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?

1)he lost his job for almost half a year, yes he had emergency funds and all of us went out to work to slow down the fund depletion process and yes he has coverage for life, critical illness and hospital, during that period he maintain his protection and cancel all ours

2)i'm aware about that, but i don think you can blame insurance for this, it doesn't take a rocket scientist to know that emergency cash flow is always needed, anyway is only a handful of this kind of people who fail to pioritize and plan

3)it think it is, saving money has been taught since young by our parents, i don expect to walk into a restaurant and expect the chef to teach me how to use a fork

pardon me, but can you explain more detailed about no pure disability insurance?

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

Hi all,

I heard some say its better to buy insurance when we are young. I'm now 23 (by year) and 22 (by month), still 1 more month before I turn 23. So may I know among AIA, Prudential and GE, if I were to buy an insurance plan, which of them count the starting year from age 22 and not 23? I heard from 1 of my friend that AIA is count by month and GE is by year, is this true?

Thanks.

is this true? if yes then I dont need to hurry and get 1 plan now before my birthday. can take more time to study which is suitable to my needs.

Thanks for the feedback guys. Anyway since my parents already bought insurance for me, but when my friend (an insurance agent) studies my insurance policy he says maybe I could consider to get another insurance to add up to the sum assured of my current plan. So you guys think should I get an additional plan? How much is enough for sum assured?

Thanks.

Hi,

my current insurance plan only pays the following:

10k for natural death
10k + 10k for accidental death
10k + 15k for TPD
10k + 10k + 15k for accidental TPD
15k for 36 CI

Is the above coverage enough? Should I get another plan to add up the coverage?

Thanks.

Hi,

So what I need now just to add more coverage to critical illness protection and medical coverage? Then is medical card = medical coverage?

Thanks.

Hi,

but I already had a medical card. Just the coverage I think not so high. So should get another medical card with better coverage? Since only one of it can be used.

I give you a hint on what i bought

death  and Critical Ilness =>100K
medical card=>225k until 60 or 70 (Max one year can use only 75k)
plus a bit of investment.

total i pay is rm220 per year.
I think you need to topup for your critical ilness and death to at least 100k. less if you are already working and your compnay is covering you.

a freiend of mine..already 30. and he have some back problem, so its very difficult for him to get a medical card or at least it would cost him an arm and a leg to get it covered...so get it while you are still young and heathy..

Mistake mistake.....peryear...
i wish it was permonth...
hahaa

Thanks yewkhuay & bengang13 for the guidelines.

I'll give priority to medical coverage and critical illness. So if my current medical coverage is not sufficient, is it ok for me to get another with better coverage? Then how about my current medical card? Can cancel it?
And may I know what does PA means?

Thanks.

hi guys, may I know what insurance should I buy for my father? 55+, plenty of sickness

he just came back from hospital from unknown headache he is a heavy smoker, I know his premium will be expensive like hell.

what you mean can make the blood test looks better? legal to do or not? later if insurance company found out cheating then how?

other than medical card is there any insurance policy that's advisable to buy?

Hi,

Means the more reports the hospital have, the heavier the premium ?
I read that great eastern has this policy for seniors with rm53/month.
So is it just promotion with  terms and condition only?

Hi all, want to ask usually maximum how many % of our income should spend in insurance?

Thanks.

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

oh, so mean if i earn 2k a month, so max i should spend in insurance is around 200 right?

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.

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...