while waiting for responses,....I kay poh abit here...
found these on google....
1. Does the premium increase every year as I get older?
Premiums are non guaranteed and may increase based on the attained age next birthday at policy anniversary. The Company reserves the right to revise the premiums of Great Love4u by giving at least 3 months’ advance notice.
https://www.greateasternlife.com/content/da...4u-brochure.pdf

2. If I want to apply for OCBC's Great Eastern credit card - do I apply through GE agent or through OCBC branch?
most probably have to go through OCBC bcos it is an OCBC credit card...
can try apply from ....
https://www.ocbc.com.my/personal-banking/Ca...tern-cards.html

3. Insurance beneficiary - can I name anyone? Even a friend with no blood ties?
You are free to nominate whoever you want. However, not all nominees will receive the policy moneys beneficially or for their own use.
......
Where the nominee is not the policy owner’s spouse or child or parent (if there is no living spouse or child at the time of nomination), the nominee will receive the policy moneys only as an executor and shall distribute it according to the will, or if there is no will, the applicable laws of distribution. In such a case, the policy is called a non-trust policy. The policy moneys form part of the deceased’s estate and are subjected to his debts.
http://www.insuranceinfo.com.my/_system/me...nominations.pdf

the category of nominees who would receive the policy monies beneficially, that is spouse, child or parent.
https://www.liam.org.my/index.php/library/c...w-sunday-times-

4. Cannot add any riders, correct?
since it does not required medical examination....i think/wild guess is cannot add in riders.....

caveat emptor...till confirmed by real insurance sifus....

This post has been edited by MUM: Jul 21 2019, 02:06 AM

maybe this?
it mentioned it covers this.... Orthodontics
https://s3-ap-southeast-1.amazonaws.com/tun...ce_Malaysia.pdf

from
https://www.tuneprotect.com/products/tune-dental-insurance/

googled and found this 12 yrs old article.
hope it can provide some info while waiting for real sifus to comment.

Beware of the Worst Advice from Insurance Agents
I often got this question about life insurance from readers, prospects and clients — Should I lapse my existing policy in order to buy a new one?
My answer is always a big NO. You can buy a new life insurance policy, but surrendering your existing one is always not to your benefit.
Why you shouldn’t surrender your existing policy
https://kclau.com/insurance/replacement-of-insurance-policy/

caveat emptor, since that was a 12 yrs old article...just not sure about the current situation and what is in your current policy and new policy (coverage & types) other than the price premium.
also, if i remember correctly,...there is a period in which the new policy does not cover or covered under certain term after the exisiting policy are surendered....

if in the next 10 yrs,...there is another insurance policy that covers 1.5 or 2 million coverage,...would you change again considering the rise of medical cost and your raised income and more liabilities and or higher commitment towards the need to provide for your family in case of......?

I have to agree, that 150k for medical may not looks sufficient to many.....
anyway, if you want to buy a new one, may I suggest that you continue with this Old one for another 1~2 yrs so that there would not be a lapse period in coverage

bcos of that,....try confirm with those insurance companies to confirm if medical insurance that you gonna buy are claimable if hospitalized overseas at the country that you work in future.....

I am not an insurance guy, just that I think it would be very helpful to standardise your quotation for comparison of apple to almost apple.
Looking at maximum medical coverage
but lowest Life/PA ..... since I already have those.
No lifetime limits

so most probably looking for .....
Looking at maximum medical coverage with No lifetime limits
(what is the maximum amount for coverage for each of them do you need?)

does it include the need to have income while hospitalised?
how much R&B do you want to have?
do you need co-insurance or deductible types?
do you need ILP or just a term type?
etc, etc....


This post has been edited by MUM: Jul 31 2019, 10:44 PM

Insurance premiums shrank for the first time in 15 years in H1

Insurance premiums fell by 6% year-on-year during the first half, the first such occurrence in 15 years, as the economic slowdown and regulatory changes contributed to the decline, says the Thai Life Assurance Association (TLAA).

