Hi walau111. For both also can get "Higher of BSA". Only thing is Accidental cases it will pay out even from the beginning of the policy. Non-accidental only pays out "Higher of BSA" from 3rd year policy onwards.

Hi jack2, this happened to your latest premium payment? For the previous premium payment, you use Jompay too?

I believe holocene can handle your case.

HI Shirley14, perhaps you can talk and raise up your concerns to an agent so agent can recommend accordingly.

Hi renee78, some companies old medical card charges are adjusted as well.

Hi Sanj11, still in time to apply for latest medical plan from insurance companies. Most latest medical cards cover until age 80 to age 99 (depends on your needs). So long apply asap before 70, if budget and health condition allow, take the 1million annual limit card will be good enough.

Hi mikhaC, medical insurance in malaysia maximum entry age is 70. So you have to use other ways to come out with medical emergency fund in this case since medical insurance isnt an available option anymore

hi Mike.WBC, getting a standalone medical card is okay provided you have enough funds prepare to pay the premium during retirement period (60 to 80 years old). if you were to get the card as a rider in an ILP, it will cost at least RM265/month with RM1mil annual limit with no lifetime limit (up until age 80). So yea, there is no right or wrong. only a plan that you think suits you the most.

hi mnt_lim, which agent is the one informing you that the loading cannot be remove? the agent that sold you that old policy or the new agent that you purchase from?

This post has been edited by ckdenion: Nov 11 2019, 11:00 PM

Before the agents conclude that, did they try to submit the letter to appeal for loading removal? I cant comment much since you already proceed with a new policy. In my opinion, best is to submit a letter and let company decide and reply. Anyway, i think its better you ignore since you have settled with the new policy.

Btw you have any idea whats the name of your ILP plan (the one that new agent mentioned cannot upgrade)?

Hi Rigerz, I'd done personal accident claim before for my friends. before that, what is the medical card that you are having now?

hi RigerZ, don't worry it covers in-patient due to accident causes.

hi mnt_lim, really apologize for the treatment that you got. loading can be taken off as i have a friend taking SPE2 previously. of course it is a trouble for non-servicing agent to do that for you because of the unavailability to access your policy (unless you transfer your policy to a new agent that is willing to help). so to make things simple, the non-servicing agent might as well ask you to purchase a new policy (SPE3).

hi CassMei, what is the regulation mentioned by the agent? very hard to identify for 'warning signs'. trust your own instinct when you have conversation with them. for young/new agent, it all depends on whether you want to give them the opportunity to improve and see them succeed or not.

hi CassMei, if i were to compare just the one you shown above, i will take AIA. Mainly because as of now most companies don't run on "annual limit booster/extender" medical card. as of now, of course there a still a few that use "annual limit booster/extender" on medical card - GE, HLA, AXA (nothing wrong with that just that some customers will feel worried how it works). I'm expecting GE to come out with their new medical card last year or latest also by this year but no idea why the company still doesnt do so (their current card is since 2014 already). Leading ones are Prudential, AIA, Manulife and Allianz.

hi tometoto, this is from zurich? I'd never deal with Zurich so far. as of now most customer service are okay in my opinion.

Yes, it's cover for treatment as well.

hi Aurora, perhaps you can consider increasing the CI amount in your life+ CI + Medical Card plan. try to compare and see by doing so is it more cost effective than buying direct.

This post has been edited by ckdenion: Nov 19 2019, 01:28 AM

Hi Aurora, perhaps you can share what is the amount of CI coverage you are looking for? And only needed for the coming 15 years?
Mind sharing your age/gender/occupation/smoker or not smoker? See whether buying a 100% allocation plan will suit your needs or not?

Hi Cyberbullies, HLA does have medical plan that covers till 100 (or maybe 99). So yea dont worry about that.

ic. now i get a better picture. in this case based on the 2 that you shortlisted, AIA will be cheaper (cost a total of RM9,580 (today's value) over 15 years) compared to GE (cost a total of RM11,478 (today's value) over 15 years). Will recommend you to take the AIA 200k CI Cover.

For your case, getting the critical illness coverage is more suitable compared to getting specific CI cover eg: cancer only.

