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Insurance Talk V4!, Anything and everything about Insurance
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lifebalance
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 Mar 16 2017, 02:57 PM
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QUOTE(jojoe @ Mar 16 2017, 02:52 PM) can someone suggest investment link insurance for 36 male non smoker ~monthly rm250 my current policy been very long time and i think i should update it with the current latest offer. It will be advisable to meet the life planner face to face to further evaluate your financial health status to provide a better advise rather than just putting in a budget in here. |
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JIUHWEI
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Mar 17 2017, 06:02 PM
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QUOTE(jojoe @ Mar 16 2017, 02:52 PM) can someone suggest investment link insurance for 36 male non smoker ~monthly rm250 my current policy been very long time and i think i should update it with the current latest offer. You definitely should update it with the current latest offer. However, kindly check with your current agent on the options available to your current policy.  It's definitely not gna cost less than RM250/mo additional premium. |
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TSroystevenung
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Mar 17 2017, 07:42 PM
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QUOTE(jojoe @ Mar 16 2017, 02:52 PM) can someone suggest investment link insurance for 36 male non smoker ~monthly rm250 my current policy been very long time and i think i should update it with the current latest offer. Do a review with your current agent to do a top up if you find the coverage is insufficient. An upgrade (instead of getting a new one) is always for the policy holder benefit. You may read more on my blog on why it is not beneficial to you to cancel a policy just to get a new one, if you feel bored. |
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SUSMNet
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Mar 18 2017, 09:38 AM
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QUOTE(mktan78 @ Mar 15 2017, 04:23 PM) Hi, I understand that, I just want to tackle the part on charges for medical card , for the case of Prudential quotation, total premium (monthly) is RM460, this is made up of basic account ILP (rm16.68) and CI (rm13.00) ; protection account PVM (rm367.94) and waiver (rm62.38). So, I just want to compare only the RM367.94 part (which total to RM4415.28 yearly as opposed to GE with only RM910.82 yearly). PVM or SmartMedic + SM Extender, this should be the comparison part that I'm interested in, while each product comes with its own COI, I'm more keen to understand what makes the vast amount of differences which is 4.8 times higher for PVM. Assuming these medical card as car for analogy comparison, then I need an answer why Perodua cost only 60K while a BMW cost 288K, each still a car but bearing different price tag, so what exactly more superior of BMW vs Perodua to worth the additional 4.8 times higher price tag to facilitate consumer like me to decide which is better car to take up. I'm getting long-winded , sorry about that.  u should post the COI for the prudential. We can help u analyze. |
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mktan78
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Mar 18 2017, 11:24 AM
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New Member
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QUOTE(MNet @ Mar 18 2017, 09:38 AM) u should post the COI for the prudential. We can help u analyze. As informed, PVM COI (attached) only for 1mil med points while the one compared is with 1.5mil med points. Quotation doesn't comes with full listing of all COI, so, really doesn't know where to get it. Attached thumbnail(s)
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mktan78
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Mar 18 2017, 11:26 AM
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New Member
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QUOTE(mktan78 @ Mar 15 2017, 04:23 PM) Hi, I understand that, I just want to tackle the part on charges for medical card , for the case of Prudential quotation, total premium (monthly) is RM460, this is made up of basic account ILP (rm16.68) and CI (rm13.00) ; protection account PVM (rm367.94) and waiver (rm62.38). So, I just want to compare only the RM367.94 part (which total to RM4415.28 yearly as opposed to GE with only RM910.82 yearly). PVM or SmartMedic + SM Extender, this should be the comparison part that I'm interested in, while each product comes with its own COI, I'm more keen to understand what makes the vast amount of differences which is 4.8 times higher for PVM. Assuming these medical card as car for analogy comparison, then I need an answer why Perodua cost only 60K while a BMW cost 288K, each still a car but bearing different price tag, so what exactly more superior of BMW vs Perodua to worth the additional 4.8 times higher price tag to facilitate consumer like me to decide which is better car to take up. I'm getting long-winded , sorry about that. @roystevenung, as the only qualified Prudential guru here, maybe you can comment bit. Thanks. |
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SUSMNet
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Mar 18 2017, 02:42 PM
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QUOTE(mktan78 @ Mar 18 2017, 11:24 AM) As informed, PVM COI (attached) only for 1mil med points while the one compared is with 1.5mil med points. Quotation doesn't comes with full listing of all COI, so, really doesn't know where to get it. COI so expensive. |
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lifebalance
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Mar 18 2017, 02:45 PM
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QUOTE(mktan78 @ Mar 18 2017, 11:24 AM) As informed, PVM COI (attached) only for 1mil med points while the one compared is with 1.5mil med points. Quotation doesn't comes with full listing of all COI, so, really doesn't know where to get it. Is this reflecting on the latest COI after their recent increase on the cost? |
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diaBoliQu3
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Mar 18 2017, 09:35 PM
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Hi, I'm 29 this year, and expecting a baby this June. I already covered by Etiqa Twin Special. However now I'm thinking of getting insurance plan that will cover my family too. Is there any recommendation and what kind that I should get? Other than that, I'm open to other type of insurance and I doesn't mind to cancel my current Etiqa if my latest insurance offer a better offer or deal.
I'm 29, non smoker, no chronic illness, a Medical Assistant in government sector, income around 50k annually. Wife 29, non smoker, no chronic illness, not working.
Thank you.
