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Insurance Talk V4!, Anything and everything about Insurance
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lifebalance
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Mar 21 2017, 03:58 PM
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QUOTE(shahizz @ Mar 21 2017, 03:54 PM) 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. Okay good. If you can't get hang of the agent let me know I'll find out for you
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SUSMNet
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Mar 25 2017, 10:29 AM
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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? Compare the cost of insurance then make decision.
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lifebalance
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Mar 25 2017, 10:32 AM
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Kindly ignore the answer above by MNet. You don't simply just compare a product solely at the cost of insurance without weighing the benefit it comes with.
This post has been edited by lifebalance: Mar 25 2017, 12:34 PM
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KannaSai1
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Mar 31 2017, 12:18 AM
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i had a very old school great eastern life policy. i think got 20 years d.
i had premium holidays for years and now got cash value about 9k. should i surrander it and take a new plan ?
may i know how much for travel insurance for 1 year ? covered domestic and oversea ?
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KannaSai1
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Mar 31 2017, 12:23 AM
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QUOTE(shahizz @ Mar 21 2017, 03:43 PM) He did mention that my current policy insurance doesnt have medical card. i m thinking like u too. my old insurance dont have medical card. just cover 36 critical illness only,
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lifebalance
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Mar 31 2017, 12:29 AM
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QUOTE(KannaSai1 @ Mar 31 2017, 12:18 AM) i had a very old school great eastern life policy. i think got 20 years d. i had premium holidays for years and now got cash value about 9k. should i surrander it and take a new plan ? may i know how much for travel insurance for 1 year ? covered domestic and oversea ? You should have a policy review done together with a financial health check to get a proper guide and advise. Speak to a life planner Different company has different charges for travel insurance , you might have of shop around to find the one that suits your need.
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KannaSai1
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Mar 31 2017, 12:35 AM
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QUOTE(lifebalance @ Mar 31 2017, 12:29 AM) You should have a policy review done together with a financial health check to get a proper guide and advise. Speak to a life planner Different company has different charges for travel insurance , you might have of shop around to find the one that suits your need. due to business nature. need to fly a lot. and recently a friend just bungkus back from oversea honeymoon trip. cost about 50k for the tapao service. so thinking to get a cheap yearly travel insurance. heard that cost about rm300. lol
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lifebalance
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Mar 31 2017, 12:37 AM
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QUOTE(KannaSai1 @ Mar 31 2017, 12:35 AM) due to business nature. need to fly a lot. and recently a friend just bungkus back from oversea honeymoon trip. cost about 50k for the tapao service. so thinking to get a cheap yearly travel insurance. heard that cost about rm300. lol Yes it average around that price 1 of my Close friend recently got stage 4 kidney, liver and spine cancer 1 more close friend suddenly died, left with wife and 1 small kid Both in their 30s
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Holocene
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Mar 31 2017, 12:45 AM
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QUOTE(KannaSai1 @ Mar 31 2017, 12:35 AM) due to business nature. need to fly a lot. and recently a friend just bungkus back from oversea honeymoon trip. cost about 50k for the tapao service. so thinking to get a cheap yearly travel insurance. heard that cost about rm300. lol Sorry to hear about your friend. But do update your life insurance. Your needs change as time passes by. Best, Jiansheng
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KannaSai1
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Mar 31 2017, 12:53 AM
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may i know which company provide the cheapest annual travel insurance ?
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RinggitSavvy
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Mar 31 2017, 01:33 AM
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New Member
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QUOTE(KannaSai1 @ Mar 31 2017, 12:53 AM) may i know which company provide the cheapest annual travel insurance ? Hi KannaSai1, you may go to https://www.gobear.com/my/travel-insurance to get the comparison for travel insurance, they generally have all the General Insurance companies in Malaysia.
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KannaSai1
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Mar 31 2017, 02:01 AM
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QUOTE(RinggitSavvy @ Mar 31 2017, 01:33 AM) Hi KannaSai1, you may go to https://www.gobear.com/my/travel-insurance to get the comparison for travel insurance, they generally have all the General Insurance companies in Malaysia. ty
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adele123
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Mar 31 2017, 07:15 AM
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QUOTE(KannaSai1 @ Mar 31 2017, 12:53 AM) may i know which company provide the cheapest annual travel insurance ? You might not want to just focus on the cheapest. Anyway, not that many company has made their travel insurance easily bought from their website. I have bought from tune protect (not the air asia version, bought separately) and etiqa. So far buying experience is good. Focus on the benefits that really matter when you choose. Some benefits may not be your focus. Axa, aig, are also available to be bought online. Forgot which other company I surveyed online.
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TSroystevenung
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Mar 31 2017, 10:54 AM
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QUOTE(KannaSai1 @ Mar 31 2017, 02:01 AM) Be sure to buy the extended coverage for terrorism as well.
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ssh2222
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Mar 31 2017, 12:38 PM
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Getting Started

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QUOTE(KannaSai1 @ Mar 31 2017, 12:18 AM) i had a very old school great eastern life policy. i think got 20 years d. i had premium holidays for years and now got cash value about 9k. should i surrander it and take a new plan ? may i know how much for travel insurance for 1 year ? covered domestic and oversea ? Hi, Best to do a property policy review before making a decision. I wouldn't recommend you just surrender like that unless the proper due diligence has been done. hope this helps. Cheers. Matt
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lifebalance
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Mar 31 2017, 12:44 PM
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QUOTE(KannaSai1 @ Mar 31 2017, 12:53 AM) may i know which company provide the cheapest annual travel insurance ? You can consider between value for money vs cheapest. Travel insurance no matter how cheap also the price won't differ like few hundred ringgit, if another few extra 10 - 20 ringgit can give you a better deal compared to the cheapest plan. Then maybe consider spending slightly more for peace of mind.
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bryancsk
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Mar 31 2017, 06:26 PM
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Getting Started

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QUOTE(drbone @ Mar 20 2017, 09:40 AM) Just realised my typo , was using mobile phone that's why. I meant protection, not direction. I dont think you can pay with amex bro, normally its credit card/cheque/IBG. Cheers
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bryancsk
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Mar 31 2017, 06:37 PM
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Getting Started

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QUOTE(KannaSai1 @ Mar 31 2017, 12:18 AM) i had a very old school great eastern life policy. i think got 20 years d. i had premium holidays for years and now got cash value about 9k. should i surrander it and take a new plan ? may i know how much for travel insurance for 1 year ? covered domestic and oversea ? Hi bro please refer the link Allianz Travel Insurance
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KannaSai1
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Apr 1 2017, 01:47 AM
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QUOTE(adele123 @ Mar 31 2017, 07:15 AM) You might not want to just focus on the cheapest. Anyway, not that many company has made their travel insurance easily bought from their website. I have bought from tune protect (not the air asia version, bought separately) and etiqa. So far buying experience is good. Focus on the benefits that really matter when you choose. Some benefits may not be your focus. Axa, aig, are also available to be bought online. Forgot which other company I surveyed online. Etiqa is by maybank right ? Is it very hard to claim ?
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Red_rustyjelly
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Apr 1 2017, 05:13 PM
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AIA sifus. can you verify this My wife bought a premium from an agent. I am afraid we lost the policy booklet. Couldn't find the brochure in Website.
Premier Critical Cover - Coverage is Critical illness and personal accident.
Question: Is this a standalone or investment linked? Paying RM 250 a month for 3 years now.
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