My wife current GE agent.
I myself P agent very long time ago.

Check PM for GE quote

what is coverage of overseas CI?

IF GE SLPM can get
coverage till age 99
other benefit such as accident death additional 100%
accident death in public conveyance - additional 200%
booster reward at age 70

This post has been edited by tyenfei: Sep 27 2019, 01:02 PM

Halo friend, if you really "new" to insurance .... medical card is your 1st priority.

Anyway here is the offer assuming you pass 31 age birthday and working as office management .
Different occupation affect the premium.

GE Great Eastern SmartProtect Legacy Max
Premium Payment Term - 30 Years
Cover till age 99
RM383.35 monthly // RM4600.20 yearly
RM500K - Death & TPD
Critical Illness 45 - RM250,000.00
Waiver included (TPD) - for premium RM4600.20 (very important!)

Accident death - additional 100% x (RM500,000 Plus additional sum assured)
Accident death in public conveyance - additional 200% x (RM500,000 Plus additional sum assured)

Booster reward at age 70. lump-sum RM60K
Roughly RM100K+ projected cash value at 52 years old

Info above are not official quote. Will need more info and real name for that.


PS : ... get medical card 1st .. if really NEW

Halo, is good to have company medical coverage. But also good to check how much they covered.
Usually doesn't cover much and you in risk when change of job.

Better to have own medical card as well. I believe you are the main income for the family

Proposal
GE Great Eastern SmartProtect Legacy Max
Cover till age 99
Premium Payment Term - 30 Years
RM375.00 monthly // RM4500 yearly
RM500K - Death & TPD
Critical Illness 45 - RM300,000.00
Waiver included (TPD) - for premium RM4500 (very important!)

Accident death - additional 100% x (RM500,000 Plus additional sum assured)
Accident death in public conveyance - additional 200% x (RM500,000 Plus additional sum assured)

Booster reward at age 70. lump-sum RM60K
Roughly RM100K+ projected cash value at 45 years old

Info above not official quote. Need more info & real name if you need.

This post has been edited by tyenfei: Sep 27 2019, 11:55 PM

Usually old medical plan no investment cash value and very low coverage. Really outdate if you didn't do policy review for more than 4 years.

Base on your age 31 none smoker office work, 2 proposal as reference
Quote by GE agent lifetimeplanner.my
fb.com/LTLifeFinancial

1. RM300 monthly
- RM1.32M annual limit no lifetime limit.
- Life / TPD / 45 type CI RM100K
- Accident death another RM100K
- Room & Board RM200/day
- Hospitalization income benefit RM100/day Max 180 days.
- Government hospital benefit RM50/day Max 180 days
- Waiver included. Important!!
- Free car tow assist (RM300/case/day)
- SOS (Maximum RM500K**)


2. RM275 monthly
- RM990,000 annual limit no lifetime limit.
- Life / TPD / 45 type CI RM100K
- Accident death another RM100K
- Room & Board RM150/day
- Hospitalization income benefit RM100/day Max 180 days.
- Government hospital benefit RM50/day Max 180 days
- Waiver included. Important!!
- Free car tow assist (RM300/case/day)
- SOS (Maximum RM500K**)

For reference only & content adjustable. Again .. Official quote need accurate info & real name if interested.

This post has been edited by tyenfei: Sep 28 2019, 05:30 PM

If your medical card with investment link then get your agent to check for you.

You may refer to your policy as well. Can roughly know how much cash value "if" is ILP.

Usually ILP premium fix. But also depending the premium paid vs coverage in policy. Also affected by the fund performance.

Agent shd be able to give you a quote and estimate the projection of cash value.

I believe this is ILP medical card.
You may ask the projection cash value after 20 years.

And try get other quotations. It won't be 100% same terms name & condition. At least you learn more.

My friend just upgrade A-Plus Health Plan150 last month and found not sufficient after some compare.
He decided to keep exiting policy for 6 months and signed new one with lower premium and coverage he needed most.

I did some finding with my AIA friend. This is newly launch product.
If you happy will exiting plan can add on this A-Plus Health. I'll suggest you take at least Plan200.

Because Plan150 only RM1M per lifetime for Out-patient Kidney Dialysis and Cancer Treatment.

Plan info & price all in AIA website PDF here

If your policy is about time to upgrade. Take this opportunity to compare.

Sep10, my friend paid company A 13K annual for himself and 2 kids. After agent approach him add in APH we help him policy review.
Last week he signed company G 14K annual for himself, 2 kids and wife. Previously can't afford for wife. With better coverage.

Anyhow just a suggestion. Don't take too long to compare. Risk doesn't strike after you ready

If your surgery to "bone" mean by Genioplasty and Jaw Surgery, I believe most of the Insurance company standard medical card not cover.
Because standard medical card don't cover "plastic surgery/ make over / or in mandarin 整容".

For GE, Genioplasty and Jaw Surgery is face surgery. If something’s happen, medical card just cover for the medical fees which is medical necessary ..not the "face surgery cost"

If you add in GE lady care plan then got cover for the facial reconstructive surgery due to Accident

This post has been edited by tyenfei: Oct 29 2019, 11:09 AM

Depending you are looking for new medical card right now or asking for your exiting medical plan.

For new. you must declare what surgery you have done & submit documents required.

more or less all insurance company have the similar policy for this case. Not cover medical cost cause by previous surgery (before the new medical card in-force)

if medical fees which is medical necessary due to accident .. then still yes.

no matter you get new policy from GE or other company .. the waiting period is 4 months (120 days).

You have to keep exiting policy active while paying for the new one.
Because medical coverage waiting period is 120 days. No ham to keep it till 6 months just in case.
You may ask your agent to explain further.

for the weight BMI issue, as mentioned by lifebalance & CK . Proof and appeal.

both are ok. better to include CI coverage.

for your age .. RM10 monthly different can give you many benefit. it is good to invest & get protected now.

GE Great Love 4U doesn't require medical declaration & underwriting.
This is special product celebrating GE 111th anniversary.

It is expensive for long term. But it help those who need .. specially those with medical issue and aging ..

Helped some get this at age 34~ 40, because they knew their health condition...

Promo till End of Dec 2019.

This post has been edited by tyenfei: Nov 2 2019, 01:47 AM

Sanj11 need medical plan for father.

And the 1822 post, GE GL4U no medical coverage. Cover life & accident death without medical condition & under writing need.

if exiting plan medical coverage big enough .. try ask your agent possible to extend or not.

buying new medical card at this age confirm cost a lot and need medical checkup.

is he smoker or non smoker? still working?

GE Great Love 4U mainly covered life. And death after policy year 2.
The main point of this product no need medical underwriting

This is not a medical card.

Your question :
if death due to medical condition after 2 years, its still covered right?

YES. Covered in policy

Nothing is perfect.
Everything is cost.
and yes. ILP to help maintain the premium cost. Provided fund return strong enough.

What is your goal for medical card now? Cheapest in premium or better in coverage?
You got no chance to change once RISK strike in.

You may ask for more quote to compare.
Occupation? Smoker?

for sample I use GE can quote you similar cost. Medical policy sustain till age 80
- BSA RM16K, TPD & CI waiver
- 1.32M annual no lifetime limit
- BSA + Death benefit increase to RM70K at age 60.
and others ..

This post has been edited by tyenfei: Nov 11 2019, 12:11 AM

I got AIA friends stay around Kepong & Setapak area.
If near your place and you prefer to.

This post has been edited by tyenfei: Nov 26 2019, 12:49 PM