Anyone familiar with Great Eastern Investment Link - Smart Protect Essential 2 which includes:
1) Smart Medic Xtra SMX150 which gives a 90k Annual Limit, No lifetime limit

plus

2) Smart Extender which gives RM900k Annual Limit, No lifetime limit.

According to the agent, the Smart Extender has a 90k deductible which actually uses from the Smart Medic Xtra annual limit. Meaning you actually get RM990k Annual Limit with No Life Time Limit.

Room rate is only RM150, but the premium per month is only around RM270 which is really cheap for a RM990k annual limit with no life time limit.
Includes premium waiver and early CI payout.

My current policy with AIA is catered more to investment side but only gives RM120k annual limit with no life time limit, no premium waiver and no early CI. Premium per month is also around RM270.

Question:

Can someone with autoimmune disease buy medical card? I know there will be exclusion but to what extent? Or does it mean that someone will not be able to safeguard themselves from critical illness due to the nature of the disease?

Experienced agent kindly advise, would appreciate them a lot. Thank you.

Participating-type enable the policy-owners to enjoy 90% of the upside from investments, and no downside from the losses as there is a minimum guaranteed return. Nowadays its quite difficult to find one as most of them are moving towards investment-linked which exposed us to the downside risks as well...

Where can I find the list of Great Eastern riders?

Can I buy medical card from the same company but diff agent ?

I have 190k medical card now from company G , however I do not want to upgrade the existing card anymore, just gonna let it lapse itself.

So can I buy the new million ringgit medical card from company G again without engaging the same agent ? Without cancelling my existing plan too.

Best medical card. Any recommendations?

It is new, got in a couple of months ago.

Was asked what riders to get, so I opt for income replacement (500k), TPD and CI.

Now I am interested to include medical rider, agent said cannot. Wah laao, thought ILP means can add/remove riders?

I have a four-months old Great Eastern ILP plan called
i-Great Damai 2.0 (ILP Type B)

This one should able to add medical riders, yes?

Be careful about these yearly renewable insurances though; because they are yearly renewable, the companies can choose to refuse your renewals. With PA it isn't that much of an issue, since most PA deals with accidents, death, and disability. But when it comes to medical cards, your claims this year may prevent you claiming next year and beyond

any specific plan that i can look into?

really have no idea about insurance things 

Just to seek opinion

I had purchased a policy back when 23 years old.

Got myself a plan smartprotect essential insurance 2.
It's from Great eastern.
I was asked to add in critical illness benefit rider, smart extender 90k (Room and board RM150) ,smart medic xtra ,comprehensive accident benefits xtra rider,premium waiver extra rider ,smart early payout critical care .

I recently came to understand its investment link product and paying 260 per month since initiate the plan till now. The 90k deductible means I can straight to claim in a year for limited number of time or its unlimited ?

Is it worth it?

u can survey and buy from FSM. https://www.fundsupermart.com.my/insurance/

hi, can advise is this worth? based on age 37, m & non smoker.
MCIS Max Health Plan
Sub Plan    Name Room & Board                                        
MaxHealth Plan200 RM200 per day (Max 150 days per year)

Annual Limit Life Time Limit Co-insurance                        Annual Premium
RM1,000,000 Unlimited         20% (Max 1k) if exceed R&B RM1,486.00

I decided to go for company that support easy self service because I faced bad experience with my agent. I changed twice to different agent but all are not responsive after 6 yrs if I didn't do upgrade. So, why should I pay agent for 6 yrs for free if they can't do their job when I need them? Insurance is a long term investment and its not limit to 6 yrs.

Hi, sorry for follow-up question.
If I buy it now,once the promotion period ends will my premium jump back to the one on the brochure or will I continue to enjoy the promotion?

so agent will quote based on 38, or 44, for insured+spouse medical card?

Any GE agents here? Need to ask on between Income Replacement rider vs CI coverage?

So, IR = CI? Not IR is if accident meh?

GE sifus,

For GE SmartMedic Xtra, NB, was told by agent that for first 2 years, no cashless benefit, e.g. any medical claim has to be via "pay first, claim later".

Is this true ? I'd yet to receive policy, so unable to ascertain if this is mentioned in the contract.

GE sifus,

Also, let say GE SmartMedic Xtra, assuming opted SMX200 with R&B RM200, was told that should during admission we opted for room & board exceeding RM200 (let say upgrade to a room more than covered by insurance entitlement), then it's not about paying the "excess" of the covered RM200 under SMX200 but it'll incur co-insurance of 20% of total-bill including post-hospitalization treatment (also subjected to co-insurance of 20%), is this true ?

So that mean no more insurance protection since the loan is settled.

TQ