Quick question. I have undergone a nose polyp removal surgery in 2016 (could hardly breath through both nostrils at that time, usually one is blocked). Does this affect claimability of term-life insurance that I bought directly with insurance (no agent)? Because these life insurance you can usually buy online without requiring in-person medical checkup.

If it does, is there a way to bypass the exclusion? For example, get the doctor who did the surgery to write a letter saying that my nose is 100% ok and will have no complications?

This post has been edited by imnotabot: Feb 29 2020, 03:50 AM

im planning to get insurance just for medical card purposes
what i have in mind is GE vs AIA
GE 1 month rm300 till 90 yo
where as AIA rm 250 till 80 yo
the perks looks almost the same
any recommendation from others?

I think as usual u need to state your age

Take for example teridoz case..how much is much or enough for early , intermediate and severe stage(3-4) ? Usually severe stage CI already covered right? But in your expertise usually how much ppl will top up consider decent protection for cancer early/intermediate 1-2

Thanks Ck. In that case can I sum up GE is better then or have to consider others?

Male 32
Job class 2

1. No issue.

Death/Disability - 200k
36CI - 200k
Personal Accident - 200k
Medical Card
Room 200
Annual Limit 1.5m
No lifetime
No deductible/co-insurance
Up to 20% no claim refund yearly
Waiver of premium upon disability/36CI
Premium 280 monthly

It will be advisable to cover 2 years of your annual income.

50% for early, 100% on intermediate and severe, probably another 100 - 150 month

There are companies that cover 77 types of CI, not just 36 - 45. FYI

hi Secret Hunter, if you are to compare these 2 currently, i will recommend you to get the AIA one and also go for its AIA Vitality program. It will benefit you more for its program's perks. Also sustainability till 80 years old seems fine to me too. when it reaches its term, you can opt to extend the coverage till 99 years old at that time (of course it comes with premium top-up at that age).

hmm, I wouldn't judge who is better through that. if you are to compare rider that covers early stages, then more or less every companies cover every main CI stages. If you want to look into the very comprehensive ones, Allianz is the one that you can look into.

Any AIA agent here. Appreciate if you could PM me. Migrating from GE.
Thank you.

This is a Public Service Announcement:

With the new regulations implemented last year in regards to the sustainability of the policy, agents should also indicate the coverage term for the plan they are quoting.

As we all know premiums and riders will affect the sustainability of the plan.

If you do not indicate the coverage term, at least mention “Premium starts from”.

To the layman, the coverage term should form part of your consideration.

Best,
Jiansheng

This post has been edited by Holocene: Feb 29 2020, 07:26 PM

hi jiansheng, as in start from which age?

If you are looking purely for medical card, for a start you can also consider a standalone medical card with lower monthly premium with Room & Board @RM250 and annual limit of RM1,650,000

dont get this too more elaboration?

Those term life purchase through online is without underwritter, therefore any non-standard case will be rejected upfront. There is no way to be excluded. Kindly apply through agent.

Hi Sifu,

I'm 32yo / non-smoker, applied prudential since 2010 without knowing what I bought.
It was PRUlink Assirance Plan 240/month, then 2 years ago agent says mandatory splitted to below:

PRUlink Assurance Plan 100 / month
PRUlink Assurance Plan = 80k
Accident Medical Reimbursement = 2k
Accidental Death & Disablement = 80k
Crisis Shield Benefit = 80k
Enhanced PRUpayor Basic = yes
Hospital Benefit = 200 / day
PRUdisability provider = 8k / annum

PRUWith You 140 / month
PRUWith You = 10k
Payor Basic = 1.68k
PRUMillion Med = 250
PRUWith You (TPD) = 10k

I've housing loan, and planning marry soon.
May I know if this plan is good worth, or improvement need? Thank you.

Also is it possible to change agent?
Because former agent retired, another agent takeover but not very responsive..

This post has been edited by Ching Aik: Mar 3 2020, 04:31 PM

At a glance, you have:
Life/TPD: 90k
Critical Illness: 80k
Room and Board: RM250 per day
Hospitalisation Cash: RM200 per day
Both plans come with waiver which means, in the event of TPD or critical illness, you don’t have to service both policies.

Please take note that Prudential medical insurance comes with co-insurance which means you need to pay RM300 for each hospital visit.

Personally, I think the coverage you have is sufficient if you do not have housing loan. If you have housing loan, I would propose plans which boost your life and critical illness insurance to cover the loan amount you have so that the debt would not pass on to your family if anything happen to you.

As for your agent, I only advise clients to change insurance company whose agents is no longer in service or the client simply do not like to work with their agents. So it’s dependent on you.

Unless you have MRTA or similar products to cover your outstanding loan, you may want to consider increasing your sum assured to at least cover the loan. As you might be embarking on a new chapter in your life you may also want to reassess your commitments and coverage of your new risk.

Thanks David & Cyclopes, yes I've MRTA and will look into increase life & critical illness insurance.

Hello, can agents recommend me medical card plan?

Female, 28, Married with one child (my dependent)
Retail sales assistant (no travelling)
Non smoker
No know health issue
Budget RM200/month

Interested with Allianz, AIA, GE

With my budget, should I get 1) standalone medical card or 2) investment linked plan where life+medical+ci lumps into one?

This post has been edited by GeraGeraPo: Mar 4 2020, 09:23 PM

An investment link policy will provide you a more complete coverage especially you have a child now, so you may want to cover more on death as well in the event if you pass away, your child / guardian will have some money to take care of themselves for a period of time. While having yourself covered for medical coverage at the same time.