Hei...anyone are with HLA (Hong Leong Assurance) policy?

Well, someone come to me talk bout this...
here's wat he quote...

Life Insurance --> RM50K
36 Critical Illness --> RM50k
PA --> RM50k
Medical Card --> RM150k

For above coverage, need to pay RM163 monthly for 20years...

I believe, this will be a good start for those just started work lor...am i right? Anyway, i see that almost every company also offer the same kind of policy as above lor... Only depends u wanna choose which company...maybe u prefer more reputable or those easier to get claims lor...As for me, i'm doubful bout HLA also...lol...

But got one thing i think HLA got upper hand is the Medical Card lor...i've been told that this card can be use in any Hospital in M'sia...unlike others that only applicable to the panel hospital only...

So anyone is under HLA policy, mind to share ur opinions?
Besides that, can anyone tell me how to use the Medical Card?
Is it we need to pay first, then only can claim when get submitted to hospital?
Or, just show the card, enough already?

As u know, last time got a case that the lady submitted to private hospital, but need to pay cash 1st then only the Dr treat her...

Age =23
Fresh Grad
Occupation = Material Analyst
y 20years?? --> I've been told that after pay for few years, the premium or interest can cover the RM163...Erm...y 20years har mistaken for something else...mistake...pai seh
Yup...need more insurance 20yrs later... but currently just as starting... around RM160 monthly is ok lor...
Question: When i feel need more insurance, i can revise my policy rite? So IMO, i pay RM160 for few years, then when the premium/interest able to cover the RM160, it's time for me to revise the insurance lor...
Terminate the medical card,36 Critical Illness,PA but remain the life insurance. Then get a new Policy with higher coverage. So by this way, the old policy(Life Insurance only) still on going, as the premium/interest can cover, i need to pay for the new policy right??

Bout the medical card, i din ask that "someone" also lar...i just hear hear hear only...That "someone" is my GF's bro first time visit her house, he told me this stuff pulak

Anyway, i only plan to get insurance mid next year...so now i only listen n read only...
Reasons, dun want insurance be my burden now...and also building up my liquidity...planned to change job next year so need to review again my salary whether can cope with what i've to pay

What's the name of this policy?

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Added on January 24, 2008, 8:33 amMy fren just quote me a 3D policy, 50k --> RM125mthly, 100k --> RM240++ mthly

This post has been edited by l3iTi: Jan 24 2008, 08:33 AM