Nowadays there are plans up to 2 mil yearly with no lifetime limit.

It depends on what you think you need. There are so many plans out there with all sorts of "combos". In my opinion, the biggest concerns would be the annual limit and the lifetime limit.

1. A low annual limit (just a number, I would say below RM100k) would limit the usefulness of the medical policy going forward as some major operations may cost more than RM100k even today.

2. A high, or unlimited lifetime limit would allow the medical policy to kept almost forever, as it can be stacked up with other policies even if its annual limit is insufficient

It will never enough.... (I am not agent)

Be assure what is "unlimited coverage" definition to start with.
Insurance is a profit orientated business to start with, they won't do losing business.
Once too many people claim the so called "unlimited coverage" insurance (which I doubt insurance company will put such a blanket term in the first place without other clause to limit it), your annual premium also may be raised as well.


Remember insurance is run based on the basic of pool of fund that being used to pay those "unfortunate" one.

Yeap. For takaful, the insurance operator's job is to make sure that there are funds enough for everyone, and when it is running low (more taken out than going in) they will raise the premium/contribution for every participant.

Any Pro AIA agent here can enlighten me, got an agent from AIA trying to convince me that they have a saving plan that can provide figure as below

pay 20k per year for 5 years total 100k
@ 6th year, the account would have 120k
which mean if i surrender @6th year, i will get 120k which is 20k profit

my math is quite simple...a plan which can get 4k a year with the principle of just a small 20k is a good deal...its fucking 20%!!!!
but it just not making sense for me as insurance product have to pay so much up front like commission to agent la, cost of insurance la blah blah and yet still can perform this well?

is it a troll or too desperate to sell?

or its true? LOLLL

Hi guys,

I just married few months ago and now wife is pregnant. We are considering to get a family insurance plan for that and also considering if should get a pregnancy coverage insurance plan.

Any suggestion for this?

Ask for the policy contract. Get him to show you the guarantees and terms and conditions. If he can't, please inform him that he might have mis-sold you on the product and is violating BNM's guideline which he can lose his license over.

Otherwise, please provide him with my number as I too would like to get into such a saving plan.

Best,
Jiansheng

I believe AIA has a family plan but you need to check with them in terms of the details.

As for pregnancy coverage, there are a couple of companies providing the coverage (Prudential, AIA and Allianz to name a few) however do check in details on the coverage and also exclusions when comparing the products.

Best,
Jiansheng

Thanks bro but i currently have a personal insurance with AIA.. should i upgrade my personal one to family plan? Normally how much it cost for the family plan?

You will need to get in touch with your AIA insurance agent or you can drop by their branch for assistance on the matter.

Request for the policy quotation and also the premium then you can share the details here and we can talk about it then.

Best,
Jiansheng

The return figure is non-guaranteed. It's just expected to get that much. So take it with a pinch of salt.

You can consider into a family plan depending on your family planning and budgeting. Get in touch with any AIA agent if you need advise.

excuse me for a while, so now i heard there is lifetime "unlimited" and yearly 1million plan available now?

You are right.

Best,
Jiansheng

which insurance company offer that?

Looking for a quote for insurance for my dad. I'm looking for medical card coverage, CI+PA+etc is added bonus if avaiable. If its not, its okay as the medical card and monthly premium affordability is my utmost concern.

Please PM me for more information.

so which mean this type of "number magic" illustration plan do exist in AIA saving plan?

I am amazed as i never encounter before....

so far I can only see those number in money scheme game or p2p lending

thumbs up to bank negara actually approve such "non guaranteed" figure to be on the paper

AIA got such plan, can’t comment for the rest, later kena scold if say wrong in here

How is his health wise?

Money is up to you to invest. Don’t have to punch at it if it’s not your cup of tea

Dear all,
I have a Prudential policy which medical insurance section covers me till 80 years old.

I'm thinking that coverage till 80 may not be sufficient, so looking at upgrading to 100 years old. Had a chat with my agent, was told that if I upgrade, the additional premium would cost roughly RM200-300, which is 50% of my existing premium.

Is upgrading just the medical coverage to 100 years old that expensive?

Is it generally better off for me to look for a fresh policy that has coverage up to 100 years old rather than upgrading this policy?

Check the penalty on surrendering earlier than maturity date.

Most if not all saving plan require you to hold on to the plan much longer than the contribution tenure.

Just request for the policy contract brother then you can see clearly what the agent is actually proposing.

Best,
Jiansheng

Better to get standalone medic card or invesment linked? Found a rather good medic card by AiA. RM91 per month

If you got the budget then ILP is better in the long run. Otherwise standalone alone if you're on tight budget