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mktan78
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Mar 19 2017, 12:25 PM
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New Member
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QUOTE(lifebalance @ Mar 18 2017, 02:45 PM) Is this reflecting on the latest COI after their recent increase on the cost? The 1mil med point from their website, but the 4K premium on 1.5mil med point is from recent quotation, last week. |
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mktan78
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Mar 19 2017, 12:29 PM
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New Member
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QUOTE(MNet @ Mar 18 2017, 02:42 PM) Expensive is one thing, but I do want to find out the rationale behind. Eg, one company promises moon and stars with kitty cost, another with such limited benefit per say, but such higher premium. So, cheaper better and expensive lousier? Or there's catch between the lines that consumers like us failed to distinguish. I don't think Prudential is a no brainer to charge such high COI, but just we may failed to understand the logic behind when rest of competitors are having much lesser COI. Heachache. Seems like no guru or sifu here that could explain this. |
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bryancsk
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Mar 19 2017, 11:01 PM
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Getting Started
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QUOTE(drbone @ Mar 16 2017, 06:41 AM) Is there any insurance plan for direction against fire or theft for which the premium can be paid via AMEX card during the weekend ? Sounds like you are looking for General Insurance, but i cant seem to understand your question. what do you mean direction against fire or theft and can be paid via amex during weekends ? Cheers |
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WaCKy-Angel
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Mar 19 2017, 11:05 PM
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QUOTE(drbone @ Mar 16 2017, 06:41 AM) Is there any insurance plan for direction against fire or theft for which the premium can be paid via AMEX card during the weekend ? Tokio Marine has a kiosk at AEON Mall Shah Alam operates on weekends, however i doubt they accept Amex due to the higher charge. |
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drbone
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Mar 20 2017, 09:40 AM
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QUOTE(bryancsk @ Mar 19 2017, 11:01 PM) Sounds like you are looking for General Insurance, but i cant seem to understand your question. what do you mean direction against fire or theft and can be paid via amex during weekends ? Cheers Just realised my typo , was using mobile phone that's why. I meant protection, not direction. |
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shahizz
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Mar 21 2017, 02:13 PM
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New Member
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Hai everyone. I need some opinions from all sifus on my current situation that im facing right now.
Before that im 30 yrs old and still single and currently im having two insurance policy from AIA which is:
1) WHOLE LIFE PLUS NONPAR = 100K (issued jun 2012)
2) A-LIFE LINK-i = 161k (issued jan 2016)
Both insurance i paid for rm161.2 and rm267 each which is to me quite an amount.
Yesterday, my old old friend which is an insurance agent with ABC company came to me and ask me to bring my policy book. So keep the story short he wants to offer me a new insurance policy which is better than what im getting right now. Plus the amount i'll be paying lesser. He ask me to surrender the policy that im having right now which to me is not a good idea.
Any advice sifus/gurus?
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TSroystevenung
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Mar 21 2017, 03:33 PM
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QUOTE(shahizz @ Mar 21 2017, 02:13 PM) Hai everyone. I need some opinions from all sifus on my current situation that im facing right now. Before that im 30 yrs old and still single and currently im having two insurance policy from AIA which is: 1) WHOLE LIFE PLUS NONPAR = 100K (issued jun 2012) 2) A-LIFE LINK-i = 161k (issued jan 2016) Both insurance i paid for rm161.2 and rm267 each which is to me quite an amount. Yesterday, my old old friend which is an insurance agent with ABC company came to me and ask me to bring my policy book. So keep the story short he wants to offer me a new insurance policy which is better than what im getting right now. Plus the amount i'll be paying lesser. He ask me to surrender the policy that im having right now which to me is not a good idea. Any advice sifus/gurus? Your so called old old friend is coming to you as an agent, and not as a friend. If he is really your old old friend, he wouldnt do such a thing. If you are bored and got nothing to do you may read why it is not beneficial to cancel your old insurance plan just to start a new one at my blog. |
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shahizz
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Mar 21 2017, 03:43 PM
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New Member
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He did mention that my current policy insurance doesnt have medical card.
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lifebalance
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Mar 21 2017, 03:48 PM
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QUOTE(shahizz @ Mar 21 2017, 03:43 PM) He did mention that my current policy insurance doesnt have medical card. Where is your current AIA agent? Don't get manipulated by another agent with misrepresentation |
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ssh2222
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Mar 21 2017, 03:51 PM
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Getting Started
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QUOTE(shahizz @ Mar 21 2017, 02:13 PM) Yesterday, my old old friend which is an insurance agent with ABC company came to me and ask me to bring my policy book. So keep the story short he wants to offer me a new insurance policy which is better than what im getting right now. Plus the amount i'll be paying lesser. He ask me to surrender the policy that im having right now which to me is not a good idea. Any advice sifus/gurus? It's generally not a good idea to just surrender your old policy like that. I'd be wary when people suddenly tell you to cancel your policy. Even if you do decide to cancel your old policy it's important to take note of things such as waiting period for medical coverage etc. Bottom line, analyse carefully before making a decision, don't just cancel to help your friend make a sale. Cheers. |
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shahizz
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Mar 21 2017, 03:54 PM
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New Member
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QUOTE(lifebalance @ Mar 21 2017, 03:48 PM) Where is your current AIA agent? Don't get manipulated by another agent with misrepresentation I have no idea where is my agent since we havent contacted for quite a while but wht i knw is my agent frm pj julainah agency. I will call my agent after this to get a better view on my plan. Plus i need to review my current plan. |
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