googled and found this...
thus depends on what you ILP bought
and also the "true' understanding of the "policy account"....
if policy account has not enough $$ to sustain the payment of COI as mentioned by (HOLOCENE at post above), then how?

https://www.aia.com.my/content/dam/my/en/do...ld-brochure.pdf

So the amount you end up paying for ilp and standalone medical plan are about the same?

Yea, that's why I tried to request for GL to cover the operation. Got to admit I was disappointed when it got rejected. 
I think I'll do that. And if they inform me that ovarian cyst = uterine fibroid in their definition, then I need to request an updated policy that excludes ALL the conditions, don't simply put Ovarian Cyst  in my policy and reject my request for something that's not related to it after all.

Will consider changing insurance if the premium is cheaper or something, since I got two pre-existing conditions now if I want to swap insurance.

Hi, My wife is looking for a medical card was quoted close to RM400 by AIA with their A Plus Health package with RM1500 value returned if did not claim in the particular year. Are there any other affordable packages?

Date of birth: 30/07/1984
Occupation: marketing manager
Smoker/Nonsmoker: non-smoking

Can't wait to see what are the changes like when tomorrow comes

Anyone got any news on New Medical Card plan from AIA or Prudential /Alianz?
Did they increase the Deductible or price?

Compare to AIA or Prudential PruValueMed. How much better is Allianz Infinite Medical plans ?
Cheaper or more coverage?

with that deductible options and some increased of benefits, perhaps COI also wont differ much. 
to be fair, you compare with

AIA A-Plus Health
Allianz MediSafe Infinite+
Prudential PRUmillion med

hope the link above will give you more insight.

Same process were done with both ge and Allianz agents. I met them face to face and gave out same info. Allianz process my request without asking further info, however the GE agent returned and asked me for my medical report. Hence i strongly feel GE process is really tedious as I only requested to top up rm50/month and the reason is very obvious to increase my son's medical benefits. Base on this experience I strongly suggest to go for allianz ILP to avoid the hassle in future when you want to increase benefits and top up monthly premium

Hi anyone know any takaful operators or insurance companies that accept hep b carrier as client? This is for medical cardm don't  mind if got loading/exclusion just want to see whether there are plan out there for such individual.

Preferably takaful first. If there no takaful operators offer such plan then only maybe can consider taking insurance.

Any insurance agent here have products (particularly interested in CI and disability protection, and medical card) with 'Guaranteed Acceptance, No Health Questions or Medical Checks Required'? Kindly PM me.

Also, Great Eastern agents please quote me the yearly premium for male age 43 and female age 29, both non-smokers for GE's Great Love4u product, which I'm considering.

I'm based in PJ.

https://www.greateasternlife.com/my/en/pers...eat-love4u.html

https://www.greateasternlife.com/content/da...4u-brochure.pdf

Hi all. So my insurance application got rejected recently due to my mental illness history which is sucks + means other insurance sure will reject.

I asked my agent for the refund and he said needs 2 weeks before I can get my money back. Is it true because I kinda need to use money for other things. Tq

Can anyone advise on renewable income protection plan?

Any insurance plan to cover high income individuals in case of a mishap?

The Allianz Medisafe Infinite Xtra medical plan is discontinued already? Couldn't find it anywhere on the website anymore?

And I also noticed a new plan called Medi Advantage which only covered treatment for certain illnesses/surgery. What a bummer, totally not as good as the Medisafe Infinite Xtra..

Didn't manage to get it as I have yet to make up my mind.

How much roughly is the Medi Advantage Plan 1 & Plan 2?

Hi Peoples,

Just a few question on insurance topic. But let me start with the situation:

My standalone medical and life plan would end in September.

I understand about the waiting period and such but still decide to purchase a plan for september onwards.

Currently I'm looking at getting an ILP for:

Life/TPD: 200k
CI: 100K
PA: 100K
RB: Minimum 250/300

Optional
Global health coverage
Payor benefit/waiver
Will invest more if there's extra cash for safekeeping/sustainability (I'm a horrible money keeper)

So my problem is:

1) An insurance agent (AIA) met and explained that all policy post July 1st must be sustained to term (in this case 100 years old) as such quoted me with a plan with above mentioned required but added a investment plan for sustainability.

Wanted to know if there's such requirement?

2) I've been informed that Life,CI and PA must be same value.

Which I highly doubt.

3) Would the new guideline by Bank Negara affect the ability to partially withdraw from a plan? As withdrawal might lower the value below the term requirement?
I'm quite confused about this as these are provided by few agents that I've contacted.

PS: I'm open to hear opinion and any plans that would help me out.

Basic detail:

Next BD: 24 Years Old.
Non Smoker
White collar job

Thank you in advance for each input 

Guys, understand that ILP has fund to pay up the charges and fees in a policy, what if the fund make total lost and do we need to top up $ to sustain the insurance?

So based on bnm recent announcement, i think now insured will get to know if their fund sufficient or not.

https://www.nst.com.my/news/nation/2019/07/...nsurance-policy

last time I was enticed to buy an insurance policy that "promised" that I can stop paying premium after 10 yrs, for the money inside will self generate money to pay for the premium.....

after 10 yrs, I asked the company...they said the money inside is not able to sustain the premium payment, thus I need to continue to pay.....extra 20 yrs later I am still paying....

I guess, it is high time BNM have some control over this sustainability of premium payment products...

Later option as in invest in other which not related to ILP?

Hi guys, thank you for the advice  . My agent is from GE, I am reluctant to sign any exclusion clause, maybe I will consider a difference insurance company.

After that attack, I have fully recovered. There was no attack again. It seems like GE is not willing to negotiate on exclusion clause, so chances to remove the exclusion clause is pretty slim.

BTW, I have paid for the premium 2 months in advance in June. My agent is rushing to get me to sign-up the premium before July, reason she gave is there will be huge increase in premiums/plans from July onwards. I would like to know more about this  

My agent told me once I sign the exclusion my premium will be active. In the event I wanted to cancel, I'm still entitled for full refund right?

If you are not agreeable for an exclusion then its up to you decide if you want to take up the coverage or not with the exclusion. If it's after the 15 days free look period then you are not entitled for any refund

I was recently proposed the Allianz Powerlink by my agent with RM300 monthly premium.

Is this a good plan to sign up compared to other products in the market? I currently have one with AIA(previously Great Eastern) which I signed up about 10 years ago and am only paying RM185 monthly premium. The agent told me it doesn't have enough coverage for future medical costs 10 -20 years down the road and there isnt an option to upgrade or buy additional insurance policy as top-up to the current one, so I have no choice but to terminate the AIA policy and lose out.

Is getting a new insurance the only option for me? Feel being conned by insurance company if we are forced to cancel our policy like that without any fault on our part.