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.

How hard and troublesome the process of claiming death benefit by family members? I'm thinking on buying term life through online and not through agents.

That comforting to know. Many thanks!

I thinking of purchasing many term life policy with different years of coverage since I'm thinking as we get older our debts should decrease an our saving accumulate. I might need 1M coverage now but not 20 years from now.

It would be something like this.

Policy A 500k 30 years
Policy B 250k 20 years
Policy C 250k 10 years

From year 1 to 10 I will have 1M coverage. After the 11th years, my policy A will mature and I will left with 750k coverage. What is pro and cons doing like this?

Because it so cheap that I can't ignore it..it called ladder strategy or something..I shopping around and I can get around only 160-170 for 1M (34yo)

Hi can anyone enlighten me on the concept of deductible?

For example number 1:

Med Card A : annual limit 50K
Med Card B: annual limit 1.2M with 20k deductible

Mr A hospitalized and the total bills comes RM 150k. If Mr A use Med Card A first, the first 50k bills will be paid by Med Card A and the remaining RM100k balance will be covered by Med Card B but Med Card B will only approved for RM80k only and RM20k Mr A must pay in cash. Is my understanding right?
If Mr A use Med Card B first can he claim the 20k deductible from Med Card A since the limit not burst yet?


For second example, let say:

Med Card C: annual limit 20k
Med Card D: annual limit 100k with 5k deductible.

Mr B hospitalized and total bills comes RM 7k. No problem for using Med Card C since it will fully covered.
But can he use Med Card D and claim the first 5k from Med Card C?

There is a school of thought out there that said the annual limit must be burst first then only you can use 2nd card. This means it wrong right?

So your explanation make more sense since whichever card that Mr A choose to use first doesn't really matter because the outcome is same and that is his bill is 100% covered by both of his card.