No, normally your parents and siblings only

i totally see what you did there!

first you gotta get the disclosure sheet from the officer that approached you. in the disclosure sheet/proposal/quotation, it is clearly stated where your funds are allocated to. and of course i think the officer shouldn't approach you by telling you it is an "investment"-linked plan. it is more for insurance coverage purpose. do share with us here more after you get the disclosure sheet.

Hi all,

I am looking for deductible medical insurance with conversion option to 0 deductible upon retirement. Which insurance companies are offering this option?

This post has been edited by wizardofoz: Feb 22 2019, 12:18 PM

i think i heard before in this thread but can't recall what company already. Sorry about that

Question regarding change of agent.

If my agent is no longer in service, how easy is it to change to my new preferred agent?

It's Prudential and I am holding this policy for more than 10 years.

Thanks.

Thanks for the reply, will try to search for it.

nope you can't unless the current agent allows you to be transferred to another agent.

if you bought your policy from an agent, the file will auto go to his manger (UM), if the UM is no longer here, it will go to another upline.

It would seem you have the option to choose from the following:



You can read more at the following link: https://howtofinancemoney.com/2016/03/best-...d-malaysia.html

Best,
Jiansheng

Thank you for the information. It is very helpful.

From the table, I can see that Allianz and Hong Leong has the conversion option that I wanted. Now I need to source for agents.

Are you an Allianz agent?

Hi guys, may i know which plan have the best coverage for critical illness now??

while waiting for responses on the undefined criteria for "BEST"......try this?
Best Critical Illness Insurance in Malaysia
https://ringgitplus.com/en/health-insurance...itical-illness/

This post has been edited by yklooi: Feb 22 2019, 11:54 PM

Hi NosaJC,

It's like how yklooi has mentioned, what does the BEST really mean as there are all kinds of critical illness coverage in the market right now, from straight forward CI coverage to products that allows "refresh" of the coverage. It's a good thing as it forces insurance companies to be innovative and competitive with the design of the products.

BUT

If you are looking for a simple CI coverage that covers the Early - Advance stages of Critical Illnesses you can check out PrimeCare+ which was launched this month. The first and only of its kind.

- Extensive coverage of over 150 critical illness conditions such as heart attack, cancer, Parkinson’s Disease, and stroke from Early to Advanced stages

- Protection against 7 additional critical illnesses for those below the age of 19

- Diabetes and Cancer Recovery Benefit to help you recuperate and regain your ability to move on with your life planning

- Catastrophic CI Benefit should you be diagnosed with these 6 catastrophic illnesses i.e. cancer with metastasis, extensive heart attack, severe stroke, transplantation of both heart and lungs, total quadriplegia as a result of spinal
cord injury and the loss of your limbs to help you through those difficult moments

- Critical illness coverage up to age 100








You can find the full brochure here: https://www.allianz.com.my/prime-care-plus

Everybody is welcome to ask question about this product on this forum.

Best,
Jiansheng

This post has been edited by Holocene: Feb 23 2019, 08:30 AM

If you ask me, most CI coverage in the market are pretty standard inrespective of the insurance company that you’re pursuing, the insurance company will sometimes come up with some updated feature after a few years since the launch of the earlier plans just like how medical plan refreshes itself previously from 100k per annum to 1 mil per annum coverage nowadays.

Priority is, how much CI coverage are you looking for yourself and how much can you afford to pay at the moment to purchase such coverage?

Do you have other insurance covered yet before engaging into CI coverage such as medical plan or death/disability benefit?

Sometime it is not just the plan but the ease of claiming procedure.

How do you define “best”?

Possible to claim for the deductibles from another insurance company? This is my company's insurance plan only covers 80%...

How does Aia premium holidays works ? They will deduct your monthly premium from your cash value ?

Yes you can

Yes correct

Try Google

AXA Smartcare Optimum offered by AXA General. A standalone medical policy.

Thank you. I saw that too, looking for AXA agents.