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Choosing Life Insurance, Advice Please!!!
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ganesher85
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 Mar 6 2014, 02:57 AM
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Getting Started
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QUOTE(g00glesYYl @ Mar 26 2007, 11:10 AM) 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? I dont think so. Life insurance should be the main policy. Medical card and PA should be the rider in your main policy  |
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ganesher85
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Mar 6 2014, 07:24 PM
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Getting Started
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QUOTE(hullabaloo_bard @ Mar 6 2014, 06:32 PM) Guys, need some advise. If I have unlimted insurance benefit provided by my company, should I take my own medical insurance? 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. |
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ganesher85
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Mar 6 2014, 07:58 PM
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Getting Started
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QUOTE(joseph8 @ Feb 20 2013, 11:09 AM) 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. 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. |
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ganesher85
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Mar 7 2014, 01:26 AM
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Getting Started
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QUOTE(hullabaloo_bard @ Mar 6 2014, 09:39 PM) 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? If i were you, i will take a policy which can cover my medical expenses regardless of my employment status. As i grow old, premium might be bigger and greater chance of greeting illness. Better to have policy when i am young |
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