Is insurance premium going to be cheaper, considering the latest article attached?

http://www.thestar.com.my/news/nation/2016...oved-ones-will/

Looking for standalone medical card for a female aged 54, currently have a few quotes from GE, AXA, AIA. Also have from @Roysteven.. Anyone has any suggestions/quotations?

Looking at room and board of ard 200-250RM.

I think you'll be quite surprised to find how many people that are exactly in that situation. Naturally, the main reason they won't be getting insurance is because it is an absolute torture to explain to agents how their state has come to be. Agents are so quick to assume everyone has a family. I also see those who grew up without one, will not feel the desire to start their own because they are very contented and fulfilled to live their lives either by themselves or among close friends. Think about it, if you're constantly by yourself as a kid, why would you suddenly feel the need to be surrounded by "loved ones" in old age? Though they may be alone, they are not lonely at all.

I am only putting out my 5 cents because I saw you saying that a couple of times now. I've spoken to those who are totally happy without any kind of a family at all and they can almost all agree that meeting insurance agents is an agony, simply because they can't quite find a way to explain their life choices.

Hi I am reviewing my medical plan and below are what I got:

Allianz - 79K Life, Medical 850K Annual Limit, No Life Limit. No CI waiver. Cost RM266.66 per month.
GEL - 12K Life, Basic Medical 90K Annual Limit, 900K Life Limit. Deductible Medical 90K, 900K Annual Limit, No Life Limit. With CI waiver. Cost RM210 per month.
Manulife - 10K Life, Basic Medical 150K Annual Limit, No Life Limit. Deductible Medical 150K, No Annual Limit (mean as long as within Life Limit), 850K Life Limit. No CI waiver. Cost RM216.66 per month.

Allianz looks good to me as it's a non-deductible plan with high annual limit and no life limit. And the premium doesn't really jerk up a lot with the benefits. But I always remember what u pay is what u get, I am afraid that I may overlook something or some drawback which I have yet to discover. Or could it be Allianz started with a much lower premium but increase drastically years later?

Can sifu sekalian help to provide some insights please?

normally, 24 Hours Road Assistance Service, if let's say battery flat or out of petrol middle of somewhere, any charges (except battery replacement)?

I have a question on excess claims

I stayed in a RM350 room under a RM300 company medical card. I was subjected to 50 per day excess charge as well as a coinsurance of 1000

I have a personal medical card of 400, what can I claim? Am I able to claim the unutilised portion since I stayed a lower room based on my personal medical card 400?

Both are Allianz cards