Thatis what i wan to clarify. Agent told me pay one year only. After taking the 18k, then can terminate the plan already.

Better direct call in AIA CS to clarify. Can't 100% believe in what agent said without black and white.

due to illness or injury means?

accident no bao?

My friend is an actuary in Pru, I was told they only price 15% medical cost increase for the next three years, and leave everything constant for 4th year onwards.
Since insurance co can revise premium anytime, expect that to happen when medical costs escalate, which is almost certain.
So no point looking at the insurance charges projection in a 30 years table.

Anyone can help with recommendation for travel insurance?

1 week Taiwan. Would like to get one with some compensation for "travel inconveniences", seems like most basic packages doesnt cover it

Hi,
I have an ILP with AIA and I thinking want to change the fund as my initial fund was suggested by the agent at 100%

Any suggestions or where to see the list of fund available?

Any recommended AIA agent? Planning to get a medical insurance

It means ur premium you're paying not is not enough to cover the cost of insurance, if you don't top up = ur policy lapses

well seems to me you're buying the insurance for the wrong reason if its just because of some cash reward, an insurance policy is a long term commitment to ensure you're covered for a long period of time.

Besides the cash reward, what other benefits do you see yourself worth taking up this policy ?

I use AIG personally, it's good enough

You can refer to the AIA website for the list of it or contact ur agent for assistance.

I know someone who can help you

if accident cases need surgery/hospitalization, it is covered. accidental outpatient is covered with different amount either per disability or per year. can be found in the table

The intention of it is purely just based on what agent told me > paid 1 year premium to get the cash reward back which is a total of 18k, let it lapse after that. My point is just purely that. Just wanted to know is what the agent says true or not. If yes, i buy purely just to earn that cash reward, insurance wise i have other planning.

then my suggestion is, don't buy the insurance at all, it won't benefit you nor will you be able to earn anything out of it. It's just a waste of time.

To the agent who tried to sell you the policy to earn quick bucks and lapse it later, shame on you.

Paid 12K and can get back 18K next year?
Where insurance company find 6K to pay you?

If there is, it will be the hottest product in the market, don't need to be promoted by the agent already.
This is one big frog jumping around...

So...whats the suggested annual limit for medical card? Is 200k enough?

I think it all boils down to depends....
depends on your expectation
depends on your budget
depends on your income
depends on your "wish' to haves.
depends on your lifestyles
depends on your family medical history
depends on your experiences encountered on those that has medical situations
depends on your experience and the satisfaction encountered at the Govt hospitals....
etc
etc....

just like yesterday my family asked me what should they have for lunch...is RM 40 enough for a family of 4?

Hi guys, mind to advise estimated premium for a MLTA policy to cover an one million loan? Thanks.

Need to know the following details

Age, gender, occupation, smoker or non-smoker

31, male, software engineer, non-smoker

estimated around 3k per year. AIA has those term plan that with lower premium if im not mistaken.

estimated RM5.5k yearly

4060/year