Based on your expertise, which one is your recommended on medical plan?

Instead of looking at Insurance based on plans, which is more or less similar in benefit, look for an agent that can give you good financial advises instead where you're comfortable to share your financial goals in life and the agent helping you to achieve it.

Agreed with your point, but still need to look "pay to get best/max protection" with the budget.

perhaps you let us know your comfortable budget? and of course your age, occupation, smoker/no smoker.

Age = 32
Non-samoke.
Occupation: System engineer
budget : RM250-300. (Less than 300 better)
Main Is need medical insurance plan coverage ( life and TPD can set to minimum)

Most plan comes with good medical insurance nowadays with 1 mil annual limit. Based on ur age, should be feasible

This post has been edited by lifebalance: Jun 6 2017, 11:54 AM

Hi guys, I want to ask few questions

1. is there any other insurance company other than AIA that covers Autism Spectrum Disorder and Attention Deficit Hyperactivity Disorder

2. which option is better for these
a. Traditional product with medical card or plan
b. ILP with medical card or plan

3. Is is true that for AIA medical card, you dont have to pay for co-insurance ?

This post has been edited by notok: Jun 6 2017, 11:56 AM

1. So far no other company covers specifically for Autism Spectrum Disorder and Attention Deficit Hyperactivity Disorder beside AIA

2. Depends on your need and budget

3. Yes, no co-insurance at all.

Every medical card from the major providers in the market currently are almost the same but with subtle differences. Like what the other contributors have said, the most important thing is that you look for an agent that can service your needs.

If you are really looking for the best for value medical card, I am sure you can read the commentary in the link provided yourself and make a judgement from there.

With your budget and requirement you can definitely get a very comprehensive medical card.

Best,
Jiansheng

wait.. dont some insurance like prulady covers if a child is born with autism?? and I thought AIA will be coming up with a new product that will cover women who give birth to child with autism??

Yup , I am in contact with my PRU insurance agent now.

I was comparing the PRUhealth & GE Medic Xtra, it is not direct comparison like apple to apple, but I think the GE price is more affordable, GE has higher coverage with lower premium.

https://www.prudential.com.my/en/our-produc...ders/pruhealth/

https://www.greateasternlife.com/my/en/pers...t-extender.html

This post has been edited by clickNsnap: Jun 6 2017, 12:49 PM


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prefer you to look into PRUvalue med if budget allows

nope...i refer their product brochures. autism is not covered even in PRUlady or PRUmy child. the new AIA plan which is A-Life Joy & A-Life Lady360 also got nothing to do with autism as well. correct me if im wrong.

This is covered under A Life Joy with Baby Care rider for Autism Spectrum Disorder and Attention Deficit Hyperactivity Disorder

https://www.aia.com.my/content/dam/my/en/do..._6th%20edit.pdf

This post has been edited by lifebalance: Jun 6 2017, 01:01 PM

For AIA, you need to attach rider on top of the A-Life Joy

This post has been edited by notok: Jun 6 2017, 01:02 PM

ah thanks! didnt know got another rider. i just check Joy and Lady360! thanks guys!

for no.2, what are the pros and cons for both options ? thanks

Here you go

Hi there

to answer to your question,
1. HLA does cover Junior CI care on Severe Autism . The coverage covers the severe form of Autism Spectrum Disorder. Kindly refer to the product page for your info
https://www.hla.com.my/CMS/Product-Services...uct=738&Sub=950

2. Depending on your budgets as Traditional product may be cheap at the young age but the premium will increase at every 5 years capped. The older you gets the more expensive the premium would be.
However, if you have budget and wish to lock a level premium, i would highly recommend you to go with investment Link product (ILP).

3. I believe our brother Life Balance has replied you.

Thanks.

For no3, does HLA also offer the same benefit which is no co-insurance for medical ? and does it renewal guaranteed ?

This post has been edited by notok: Jun 6 2017, 06:19 PM