The agent introduced me this plan to substitute my house MRTA ( expired in 2 years time).

Is there any medical card + critical illness + life insurance all in one plan?

I don't have any personal insurance yet. Planning to get 1.

Thanks in advance

May i ask for AIA A-Enrich Gold is we can get the money guaranteed for the next 20 years? My agent quotes me by paying  RM3700++ per month for the next 6 years, i will get RM5000 guaranteed for every 2 years and the amount increases after 10 years. Is it worth than place FD since i am not a ppl who knows how to invest?

Actually RM5000(every 2 years) is for 10years, afterwards is RM8000 every year and RM12000 year 15. There are the guaranteed part and the non-guarantee (fund). But based on all the response here since like this is not a good deal...Thanks for all the opinion!

Btw any medical card plan is suitable for adults aged 59 and 61? Looking to get one for my parents and not so expensive for the monthly fees (within RM400 - RM600)...

Actually RM5000(every 2 years) is for 10years, afterwards is RM8000 every year and RM12000 year 15. There are the guaranteed part and the non-guarantee (fund). But based on all the response here since like this is not a good deal...Thanks for all the opinion!

Btw any medical card plan is suitable for adults aged 59 and 61? Looking to get one for my parents and not so expensive for the monthly fees (within RM400 - RM600)...

Hi, just wondering if there's a kind of insurance that covers travelling for work for my uncle. Driving from perak to jb twice a month and flight to East Malaysia once a month. Age around 50. Mainly to cover for medical and accident (loss of income, because got 4 kids still in secondary school + university) *touch wood*
Budget below rm500 per month but can be adjusted.

Thanks for the responses. He works as a mobile accessories distributor in charge of the Southern and Eastern Malaysia market hence will have to meet clients around the area. Driving his own personal sedan(not those lorry/van/company car)

Is critical illness insurance considered as medical insurance or life insurance for the purpose of income tax claim?

As far as I'm aware, it will be considered under the medical portion. Unless GE treats it differently as noted by honeydewboy.

When in doubt, you can request the statement from your agent or extract it from your customer portal, it will show you how much of your premium goes to life and medical.

Best,
Jiansheng

Allianz saverplus ok? pay 3 year get 20 year return + coverage

Hi  if age 57, male no smoking , no disease no diabetics what is the minimum rate for medical card?  Possible to buy until age 80 and above? Or it will be very costly?

Hmm,
Max budget for purely medicine card insurance .. any idea which insurance company I should buy ? ?

how we can know the COI is enough to cover future insurance cost for how long? Lets said I stop paying the insurance at age of 65 (retired).

Oh.. so there is no whole life medical card la.

Need insuran suggestion for my 8months baby, currently with alianz 195 per month. I feel not worth it compared to my etiqa benefits.
Should i change?
Current cover 80k a year, no limit lifetime
Room only 150 which i think not enough
Also the saving/investment is not transparent enough

Hi everyone,

I have quoted by AIA insurance agent with below quotation. Do you think this is a good medical plan? My concern is about the premium cost and sustainability.

At what stage we should consider to top-up the premium?

Age:37, non-smoker, Female, Class1.

R&B: 200
Life: 100K
TPD:100K
CI: 50K
Premium waiver
with Deductible 300
Annual limit: 1.5M
Lifetime: No limit

Sustainability is range between 61 - 64 yo based on projected X & Y.

Premium is 2800 per annual.

Appreciate all your valuable advice.

any guaranteed renewal stand alone medical card to introduce ?

Smart Medic Xtra Great Eastern
A-Med Regular - AIA

Medical repricing is always on-going, it's just matter of when it will be pushed to the policy holders. If the insurance company is willing to subsidies the cost then the price will sustain for awhile before it becomes "unfavourable" to the shareholders then they will eventually push it to the policy holder.

Unless there is a reduction in medical cost / equipment / medical research / pharmaceutical / corporate shareholder interest / economy. Insurance company will need to continue to innovate their insurance plan offer / expand their investment horizon.

OK i need some answer again.

Scenario 1 Example:
Your monthly IPL is RM400, annual sum up to be RM4800.
Your annual standalone for is RM2,000(Will increase as we age, but the logic should be applied to IPL too)

Current Medic cost is RM2000.

Calculation is:
IPL since u already paid RM4800. RM4800 - RM2000(actual medic price) = RM2800 extra to so called investment
After 5 years you accumulate RM2800*5 = RM14000.
Standalone = RM2000 for 5 years = RM10000. NO extra cash no cash value etc.
Now let me know, why do agent always say standalone increase, whereas the actual scenario, both is the same ? The increase do applied to IPL as well. Just IPL you already paid MORE earlier to so called investment. So there's extra there to offset the increase. Am i rite ?