First of all thanks for the clarification. Many jargon are being used in the reply thus I am asking question instead of taking things out of context just to prove my point. I re read my post and there isn't any.

Now I finally get the picture as a whole on what is the word "sustainability" that can affecting a life policy.

the question of 3100 vs 1500, however, I still cant figure it out based on the scenario you given. Isn't the 3100 is fixed? Why there is 1500? Where did this number come from? And I think people choose sustainability option is because they don't want the policy to drag that long? thus the point to continue the policy isn't there? If one need the policy to be life, its a no brainer to take it up to 100 y.o with a fixed premium thru out the policy years?

For ILP, if one doesn't mind to pay premium up to the chosen sustainability year, is the cash value in the account will still accumulate instead of the common "pay 10 year get 20 years" thing? As all this is actually taking the cash from what you contributed? Many people I think they miss this. And many agent doesn't even bother to explain this.

And regarding investment link, I myself faced the problem once. Still remember the 07/08 crisis? Yea, during that time my education policy is still running. They sent a letter to my parent mentioned that crisis cause their fund performance drop and expected the dividend to be low. That time my parent wasn't know how the thing is going behind the scene, they have no knowledge of investment and insurance. NAV, total return, dividend all are very bombastic thing to them. They don't know that NAV is actually more important then dividend pay-out as dividend is nothing when in unit trust, or something that fluctuate. Thus, the NAV drop, partial of the premium paid were gone due to bad market and over 20 years, we got exactly the same amount how much premium we paid with extra around 1000 MYR? Isn't that sound really bad to you guys? We earn nothing besides the saving. But the agent that time inform nothing, said nothing. I asked my parent and only got to know the agent they met is part timer..... And the fund they invest in is sort of stable fund? The return shall around 4-6% p.a. I don't know what is actually happening but this got struck me a lot.

And the point you had that regarding commission..... Majority I got the feedback is this, actually. How many out there are really committed to their job and being honest?

I really appreciated all the input you guys made. 

Thanks!

the question of 3100 vs 1500, however, I still cant figure it out based on the scenario you given. Isn't the 3100 is fixed? Why there is 1500? Where did this number come from? And I think people choose sustainability option is because they don't want the policy to drag that long? thus the point to continue the policy isn't there? If one need the policy to be life, its a no brainer to take it up to 100 y.o with a fixed premium thru out the policy years?

For ILP, if one doesn't mind to pay premium up to the chosen sustainability year, is the cash value in the account will still accumulate instead of the common "pay 10 year get 20 years" thing? As all this is actually taking the cash from what you contributed? Many people I think they miss this. And many agent doesn't even bother to explain this.

And regarding investment link, I myself faced the problem once. Still remember the 07/08 crisis? Yea, during that time my education policy is still running. They sent a letter to my parent mentioned that crisis cause their fund performance drop and expected the dividend to be low. That time my parent wasn't know how the thing is going behind the scene, they have no knowledge of investment and insurance. NAV, total return, dividend all are very bombastic thing to them. They don't know that NAV is actually more important then dividend pay-out as dividend is nothing when in unit trust, or something that fluctuate. Thus, the NAV drop, partial of the premium paid were gone due to bad market and over 20 years, we got exactly the same amount how much premium we paid with extra around 1000 MYR? Isn't that sound really bad to you guys? We earn nothing besides the saving. But the agent that time inform nothing, said nothing. I asked my parent and only got to know the agent they met is part timer..... And the fund they invest in is sort of stable fund? The return shall around 4-6% p.a. I don't know what is actually happening but this got struck me a lot.

And the point you had that regarding commission..... Majority I got the feedback is this, actually. How many out there are really committed to their job and being honest?

Hi guys, want to ask if my son was diagnostic got influence A, can we claim back the medical
Bill ? My son are not warded. Just visit kid specialist clinic.

We are having great eastern smart medic medical card.

