Really need other sifu to clarify. I thought any death causes is covered by life insurance.

Instead of looking at the company, choose your agent instead. Company wise, its too subjective to give comment eh.

Perhaps it is an additional rider whereby the cost of insurance only comes in at age 91 onwards. Have to look through the fine print.

they focus on investment-linked/endowment. unless you initiate to ask them about medical.

Between RM700 to RM800 annual premium.

The term endowment is too general i will say. Layman term is savings plan. Anyway, the terms are always mixed up when being used also.

nice update bro!

lifebalance

i have a friend that has AIA policy. his agent told him that cannot add the medbooster rider on the existing policy as a upgrade. can only get a new policy with that new rider. is it true?

With that rm90/month additional, if put that in your existing plan and upgrade the medical?

Ok thanks man.

to let you compare, need to know your date of birth, gender, occupation, smoker/non smoker.

Possible to lose limbs if severe diabetic too.

if you have surgical history, yea you have to maintain the current policy. unless the new medical insurance application got no exclusion on that (depends on company's underwriting). perhaps in your situation, just apply something and see how the underwriting goes.

there is only the AIA Vitality program that rewards healthy individual. By sitting down with an agent and discuss things out then you will actually know what you want in a plan that benefits you. Also check out what your parents is paying for you then from there you work out something.

must ask your company.

what is your age and occupation? cz from what you and your spouse are paying for, the benefit seems little (the Life 10k). i might be wrong though since I duno your age/occupation/smoker,non smoker.

budget constraint based on the 10% monthly income? from my point of view, its difficult to judge whether are you overpaying/over insuring. I believe by discussing this with your agent before that, you will be clear of what you want out of the insurance plan.

if i were you, perhaps i will find out with the same premium amount you are paying right now, can you get better benefits from other insurance companies (since budget is a constraint here). if it is more or less the same, then top up a comfortable amount of premium and check again whether the new benefits added is what you expected or not.

looks like very well planned already
For spouse, since more than 500k is way beyond affordable, try to see whether can top up in the existing plan of life 10k or not. perhaps top up till it reach 100k (or the amount that you desire)

yeap... most insurance companies are having plans like this already

AIA, Allianz, Great Eastern, HLA, etc.

what is the benefits in the Allianz plan? plan benefits are very similar just that what benefits are you focusing on. most insurance plans are very similar already. so definitely u will get something similar in AIA as well. perhaps you can compare to your Allianz plan.

when it comes to claims, definitely will have cases like that. perhaps agent mis-selling.

first thing first, what are the plan bought by the patient/client. really need to check properly. i do come across friends that thought their insurance covers medical bill. end up after going through policy, it is not as what its promised. if there is any case that your friend need help (provided can reach out to the patient and call to the insurance company to ask clearer together), im willing to help.

lately settled a case for my friend whereby her agent submit her claim get rejected. asked me to check her case and bring her to company to submit the claim again. Claim is then approved and received.

There are plans that dont cover accident. Depends on what insurance plan did they purchase. Btw, cant really judge much unless you have the policy details here for us to see what client actually have.

Depends on severity. My friends RA is kinda serious. Check up report reading is very high. Medical card application is rejected.

Is there any chance that we can apply for GL for admission to do MRI scan for injured knee?

Cant comment much as im not familiar with the plan. Do u have the plan proposal with u?

Whats the main purpose you are looking at if you will to commit on a new plan?

Cant help you much on car insurance premium. I have a friend who cna help though

very very subjective argument i will say. every scenario got its own perspective.

since you know that you have under insured life insurance, y not upgrade?

not so sure about PruWarison, need to see the plan proposal to understand it. so are you looking for something that can provide your family if anything happen to you? if PruWarisan can give you this peace of mind, go ahead with it