Read up AIA Flex PA.

AIA
RM300+ a month
RM1m max medical cover
RM100k for cacat

Aia public takaful???

Parents plus 3 children?
Per month rm567?

When you buy your medical card?
Nowadays medical card mostly unlimitee lifetime limit.
Both is ilp??

Why the rider so complicated?

This post has been edited by plouffle0789: Dec 31 2019, 06:39 PM

At which year when you buy your prudential medical card?
It is ilp or standalone?

This post has been edited by plouffle0789: Dec 31 2019, 06:38 PM

How big is the protection boost?
Need to top up when you want to use it?

Covered HIV Due To Blood Transfusion
And Covered Occupationally Acquired HIV

Nowadays many this case???

43 critical illness included this.........

What means occupationally acquired hiv?

Your collague transmitted to you?

machem menarik

Hi cofin, I did a similar quotation. For your budget, you can get a pretty comprehensive coverage for your medical card which covers up to 90 years old. Whether or not your agent kelong you, I will need to have a look at your policy. One of the important fine prints in the policy is the sustainability factor. Usually in some insurance companies, they can quote a policy with low premium because their sustainability is low and policy holders will get surprise price hike when their cash value reaches 0.

Hi gooroojee, any outpatients (normal clinic visits without overnight in hospital) is not claimable under medical card unless the reason is caused by accident. Usually, for normal clinic visit, some companies you work for do offer panel clinic which you can claim under your company medical benefits.

1. Accident during riding motorbike without hospitalisation can claim under medical card. The maximum claimable amount is usually around RM3,000 in this scenario.

2. Yes, claimable. As long as admitted to hospital and stayed overnight. Any treatment within 90 days after hospitalisation is also claimable.

Interesting. That means you have 2 policies which function as income replacement/debt cancellation.

Total life/TPD: 800k
Critical Illness: 400k

I would say you are quite good in coverage if there is anything happen to you from now on. Do you happen to have family/loans which is the reason why you bought these policies?

Hi WeiLoonChuak, hmm, I'm a Great Eastern agent myself and I don't think that the annual medical coverage limit will increase by 10% every 3 years if there is no claim.

I believe it refers to another rider which increases the Room & Board by 10% every 3 years instead of increasing your annual medical coverage limit. Also, R&B RM150 per night is not eligible for this rider. I strongly advise to discuss this with your agent on this respect since there might be some misunderstanding. Or you may send me your policy summary for a review.

For your second policy, which functions as a income replacement/debt cancellation, I think it is alright. However, I usually quote 500k for life and 500k for critical illness. For Great Eastern SPLM policy, I don't think that Critical Illness is deductible from Life/TPD. Life and CI are independent of each other in this policy for GE.

Hi sir.

Kindly provide contact for sexy young GE agent moi for further discussion on insurance plan.

Thank you sir and have a nice day.

Ini topic mod can pin

but i iz like all /k here

i iz bodo

just tell me which medical insurance gooding and cheap

currently now prudential takaful 200 bucks, dont know what they cover.

kind of scared because heard got insurance will taichi puting beliung dont want to cover

Dude, I have been talked to you since like 2013, you haven't bought it?

Later leng lui agent kelong u kao kao oh

Usually you won't go wrong with the big 3 giants in insurance, i.e Great Eastern, AIA and Prudential. It depends on the agents because many agents simply don't understand their clients needs and the products well enough.

Great Eastern RM200 per month can be quoted for a comprehensive medical card with early stage CI included.

I dont have any insurance yet. At least kena scammed by amoi hnggg better than kena scammed by ahpek.

Sounds like you had a bad experience with insurance agents. Not all agents carry the intention to scam people.

Nope i dont have bad experience with insurance agent. I dont even have a plan yet.

kalau pandai susun duit, ILP shouldnt be a problem

im using ILP, in fact all my siblings subs to ILP

already received benefit from it in terms of claims.

lel

Investment linked package mine i pay RM300 monthy

Obviously you can't expect much since is only like RM100 a month but you can still withdraw. Not sure if your agent told you

At least 10 years to withdraw to see fruitful $. At least few k

Investment linked plan means you are investing. Therefore got untung.

This post has been edited by zeist: Dec 31 2019, 09:02 PM

I paid rm200 monthly for 20 years for ILP... So total put in rm48k.. as of now surrender value is only rm24k or so...

Just my personal experience... never claimed anything

For investment linked package, ro get a good deal fpr tour medical usually RM300 onwards. Anything below your medical card don't think can get 100k annually. Maybe 50k only

Different policy type different rate and package