You might be surprised that certain agent will use this to confuse their client for their own insurance sales advantage as most consumer are not knowledgeable about insurance product.

Sorry but I dont think it applies to all insurers leh.
I've never seen this in my pru policy but I've seen my friend's policies, there is this withdrawal portfolio condition.
Reasons like nondisclosure then understandable but it says something like AIA reserves the right to cancel your portfolio if it decides to discontinue

Particularly I am kind of concern of this clause, and I found not many insurance company without this clause.

I found out only Pacific insurance, Lon-Pac insurance and Prudential insurance without this clause.

Another clause I found out only Pacific and Lon-Pac have guaranteed renewable.
Last one is " insurance company does not have the right to amend or alter the policy benefits of policy holder........

That clause only I found out in Pacific, Lon-Pac and Prudential.

Although some mentioned it did not happens for the past 25 years but I still feel it is better to protect myself first then pointless arguing when it happened.

Example of mine.
[attachmentid=6340048]

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

I know you trying your very best to insult me since you have many backups here, but if you dare to cover the lost from the chart you used to cheat or mislead like the chart is saying making 10%, if in actual it is only doing merely 0.5-1%, can you cover that lost?
Up to today I've not seen any agent that lurking here looking for victim have the guts to answer this question.
And like you said it is an investment, sure will have up and down, but why not use the down trend when selling?

Yup, but when an agent for the sake of cheating, they will use good numbers, till today I've yet to see an honest agent will use low numbers as projection
My ILP policy never do any number better than my savings account, but the "projection" chart he showed was 13%.
When a person can't manages his own money, the money will say good bye to him. That's why now why we can see fund managers are having luxurious lifestyle while people dumping money have to keep on work hard to hand over their wealth to others

not excluded as my agent told me.. when i started to buy it.. the agent say must wait for 1 yr cooling period for commit suicide.. lol.. my agent..  (hope experience agent can clarify this part)

he is the son of the branch manager.. i bet he won't dare to cheat me

explain everything from A to Z.. like 6 hrs ... free me umbrella and many gifts like pen calendar etc..

Appreciate if any one can help with these questions:

1) Does a person needs medical and PA insurance if the company he/she works for provides both?

2) If a person has 36 CI insurance but passed away due to natural death, what will the insurance company pay the person?

3) What happens to an insurance payout if both the insurance owner and beneficiary pass away same time and no wills?

Well, before my case happened, I do believe private hospital gives better service, but when things gets dirty, nope, GH still the only way I have to go.
I still remember when I lost my first son, the O&G doctor in private hospital do have very advance equipment, 4D ultrasonic scan, wow we was very happy to see the photos. But that doctor never do basic important checks and this lead to complications and 1 life are gone. Medical card? We have, but the ambulance fee we cannot claim and I have to settle it before my wife can be sent to GH.
As for what you pay is not what you get, it is we are paying premium, but at the end,certain claims we cannot claim, as it falls under their general term on the exclusion.

Dear,

I totally understand. I want to point out that no annual limit, then there is a life time limit is misleading! No annual limit means unlimited annually! But there is a life time limit! Meaning annually its limited to the maximum of a lifetime limit! Which in this case its 1.5mil, 1.5 mil it self is a limit, how can there not be limit?

How about a plan with a RM1.5mil ANNUAL LIMIT,
with NO LIFETIME LIMIT,
and comparable premiums?

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?

Hi Sifus,

Need some explanation on this:
R&B 250 + 70,000 MME
So R&B is 250 per day if I understand this correctly? And what is MME stands for?

Hi all, any AIA expert here to give advice to me ! Currently I have an old AIA ILP which almost 9 years now, previously I took out the medical card raider and purchase another ILP from another insurance company due to it cannot be upgrade and now is just purely critical illness. Should I terminate the policy now ?

Thanks for quick reply.

Yepp. I understand the reasons for me getting personal medical card and comprehensive insurance coverage for myself, but for kids.. my thinking is like this:

1. My husband and I are likely to be employed for next 20-30 years, both in industries that have comprehensive health insurance for dependents. So while the kids are dependents, they're unlikely to claim anything against our personal insurance.

2. Even if we both are laid off or resign, unlikely to be at the same time. And upon retirement, kids will be 20-30 years old.

3. Under the above circumstances, why pay for kids' insurance now? And 200-300 per month, isn't that expensive? How does standalone medical card for kids work?

4. Does it make more sense NOT to buy insurance while the are kids... And just buy when they are 18+? By then, medical coats will have changed too, and they will be under new insurance plans, rather than stuck with old ancient plans that we have to pay for 18 years (and hopefully never claim from)?

Sorry if my questions are stupid. I just don't understand the rationale for kids insurance, but many people seem to think I makes sense.