What makes me    is that AXA/Affin Insurance have the audacity to charge one of my card for 2 months when I haven't even received the policy. Will call them tomorrow.

Never again will I register via phone, oh well lesson learnt.

Don't get me wrong tho, Affin bank is quite a good bank, have a few FDs there, good rate if you manage to nego.

a non agent here.. hmm im a muslim.. yes, you are advised to go for takaful as it is in comply with the muslim guidelines.. however im using a conventional insurance (no plans to change).. and my wife using takafull.. to be honest.. aside from the investment returns (cuz ive been using insurans only for 5-6 years).. when i looked into coverage when comparing my wife prubsn takaful and others such as aia, allianz and prudential.. the conventional offer slightly or somewhat better coverage.. i can be wrong.. dont bash me

for example, my wife's new prubsn RM270 coverage is 400k per year with added 400k if get cancer, kidney failure or heart attack.. death 25k, no c.i.. compared to other conventional insurance, with rm270 premium, they'd roughly get around 1 mill annual limit with no lifetime limit more or less), with some even add 100k c.i and death.. so it differes a lot in terms of value

reliablity and ease of claim however is a whole another devil.. my wife just started and never claimed before.. me, i used prudential old policy, claim has always been  a breeze.. for other insurance however i really do suggest u to stalk their official malaysian FB pages and read the customer's comments. then u will get a good idea .. However do take those comments with a grain of salt.. cuz many times its the fault of the customers who did not understand their policy in d first place

u need to cancel ur conventional policy and change to takaful as takaful is halal u can bring to akhirat.

u need to cancel ur conventional policy and change to takaful as takaful is halal u can bring to akhirat.

I sincerely hope the above statement is just for trolling!

Your EPF contributions and conventional banking was also non Syariah compliant for years!

umm thank you Roy and MNet for the advice..  i will take all of your advice into careful consideration.. but please lets keep the tone friendly I dont really wanna be the cause of strife between you guys.. I love to read the low yat forum and gain knowledge because of how professional u guys are and how broad minded you guys are in your discussion

yup wild card... I learnt a lot from roy, aia, u, mnet and others... thanx a lot  .. :

Need to ask about prudential health enrich + vital. I bought it for my daughter and i never use it as I always use my company insurance. Last week i got a referal letter from gp to check my daughter to ENT speacialist. So i call my agent to ask for the procedure and she said that my policy not cover outpatient. If i just go to speacialist for checkup and not warded it will not cover.
Can anybody confirm on this? Before buying that policy i already ask her if this policy cover outpatient and she say yes..

If this policy is a medical card, normally it only covers hospitalization and not outpatient clinical claim unless your daughter is admitted to the hospital for inpatient treatment

In your situation you described, it seems your daughter went to check up with the ENT and there was no findings or required to be hospitalised therefore you will need to bear the check up cost on your own.

Thanks, are there any insurance that cover outpatient clinical claim too?

Hi sifu, lately my group of friends are revising their insurance policy. Some even cancel the existing one and sign up for latest plan. According to them, the latest plan provide more coverage and sum assure as well vs the 10 yrs old policy. Thus, I wannted to seek your guidance and advice on this move. Appreciate your insight thought

Hi sifu, lately my group of friends are revising their insurance policy. Some even cancel the existing one and sign up for latest plan. According to them, the latest plan provide more coverage and sum assure as well vs the 10 yrs old policy. Thus, I wannted to seek your guidance and advice on this move. Appreciate your insight thought

Hi sifu, lately my group of friends are revising their insurance policy. Some even cancel the existing one and sign up for latest plan. According to them, the latest plan provide more coverage and sum assure as well vs the 10 yrs old policy. Thus, I wannted to seek your guidance and advice on this move. Appreciate your insight thought

Hi sifu, lately my group of friends are revising their insurance policy. Some even cancel the existing one and sign up for latest plan. According to them, the latest plan provide more coverage and sum assure as well vs the 10 yrs old policy. Thus, I wanted to seek your guidance and advice on this move. Appreciate your insight thought

Hi there,

Appreciate if some good Prudential agent can PM me. I would like to change my current sales agent and do a full review and amend my current policy. Must be KL based/no problems to come to KL to meet at my office. My current agent is absolutely awful and I intend to change ASAP.

Thanks.