Hi, found medisavers insurance that provide high coverage. Issit safe and valid company since MXM is a mlm company? Even the medisavers insurance itself follows mlm scheme?

You can bring your case to OFS (Ombudsman for Financial Services)

Their services are free and they will help you make sense of it before proceeding to a lawsuit.

You may get them here: http://www.ofs.org.my/en/


With that said, I feel it is better for you to engage your agent first.
This kind of matter, my agency secretary also can kaodim actually.

the agent feedback is inline with the insurance company.

so, next time i buy insurance dont go agent.

agent ca go fly kite d.

i submited to bank negara d.

bank negara email to insurance company and asking insurance company to justify their "reasonable defination"

Don’t Lidis lah.

Many other good and efficient agents out there... like me.

Well I hope the outcome is in your favor!
And would appreciate it if you could share the outcome with us so all of us could learn from it.

okok

anyone here can suggest insurance package for baby?

Required:
Medical
Hospitalisation
Life and PA

If you read back to your policy book

You can do online transfer via mbb or pbb

Safe since its underwritten by an insurance company, just run by mlm company

Budget 200 to 250 should be okay

perhaps you can provide more info on what you need

I have a question.
Recently my application for mrta was rejected due to medical reason. I declared the condition during medical checkup for the mrta. The thing is I found out about it few years back and few specialist that I went to said it's not life threatening and I don't even to do anything about it.
If I apply for new policy in future, will it be rejected due to this reason to ?

thanks

Hi..mind to share the exact diagnosis/condition? If you dont mind of course. It would help a lot.
And insurance companies share information using LIAM database. They would know..and depending on your exact condition/your appeal/new medical evidence provided; the final underwriting decision might differ.

Depends on the severity, I don’t know what illness you have, probably will need to see what can still be salvaged from ur condition after looking at ur documents

Zurich Takaful has increased my son's annual premium for medica2015 M250 plan from rm980 to rm1891 for 2019, which just doesn't make f8888ing sense. It's more than 100%.

Anyways, am looking for others takaful companies now, any recommendations?

tqvm

why is it increase by so much?

for my case,....both my sons insurance bought since age 1, had their insurance premium reduced by about 40% when they reached age 6 or 7....if I am not mistaken...

I'm totally new with these insurance stuff, so I have a few questions to ask.

I'm planning to get a medical card. Is medical card the same as hospitalization?

Should I get a standalone medical card? It does seem cheaper compared to investment-linked medical card. What is the main difference other than the cost to pay per year?

Btw, which insurance provider would you recommend for me to go for?

Thanks!

Yes medical care is for hospitalization usage which you can claim if you got hospitalized

Benefit of taking an investment link over standalone in the long term is the hassle free to manage your insurance in the long term. Insurance is meant to take long term anyway, not just a period of 1 year or 2

Hi , I am a young working adult, just started working < 1year.

Company do provide an AIA corporate medical card, but I am not sure on the full coverage. E.g accidents, critical illnesses, etc.

I am not sure if the plan is a general plan, or do I need to top up myself? If I do, can I claim for both if I have overlapping insurances?

Company insurance is normally dependent on what the director bought for their staffs, sometimes it's just a minimal amount of insurance, other times it could be more than enough. But chances are if you're a low - mid level executive, your coverage will not be enough if you're just depending on your company insurance alone.

You may ask for your HR to reveal your grade coverage within the company.

For medical (hospitalization) you can't claim from both side unless it's been fully utilized, example would be if your company only covers 30k for insurance and you need to claim 50k, you can claim the 30k with your company's insurance and the 20k balance with your personal insurance.

However, you can make claim from both your company and personal insurance if it's a death, disability or critical illness

I see, as I am still at my teens, Would it be advisable to purchase, a PA plan, a medical card and critical illnless coverage with term insurance?

that depends on your budget, basic coverage should get medical first before others