Renewal premiums are also expected to decline, while health and rider policies, insurance investment products and unit-linked policies are likely to become more popular, the TLAA said.
Sara Lamsam, vice-president for marketing at TLAA, said health and rider policies showed a positive growth trend in the first half, up 10% year-on-year.
"We expect that health insurance and critical illness riders will break the 100 billion baht threshold this year," Mr Sara said.
https://www.bangkokpost.com/business/172222...-15-years-in-h1

well, that is for Thailand....Malaysia got these data?
hope it is not same as in M'sia, else Govt Hospitals will be extremely over crowded.

in Oct 2017,

Allianz Malaysia Bhd has launched Allianz 3H Cover, an insurance plan for patients with “3 Highs” — high cholesterol, high blood pressure and a high Body Mass Index (BMI).
The insurance company said patients with these pre-existing conditions can usually be turned down from getting a protection plan, which is the drive behind the product design.
“Up until now, it wasn’t easy to get insurance coverage if you had pre-existing conditions such as the ‘3 Highs’. There is a chance where you will be turned down outright by insurers,” Allianz Life Insurance Malaysia Bhd CEO Joseph Gross (picture) said at the product launch recently.
With this product, Gross said Allianz wants to give Malaysians the protection they need.

https://themalaysianreserve.com/2017/10/09/...highs-patients/

well, that is about 2 yrs ago, I hope Allianz "stills" wants to give Malaysians the protection they need.

https://www.google.com/search?source=hp&ei=...Q4dUDCAU&uact=5

This post has been edited by MUM: Aug 2 2019, 11:08 AM

while waiting for real sifus to comments and reply.....
I kay poh abit....

Will these treatment leads to hospitalization for surgery? some surgery does not need to be hospitalised....not sure about your policy coverage too.
see below highlighted?

there should be a clause mentioning payment for treatment prior to hospitalization and after discharge (time frame before and after the admission)

as stated in the clause...".....No payment shall be made...... where the Life Assured does not result in
Hospitalisation for the treatment of the medical condition diagnosed."

so where is the dispute if it happens within 60 days prior and 90 days after?

Is that applies only if no hosiptalisation occur after that cost incurred?

from
8. Pre-Hospital Diagnostic Tests
Reimbursement of the Reasonable and Customary Charges incurred within sixty (60) days
preceding Hospitalisation, for Medically Necessary ECG, x-ray and laboratory tests which are
recommended by a qualified medical practitioner and performed for diagnostic purposes on
account of an Injury or Illness and in connection with a Disability, subject to the limits stated in the
Schedule of Benefits. No payment shall be made if the Life Assured does not result in
Hospitalisation for the treatment of the medical condition diagnosed upon such diagnostic
services. In addition, medications and consultation charged by the medical practitioner shall not
be payable.

I interpret it as the "In addition,...." applies to if not hospitalised

anyway, there is no valid or useful point of us doing the interpretation.....it is how the insurance company interpret them....as pointed out by lifebalance in his post earlier.

can this serves as life insurance?
Foreign Workers Compensation Scheme ( FWCS )

COVERAGE
Foreign workers who are under the employment of the insured company will enjoy coverage that include
Coverage:
Accidental death: RM25,000 (working hours) or RM23,000 (off working hours)
Permanent disablement: Up to RM23,000 (working hours) or RM23,000 (off working hours)
Temporary loss of income due to temporary disablement

4 Type Foreign Worker Insurance In Malaysia
https://onlineinsurance2u.com/blog/4-type-f...ce-in-malaysia/

Lifestyle Security ACCIDENT PLAN
http://www.etiqa.com.my/Document/151205203...obnocache=false

thanks for the reminder on this...."So beware of this. They will terminate your policy, without warning and all the thousands of ringgit you paid over the years are just gone."


Attached thumbnail(s)

On your policy... Pre-hospitalization is 60 days. Post-hospitalization 90 days after discharge. is this within the coverage scope for pre/post hospitialazation?

while waiting for responses, you can try this ....

https://www.moneysense.gov.sg/insurance

while waiting for responses, try
check page 72
post 1427 ~ 1429

seems to be almost similar query...

if you want, you can contact loanstreet about it....

https://loanstreet.com.my/contact-us

Marketing and other general enquiries: info@loanstreet.com.my
Phone: +603-7451 5283

I don't think they will covers "ALL",
as per this exclusion clause from one of the plan....

• Hospitalization primarily for investigatory purposes, diagnosis, X-ray examination, general physical or medical examinations, not incidental to treatment or diagnosis of a covered disability or any treatment which is not medically necessary and any preventive treatments, preventive medicines or examinations carried out by a physician, vitamins / food supplements and treatments specifically for weight reduction or gain; or

• Any treatment or investigation which is not medically necessary, or convalescence, custodial or rest care; or

https://www.aia.com.my/content/dam/my/en/do...ed_Brochure.pdf

yes, that is a good action to take....

This post has been edited by MUM: Sep 7 2019, 02:12 PM

while waiting for real insurance sifus to comments,
you can try get a rough quotation from this site....
it has variance of benefits and coverages to suits your undisclosed needs.

https://howtofinancemoney.com/best-medical-card-malaysia

medical doctor requiring a medical card