You don't take investment-linked insurance plan (ILP) as an actual "investment". The actual benefit of ILP is to handle future increment of insurance charges thus see what I posted before this.

What sort of insurance can I and should get if I am a 23 year old Male non-smoker, with a premium of maybe around RM200-250 per month? It was mentioned to cover a medical card first and then life and critical illness?

Yup my workplace does provide insurance, it is by AIA.
Its AIA Plan 150 and has personal accident plus term life. Term Life covers about RM100k and Personal Accident about RM150k. However if I am not mistaken it only actively covers when it occurs during 'work hours'.

I do not ride a bike, I drive a car to work. No known critical illness history in my family, be it father or mother side.

My job is a consultant.

.......

thanks for the data.....my neighbour made a query.....
can confirm the maths?

if the true variance is just 20k.....then the ILP is not as 'untung" as stand alone????

Any prudential insurance agent here? This is the package my wife sign up to insure my kid from birth. Is it too much? I'm paying RM188 per month.
....

Dear sifus, my Prudential agent introduced me a cash value life insurance plan called Pru-wealth. Is it a better plan compared to a conventional term life insurance plan? Any other insurance company selling similar product?  

Thank you,
Rain

Hi my colleague would like to increase her Life Cover protection. Any good plans out there to recommend?

Thank you.

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?

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.

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

Here got any AIA sifus?

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

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

Premium is 2800 per annual.

Appreciate all your valuable advice.

Lets say i dont wanna buy ILP insurance ... just wanna buy term medical card ...
the logic is lets say 18years old premium is 1k, as it increase with age, 30 years old mayb around 2k, 40 years old 3-4k , 50-60 years old 4-5k and so on.

Can I say that actually the myth of buy insurance when you're young (cheaper) is misleading ? Since that no matter when you buy, the price structure is there. The only thing buy younger is to cover any illness that happen when youre young.

Lets say a person A have this disease at age 40, whats the different if that person bought the medical card ;
1) When he/she around 18years old
2) when he/she around 38years old
3) When he/she around 42 years old

Can this be summarized that option 3 not a good option coz insurance will no longer cover the "existing disease", whereas option 2 is the best here ? option 1 is covered but based on this scenario is bought when too young ? am i rite ?

so the logic behind this is correct rite ?
i just give example ..

1) Buy at age 18
2) Buy at age 40
3) Buy at age 60

That person had disease at age 50... Which buy age is the best "BASED ON SCENARIO" above.. i just wanna have a clear view of this scenario if my understanding is correct.

At this moment, I have company group insurance coverage also AIA. The medical protection I'm looking at is after my retirement. So my prediction that for the first 20+ years, I should not be worrying too much on medical bills. My personal medical card should only be kick-in after my retirement or when the group medical card limit is not enough to cover.

and based on some research, there's some insurance company that sell term insurance without the guaranteed renewal am i rite ?
so in order to buy term insurance, must buy those that guaranteed renewal.

based on this link

https://www.ibanding.com/best-medical-card-in-malaysia/

I'm 27 years old currently with a job paying 3.6k before deductions. my first job and just started working since Nov 2017

planning to get myself an insurance soon but not sure where to start

was approach by some Great Eastern agent previously and got offered medical + life combo for RM200 and 250  however I'm not sure if I should pay so much?

any sifu here pls advice

Thanks. Do you know which insurance company provide this today ? GE ? Prudential ?

.......
Ya, besides medical insurance for the elderly, I was looking at it from the angle of in case critical illness happens to them. If my parents, touch wood, if they had critical illness, myself and siblings can't afford to pay few hundred Ks for surgeries, etc.. So I'm thinking would buying a life insurance for them now help to address that?

I’m 38 years old, non smoking.

Looking for AIA medical insurance with
1. CI, RM50k (this is a top up only as I already have RM150k from another policy)
2. Room and board 200
3. Waiver of premium

May I know how much is the premium?

If add on hospital income, how much is the additional premium?

Thank you?