Insurance Talk V5!, Anything and everything about Insurance
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 Jun 2 2019, 01:27 AM
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#1
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Senior Member
678 posts Joined: Dec 2007 From: Shah Alam  
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Why there is very few discussion on Takaful Malaysia? Checking their website, their basic plan for TPD/Death with RM500k coverage is priced at RM80/month only. Any bad feedback/review on their services?
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Jun 2 2019, 11:16 AM
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#2
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Senior Member
678 posts Joined: Dec 2007 From: Shah Alam
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QUOTE(yklooi @ Jun 2 2019, 09:14 AM) have you check also, is that amount of premium paid is for a PA sort of insurance? They have separate plan for PA. This plan is for Death/TPD, and can be customized to include critical illness if the applicant wishes. Refer to link below, can try get quotation and seems like can straight away apply. A bit weird as application usually will require proper medical check up right? https://online.takaful-malaysia.com.my/term-myClickTerm |
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Jun 2 2019, 02:18 PM
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#3
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Senior Member
678 posts Joined: Dec 2007 From: Shah Alam
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QUOTE(yklooi @ Jun 2 2019, 11:29 AM)  so this RM80/month only premium is for death / Total and Permanent Disability (TPD) only? then if want to add in other coverage it will be more then. Yes, I haven't tried adding up coverage for CI. But I am pretty sure that for a plan only covering TPD/Death, this is already considerably cheaper than most other insurance out there. Its just that they do not have many agents to promote it. I guess this is why they are cheaper, lower operating cost. I was wondering about their stability as a company, but I think they are hardly a newcomer in the industry. QUOTE(yklooi @ Jun 2 2019, 11:29 AM) yes,...normally for critical illness plan after a certain age and value....they needs medical assessment to determine eligibility Should be common for insurance not to fully cover for predetermined illness correct? Or if they do, the premium will be increased quite significantly. I guess this plan is suitable is for those that really2 young and healthy, but lower on budget but mentioned in their FAQs Pre-existing illness __Not covered TERMINATION OF THIS ANNEXURE The coverage under this Annexure shall automatically terminate upon occurrence of any of the following: (f) when there is fraud or misrepresentation of material fact during application. EXCLUSIONS We will not be liable to pay any benefit under this Annexure for Critical Illness resulting directly or indirectly from any of the following causes: 4.1 Critical Illness which has existed at the Effective Date ..... https://online.takaful-malaysia.com.my/Docu...e%20Wording.pdf  |
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