And don't get lured into a perceivably cheaper medical premium. There is chance that the insurance company has not reviewed pricing for long time, and then realised the money pool gets unsustainable. The only option is then reprice the premium.
Which mean what's cheap today may be more expensive than the competitors when they reprice. I think this happened recently with one of the insurance company.

While it is difficult to track, ideally we should see the repricing history of the insurance company. If the assumption is that every company will price the medical at the same price over the long term, then there is limited motivation to shop around.

Insurance is all about pooled risk, you need a sustainable pool (low claim, healthy participants, etc) for the pool the be sustainable and remains reasonably priced.

Hi,

I would like to get a quote for myself (31 years old, Male, Non-Smoker).

My requirement (not necessary under one policy) as per below:
1. 500k – Term Life Insurance (Death & TPD)
2. 250k – Partial & Permanent Disability (PPD)
3. 250k – Cancer
4. 250k – Critical illnesses
5. Non-Investment-Linked Insurance
6. Guaranteed yearly premium
7. 20 years - Coverage Term

Feel free to PM me for further detail.

Let say the policy owner, and the person covered is different person... what happens when the policy owner dies?

I need coverage until my children already finish the tertiary study.

Item 6: while unlikely, while the contribution for anugerah plus is level, the charges arent, prubsn may increase charges on ci and cancer. And you still need to pay higher eventually. Ya. It is level contribution for now. But they do not guarantee they wont change.

Item 7: i think you got some misunderstanding. There are investment-linked plan with 20 year term. Like anugerah plus.

Btw, if you want to buy online, many companies has as well. No just manulife. Mandated by bank negara.

Hi everyone. Just hopping in hoping (no pun intended) all sifus can help me as i'm a super noobie (apologies in advanced)

So a little background info:

- 27, male, previously unemployed, will be employed starting Oct 2019

- I will start working abroad again starting October, but will come home every now and then to visit my family.
......
My question:

- Do i need a medical card?
since you will be working in overseas,...try to get one from there......as do you need it....does your employer provides it or is the coverage enough?
- My dad's policy is slightly different as he was the sole breadwinner last time, so he had extra protection like 20+ critical illness (17 years ago) and disability insurance but these were not listed in our policies so i'm guessing we (my mum, bro and i) are not insured against these stuff (?)
- is disability insurance = personal accident insurance ?
personal accidents is covering incidents happens due to accidents.....if the disability happens not due to accident, then how?
- Is this a health insurance or medical insurance? And the way i see it, no personal accident insurance is included?
most probably a medical insurance,.....to cover the hospital expenses if incidents happens.
- Should i upgrade/update this within AIA?
most probably you need to buy a new one ...as I think that policy is too "old" to upgrade.
- Should i switch to another insurance?
Insurance industries in Malaysia are regulated.....what is the reason to "switch" or "not to switch"? they are all about the same, just that the insurance agent is not same....your overseas insurance company may not be the same as the one in Malaysia too
- Where can i find the meaning for all these abbreviations (Life /TPD,CI,PA,CIS,R/B)
try google type of insurance or insurance jargon.....
maybe here too....
https://www.moneysense.gov.sg/insurance

That's all for now, sorry for the long posting, as i dont know where to start and i stumbled upon this forum accidentally and it's been mind-blowing reading all the thread. Thank you in advanced and happy Malaysia day guys!

Hi, I am doing a project.
I was wondering if anyone here has any access to the policy description by wording of critical illness in HongKong ?
Maybe ask from friends or relatives over there.

Thanks in advance

Thanks.
I found these earlier.
But not the policy wordings.

Like eg, what does it mean by heart attack , stroke, brain operation and so on (what are the criteria that fulfill a claim).

I am looking for the wordings, the thick booklet that comes with the policy (that most people don't read)

I found this page too.
But this is video.
I need the exact wordings..

Hope someone who has access to it could share it out.

can be pushed to 80...but for maturity will also be equally pushed to 80......so the bonuses, etc for maturity will be pushed back also...

cash value back is more for bonus / savings / emergency purpose when that age arrives....

payout sure important in case of death....

.....any advice boss / sifu?

..................
Do you think I should surrender some of my personal policies and consolidate into a single provider to reduce premium costs? I'm the sole provider for my wife and one child.

.............If I pay those premiums currently paid with cash bonuses too, it will be around like 4-5% of my income.

Guys
I have a question,
Lets say i did surgery using insurance company A, can insurance company B see the claim?

..............

Medical extender
Deductible amount - 120k
Overall annual limit - 1.2mil
No life time limit

My question is, does the medical extender really necessary?

Hi Guys, I need your advice. My friend going to work as a courier guy for one of the online shopping company. The thing is he is not working for that company as an employee but something like contractor and that company will be the principal.

That online shopping is so famous and many expensive item sold on their platform. As courier guy for sure my friend will one day face something like item loss or whatsoever.

What insurance should he take to cover himself against any losses claimed by customers (either seller or buyer)? Should he buy Transit Insurance?

Actually, I dont really get the whole picture as I have yet read the terms and condition between him and the company.

Hi,
I have come across this PRUmy child plus insurance from this link -- https://www.prudential.com.my/en/our-produc...umy-child-plus/
I would like to understand what does it mean by this Pregnancy Complications with GDM. -- <a href='https://pictr.com/images/2019/10/18/5Vuaz5.md.png' target='_blank'>https://pictr.com/images/2019/10/18/5Vuaz5.md.png </a>
Does this mean that one must have one of the complications AND GDM in order to be reimbursed with additional rm1k (under Plan 2)?
So if just having GDM only, one would not be compensated at all? 
And if one already have GDM before having such policy, would she still be allowed to buy this policy?
Hope someone knowledgeable on this can assist on answering the above. Thanks.

hi, i'd been introduce term life insurance that have no medical question.

should i declare my condition/detail for this type of insurance as well ?

i'd told agent my condition, but he didnot told me to declare anything.
this's the product

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

https://www.greateasternlife.com/content/da...4u-brochure.pdf
from what i read, it didn't mention any medical requirment at all, but i feel like it'll have certain catch or hidden term that i should be aware of.