Hey there,

Hopefully someone here can help me out. I have several policy with AIA. Am reviewing my policy now whether I should buy more or not..
Here's the summary of my insurance by policy

Life = Approximately RM 120 K (RM 50K (IPP) from the dependable on whether used for Critical Illness) + Rm 55 (death due to accident)
Medical/Critical Illness = Approximately RM 115K
Hospital = RM 200
Disability = Rm 11K.

My concern now to review/top up my policy is more on critical illness and medical expenses. Here's my questions:

1) Anyone can advise what to do? Is it common that critical illness are bundled together with life?
2) AIA seems to have a plan known as AIA E HealthGuard 55, is this plan feasible for critical illness/medical coverage? Is the premium here 100% can be used for tax relief up to RM 3000? What's the advantages of this plan versus other AIA "popular" plan like ExcelCare
3) My premiums collectively are very very high and coverage is low compare to other companies like Prudential. Is there something wrong with the policy setup above?
4) Is it true, that the general critical illness in AIA covers Femichoice/female illness... so, no need to buy so much coverage for Femichoice plan?
5) Is it true that the ExcelCare Plan cannot be tied to a IPP plan anymore? Previously I can do that, but now it's against AIA new terms and condition?

I do hope someone from AIA can help me out. I'm fed up with the call center "so called general enquiries" services as well as the email enquiries.

Thanks in advance. Hope to hear from someone soon!!!

This post has been edited by joycecross: Jun 18 2008, 05:50 PM

bbjslee,

yes, i asked my existing agent, but at times, hv doubts/trust issues...that's why want some re-confirmation

Hello everybody,

Can anyone recommend a good Personal Accident Insurance?

I also have the following questions:

a) are PA insurance premium claimable under tax relief? If yes, does it falls into life/kswp RM 6K category or the medica/education RM 3K?

b) AIA Easy PA coverage requires premium of RM 217 per year for a coverage of RM 100K. Isn't that pricey as I understand PA insurance should be relatively cheap... some are even FOC!

Appreciate some feedback. Thanks in advance.

Thanks for your prompt reply.

Hmmm.. what you just describe seemed to be different from the one I am referring. The one I know of is called Easy Cover PA.

If 500K Coverage known as Plan 500 -- The Annual Premium is RM 756.00.
If 200K Coverage known as Plan 200 -- The Annual Premium is RM 429.00
If 100K Coverage known as Plan 100 -- The Annual Premium is Rm 217.00

Anyway, looking forward to know more about the promotion u mentioned.


Thanks a lot...

thanks for the info......

hv to really think about this... when broken down to daily... seemed little... teh o peng only:P but feel like coverage very high ler.. whether really need that high...