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Insurance Talk V5!, Anything and everything about Insurance
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MUM
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 Nov 6 2019, 12:14 PM
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QUOTE(Sanj11 @ Nov 6 2019, 09:49 AM) Hi All, I'm planning to get a medical plan for my dad who will turn 66 soon. He does have any existing medical plan, but its an old plan and the coverage is only till the age of 70. Therefore any input/recommendations from any agents in here would be highly appreciated. I'm only interested in medical plan, not life insurance and etc. try read post 1822...(plus a few posts up and downs from that post 1822 for some comments) there are links to the products that covers till age 80 closing date of offer till Dec 2019 only This post has been edited by MUM: Nov 6 2019, 12:17 PM |
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MUM
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Nov 6 2019, 07:26 PM
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QUOTE(tyenfei @ Nov 6 2019, 07:17 PM) Sanj11 need medical plan for father. And the 1822 post, GE GL4U no medical coverage. Cover life & accident death without medical condition & under writing need. ok thanks noted... Sanj11, maybe perhaps, try this then... as your dad is now 66 yrs old.... Policy is guaranteed renewable – up to age 80 years old next birthday How can I take up PRUSenior Med for my parents? You can take up PRUSenior Med for your parents by paying the premiums if they are between the ages of 45 to 70 years on their next birthday. Your parents will own the policy. https://www.prudential.com.my/export/sites/...ior-med_Eng.pdfThis post has been edited by MUM: Nov 6 2019, 07:28 PM |
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MUM
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Nov 6 2019, 07:31 PM
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QUOTE(tyenfei @ Nov 6 2019, 07:17 PM) Sanj11 need medical plan for father. And the 1822 post, GE GL4U no medical coverage. Cover life & accident death without medical condition & under writing need. do take note of the limitation of your being introduced plan.... |
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MUM
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Nov 8 2019, 09:56 PM
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QUOTE(ahleemaju @ Nov 8 2019, 09:51 PM) may i know is there any other company other than GE, also offer this type of no medical underwriting life insurance? while waiting for responses, try this? What is Term Life Insurance? Term Life insurance is a very common form of life insurance and provides a lump sum payout if you die in the course of the policy duration or if you suffer from a Total Permanent Disability. Known also as pure life insurance, it is priced affordably so that anyone can apply for it at any life stage and with this policy in hand, you can stay assured that you and your family will be protected in the occasion that something unfortunate happens to you. Term Life Insurance Policies in Malaysia https://ringgitplus.com/en/term-life-insurance/This post has been edited by MUM: Nov 8 2019, 09:58 PM Attached thumbnail(s)
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MUM
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Nov 13 2019, 02:33 PM
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QUOTE(Kilohertz @ Nov 13 2019, 12:33 PM) Just saw this AiA Health Wallet thingy, wondering what is it about. while waiting for value added responses, you can try read this for some added info while you wait. (from page 3) WHAT IS HEALTH WALLET ? https://www.aia.com.my/content/dam/my/en/do...plus-health.pdf |
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MUM
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Nov 18 2019, 01:04 AM
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QUOTE(RigerZ @ Nov 17 2019, 11:59 PM) Oh that's out-patient... I'm concerned about becoming in-patient e.g multiple broken/fractured bones from your provided link .... https://www.allianz.com.my/documents/144671...4b-dc1d5d3faae6Medical Expenses Indemnifies the medical expenses incurred for injuries resulting from an accident, including illnesses such as Dengue, Zika Virus, Malaria, Japanese Encephalitis or Chikungunya. does that not cover in-patient for multiple broken/fractured bones due to accident? |
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MUM
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Nov 21 2019, 10:03 PM
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QUOTE(Gaza @ Nov 21 2019, 04:34 PM) Hi, for ILP i heard next year BNM rules change and agent can only show 2% & 5% return/policy sustainability projection instead of 3% & 8% currently. Will this cause premiums to increase? What You Need To Know About The New Regulations On Investment-Linked Insurance https://ringgitplus.com/en/blog/Insurance/W...-Insurance.html |
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MUM
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Dec 26 2019, 07:33 PM
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QUOTE(Zyi @ Dec 26 2019, 07:27 PM) Hey guys, does outpatient ultrasound scan - covered in AIA MedPlus package? is it for investigatory purposes? A-Plus MEd exclusion..... https://www.aia.com.my/content/dam/my/en/do.../A-Plus_Med.pdfThis post has been edited by MUM: Dec 26 2019, 07:33 PM |
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MUM
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Dec 26 2019, 07:58 PM
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QUOTE(Zyi @ Dec 26 2019, 07:41 PM) Yes, for investigatory purpose. So the old MedPlus is now A-Plus Med? no idea abt insurance stuff. sorry, cannot help much. just hopefully some insurance Sifus happens to lurk by and response to your query... in the mean time, what did your agent said about that ultrasound claims? |
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MUM
