Claim problem,services..maybe the company is good but from my fren and relatives bad exp I rather avoid it then take this risk

I'm from Melaka . . . PM me if you reconsider     

Typical pru fighter haha.u sure success

Wrong. 1st year the commission we earn is 40%. And depending on which type of plan, some we only earn 2%.
- What about management fees?
- Processing fees?
- No need to pay the customer service / underwriter... etc?
Consider this:
- Diseases are getting younger. More and more people in their early and mid 20s are starting to have heart attack, kidney failure and even breast cancer.
- You buy an insurance plan 1000/yr from age 20 till age 87 (maturity). You buy insurance plan 1500/yr from age 25-87 for the same amount of BSA. You do the maths which one is more.
- Medical card only covers surgery but not the cost of "organ" required for transplant (if required).
- Imagine someone just grad, came out to work 5 months, bought a kancil. Unluckily he had heart attack, bed ridden for 3 months. Luckily he has medical card.
a) Is the company going to give him 3 months paid leave or 3 months unpaid leave or worse, terminate his contract?
b) How is he going to pay his car loan? PTPTN? Monthly medicine fees (not covered by medical card)?
c) Can he still work in an environment with high pressure and long working hours?
- Worst case, Total Permanent Disability for the rest of the life due to disease or accident, how to survive for the rest of the life?
- Quotation is usually show 4% - 8%, and as Bank Negara rule, have to show a low return & a high return quotation. I'm not sure which insurance company show you 10% - 20% return. That's even better than most unit trust out there.
- Are your parents your dependent too? They may not be, but do you still want to add to their burden?
- Funeral also need money. Have you seen people asking for donation to have a decent funeral for their family member?

Do you know that Insurance and Charity have different rebates?
Have you actually declared your income tax before?

Claim problem,services..maybe the company is good but from my fren and relatives bad exp I rather avoid it then take this risk

^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.

Any agent around Melaka? I wan to get medical n those all in one de, around rm250-300 ....any company except hongleong,prudencial,alliance..

I am28 male. Thank you

....any company except hongleong,prudencial,alliance..

I am28 male. Thank you

For me, 24 yrs old.

I just plan to hav medical card, P.A, 32 sickness which RM 100-150 per month

Life insuran is not in the plan yet bcoz no ppl depending on me (not married, parents will working).

Am i wrong?

Guys, need some advise. If I have unlimted insurance benefit provided by my company, should I take my own medical insurance?

Investment link is recommended because you can use small premium to create the relatively huge death benefit. Whereas traditional policy requires relatively higher premium.
Most people think of using P.A. but bear in mind that any claims for P.A. must be due to accident.

IMHO, you will still need medical card when you consider medical coverage after your retirement. Eg, you retire at 60 years old, you still need a medical card which cover you up to 91 years old. Certain policy might only covers medical card up to 65 yrs old.

I am aware of the future situation. What I'm saying is current position. Should I take own policy after I quit my job or take really minimal policy insurance as for now?

What is the best approach for me now?

I am aware of the future situation. What I'm saying is current position. Should I take own policy after I quit my job or take really minimal policy insurance as for now?

What is the best approach for me now?

Agree with joseph. My uncle claiming he is paying rm50 for medical card and accusing me why other company is charging nearly rm200. After further check on his policy tnc, it seems that medical card covers only for Personal Accident only.

P.s: Having medical card isn't sufficient, knowing your policy content is very crucial and you wont know the important until you really need the claim from insurance company.

good job

I am aware of the future situation. What I'm saying is current position. Should I take own policy after I quit my job or take really minimal policy insurance as for now?

What is the best approach for me now?