*double posted*

This post has been edited by ckdenion: Aug 22 2017, 03:26 PM

pass ur test first

this one not convenient to reveal here i guess. maybe he Mr.Weezy can reveal through private message.

yes that's possible. i have a friend that only do cold market and is successful now.

AIA & Prudential have it.

using money to purchase better yield investment is something extra from what you have. perhaps before surrendering anything, compile all your policies and find an agent that can go through with you at your best interest.

yeah im also keen to know. if already covered under family plan, then before 23 y/o already diagnosed with CI, can i still renew without exclusion when hit 24 y/o?

exceeds limit as it is a family plan. cost for the treatment is not low eh.

what do u mean by repricing trend?

If not mistaken certain plan can have cashless claim in singapore. From Allianz and AIA (need AIA and Allianz agent to clarify). Normally, overseas treatment expenses claims is on reimbursement basis and it must be 90 days from the date of departure to overseas

If u take back GE then yes you can upgrade. if get new policy, of course most advisable is pay for both (remove just the old medical card rider). Else, just continue with the latest one and the old one surrender after 1 year of new policy inception.

Most importantly is, after having the plans stated, do you think that it can help you and your family when you need it? All insurance plans are ok but it serve people's needs differently.

Great Medic Xtra = latest standalone medical plan
Smart Medic Xtra = latest medical card rider attached to investment linked plans

cashless claim is whereby the claim is done directly between hospitals and insurance companies. basically if it is not a cashless claim, u have to pay for treatment and claim back from insurance company after everything.

call up to the general/motor insurance department and tell them that your car is sold and will like to transfer the NCD to the new car will do. customer service will guide u what to do by then.

AIA, Allianz, Pru and GE has it.

what marky meant by is he dont want medical card benefits that comes with reimbursement basis. so he is mentioning that the extended annual limit by GE is reimbursement basis which he doesnt want.

im just quoting what you mean to lifebalance. nope,it is not reimbursement basis. our extended limit is on GL basis.

its true. also check that is your principal 60k, how much will that be at the 6th year, 10th year, 20th year and 30th year. Check the fine print properly. end of the day, at 30th year, perhaps can get back around 120k total. if you will like to close account and take everything out, you might just take 60k back. ask agent to show u the fine print ya.

lets not just talk about agents. not all people can be trusted anyways. trust is built based on a relationship.

for your case Smart Medic + Smart Extender
300K medical fees, the first 90K is covered under Smart Medic (take note of the co-insurance here), the remaining 210K is covered under Smart Extender. all under GL basis.

if diagnosis of some critical illness upon upgrade/new policy, then company has the right to underwrite your case again. else, just ignore the upgrade and your existing policy will remain (follow back old policy).

whatever new policy in the future will follow your existing health conditions.

reply in blue above

as long as he is ok with upgrade/switch to other insurance companies, then go ahead. AmMet Life is not a very small company also la. no idea about the claim processing but i believe it will be ok as long as it is a genuine claim with proper documentation provided.

unless ur friend wanna compare different companies benefits vs premium amount. then it is a total different story.

you can either go for a standalone medical coverage, or a comprehensive plan that also covers other benefits on top of the medical coverage. depends on your affordable budget, then things can be discussed more.

bro, very hard to "decide" or "judge" whether is it worth while for you or not through here. since you are aware of that plan, i believed you had met your agent. u just have to discuss this out with your agent.

whats your age and occupation? RM3k... hmm, shud b able to get R&B200 with RM1.32mil annual limit with no lifetime limit. have to know your profile first.

btw trust me, people are more likely to leave negative review/feedback compared to positive one. every company got their "negative" reviews. positive review no one talk about it.

hmm... how long is this policy of yours? and your medical plan have co-insurance? if dont have co-insurance, your lifetime limit of RM1.2mil is automatically taken off.

ic. in that case, i think in between RM250-RM300/month will get you the 1.32mil benefit