Sorry I did not make it clear in my post. I am referring to Rheumatoid Arthritis (RA). Thanks for the advice.

Medical card can still be offered however will need to ascertain the severity of your RA Condition.

This post has been edited by lifebalance: Oct 27 2017, 08:38 PM

There are plans that dont cover accident. Depends on what insurance plan did they purchase. Btw, cant really judge much unless you have the policy details here for us to see what client actually have.

Depends on severity. My friends RA is kinda serious. Check up report reading is very high. Medical card application is rejected.

AIA agents, can advise how is the 20% + 30% cashback for Fitness First calculated?

The monthly fee for FF is RM 229

What does 'pre-certification' means? is it the same as Guarantee Letter?

Not sure, kindly contact FF for the calculation for the above offer.

hmm got a bigger picture of where you found this wording from ? like the section or sub-section ?

Is there any chance that we can apply for GL for admission to do MRI scan for injured knee?

Yes if the GP can provide you a letter as referral

I asked and they throw back the ball to AIA.
20% discount I think that's clear but the grey area is the 30% cashback, how is it calculated.

Dear insurance specialists, my girlfriend is recently diagnosed with a condition called PCOS , so happen she thought of upgrading her previous insurance plan purchased before this diagnose. Do you think this would impose any problems?

Hmm then I would suggest you give a call to AIA HQ to confirm

Will need to do a medical check up to confirm on the severity and growth of the cyst

anyone here can give an opinion about prudential PruWarisan? is it the scheme of insurance is a good one for investment or in future? Thanks

Good investment?

What sort of return you are expecting?

More than 4% please look elsewhere

okay..but for the overall for this scheme offer, is it the good choice? I f let say i don't have any insurance/life insurance for now.

p/s : for medical card, i already separated insurance.

That depends on what you need to protect most importantly at the moment. Get someone to analyse your financial need so that you're on the right track

okay. thank for the input. Maybe i looking for something can cover me/my family if anything happened to me in future. that the main purpose lor..

Dear sifu, need your advise about car insurance price calculation.

My Car - Myvi (2008) SXI.

This insurance company quote me RM 275.00 after deduct 55% NCB for Sum insured RM 21,000.00.
I feel that they charged me too high due to value of my car only RM 17,000.00.

Then i asked them to quote me for sum insured RM 18,000.00 (lowest they can offer).
But after recalculated & they quote me RM 271.00 which only cheeper by RM 4.00.

With RM 3k reduce only cheeper by RM 4 only?

Kindly advice.

Car insurance all these, if you're unhappy with the rate you can try another insurance company and get them to quote you

Just need to know how they calculate the insurance premium with more detail.

I used some website calculator tool where result also different from what they quoted me.