Is it applicable to pay by monthly?
Becoz the agent seems to insist tell me that if monthly payment will need my credit card number for auto debit.

For first time registration you need to register via credit or debit, thereafter you can change your payment mode

Thanks for explaining, I was shock why need my credit card number.

No worries, your information are kept safe

yeap ur understanding is correct and precise!

if got such catch then the product sure super jialat d. sure many customers kena "scam"


add-on: some info are quite inaccurate too. eg:
x Death Coverage Until Age 80 (it should be 30 years coverage term from the date purchased.)
x Option to convert to whole-life policy (no such option)

This post has been edited by ckdenion: Dec 9 2017, 11:10 PM


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** Still no clear cut on this..... GE shall be more transparent on their policy offerings by publishing policy exclusions.. etc of the policy.. seen this on some other insurance websites..

** and for option to convert whole life policy does exists for this plan..

c -> https://www.greateasternlife.com/my/en/pers...rotect-max.html


Conversion at maturity

At the maturity date of your policy, you may purchase a level sum assured Endowment or Whole Life policy, but not later than the year in which you attain age 80 years next birthday.

ah thanks for that! i didnt even see this from its own official site. from official PDS dont have such clause to convert to other plan once mature. my bad! thanks for correcting!

regarding the endowment/whole life policy offered at the maturity is upon company's discretion. as of now, looks like the types of plan is very limited too.

This post has been edited by ckdenion: Dec 10 2017, 05:53 PM

There was once I quoted on their smart medic benefit from their website which contradict from the agent PDS which caused an uproar in here.

best to follow agent PDS as the website product brochure is not updated. this is what i noticed too. wouldnt blame u for bringing up the issue though.

Hi, would like to ask GE agents. I have read this online.

What is the difference between Smart Medic Xtra and Smart Medic Xtra 99?
Smart Medic Xtra covers you until age 80 years next birthday. Smart Medic Xtra 99 extends your coverage until age 99 years next birthday. There are no additional charges until pass age 80 years next birthday.

I checked my policy is under SMX150. Is it nothing to worry as it maybe the different wordings under old policy and new policy? Is it 'automatically' get upgraded to SMX150-99? or should I insist my agent to make change on it.

Appreciate on comments what to do. Thanks.

SMX is until 80 years old, SMX-99 kicks in from 81 to 99 years old. if ur policy does not have the SMX-99 and if you want it, you must ask your agent to add in. it is not automatically upgraded as it is an additional rider.

anyone tried Tune Protect Motor Easy ?

Looks like a travel insurance to me.

https://www.tuneprotect.com/products/travel-easy-insurance

I rarely compare much on travel insurance, use AIG myself.

https://www.tuneprotect.com/products/motor-easy-insurance/

It's here

Oh! sorry copy paste wrong

not really, personally been using AIG for car insurance as well.

What car model are you driving ? nowadays got special arrangement of insurance with specific car brand such as Honda's HIP with MSIG and Berjaya Sompo.

Driving a Kia Picanto model 2013 Automatic

You may want to try this

http://www.kiadistinction.com/kia-care-cho...aintenance-plan

or this

http://www.kiadistinction.com/kia-essential

Prudential we are different from the others. We are more transparent and more experience in handling claims. You can google http://www.brandindex.com/ranking/malaysia...egory/insurance in terms of customer reviews and experience ratings. We are NO. 1 for 7 consecutive years.fyi

Any plans that sounds too good u might need to read carefully on the policy because there are certain clauses that are tied to that Rider. For your reference u can refer to this line " Benefit limitation" and how does the unlimited actually works. If its deductible90k to make the annual limit bigger then you should think clearly before making your decision. As many medical card wan to be the best.. unlimited every year refresh, nothing comes free, but how does the company count the premium charge, its all up to the Reasonable and Customary Charge to control it. Their card is Rider + Booster, but for PRUDENTIAL we are mainly 1 card 100% NON- cancellable which mean 100% guaranteed renewable. No other hidden clause and after 1 million we still pay 80% 20%. Some company when you exceed the lifetime limit the rider will be terminated. Its clearly stated in the brochures and policies.Hope customers not get mislead by agents. The policy wordings is the one that will pay out your claim and not the agents words or brochure schedule table.

Apply 2 Disability in a policy year and u can see the cons of it. 1st claim 50k (accident) 300k ( cancer)

This post has been edited by rcantona7: Dec 13 2017, 01:43 AM

roystevenung

can clarify what this guy is talking here?

This post has been edited by lifebalance: Dec 13 2017, 09:39 AM

That's because there are so many different people