Can any one provide the detail benefits of Great Eastern medical card that covers up to 100 years old ?

Prudential BSN is one of the best....from my point of view..

Hi,

Yes I currently allocate nearly 40% of my income as my savings as I don't have any other commitment yet. So do you think if its ok for me to use 10% of my income for insurance?

Thanks.

Are there any insurance package that can cover someone who becomes paralyzed/unable to work after an accident?

I have talked to a couple of insurance agent, but none is able to give me a good answer on this. Most insurance covers only a loss of something such as limbs, fingers, leg, 32 illnesses but what about a vegetative state?

One insurance agent even told me that me that since someone in a vegetative state does not lose anything, they wont get anything.

HI, im just fresh grad and now working for about 5 months oledy..i plan to buy an insurance, but duno which company is offer better...so can i ask

im 23 years old this year, female ..

should my insurance cover all this

-deaths
-medical card (i think this is a must)
-TPD
-PA
-36 Diseases ( is it a need?)
-female diseases

currently my frens recommend ,Prudential, but i wan to hear all of u opinion...
mind to share with me?my budget is around rm 160.00
thanks..

can i ask what is the difference for saving and investment link insurance? which 1 is more suitable for me?
my frens said if buy investment link insurance, then the medical card not need to top up when we are getthing older cos will using investment money to top up.is it right?

then the saving insurance will not.

but what are u all guys opinion?

thanks for u all opinion..

Then is it means savings insurance is better than investment link insurance?

my frens recommend me this :Investment link

Death -30k
36 diseases -30k
medical card + hospital benefit
PA -30K
TDP -30K
Female -50K

the fees is rm 190/month..

so what do u all think?for me is a bit high the fees ...so anyone can give me some opinion which 1 need to cut down?

hello all, i'm a tertiary student, 22/male. I have few question regarding life insurance....I hope you guys can help me out... thank you...

i'm currently holding a ING policy. it's a purely medical plan/medical card (a life insurance with BSA of 5k and medical plan rider, IMP 3) with annual limit of RM110k. My current premium is about RM 700 p/a

i'm planning to get a 3D protection(Death, TPD, CI) as well. My budget is around RM 800 p/a.

1. Wat do you think about my current medical card? Is too much to pay RM700 p/a for a medical card?

2. Issit advisable/preferable that I upgrade my current ING policy or should I buy a seperate policy? I'm currently eyeing for GE's Supreme Living Care.

3. What is the protection that i can get from RM 800 p/a?

4. I've gotten a policy quotation (Supreme Living Care, traditional 3D policy) from my friend, a GE agent. With RM 1500 p/a, i'm offered BSA of RM55k, with cash bonus. The BSA is to increase every year. BSAs at every 10 policy years are 77k, 99k, 110k, 110k, 110k, 82.5k.

What do you guys think about this. At RM1500 p/a the BSA is Rm55k... is that too little? At RM800 p/a the BSA surely will be way lower.

5. In general... are policies upgradable? I plan to increase my life insurance protection once i've started working.

thank you....

Im wondering, what differenciate life and personal insurance?

Do life insurance covers medial cost for diseases or just pay you when you die naturally/disease? Personal insurance only pay for medical cost if you die or get injured issit?

hi all ..i didnt browse through every pages here..but i wan to know how much do i have to fork out for a BASIC insurance dat includes medical card?
im 30 dis year...thanks all

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

I was told by my agent that my insurance (prulink5) have a annual contribution cap of 5k, which means i can only contribute up to 5k per annum. And if i want to have bigger coverage beyond that, I need to purchase different policies. Can anyone verify this?

Huh? Why an investment linked need to have a 5k cap?

Then let say initially i have medical plan in it, i remove it and since medical plan is usually more expensive than other riders, can i upgrade let say the CI or Life coverage up to the 5k gap?

Example,

I have medical plan and my life coverage= 300k, CI=300k, PA=500k with waiver. Premium=5k

Now since i have detach the medical plan, can i upgrade my life coverage to 800k, CI=500k, PA=500k with waiver? with similar premium of 5k?

Can we make it clear wether a person can buy a prulink of max 5k, OR the agent can only take a full commission based on 5k? Any amount other than that, shall be regarded as investment preium I.e agent commission shall be much less.

This happens to Allianz's ILP 2 yes ago, until they lift up the 5k agent commission gap. I have seen Allianz ILP costing RM 200k per annum.

hmm, medical examination or not is not important..as long as can get higher coverage with the same policy. Why not optimize it?
I think before you make the statements that Pru covers 40% of total individual medical card, is it better to show valid statements from the authority, right?

Ok, so let say few years ago, i get Pru(old version of medical rider) and now, i wan to get a new Pru(latest version of medical rider). Can i simply substitute it in the same plan?

If yes, then it is good.. my concern is not important.

If No, this is what i am concerned about. Then, I will be required to take out the rider from old plan and i get a new medical rider in new plan. If i put higher coverage in new plan, the fund allocation is actually lesser than the old plan. So, it will not MAX my coverage and it is NOT economical. Agree?

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