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Insurance Talk V4!, Anything and everything about Insurance
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MONICA88
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 Jul 26 2017, 12:03 AM
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New Member
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QUOTE(wiind @ Jul 22 2017, 04:05 PM) Hi guys, thinking to get medical insurance for my parent so thought that I would get some advises from the forumers here as well.  1. My father is 60 next birthday and he is a smoker. How difficult or how expensive it will be to get him insured? 2. My mother is 51 next birthday and is healthy currently. What is the range of cost should I be expecting? Thank you for your advices in advance!  Hi Wiind, Minimum is RM 450/M for your father,if RM 600/m with better coverage Minimum is RM 300/M for your mom,if RM 400 with better coverage From : Monica |
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MONICA88
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Aug 2 2017, 10:45 AM
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New Member
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QUOTE(flintbatu @ Aug 1 2017, 11:58 AM) Hi sifus, Would appreciate kind advise on my situation Male, 48 years old, non smoker, class 1 occupation Current plan: Prudential medical card participating Board RM150 Annual limit: 50k Lifetime limit: 1 mil Deductible: RM300 Life: 50k CI: 40k (early crisis defender) , 40k (late stage) Current premium: RM290 I was offered to upgrade to no lifetime limit, annual limit of 1 mil and others remains the same with additional payment of RM110 (up to 80 years old) and another option to 70 years old at RM80. My question is that any difference between 70 and 80 years limit besides the cost? Any input would be appreciated. Thank you in advance. The extra of RM 30 is to cover the higher medical card cost for 71-80 years old I will advise you to cover up to age 80.this is because the life expectancy for male is 75 and female is 78.furthermore if you choose until 70 years old.later when you are 70 years ols,you are not able to extend again to 80 years old. |
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MONICA88
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Aug 2 2017, 12:20 PM
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New Member
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QUOTE(Red_rustyjelly @ Aug 1 2017, 02:09 PM) Guys, what is the return % on GE's Smart Educate Saver over the 18 years? lowest projected & High projected? I heard it is a good plan, that the Unit trust will use the money for investment SOS: https://www.greateasternlife.com/my/en/pers...cate-saver.htmlplanning to buy 1 for my kid. You can go to https://www.greateasternlife.com/my/en/pers...ation-fund.htmlto check about the estimated education cost.normally it will be huge amounts and depending you are sending them to which country for furthers studies. You need to diversify your investment as well but the Smart Educate Saver plan from great eastern can add in the payor benefits.So u have a least some guaranteed amount of education funds. this is one of the best savings plan in town because. 1)the return is higher
2)There will be additional 2% premium allocation on BuP at every 3rd policy years, i.e. 3rd, 6th, 9th,12th, 15th, 18th, 21st and 24th year (subject to policy term).
3) For Budgeted Premium (BuP), the ratio of IP to Balancer at New Business stage must be 1 to 1.
example Budgeted Premium (BuP) = RM 2,400
Budgeted Premium (BuP) = RM 1200 (IP) + RM 1200 (Balancer)
the balancer 95%-97% of premium go to unit trust investment. THATS WHY THE RETURN IS HIGHER |
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MONICA88
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Nov 24 2017, 06:47 AM
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New Member
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dear all expert,URGENT
CAN I KNOW WHICH INSURANCE COMPANY AT MALAYSIA COVER IMMUNOTHERAPHY THERAPY FOR CANCER PATIENT.
TQ
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