Can submit with all information given and see how company feedback.
If lucky they might accept without kidney coverage.

To be honest .. challenging. But better than zero hope.

Need coverage info to analyst.

I believe all 3 are medical card ILP right?

Base on your income compare with insurance coverage .. under cover.

For medical fees shd be fine.
You need to plan more on life/TPD and CI

Life/TPD can work as protection or "extra saving" depending how the agent design

CI coverage important for now because both of you making money to sustain the family. Especially when fall in illness and still need to pay bill & .... makan

Preparing GMX & SPE3 for you.
GE GMX is stand alone
GE SPE3 is ILP
just to compare

You need to keep exiting medical policy at least 4 months. Better to be 6 - 12 months if affordable or enough cash value to sustain.

Usually up to 120 days for new medical policy to fully cover.

surrender or not need evaluation. some old life policy worth to keep.

Just walk in to AIA customer service center.

With MYKAD can check any policy under that owner. Then she can decide what to do.
AIA CS quite helpful. I walk in with friends before.

https://www.aia.com.my/en/help-support/locate-us.html

I'll suggest walk in. Easy settle.
Check the nearest branch will do.

Guess is the corporation work between the bank and the insurance company...

Anyhow I can't answer you this part. Because I have to bring my own registered iPad meet client to sign policy.

Depend you are asking for exiting patient or just in case future need.

In normal situation patient can't get new medical card cover if stroke (serious stroke) / diabetes.
Hypertension still acceptable by underwriting. Company will ask for check up and loading charge apply.

If your medical card no review for more than 2 years. Then better ask your agent to review your policy and confirm the coverage you concern above.
Some old policy got lifetime limit for kidney / cancer outpatient. RM300K , RM500K per lifetime limit etc.

Happy weekend

I see. If you look for critical illness coverage that's a lump sum for you base on your budget sum assured.

This for you to survive when you hit by serious CI and can't continue to work. But still need to pay bills and live.

Better check with your agent see what options can offer.
Usually focus on CI coverage amount and check the early care / early claim details needed or not.

Good day SwarmTroll

Looking for medical plan or Life/TPD coverage?
Assuming medical plan in this age and haven't pass 24th birthday.

For ILP medical quite challenge with this budget.
For Stand along medical shd be easily get in few hundred RM annual.

Acceptable . But very costly.
Monthly premium depending product type & sum assured.

Medical checkup is a must.

If really get it .. kindly check the quotation illustration table in detail.

Halo friend,

Everyone got own "best" definition.

It is better you share a little bit more info such age of family members.
Monthly budget and what's your priority concern.

You may use PM if don't want to disclose here.

Why not you consult another agent to review both of your policy for confirmation?

Another option is visit the company service center.

depending what product and how close you with them and how open minded your parents.

standard plan maximum entry age from 55 - 65 NBD. Limited option accept age 65-70 NBD. and really sky high the cost.

anyhow, sometime insurance company will run some campaign product which you can consider to have something once they left. At least no burden for the funeral cost.

such as Great Cherish 80 & GreatLove4U by GE last year.

after discussion among sibling, we sign GC80 for my parents. and they ok with it.

My opinion .. Don't rely on company medical coverage 100%

Company may change the policy. You may change your job.

Can't comment much for A-Plus.
Anyhow you can refer a little info from website PDF here:
https://www.aia.com.my/content/dam/my/en/do...ct-brochure.pdf

It is better you start your own plan since your are young. Is good chance to start low with sustainable premium till age 80.

In my MPOS system (GE), you can get RM250 monthly premium with 100K Life/TPD. With stable low risk fund sustainable till age 80 projection RM60K cash value.
This including TPD/CI waiver, Ladycare. Also R&B & Medical upgrade every 3 policy year if no claim. Can PM me if interest the detail, then can get your agent quote you the similar.

I usually advise friends to compare premium sustainable age. Type of fund choose and fund history check.

You might get many free apple orange in certain plan quote. Ultimately you still need to know your budget and how long it can sustain. Insurance charge increase yearly when we get aging. It is painful to top up monthly premium when the insurance charge can't cover by your investment return & premium pay.

Good day & regards

Walk in to AIA customer service

Find the nearest location here :
https://www.aia.com.my/en/help-support/locate-us.html

With policy holder's IC check at front desk, they will list out all the policy (if any) with a 12 inch iPad.

For young age like you my team always choose 50% Lion Fixed Income Fund 50% Lion Enhanced Equity Fund

The quotation will show fund past performance for the at least 8 - 9 years.
You may ask your agent to retrieve fund performance report in their epartner portal. This will show since Inception Date



For business nowadays, we got bank negara & PIDM taking care.

From my parents experience this happened a lot old day by taking over. This affect their investment / saving policy.

You got to study the company history. How long the company "establish" IN Malaysia.
Study their annual report for business performance.

One of the main different within insurance company is the insurance cost. Especially when you are aging.

Halo friend,

You mean your AIA friend revised the quotation under the same plan quoted, now with guaranteed insurance charge rate?

I'm not sure AIA got such options to change within the same product.

For GE products we do have some plan come with guaranteed insurance charge rate. Anyhow SPLM your friend quoted not in fix charge rate.

GE SmartProtect Sure Life Plan in the list. You may ask your friend to give comparison.

Btw, I''m quite confidence with SPLM. Even though none guaranteed cost but you can check past record with your friend. GELM establish in Malaysia since 1908.

Standard requirement for quote

Age Next Birthday for both.
Occupation
Smoke /none smoker

Monthly budget for both.
What's you minimum coverage amount need?