Hi,
I have an ILP with AIA and I thinking want to change the fund as my initial fund was suggested by the agent at 100%
Any suggestions or where to see the list of fund available?
Insurance Talk V5!, Anything and everything about Insurance
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 Feb 18 2019, 10:42 AM
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#1
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Senior Member
833 posts Joined: Sep 2012 From: Earth   
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Feb 26 2019, 12:54 PM
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#2
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833 posts Joined: Sep 2012 From: Earth
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hi, wan to get suggestion.
my dad is 54 this year. i want to get him a medical card but i believe it will be very expensive by now. the previous medical card he have have very low annual limit. do you suggest me to get one for him (around ~4-5k annually) medical card or ask him to go to government hospital in case of emergency? |
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Feb 26 2019, 02:43 PM
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#3
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QUOTE(lifebalance @ Feb 26 2019, 12:58 PM) its always better to have a medical card to opt for any better treatment option that is available rather than just gov hospital. and I believe 54 premium is still affordable la, not yet 4k - 5k yet, 2k - 3k is doable.  QUOTE(Holocene @ Feb 26 2019, 01:32 PM) Not necessarily it's expensive. Hi , thank you 2 sifus for your advice.Depending on your comfortable budget, an agent will be able to provide you with options from RM2k - RM10k in premium. But realistically you can consider the following 1) Option 1 - Life/TPD: RM25k - R&B200 -- Annual limit: RM100k -- Lifetime limit: RM1mil -- Deductible: RM2k Premium: RM3,060/annual 2) Option 2 - Life/TPD: RM25k - R&B200 -- Annual limit: RM100k -- Lifetime limit: RM1mil -- Deductible: RM300 Premium: RM3,660/annual 3) Option 3 - Life/TPD: RM25k - R&B200 -- Annual limit: RM100k -- Lifetime limit: RM1mil -- Deductible: RM300 Premium: RM4,860/annual So depending on the coverage you're getting for your dad the premium will be charged accordingly. Above is just a sample of what you could get for your dad. Do check with the insurance agent that you're meeting on your options 🤓 Unfortunately for my dad, he's 13 years older than yours so you can imagine the premium I'm paying on behalf 😥 Best, Jiansheng Just 1 thing I don't understand. Why insurance usually comes with life/tpd? I suppose life/tpd/36ci only benefits your next of kin instead of yourselves. so i personally do not think it worth the money as you wont be able to use it. i also dont understand why usually people opt for private instead of gov hospital. i heard some of the case where the equipment in private hospital is less than gov hospital. in the end need private reference to gov hosp? as for the option1,2,3. what is the main different? i suppose this one is 1.1mil per year by A*A. the only different i see is the deductible? is that important and justifiable for the huge difference in premium? |
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Jun 19 2019, 10:01 AM
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#4
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833 posts Joined: Sep 2012 From: Earth
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can ask about AIA, what is the different between
Aplus Lifelink vs Lifelink 2 disabilitycare vs disabilitycash if got diff, what is the update? Also, can anyone explain to me how does the 20% increase every 2 years work on aplusmed annual limit? |
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Aug 13 2019, 02:18 PM
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#5
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833 posts Joined: Sep 2012 From: Earth
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recently got offered to upgrade my AIA A-Plus Med to AIA A-Plus Health. Worth getting the offer? Got free 50% rebate for the premium.
https://www.aia.com.my/content/dam/my/en/do...tomer%20FAQ.pdf |
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Aug 14 2019, 08:45 AM
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#6
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QUOTE(JIUHWEI @ Aug 13 2019, 03:28 PM) Yes, it is very worth it. I also upgraded. QUOTE(ckdenion @ Aug 13 2019, 09:23 PM) looks good. seems like you do not need to buy the new ILP plan to be eligible to get A-Plus Health. If that's so, just go for it. But either way, the monthly payment will increase with or without co-insurance of RM300.12% up for RM300 co-insurance 28% up for full coverage by insurance excluding AIA Vitality since A-Plus Health is more beneficial with Vitality. Benefits: The wallet thingy - need to use Vitality to get full benefit (which i dont have now) annual limit 1.1mil -> 1.5 mil r&b 150 -> 200 Kidney/cancer treatment lifetime limit -> annual limit |
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Aug 15 2019, 11:04 AM
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#7
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QUOTE(JIUHWEI @ Aug 15 2019, 10:58 AM) So... what is preventing you from taking up the upgrade offer? higher monthly repayment? |
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Aug 15 2019, 12:45 PM
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#8
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QUOTE(lifebalance @ Aug 15 2019, 11:06 AM)  my take is that if you can't commit for a higher budget for the upgrade, just stick with what you have at the moment, there is always a better plan out there and the budget will keep increasing,  just like cars, top up abit more > better car / car engine, it'll be endless, learn to control your $$$ within your expenses/budget otherwise it will be a financial burden.QUOTE(JIUHWEI @ Aug 15 2019, 11:19 AM) Does it affect your lifestyle expenses? not really. just thinking whether it is worth |
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Aug 16 2019, 08:17 AM
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#9
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QUOTE(ckdenion @ Aug 16 2019, 12:32 AM) Definitely cannot. I also believe if you re-access your current financial position, your needs are also different from 7 years ago. Why not start from current financial position and goals before you decide what to do? So I'm assuming the increase is purely on the COI and does not affect the monthly contribution of the investment is it?Let’s assume that whatever you paid you wont get back UNLESS ‘touchwood’ things happen. Will you proceed with the top up? |
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Aug 16 2019, 04:58 PM
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#10
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QUOTE(ckdenion @ Aug 16 2019, 04:55 PM) COI definitely will increase over age. When COI increases, meaning to say the premium paid over years, more and more will be used to deduct COI. The balance after COI deduction will go to the investment value. Yes, the premium. I assume your 'monthly contribution' here refers to premium right? What I mean is for eg: current: rm500 : investment value 30% : rm150 after upgrade: rm1000 : investment value 30% : rm300 is that right? |
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Aug 16 2019, 05:06 PM
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#11
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833 posts Joined: Sep 2012 From: Earth
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QUOTE(ckdenion @ Aug 16 2019, 05:00 PM) The investment value is not following a percentage. Its oh ya. forgot coi is not percentage but fix value. Investment value = Premium - COI - any other fees  thanks for the correction |
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