MediSafe Infinite+ comes with the option of RM5k, RM10k, RM30k deductible hence I was surprised that your agent proposed for you to cancel your previous medical card.

Do check with him and see what he propose.

Best,
Jiansheng

If you would still like to proceed with Allianz along with the deductible options we can work something out.

Best,
Jiansheng

Sure there is, it all depends on how you define better?

Lower premiums same coverage?

Lower premiums better coverage?

Higher premiums better coverage?

And if those sum assured is the correct figure for you.. has the agent explained to you why you life and CI coverage is rm100k?

Best,
Jiansheng

The chiro treatment is for post hospitalisation. It is a pay and claim.

Best,
Jiansheng

Need to be registered with the relevant authorities and it is the life assured duty to prepare relevant proof that the practitioner is registered.

For policy holder, please refer to your policy for the details. It is quite comprehensive.

Discharge from the hospital or after day-care Surgery.

I am more curious why patient would go against doctor advise.

Best,
Jiansheng

This post has been edited by Holocene: Aug 19 2019, 10:08 PM

You can check out those term insurance that covers more than 10 years.

Alternatively talk to your agent and find out how much extra does it cost you to increase your life coverage with your existing PowerLink.

Once you know the premiums, you can make your decision then.

Best,
Jiansheng

If you have any feedback in regards to your experience with Allianz and its agents you can provide your feedback here:

https://www.allianz.com.my/talk-to-us

Best,
Jiansheng

Walk in to customer service and inform them of your wishes and they will advise you accordingly.

Best,
Jiansheng

If you're planning to get a medical card with no lifetime limit, look for one that provides a deductible option. This will help you manage the cost of premiums.

If your father does not have any more liabilities then a medical card is more then sufficient. This is assuming he has been building his best egg diligently over the years.

Next off is to look into estate planning.

Best,
Jiansheng

Possible however it depends on the premium on the newer plan.

Get your agent to do a comparison:

1) Maintain old plan and new plan with deductible (What's the premium)

And

2) If you upgrade to new plan without deductible (What's the premium)

Best,
Jiansheng

If you find a good agent, it doesn't really matter if you both are in the same location, he/she will still be able to assist you when the time comes.

Great to hear that Allianz is one of your main choice. When planning for your medical card it really comes down to the R&B as it will determine your annual limit.

These are a few highlights for Allianz medical card:

1) No overall lifetime limit & high overall annual limit of up to RM2.5mil

2) Flexible deductible options: 0, RM5k, RM10k or RM30k with retirement option at 60 years old (This will greatly help you to manage the premium you will be paying)

3) No claim benefits including No Claim Refund up to 20% of Cost of insurance paid for preceding year and No Claim Rewards of up to 50% increase in initial Hospital R&B benefit (No claim refund in layman term is something like a cashback so long you did not make a claim the previous year)

4) Extensive Cancer Coverage ( Chemotherapy, Radiotherapy, Targeted Therapy, Hormonal Therapy & Immunotherapy) including access to genomic testing

5) Global Expert Medical Opinion to help in your medical decision making

6) Lodger Benefit

Example of quote:
Option 1
- Life/TPD: RM5,000

- R&B200
-- Annual Limit: RM1,500,000
-- Lifetime Limit: None

Coverage term: until 80 years old
Premium: RM255/month

Option 2
- Life/TPD: RM5,000

- R&B200
-- Annual Limit: RM1,500,000
-- Lifetime Limit: None
-- Deductible: RM5k

Coverage term: until 80 years old
Premium: RM215/month

So you get the idea, the higher the deductible the lower the premium.

One thing I would like to highlight is that for Allianz the recommended coverage term is at least until 80 years old as the life expectancy in Malaysia is about 76 years old. However, you have the option to have a shorter or longer coverage term and this will indirectly affect the premium that you will be paying.

For your profile, the minimum coverage term would be until 60 years old and the max is until 100 years old. Using option 1 as an example your premium will then be either RM188/month or RM500/month.

You should also consider Life/TPD Insurance and Critical Illness Insurance.

Your personal insurance will form the foundation of your personal finance journey so it's great to see that you're taking action. Above is a very simple, straightforward and rational quotation for a medical card. If you have any further questions just post them here.

Best,
Jiansheng

This post has been edited by Holocene: Sep 10 2019, 08:06 AM

Get in touch with your agent and inform him of your wishes to do so.

Alternatively you can walk into our branch to get that done.

Best,
Jiansheng

Automatically renews at the end of the term to 100 years old. Premium will be based on the age at end of initial term.

So it's a pay now or later kind of scenario.

I'm assuming it's Allianz.. looks like Allianz.

🤓

This post has been edited by Holocene: Sep 12 2019, 10:28 PM

Do you know what is the coverage term for A-Lifelink 2?

Best,
Jiansheng

Based on those criteria you'll be looking at a premium starting at RM222/month. This will give you a coverage term (sustainability) of 28 years.

For RM300/month you'll be looking at a coverage term (sustainability) of 42 years.


Best,
Jiansheng

This post has been edited by Holocene: Oct 14 2019, 06:52 PM

Hi jack2,

Do let me know if you require further assistance on this matter.

Alternatively you can give the customer service a call, they will be able to answer your question on the spot. Sometimes it could be a cut off date issue as when they send out the premium reminder and when the system receives your premium.

Best,
Jiansheng

Thanks for your feedback.

There are no fees charged for Jompay. This is peculiar.

Would suggest that you log into your customer portal and check out the payment history. Make sure payments are captured on a timely manner. Would you mind sharing the plan name?

I would suggest that you go further to inform Allianz of your experience here: https://www.allianz.com.my/talk-to-us

Best,
Jiansheng

Let me know your policy number and name, I will escalate this matter to Allianz Management myself and I apologise for your experience thus far.

Best,
Jiansheng

This post has been edited by Holocene: Nov 5 2019, 10:07 AM

Hi RigerZ,

Curios where you see the clause that in-patient hospital treatment for PA injuries are not covered.

Best,
Jiansheng

Don't think we can access an agent's portal without being an agent. Please provide access details to understand more.

Best,
Jiansheng