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Jan 6 2020, 03:51 PM
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QUOTE(apalexar @ Jan 6 2020, 03:47 PM) Seems like many ppl get scam by AIA telemarketers recently or perhaps since years ago, bank money get deducted without even agree to buy the policy No offense but now I feel like AIA is the worst one (lack of customers) since they need to perform such market strategy.. read in a thread previously....telemarketers conversation with customers are recorded....if the customers feels he is billed for something that he did not agreed to buy....he can always seek back the money..... |
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MUM
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Jan 6 2020, 04:17 PM
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QUOTE(apalexar @ Jan 6 2020, 04:15 PM) Normally how long is the free-look period?  I do hope that the refund is under processing or else AIA KL office is going to get some troubles  according to this.... Free Look You may cancel your life insurance policy by returning it to your insurance company within 15 days after receiving the policy documents. The premium that you have paid will be refunded to you. http://www.insuranceinfo.com.my/choose_you...intPrefLangID=1 |
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MUM
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Jan 6 2020, 05:12 PM
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QUOTE(apalexar @ Jan 6 2020, 05:05 PM) Weird eh.. how come policy can generated with phone call and without signature but cannot do cancellation and refund use back phone call? If so this country is sick leh while pondering if this country is sick or not, read 16... 16. Can I cancel or surrender my policy? Yes, you have the option to cancel or surrender your policy. We will refund the premium based on the table below, provided that no claims have been made during the current policy year... https://www.aia.com.my/en/our-products/onli...r-plan/faq.htmlit has a table showing the refundable % for every month of cancellation delay..... hope you can tell your friend's GF to act (in the correct route) soonest....for her plan "may" have conditions like that too. This post has been edited by MUM: Jan 6 2020, 05:20 PM |
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MUM
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Jan 6 2020, 05:40 PM
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QUOTE(apalexar @ Jan 6 2020, 05:38 PM) Like I mentioned in earlier thread, they already made call to AIA CA and request for refund+cancellation earlier.  Assume that they never receive any policy (I assume no way to track it since no signature confirmation and malaysia's slow deliveryas always), thus there should be always full % in refund good luck. and do keep us updated on this . |
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MUM
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Jan 6 2020, 08:52 PM
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QUOTE(apalexar @ Jan 6 2020, 08:31 PM) Sure, if he updates me later  But still this telemarketing stuff surely affect AIA reputation, it's just like my friend tell me about his case and said never ever buy from AIA → I help him spread again the news → others help spread it etc.. the advise is always say "NO" thank you. then no issue already. |
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MUM
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Jan 6 2020, 09:15 PM
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QUOTE(apalexar @ Jan 6 2020, 09:07 PM) That's what I advised to him too  Now whenever heard AIA, the answer will be "NO". then say YES to other things called up by the telemarketers?  |
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MUM
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Jan 6 2020, 09:29 PM
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QUOTE(apalexar @ Jan 6 2020, 09:23 PM) It will be depends on what is needed then  But so far until now I only say "NO" to all those telemarketers reached me Good advice... Spread this advise to Yr friends their friends too. |
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MUM
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Jan 6 2020, 09:50 PM
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QUOTE(apalexar @ Jan 6 2020, 09:47 PM) Spreading so no worries hopefully one less sucker are will be "saved" from your spreading. |
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MUM
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Jan 6 2020, 11:03 PM
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QUOTE(apalexar @ Jan 6 2020, 10:55 PM) https://m.facebook.com/AIAMalaysia/posts_to_page/Also, must say that AIA has the “guts” to allow public post what's their problem with AIA  for educational purposes....or they know they have nothing to fear or they know that the customer if not happy and think that they are not at fault can always complaint to the PIAM INFORMATION CENTRE (PIC) & OMBUDSMAN FOR FINANCIAL SERVICES (OFS) |
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MUM
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Jan 6 2020, 11:16 PM
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QUOTE(apalexar @ Jan 6 2020, 11:12 PM) Or let ppl know how bad they're or to let people know how many suckers are falling into the pits...like every few weeks can read in the news people still falling for the parcel or love scams or money games operators. |
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MUM
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Jan 6 2020, 11:29 PM
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QUOTE(apalexar @ Jan 6 2020, 11:21 PM) Agreed, that's why telemarketers = scammers, same job scope with different titleQUOTE(apalexar @ Jan 6 2020, 09:23 PM) It will be depends on what is needed then But so far until now I only say "NO" to all those telemarketers reached me good nite and good bye..... |
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