Hi,

HLA medical does not have co insurance for medical. And its guaranteed renewal in ILP as this offers only ILP.
For more info-https://www.hla.com.my/CMS/Product-Services/Insurance-Solutions/Insurance-Solutions-Details.aspx?Product=72&Sub=1144

HLA offers Million ++ Annual Limit (min RM 1.12mil) and Unlimited Lifetime Limit.


Hope this helps.

Thanks

For standard Critical Illnesses (CI) offered by any insurance company, upon claim of any of the illnesses, the coverage will be ceased. However, in the market today, CI does offers compensation based on stages of claims/ severity. Kindly refer to the link for more info. https://www.hla.com.my/CMS/Product-Services...uct=738&Sub=948

Hope the information above helps ya.

Hi, I need few quotations please.

Class 2
Age 30
Male
Non smoker

500k term life
500k critical illness
200k PA / unlimited lifetime medical card

Thanks!

What's your exact occupation and duties?

Sales, some coolie work like loading stuff for customers, uses light machinery sometimes. Ya.. Own business, so what also must sapu.

That's good life risk management attitude right there!

Best,
Jiansheng

yeap indeed own business got more responsibilities! not easy running a business. hope to know more about what biz you are currently doing if got chance.

Any prudential agent? interest to know more about PruWealth,


Age 42
Male
Non smoker

500k term life
500k critical illness

Father with 2 kids, this is our responsibility.

Small hardware.

What's the purpose that you're looking for such coverage?

=) it's time for you to get a proper coverage

Hi, a question to any AIA agent.

Am planning to get a pre-natal plan for my child and have browse through quotation that was shared to my by an agent.

I have one question though, as I understand that before committing to sign up for a plan, there is a particular letter that the insurance company would require for the attending Gynae to fill up to be process for underwriting.

I know a few other company has it and does AIA has such form to be filled? Just wondering as the agent attending to me mentioned that I just need to take the final quotation to the gynae and explain and they will prepare an O&G letter for purpose of submission to insurance for underwriting.

Your response and enlightment is greatly appreciated. TQ

You don't have to, you just have to pass the gynaecologist questionnaire for them to answer accordingly and also a report from the doctor as well.

The form need to be obtained from an AIA agent

This post has been edited by lifebalance: Jun 8 2017, 11:07 AM

Noted on that. TQ for your response

This post has been edited by sillysu: Jun 8 2017, 11:09 AM

This must be obtain from an AIA agent

Between AIA and PRUMedV, which is better? Exclude agent factor.

hi, can someone explain this for me? the circled parts

My parents are teachers. They claim that all medical fees are subsidied 90% by the insurance. I read through the policy and found an annual limit of RM100,000 only, after which the fees are not subsidised.

Is it how I understand it is?

Yes correct

You will have to pay co insurance of 10% or not more than RM1000 per claim

Annual limit is 100k

Hi lifebalance,

lets say something happened, and we claimed RM100k for the year.

Can we renew the insurance for the following year, or can the group insurance reject our application?

also if the annual limit is RM100,000, and we claim all in one go. If its 10% of which, isn't it RM10k per claim? I don't really understand

The brochure seems to put renewable until 70 yr old and didn't mentioned any lifetime limit so I assume that will be 100k for the whole family yearly.

This could also mean the plan can be withdrawn in the future but you'll need to confirm this in the policy book

It stated in there that A + B will not be more than 1000 for each claim so if the claim is 100k then max you'll need to pay is RM1000

Hi..

Can anyone explain why MCIS quotation reads like this?

Commission of 15% of the annual premium is payable every year until the end of the policy term

I thought commission is only paid for 7 years from the time of signing up for any insurance policy...

Why MCIS commission need to be paid every year until end of the policy term???

So if I buy a MCIS policy and maintain it for 30 years, throughout that duration i must pay commission???

Pls help me on this

Note: this is a standalone medical policy quoted on June 2017.