments please?

Seems like investment not attractive at all.

I've updated my comparison table as attached.

Seems like AIA has an advantage over Prudential and Allianz.

Thoughts / comments please?

Seems like investment not attractive at all.

wah you actually spent time to build this up. Thought it's an agent job

Seems like investment not attractive at all.

Just some random questions that pop up from my head, I'm currently having a medical insurance with AIA and I would like to ask:

1. If I was diagnosis with mild dengue that would not need me to be hospitalized but still required me to pay for my med, can I claim using my medical card?

2. If I accidentally fell and break my wrist and still no hospitalization required but required to put a plaster on. Will my insurance be able to pay for it?

3. This happens to one of my colleague, her wrist was diagnosis with crack and experience pain regularly and slowly becoming more serious due to long hour of sitting in front of computer and using the mouse which puts a lot of stress on her wrist. There are few remedies, one is through surgery and another is acupuncture. Her doctor recommended her acupuncture but the full treatment was more than 10k. She tried approaching her insurance company but they refuse her claim. So I was wondering does apply to AIA as well?

When talking about projected returns, I always focus on conservative or realistic figures. Anyway this is medical / life insurance not really an investment vehicle for me. The returns are just to cover a portion of the monthly premiums.

I have other real investments where the returns are far better.

Just some random questions that pop up from my head, I'm currently having a medical insurance with AIA and I would like to ask:

1. If I was diagnosis with mild dengue that would not need me to be hospitalized but still required me to pay for my med, can I claim using my medical card?

2. If I accidentally fell and break my wrist and still no hospitalization required but required to put a plaster on. Will my insurance be able to pay for it?

3. This happens to one of my colleague, her wrist was diagnosis with crack and experience pain regularly and slowly becoming more serious due to long hour of sitting in front of computer and using the mouse which puts a lot of stress on her wrist. There are few remedies, one is through surgery and another is acupuncture. Her doctor recommended her acupuncture but the full treatment was more than 10k. She tried approaching her insurance company but they refuse her claim. So I was wondering does apply to AIA as well?

1. Not claimable unless there is an admission. Prior to the admission the resulting blood test results must show evidence that there is high fever. Otherwise the request for admission would be rejected.

2. You may get treated under the day surgery and it is claimable.

3. Acupuncture is not claimable as it falls under alternative treatment. Otherwise we may see claims for bomoh, sinsei and whatnot.

One of the terms and condition for the medical card is that it must be a certified Doctor and after the treatment, the patient gets well, if not better.

Thanks for the reply, for 3 question, my colleague did try that but the claim was rejected, so I hope this won't happens to AIA. 

Just some random questions that pop up from my head, I'm currently having a medical insurance with AIA and I would like to ask:

1. If I was diagnosis with mild dengue that would not need me to be hospitalized but still required me to pay for my med, can I claim using my medical card?

2. If I accidentally fell and break my wrist and still no hospitalization required but required to put a plaster on. Will my insurance be able to pay for it?

3. This happens to one of my colleague, her wrist was diagnosis with crack and experience pain regularly and slowly becoming more serious due to long hour of sitting in front of computer and using the mouse which puts a lot of stress on her wrist. There are few remedies, one is through surgery and another is acupuncture. Her doctor recommended her acupuncture but the full treatment was more than 10k. She tried approaching her insurance company but they refuse her claim. So I was wondering does apply to AIA as well?

hey can i ask something, is there policy loan from insurance in malaysia? whats the interest rate like?

What is policy loan?

Acupuncture and physiotherapy can claim under AIA

Updated comparison V3

No waiver for AIA policy?! 

Updated comparison V3