this is not excel care plus
erm, actually after adding the rider MCP to ECP,
then one can eliminate lifetime limit
sry but i cant upload excel file into the post,
may i noe any other way?
pls advise,
not good in using forums,

my company just applied for that AIA ExcelCare Plus without lifetime limit. I don't have the brochure now, but I remember the agent saying that it is basically the 'new & upgraded' version of the ExcelCare Plus. Is it that good? I'm thinking of keeping this medical insurance even if I leave the company.

hi i got the premium schedule for the excelcare plus with MCP to ECP and without. with MCP its up to ca. 35.000 RM annual premium. if i compare the benefits its not really better than other no lifetime plan i.e. AXA. only advantages are higher lifetimelimit for dialysis (max plans) and coverage until 100. but the premium is way higher than axa for a much lower annual limit. i think with the current plans offered i take premium healthcare until 80 and then revert to GH if the savings cant cover the costs thereafter. the premium difference is huge. i think can save quite a bit - have to plug in the aia premiums then can compare nicely how much one can set aside.

prudential,

feel free to contribute. dont just advertise - this is a discussion no marketplace.

I'm new in here. If you have any inquiry about insurance please do not hesitate to write in this thread. Just want to share and learn knowledge from you all.

i am new here.. now have to choose between Prudential and GE for Medical card. very very confuse. anyone pro in insurance and all the term insurance, life insurance, etc ? can help me to review my policy ? PLEASE ! i am really almost blown out my head thinking of it ((

You have to weigh all the possibility.especially the guranteed no change in premium after claim, critical illness waiver and coverage. I am using prudential but GE also reputable.

I found this tread is so interesting, last since year 2007...
Im an financial broker where represent 5 insurance company, 200 fund house, 7 banks and other financial institution...

Which mean, my recommendation will be independent, bcoz which ever i sell i also get my commission...
feel free to drop me an email if any enquiry about financial tools, ranging from insurance, investment, financing, estate planning and etc...

Tarick Tan
taricktan@gmail.com
0123326136

Tarick may i know which financial broker are you attached to? I also believe that your service should not be bias as u're not attached to any insurance firm directly.

P/s : interested in this line

HI,
I would like to help you..
First of all, I need more info / particulars fr u.
What kind of policies do you own now?
You wanna know abt medical plan?
Interested of knowing ING products?
PM me

Hi bro,
I can help you anytime. i'm pru wealth planner and can be contacted anytime and i'm please to share everything to you with no obligation. call me at 012-6998418.

thanks,
Zach

@lonelyboyboy

I am doing for GE.... all quotation requests are welcomed. Please PM me or call the number below:

Currently I'm offering services such as Savings plan, Investment-linked insurance, Health Insurance, Life insurance & Etc! All By Prudential Assurance Malaysia Berhad and most of them can be adjusted to suit your needs & conditions. Pm me if you have any enquiries! =)

Only know how to sell?

But don't know how to answer question?

http://forum.lowyat.net/index.php?showtopi...post&p=41225730

Hahaha. Good take bro

whats a good life insurance for family incase of death. i dont need anything extra for medical as that is already covered.
thanks

All life insurance works the same meaning covers u when death. Only different plan meets different needs. What r u looking at?

^i know that, but it seams theres often with packages etc. i just need a simple plan where incase of death, there is x amount for the family.

There are quite a number of plans out there:
Traditional Term Life policy: Gives u X amount up to a certain yrs as specified
Traditianal Life policy: Gives u X amount + bonuses up to age 100
Investment Linked Policy: Gives u X amount + investment value up to age 100
Universal Policy: A mixture of traditional + investment policy
Endownment: Pure life with bonuses for a period of time (normally the X amount is small)

See which serves u better.

I agree with chew_ronnie, having said that it also depends how large a sum you want your sum assured to be, different plans have differently distributed allocations of your premium into many other features, If you are looking for a simple high sum assured in case of death, Most insurance companies have it, you just have to remove all other benefits that comes with it. So it really comes down to preference of which insurance company you wanna tie in with..

This post has been edited by JapBoyRockS: Apr 7 2011, 04:20 PM