So as gov servant. They have privileged to  get free medical services from gov hospital.

Even IJN services is covered.

Expt. Lenses, valve etc etc. But at discount. I think for now they only need to pay "hardware" but not "software"

Do you think CI is acceptable for them or redundant?

is Fully Paid Patient (FPP) in Gov Hospital can be claimable as the same process in Private?

Hi all, I am 27 this year. Currently have one medical my dad bought in 1999. 70k x 3.

Thinking to purchase new, please advise below premium is good to go?

Premium RM260/month for below

Life: 100k
PA: 100k
Critical illness: 100k
Medical is Allianz. A/L 1.1m, L/L no limit. R&B250

Yes it's prima care plus. It's a PowerLink plan.

I've been reading around seems like this is a standard premium price.
Thanks for the input sir. My mom was telling the same thing, medical no need so much, cover 1m for PA. Medical is for hospital to earn more.

Medical I considered about inflation, last time saw some articles saying can't people afford medication. R&B can be reduced to 200 actually.

I have no interest in ILP. Only in this plan because all in one.

Medical annual and lifetime limit level is always debatable. There is no right or wrong.
Just get one within your affordable level in term of premium.

Personally, I won't too concern on this, as if I really need until 1 mil+ medical bill, that's means I may be too serious to survive and may have too much complication, and even after cured, may not have enough money to survive the rest of life (there may be a lot of money need to be spent afterwards that may not covered by the insurance as well) and likelyhood won't be live too long with so much medical complication.

Unless one has ton of millions one, then different story.

If I don't have money today due to overpay too much on insurance, I may died starving next week, even having 10 mil medical coverage or 100 mil of insurance coverage.
So, just plan according within personal affordability. Life is never perfect.

Thanks Jiansheng for the advise. Will probably remove PA.

What do you think of credit card PA? I noticed there's always promo. High coverage at low premium.
Thanks sir. Might reduce to either r&b 200 or 150 and get higher CI instead. Don't want to follow parents footstep. Mom has cancer stage 3 but no CI only medical.

What do you advise on affordability? I do not have much commitments at the moment. Is monthly salary around 5-10% for premium too much?

Any DIY term + CI policy that can be bought online?

hi all, is there any difference in term of premium/cost if i buy medical insurance from agent, or direct from insurance co such as online, walk in etc?

Same policy but different benefits?

Hi guys.

I'm in abit of a dilemma right now, hope to get some assistance.

I'm currently insured by Allianz (for the past 2 years), through a friend who is an agent. I recently found out that he has stopped being an agent and true enough the agent's name in my statement is of someone elses.

My question is, would this matter in the long run i.e. difficulty in claims etc? Should I be concerned that I have no knowledge of this agent that serves me?

With that said, I am also actively looking for an insurance for my 2 year old child. I've noticed lymph nodes in the neck area is abit pronounced, but we've been to the doctors before and they are not too concerned with it which means there is no diagnosed if its an issue or not.

I've met with an agent recently and mentioned this to them. They advise me to disclose this information if I was to apply an insurance for my child. I find it nonsensical as doctors previously have not made a fuss of it and theres no diagnose as well. I worry by disclosing something that is entirely based on my feelings would jeopardize the coverage my child would get. Would appreciate on an advice for this as well.

Last one. Is it possible to find an agent that I could build a good rapport with. One that I could trust to service me and my family far into the future? Some that I've met scare me. Ya know the type, that asks for an IC copy and 2 months premium deposit at the end of the first discussion.

Thanks in advance 

Need advise to buy medical, CI ILP. Currently 37yo. Non smoker. Looking for higher annual limit and unlimited lifetime limit, 250r&b, cover until 90yo, premium is sustainable until older age.

Any good package to intro?

Hi, all expert here.
I have a question regarding my insurance coverage and premium.

I'm 24 y/o this year, and I'm having a plan with GE with following coverage:

Sum assured for life + CI: RM500,000
Medical: RM150 (900k + 90k Annual limit / unlimited whole life)

Is it enough coverage for me? I'm approached by Allianz agent, and after the agent reviewing the policy, he tell me not enough coverage for medical, where he usually quote RM250 for his customers.
Previously my Sum assured was only 100k, and the first time he approached me, he claiming 100k is not enough. Hence, I upgraded my sum to 500k. Now he's claiming that my Medical (only RM150) is not enough.

So is my coverage enough? I'm paying RM250 per month for my premium. Is it cheap?

critical illness can understand, is life insurance a necessary when buying medical insurance?

i guess professional required to find out which one suit us best, to make my point clear, I believe in a competitive market, most product tend to offer more or less the same value, or else the best one would conquer the market.

Hi all. Want to ask about stopping the monthly insurance premium payment.

If i already accumulate some values in the account and i want to stop paying premium for 1-2 years, normally the deduction from the account value is full premium amount or only deduct those insurance charges, riders and other insurance fee only?

For a 23 year old, non-smoker, I should get all 3 (medical - life insurance - critical illness)?

I see, the recommendation is to have the premium to be 10% of salary right? And the coverage should be 10 times the amount of annual income?

i read reply here saying walk in is 10 to 20% cheaper for med insurance, hence i give aia jalan ampang a visit, but the cs told me they dont sell direct, only through agent.

the walk in for cheaper rate here mean walk in to agent office?

Thinking of getting a medical card for my mom. Her age is 50+. Was quoted for an ILP plan (with bare minimum life/TPD benefit) which costs around RM 400/month. The COI is lower than premiums of standalone plans (I have compared up to the age of 80) out there and benefits are also much better.

However, due to the nature of ILP, this would mean initial high costs. Being just 20+ now, obviously I do not want to commit so much because I have other commitments (car loans, PTPTN etc) as well. My mom, due to some previous mistakes, has almost no savings today.(which is another story but irrelevant here)

I have since thought of a brilliant idea. In ILP as long as we have sufficient units (account value) inside, the policy will not lapse. So, I can twist around and only pay for the bare minimum of ILP plan required to sustain the policy, which is the Basic Life COI+ Rider COI+Fund Management Fee+Direct Distribution Costs. In other words my accumulated cash value/surrender value will be almost zero every month. By doing this I can reduce the premium by RM 150/month.

Yes I know I will pay more in future but I can have better cash flow instead of throwing all into insurance.

Any possibility of going wrong with this method? Would my agent commission be affected and gets pissed off and don't want to serve me?  (I didn't actually told my agent frankly about this, because I afraid he will gets pissed off.)

Dear sifus I read a few pages here as well as product brochures and still can't make up my mind which insurance suits me.

1. i'm a 29 year old male still single and sole breadwinner. Only kid for my aged parents 68 and 64
2. Non-smoker
3. Looking at a long term plan with investment benefits.

I have not met any insurance agent or looked up for insurance till today so I may not have the best idea. Looking forward for some advise and preferably a plan I should consider at my age.

Thank you,
Praveen

Just trying my luck - Any Allianz agent willing to adopt me as policy holder?

I posted here few months back - basically my agent wasn't honest. Have filed issue with Allianz and will request for agent change. Was told if there's no one I'd like to nominate then Allianz will try to match me with one.

My profile:
Male, non smoker, desk job, next bday age 36, single, works out for general purpose fitness these days (used to do long distance cycling and running).

Current coverage (over 3 policies that could've been 1)
Life/TPD: 400k
Accident: 500k
Early crisis: 200k (Prime Care)
Medical card: Medisafe Infinite 300

Thanks for your time