thanx so much folks for the help.. Now i have a clear view on what to do.. thanx again ya

Feel free to ask if in doubt

i prety much made up my mind and will be upgrading my c.i.. which will shoot my premium from 180 to 270 per month, just to make sure I can cover the take home drugs, examinations and consultations (In which my current policy does not cover).

however i think it would'nt be harmful if i take a look at other policies out there that can supplement my current RM 180 policy..

Hence I'm looking for additional policy that can cover things that my current policy is lacking. It should cover:

1. Full cancer/hemodialisis coverage (INCLUDES take home drugs, examination and consultation)

2. If have high CI would be a bonus though not necessary for now as I have a lot of committment (single income family)

3. Does not matter if standalone or ILP. What matter is guaranteed renewable (must be stated in the policy/contract book. NOT just based on verbal guarantee)

4. If standalone please provide a table that shows the progression/increase of premiums through age

Now here is my information:

1. Ex smoker. havent smoke for 2 years. Although a vaper
2. Have high blood cholestrol. Though no medication were needed. The test was taken back in UNI
3 Hospitallized for two occasion. once for some sort of mild infection. 2nd was for sinusitus last month (sinusitus is kinda a permanent solution as they fixed a bent bone so no worry of re-ocurrence)
4. Age of next DOB 35
5. weight hmmm.. kinda fluctuates between 85-91 (Im a fat SOB).. though my weight back in 2010and below maintaine 54-56 kg.. dont know if this matters
6. married and no children yet
7. Profession (A teacher at a politechnik)
8. race malay
9.height 171 cm


so.. please be mindful, im currently drowning with health insurance already based on my previous post.. so try to send me quotes that are vVERRRYYY affordable

finally, ill take a look at your quotes but no guarantee for a swift response.. It usually takes me 2-3 weeks to do reading and research before I fully commit (if i commit)..

here's my email arilrifter@gmail.com

This post has been edited by arilrifter: Apr 22 2017, 09:20 PM

Hi all,

Been going through a few insurance brochures and I found this exclusion clause,
Any treatment or surgical operation for Congenital Conditions or deformities including hereditary conditions

Does it mean that if my family (not immediate family) has hereditary conditions like diabetes & heart attack, I will not be covered if I buy this medical card?
The limit is really high, but it will be useless if I cannot claim should anything happen to me

This clause depends on what hereditary disease that your parents might have. If both of them happen to have similar health problem then chances of you getting it is quite high but it doesn't mean that you can't make any claim in the future once you managed to get your medical card

Your application will need to be considered by the underwriter and should they find your application to be standard then you don't have to worry about making a claim in the future.

The above is only applicable to your immediate parents or siblings before the age of 65. Not your uncle and aunties etc

This post has been edited by lifebalance: Apr 25 2017, 07:59 PM

Alrighty, thanks!

What do you think about Archipelago Medisavers Takaful? Is it good?

Thanks.

Never heard of such name but as I googled it, seems to be linked back to MXM International which is a MLM model company selling insurance under Lonpac and it seems Archipelago is a foreign insurance company they've just partnered with recently.

An insurance product will always change overtime, rather than compare the product feature, you should look into your overall insurance planning. Perhaps you should talk to a life planner to understand what kind of coverage you need and your financial goals and work out from there.

I would say most insurance company in Malaysia are quite competitive when it comes to Hospitalization Benefit.

I planning to get takaful coverage for my wife. So far from my initial reading..some of woman's critical disease are not covered in normal CI thus some insurance provider come out with woman / lady plan.

So far i only knew some which is PRUlady, takaful ikhlas wanita and takaful wanita zurich..

Is there any other insurance provider with the extra benefit for woman other than these 3.

I'm looking for coverage around death / TPD /CI around 150k + medical card $100k.

Good morning gogocan

just for your info, AIA also has female coverage plan known as A Plus Venus https://www.aia.com.my/en/our-products/crit...venusextra.html

You may go to the link to read it up.

Just FYI, normal CI that covers 36 type of Critical Illness doesn't cover Specific Female Illnesses, therefore insurance companies launch separate plans just for the ladies, which is why you might need to add it on as a rider.

and soon, this coming May, AIA will be launching a new female plan which will cover Female Cancers + No Medical Underwriting requirement* for Babies for life insurance and medical card + Reward the mother when they get married, have a child birth and it will cover ADHD and Autism as well.

Will update you more on this once it's official.

Note to mod: Funny how ppl enquire about other company products but this post is being reported as advertisement when I'm just enlightening the forumer on his question since he specifically asked about "OTHER INSURANCE PROVIDER", if this gets deleted, I will raise this issue to Helpdesk since this is not an advertisement but has specifically answered the forumer query.

