Any reason you would like to do so?

I've explained thoroughly in another thread. Basically, whole life insurance does not fit my need. I'll be replacing it with term life insurance.
I just want to know if it's possible or not, that's all. No need to persuade me to change my mind.

any agent can clear my question on medical
1. standalone medical card that bought 5 year ago
which come with 100k lifetime limit
premium is more cheaper than current medical card.

how about in future? will the gap increase where year 2017 medical card will keep only increase while the old card increase is slower?

what ur advice to keep the old card or to buy another current card?

Hi

when it comes to critical illness, it will depends on the severity, normally if it's moderate or high, chances of applying for insurance will be rejected, especially for cases like Cancer.

However if you feel that the critical illness severity is minor, you may still submit your application for the underwriter to consider your application.

AIA and GE agents, need your clarification..

Do your company's MEDICAL CARD covers take home drugs, examination and consultation for out-patient kidney dialysis and cancer treatment??

For Allianz, I notice it's clearly stated on their brochures..

What about for AIA and GE?? HLA?

Thanks for the info..

What about GE? GE agent pls come in

For AIA, is it possible to restructure my whole life insurance with riders, so that the riders become standalone, and then I cancel my whole life insurance? Or do I need to create a separate policy and then let my original policy lapse? 

need advice. with today's medical cost, do you think it is better to go for medical card with
100K lifetime limit or 1.1m lifetime limit ?

If the cost difference to get RM1.1 mil coverage is not a lot then get the RM1.1 mil instead.

When you mention lifetime limit, I assume you're referring to the annual limit right ?

Because lifetime limit means throughout your lifetime, you can only claim up to RM1.1 mil and the card will cease.

If it's yearly limit RM1.1 mil then you can entitle to claim RM1.1 mil yearly.

you are right. it is annual. the different between the two is different by RM1200 yearly or RM100 per month.

i am hesitating, should i get the 100k annual limit or 1.1m annual limit ?

Honestly ... RM100 difference to get additional RM1 mil coverage is really no brainer

you may be right. RM1200 a year for additional RM1m seem a lot but truely are we utilizing this much nowaday ?

with medical cost inflation of 10% - 15% per annum.

Treatment cost
a. RM100,000 (2017) -----> RM259,374 (2027) ----> RM672,749 (2037)

b. RM200,000 (2017) -----> RM518,748 (2027) ----> RM1,345,499 (2037)

The figure above is estimated, when you have a higher annual limit card itself, you can rest assure that you don't have to worry about your medication cost for atleast another 20 years.

so, in that case, 100k annual limit is just enough for current year.
to cater for future it is better for us to adopt the 1.1m annual limit instate..?

Of course, there are a few consideration you have to consider as well such as insurability.

Whether can you still get to upgrade your medical card in the future if you don't choose to do so now.

What can cause you not to be able to upgrade or buy another insurance ?
- Health problem such as pre-existing illness or overweight / underweight problem

http://www.freemalaysiatoday.com/category/...s-to-be-probed/

This sounds like we are paying more on top of having a medical card 

Hi all,

I am in a little bit of a predicament. I recently been checking on my fathers properties and it seems he hasn't purchased any life insurance for the loans he has taken. He is the sole breadwinner of the family and it worries me if anything happens to him.

He is currently 65 years old and is a business owner. Does not smoke.

I estimate the loan he has taken is about in excess of RM2 million.

Would like to know my options with term life insurance.

Thanks...

Indeed, hence I would like to know if going with a term insurance or investment link would make sense?

At his age is there any difference in premium? Medical check up is not an issue.

I see, if any agent is available I am located at Sabah Sandakan. From what I see mostly are West Malaysians.

Thx.