Hi would love to get the forummers advice here
My mom has taken prudential flexi med for me for quite sometime. Do you think its a good idea to replace the insurance? Ive been checked that AIA A Life Link 2 is quite good. Prudential montly is Rm300+ while AIA is RM200+

My point is that is ILP the new trend nowadays? Because every insurance agency promoting ILP life no tomorrow. I have no objection on what the promote. What I don't like is that most of them don't bother to explain clearly on the T and C...

Is non-ILP have cash value too? Agent told me no. I doubt.

Honestly speaking, what do you think the offer from etiqa person?

just checking with you.......last week I had a brief encounter with my friend.....
he mentioned that his son was admitted to a hospital and had a surgery........
it was something like pancreas covering the liver (sort of like that).....
he mentioned that it was a "heaven born" (Chinese translation)...natural occurrence....
thus his insurance does not cover that "heaven born".....

is it true that natural occurance are not covered by insurances?

just for discussion sake....
this pre existing thing......
does it has a duration before it is NOT classified as pre existing?

example....if his son is 1 yrs old, 15 yrs old or 25 yrs old....... does age matters? any different?

example....at what age will then, having cancer.....will not be classified as pre existing? thus covered by insurance?

OK on this pre-existing illness thing, I have a few questions.

1. If I have a slipped disc and I declared it at the time of proposal, it's still on going without much going on, how would my policy be underwritten?

2. So later during the coverage period I need medical attention, is this covered?

3. Say you have a different slipped disc later in life during coverage, this doesn't count as pre-existing illness yes? They are not the same disc!

My friend make a claim with supporting submitted.

The insurance company said some of the billing is unreasonable so they deduct here and there from the total billing

From 16,722  reduce to 12,583.00

The policy did highlighted reasonable but  this open for insurance company self define

Where can I go for this?

Thank you

Thank you.

Have you done the above? What was the outcome?

Should I  Viral this insurance company for try to undercut me? I dont mind at the end not getting that 25% balance. My intention is just to teach them a lesson.

may i ask, for life insurance

if i miss out to declare some pre existing condition, eg, some major operation done more than 30 years ago, will my death claim still be valid if my policy had pass contestability period

Hi, can I upgrade my insurance coverage to overseas?

is there anything i can do now?
also, anywhere i can read more about incontestability period? google result not really helpful.

Hi, can AIA agents here advise when is the Online Payment gonna be fixed? Tried for the past few days & disappointed to see it's down for maintenance

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?

anyone here can suggest insurance package for baby?

Required:
Medical
Hospitalisation
Life and PA

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

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!

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?

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?

hmm, im interested with the other benefits under investment-linked policy. May i know what are some of the benefits?

Hi guys, I don’t understand why ILP is better....majority of the fund returns is actually average 4-5%. If based on average 4-5% return, high possibility that the fund will be empty by age 70, some by 65. After that you have to pay for high COI for your life insurance + medical card. For life insurance of 100k the COI could be 3k and medical card is around 5k. At the end you would be paying more than standalone medical card because of the additional life insurance cost. Is my assumption correct?

Plus you have no choice but to continue paying higher premium for life in order to keep the medical card alive, kinda like a trap...?

Actually most ILP plan won’t be able to last until 80....fund returns supposed to be one of the selling point of ILP right..

actually it's gallstones. Was detected during medical checkup few years back. During annual checkup, the size didn't grow and based on the specialist assessment it's not that serious, and recommend to just leave it. 2 other specialist that i went to also gave the same recommendation.
I declare it during the medical checkup for my mrta, and when i checked with the insurer the reason given was untreated gallstones. Now i'm left with a home loan without mrta.

So will it actually impact any future policies that i will take up ?

thanks

Hi, Is Critical illness important?

A GE agent quoted me a Life Insurance with a rider for CI, which costs ~90 per month extra.
As far as I understand, CI only pays out when the illness is at advance stage, and for GE, CI is part of the Life's SA.
Isit worthwhile to pay RM90 extra per month just for that 'early payout'? As IMO, when your illness is at advance stage, the survival rate is also relatively low..