Just to seek opinion

I had purchased a policy back when 23 years old.

Got myself a plan smartprotect essential insurance 2.
It's from Great eastern.
I was asked to add in critical illness benefit rider, smart extender 90k (Room and board RM150) ,smart medic xtra ,comprehensive accident benefits xtra rider,premium waiver extra rider ,smart early payout critical care .

I recently came to understand its investment link product and paying 260 per month since initiate the plan till now. The 90k deductible means I can straight to claim in a year for limited number of time or its unlimited ?

Is it worth it?

any kids medical insurance without agent? I know how to perform claim myself if procedure is provided.

hi, can advise is this worth? based on age 37, m & non smoker.
MCIS Max Health Plan
Sub Plan    Name Room & Board                                       
MaxHealth Plan200 RM200 per day (Max 150 days per year)

Annual Limit Life Time Limit Co-insurance                        Annual Premium
RM1,000,000 Unlimited        20% (Max 1k) if exceed R&B RM1,486.00

Following the zero rated GST next month, how will AIA treat its customers accordingly due to this government move?

Will our contribution be less next month or AIA did not address this?

It's not an upgrade. As I can see some of forummers here can get like 150-200 for the same coverage I'm having. Feel like I'm paying more for the same benefits others can get at lower price from different company.

I decided to go for company that support easy self service because I faced bad experience with my agent. I changed twice to different agent but all are not responsive after 6 yrs if I didn't do upgrade. So, why should I pay agent for 6 yrs for free if they can't do their job when I need them? Insurance is a long term investment and its not limit to 6 yrs.

Hi guys,

My dad bought me GE medical life and life insurance since young and now I'm 26 and decided to take over. And I've upgraded my medical annual limit and added some riders such as room board 300,hosp benefit 100/day. My question is... will the premium keep increasing by following our age? Or the premium payment will maintain the same unless I top up riders next time?

I noticed that some products now dont even allow you to include slack, but slack is already factored in. So all you have to do is to input the protection amount and tenure, and the system will help you calculate the premium.

This is, in my opinion is good. Why let the agents control the slack, who are they to decide the slack - and worst of all, unscrupulous agents can manipulate the slack so they can earn more by giving too much excuses for the extra slack

For example, for a 25 year old (figures may be off):

a. Death/TPD RM200k can be had for RM110  with 10% of the premium as slack

b. Death/TPD RM200k can be had for RM200 with 100% of the premium as slack (good returns, but the client is better off investing in UT directly)

c. Death/TPD RM100k can be had for ~RM100 with 100% of the premium as slack (lower protection amount but better investment, what is the point? You buy insurance for protection, not investment)

Id be happy to have a sit down with you guys. Just drop a message
Well you are providing a solution, no different to a consultation. The more you know about the industry as a whole, the more intriguing it gets. But the issue that I noticed is that, for any given personal-finance issue, there are multiple solutions to solve them. Insurance is just one way, but we may be too focused on that as opposed to tackling them as a whole.

That needs to be addressed. I remember that insurance agents will soon be allowed to sell UT or was it the other way around? That the tests would be revamped since ILP and UT are related anyway.

Dear all,

I am facing a serious problem with my medical insurance policy and hope someone can give me advice on this matter. My insurance agent didn’t disclose I had an operation about 8 years ago. Last 2 weeks, I was hospitalized for two days and the insurer refuse to issue a GL since the doctor mentioned that it had something to do with my previous hospitalization (I went to the same hospital and there had all my record). My agent is going to submit a claim and if the insurance company still reject based on non disclosure, he will submit an appeal. I have doubt that my claim would be entertained by the Insurance company. I have being paying for 8 years for this policy and I have bought also a policy for my kid where I am the payor. Currently, I am paying RM450 for my insurance and another RM190 for my kid Insurance. Can anyone provide me with suggestions of what to do now. I am already 49 years old and is very worry now. Thank you in advance.

Keith,

Thank you for the advise. I know my situation is not at all great. Whatever not disclose by my agent is academic now. I am looking at other option beside continuing with my existing policy and my kid too. Can I get another insurance policy?

I am in a dilemma as I believe my option is limited with my advancing age. I am going to lose out much if I surrender my policies now. Any other advise?

Thank you in advance

Hi guys,

I'm now with this Insurance company (Life insurance + Medical card) with Company X. Been with them like for 6 years but as of now, I am not happy with their services.

Is there a way that I could simply 'convert' my insurance to Company Y, for instance?

Guys any comment on GE's newly launched Great 110 Legacy plan? Seems like a good endowment plan with fixed premium throughout the policy period, takes 30 years to breakeven, covers death and accidental death, with guaranteed premium return.

I was informed that the school is not covering the insurance, as this is one time programme

What yours opinion regarding this, should he get medical card or insurance?

If buy it in malaysia, from what I know there are only insurance coverage, pay first and claim later when back in malaysia. Where it defeat the purpose of getting one as we are hoping for instance paid off and no delay to the treatment if accident happens.

Or should we bump the credit limit of the credit card or debit card?

How do I decide how much to pay monthly for death cover, CI and TPD  and personal accident cover ?
I already have death and TPD cover for RM 300K . I am more interested in CI cover. So am planning to get another insurance cover to cover these including CI.

So, again, how do I decide how much to pay monthly?
first you look at what is the sufficient CI amount to cover your current living lifestyle and expenses (or earning ability also). then with the amount only determine how much is the premium.

What details do u guys need?
age (date of birth), occupation, smoker/non smoker

What if wife delivered 1st baby 1 month ago and wants coverage for the 2nd pregnancy? When should she get that cover for future delivery purposes?

Again , why , if I am already subscribed to this thread, it does not appear in my notices tab?

My dad's policy effective date is 22nd March 2018.

He want to visit a Gastrologist and do an endoscopy to check his gastric and liver.
Can he do it now and his policy?

Thanks

Hi all, need advise on unit fund value for investment-liked policy.

So, i have paid 4x quater payment of RM750 amounting to RM3k. But i realize that my fund value only worth around RM400++. Knowing that the allocation rate for first year is about 40%, and premium should be allocated to funds before deducting cost of insurance, i find that the fund value is far below my expectation. Further, my selected fund is 100% on balanced fund which i expect it to perform moderately without drastic movement. Anyone mind to advise on this?