It’s depends on you age, occupation, male or female, smoker or non smoker.

But if you are 30 below, usually it’s around 200-300 can get already

hi all sifu sifu,

how much a medical card cost (per annual) for a 38 years old male, and 2 years old child (female)?
Assuming annual limit of either 200k / 300k for each of them.

only medical card, not ILP kind of plan.

thanks!

about 1300/yr for 38 male
about 1400/yr for 2 female

lifetime limit? is it 3x annual limit ?

no life time limit, annual limit can extand to 1m - 2m

1. 38 y.o male - 1.1k to 1.3k (depending on job and smoke or not)
2. 2 y.o female - 700 to 1k

Both of it has around 1m medical limit and can be renew every year.

Ok then. Welcome respective agent PM to quote accordingly. Tq

AIA A-Life Signature Beyond
Allianz PremierLink
Great Eastern Smart Legacy
Prudential PRUWealth

Why there is very few discussion on Takaful Malaysia? Checking their website, their basic plan for TPD/Death with RM500k coverage is priced at RM80/month only. Any bad feedback/review on their services?

have you check also, is that amount of premium paid is for a PA sort of insurance?

They have separate plan for PA. This plan is for Death/TPD, and can be customized to include critical illness if the applicant wishes.

Refer to link below, can try get quotation and seems like can straight away apply. A bit weird as application usually will require proper medical check up right?

https://online.takaful-malaysia.com.my/term-myClickTerm

so this RM80/month only premium is for death / Total and Permanent Disability (TPD) only? then if want to add in other coverage it will be more then.

yes,...normally for critical illness plan after a certain age and value....they needs medical assessment to determine eligibility
but mentioned in their FAQs
Pre-existing illness __Not covered

TERMINATION OF THIS ANNEXURE
The coverage under this Annexure shall automatically terminate upon occurrence of any of the following:
(f) when there is fraud or misrepresentation of material fact during application.

EXCLUSIONS
We will not be liable to pay any benefit under this Annexure for Critical Illness resulting directly or indirectly from any of the following causes:
4.1 Critical Illness which has existed at the Effective Date .....
https://online.takaful-malaysia.com.my/Docu...e%20Wording.pdf



This post has been edited by yklooi: Jun 2 2019, 11:43 AM

Yes, I haven't tried adding up coverage for CI. But I am pretty sure that for a plan only covering TPD/Death, this is already considerably cheaper than most other insurance out there. Its just that they do not have many agents to promote it. I guess this is why they are cheaper, lower operating cost. I was wondering about their stability as a company, but I think they are hardly a newcomer in the industry.

Should be common for insurance not to fully cover for predetermined illness correct? Or if they do, the premium will be increased quite significantly. I guess this plan is suitable is for those that really2 young and healthy, but lower on budget

is it recommend to buy medical insurance online?

Personal preference, having a reliable agent to provide you the right advise and service is important I'd say, but I won't be going with sub-par agents who are fly-by night.

sub-par agents who are fly-by night
I dont get it sir

It means agents that are in the business only for a short while, they consider the insurance industry as just a part-time-job. In realities, it takes years to understand the intricacies of any industry, including insurance.

Can anyone recommend medical insurance for newborn? Please share the monthly cost and benefits. Thanks in adv

Hi. You just want stand-alone medical card or invested link? How old is the payer and occupation?

Investment link, payer is IT manager and 41 years old

I have just checked online medical card Rm50++/m for RM100K limit peryear. pretty cheap bcoz no com is payout. But purchase through agent you can get RM1-2M per year just extra 600/year.

Before u proceed with online, just to make sure u know how the claim, the reimbursement process and it's guaranteed renewable?