This post has been edited by lifebalance: Apr 26 2017, 10:47 AM

gogocan.. i was like you.. been scouring for a good insurance that will cover my wife.. but what i found is that a lot of these insurance are sumwhat half& half.. hmm how should i clarify this.. for example when i talked to an agent about pru women which cover women specific illness... when you read the details you would be horrified.. for example, for a 100 k coverage, with rm 200++ premium per month it does not come with investment nor medical card... when you further read it.. it has stipulations.. like if wife gets carsinoma in situ, they would give 30% of sum assured ( 30k).. ugh in my head thats nowhere near to cover her medical bill... and then when i looked through a bunch of quotes from standard ILP or standalone insurance.. I havent found a single one that covers gender specific cance (PLEASE correct me if im wrong).. there are some companies that offers ILP with women's specific illness covered.. but the quoted premium is well above my budget.. around RM 400.. ugh..

so you would have a headache.. do u want to pay a policy that doesnt come with ILP , furthermore with all the stipulation that comes with it.. OR would you take a typical ILP with medical coverage but dont cover women's specificc illness? or can you spare the income to have both??

This post has been edited by arilrifter: Apr 26 2017, 11:49 AM

im just saying.. we as husband needs to take care of our family.. but im kinda dissapointed with the lack of coverage that insurance companies can offer (without the sky high premium).. and lifebalance.. why would people report u? we are here to get a good understanding from u guys

This post has been edited by arilrifter: Apr 26 2017, 11:47 AM

it's great to see that you have good awareness on the importance of insurance for your family need.

We are well aware of the loopholes in the market that yet to offer such comprehensive coverage which is why the new plan that is about to be launch is to address such problems in our community which is why it took us 7 years on the market research to come up with the solution for your problem.

No idea, probably from the competition I guess.

i guess too late already.. already bought my wife prubsn..I would have definitely be interested to study the new aia plan that you mentioned.. still it feels bad when i think about it.. it feels like im gambling with my wife's future.. but i wont cancel the the prubsn.. once ive commit. cant turn back

the new aia plan will cover adhd and autism for babies as well.. dammmnn.. thats good to hear.. sigh

This post has been edited by arilrifter: Apr 26 2017, 12:07 PM

Product Code :
A-Life Med Regular (ALMR), Annual limit $100K, unlimited lifetime limit
A-Plus MedBooster (APMB) , Annual limit $1 Mil, unlimited lifetime limit


The below is A-Plus medbooster policy T&C under Deductible Amount clause.


"We will reimburse the Eligible Expenses in excess of the applicable Deductible amount as stated in the schedule of benefits, after deduction of Eligible epenses payable under the primary hospitalization plan."



In the same year 2017, does that mean after the primary hospitalization plan annual limit $100K is used up, the remaining balance of medical cost need to pay 1st and seek reimbursement from AIA later ?

In the same year 2017, does that mean after the primary hospitalization plan annual limit $100K is used up, the remaining balance of medical cost need to pay 1st and seek reimbursement from AIA later ?
The full RM1,100,000 amount is claimable cashless without having to pay and file a claim basis.

E.g you had a Surgery costing RM120,000, subsequently on the same year, you need to claim another RM200,000 for another surgery, the RM200,000 surgery is claimable without having to pay first and file a claim.

Hope this answers your question.

This post has been edited by lifebalance: Apr 26 2017, 01:10 PM

Thanks I also have this plan and my agent keep asking me to add on.

May I ask How about the cancer treatment and kidney dialysis? It limited to Rm250k per lifetime.

If finished used the Rm250k and subsequently there is a cancer claim 5 years later for Rm350k, how?

Good question

I will confirm this info with you after 5.30 pm with my claims department.

_________
*Update* noobeytoo

In your case, you may opt for the A Med Booster to add on another RM500k to the lifetime limit.

Medical Fees are ever growing @ 16% inflation

http://www.enterprisetv.com.my/budget-2017...ical-inflation/

If you're really worried that it will not be sufficient, you may also opt for A-Cancer360 which will payout in the event of Early / Late stage cancer

https://www.aia.com.my/en/our-products/crit...-cancer360.html

This post has been edited by lifebalance: Apr 26 2017, 06:50 PM

hello, got a question.. this is in relation to my previous post.. since ive already got coverage (though its kinda insufficient) do you guys think its a good idea to get a standard life insurance - only covers tpd, death and c.i - meaning no ilp, medical card and all those razzles?? are they guaranteed renewable and do they generally get increasingly expensive as we age (the premium ) that is

This post has been edited by arilrifter: Apr 26 2017, 05:45 PM

Any good medical card from AIA / Prudential currently?