Having a deductible if 120k means the first 120k needs to be paid for before the benefits of your medical card kicks in.

You should check with your friend how they plan to help you resolve this issue, if it's an issue for you.

Best,
Jiansheng

If you're financially able to afford it then it's always a prudent move to include the medical card in...

Medical card will exclude any pre-existing illnesses so if you've experienced any illness during your employment it could be excluded if you were to apply for it later on.

Best,
Jiansheng

I think you got the basic incorrect.

If you get the Medical Card now, any illness occur thereafter is covered

If you had a pre-existing illness, your new medical card add-on may get loading, exclusion or denied in applying for the medical card add on

if you had an existing medical plan in your old policy and wish to upgrade but with pre-existing illness condition, your new medical card application may be subject to loading, exclusion or denied in applying for the new medical card upgrade.

Any GE agent here?

I currently have GE-ILP plan, but no medical coverage (only have life, TPD, income replacement).

Plan to include medical rider, but my agent say have to get another ILP rather than add the rider in my existing plan.

Makes sense?

what is the name of your ILP plan? if ILP plan is too old, can't add the latest medical rider in. have to get the latest ILP plan.

Probably have these kind of plan. Which is only cover life and some additional of critical illness coverage.
This kind of plan normally will cover life insurance sum assured of min rm500,000.

Is true that it have no medical coverage.

Got to study your financial needs, what kind of medicals that suits you.

what is the name of your ILP plan? if ILP plan is too old, can't add the latest medical rider in. have to get the latest ILP plan.

If the ILP policy called Smart Protect Essential-2 then only can include the medical rider.

bro, by any chance you bought the SmartProtect Max/ Smart Legacy/ Smart Legacy Max? if yes, then yea there is no medical rider in these 3 plans. there is only 2 ILP that can add medical riders which is SmartProtect Essential & Smart EduScholar (for children)

YES, you can add in to I-Great Damai 2.0. Why not opt for I-Great Mega for income replacement earlier on?  just curious.

yes. i-Great Mega is takaful plan.

i-Great Mega (takaful)
i-Great Mega PDS

if you bought i-Great Mega then no medical rider is available. the one that you bought can add medical rider.

Basically Income Replacement is a concept where you unable to work due to any Critical Illness. This coverage can help to replace ur income since you unable to work during the CI condition.

replied you above
income replacement rider (you should be referring to Great Income Rider) in the plan means if TPD, you will be paid a certain amount a year until age 70.

CI coverage (are you referring to Critical Illness Benefit Rider?) pays you the lump sum if diagnosed advanced stage CI.