It is stated in the contract document but like you said, maybe it's too "not layman" so it's not easily understandable. Anyway, hope you got your question answered.

It will not be difficult to claim. If there's any hiccups during the claim process, just let me know. I can assist you on that.

hi Gaza. Yes it will probably cause premium to increase due to lower cash value projection. that's also why from 1st July 2019 onwards, the asset allocation increased to 60% (this actually benefits policyowners). Likely this asset allocation will increase again. as of now Manulife has 2 ILP plans which have 100% asset allocation.

hi Gaza, how long do you want the plan to cover till? if it is till 60 years old, the Allianz plan will suit you the most because others companies must sustain till at least 70 years old. Unless you need something shorter term (20 years), then you can look for GE SmartProtect Wealth 20.

hi Whit, for medical insurance, will recommend you to get one standalone term medical insurance in SG even though having one in Malaysia. btw where are you residing in Malaysia?

This post has been edited by ckdenion: Nov 22 2019, 06:24 PM

Hi tometoto, AXA claims are okay. So long the correct claims document are completed, insurance companies will release claims.

thanks for pointing that out MNet!

hi jusTinMM, to be exact, it is included. the only thing is if the outpatient treatment is done after the allowable period after the hospital confinement, then everything is on your own already. outpatient cancer treatment and kidney dialysis are quite common for most insurance companies (others one are not limited to the days after hospital confinement)

hi ChancellorBean, you can actually approach any agent other than AIA agent to look into your policy. Agents will understand the terms and benefits so yea. Do you have any friends that is an agent? can try to ask.

hi TheRedDevil, can't really comment much without discussion and knowing much about you. a simple way is perhaps you determine how much is your monthly household + dependents expenses. then assuming with that 1 million paid out, how long can it support that family expenses? from here you decide whether 1million is sufficient or not. also what about kids education fund and loans? so long agent has discussed this with you then you are good to go

hi mnt_lim, in fact the new plan you got (SPE3) is more beneficial to you due to higher asset allocation (higher cash value compared to the old plan. so yea dont worry about your decision on getting the new plan. somemore no loading already compared to the old one.

hi mitkey06, the only chance is to get Great Love4U (term life insurance) from Great Eastern. It's a guaranteed issuance plan irregardless of any condition.

This post has been edited by ckdenion: Nov 30 2019, 12:46 AM

hi mikhaC, when is the first transaction done? there is a chance to claim back that 1 month premium if it is a newly bought policy and since the policy contract document is not receive, tell them you do not agree since you do not know anything about it and haven't agree on the terms in the policy contract (since yet to receive). did you receive any telemarketer from AIA (or bank eg: Public, Citi etc.) lately?

hi blibala, since the cyst was known before the policy was bought, then yes it is best to declare it to avoid non-disclosure issue during future claims.

Morning mikhaC, yes there is this possibility whereby the wrong number is used. You ask AIA and see whether they release an official letter to state that there is no policy details of you. At least with that supporting statement letter, you can ask bank to not approve any autodebit transaction to AIA. What's AIA reply to you when you ask for refund?

hi spreeeee. highly unlikely because it is not a valid reason for admission. Company will decline as well if the admission is not valid and if things can be done without admission.

hi tonytyk, the only latest medical rider that can be attached to your Prulink is the PruValue Med. It covers up to 100 years old, no co-ins but comes with RM300 deductible.

hi tony, you can look for the new PruMillion Med. you have to apply for the new ILP PruWith You to get this new medical card rider.

hi cococonutseller, im not familiar with GI, i guess it is not being con so dont worry about it. any other quote you got from other company asides from BerjayaSompo?

hi tonytyk, AFAIK yea you have to forgo your existing one and buy the newly released ILP PruWith You to be able to get the new PruMillion Med medical rider. Unless you received some upgrade offer to PruMillion Med which I think they don't if not mistaken. To state the fact, insurance companies also want new business, thats how they get new business. of course also the prulink you have is kinda old and the plan structure doesnt follow the new BNM ILP guideline. I think it is good to get the new PruMillion Med, getting the new ILP is not that bad also because of the higher premium allocation rate.