Year limit 250k
Lifetime limit how much?
Bought from which website?
So ilp medical card plus critical illness???

Ilp is susah dulu senang later
Standone is senang dulu susah later right???

Thisnis like term product lah. U hit any of ci, they pay 250k. Straightforward. Not medical card kind
Bought at aia website.

Not ilp. Just protection.

tutup buku la.

like insurance you are paying money per annum in order to get some protected value, this is what the called as sum covered. this is not like traditional saving like it you put rm2000 in a year, you are getting interest on thosse saving, the sum covered is like i give you do this amount fund from the start, so every year you pay me principal+interest, if every year got untung, i let you keep the untung. after the policy matured, i give you the agreed sum covered + bonus.

bahasa mudah, i give you loan for this amount, you pay me every year/month. since the loan amount is kept by me, i manage the fund for you, if got untung, i give you some, after 20 years, i give you hefty money, but we are done now.

make sense?

standalone or ilp???
this one until 85 years old

https://www.aia.com.my/en/our-products/crit...icalcare-i.html

until age 65 only right???

until age 65 only right???

i was told by the agent that it is ILP but returns are used to offset premium. Standalone apparently was much more expensive.

I think almost all medical card / assurance is same.
I using Allianz which offered cover 150 critical illness conditions, including early C.I.
I remember Great Eastern is almost similar.

Most you want to check is:
1. Guarantee renew
2. Room & boarding $$
3. Other terms & conditions that will reduce your benefits.

Then for those plan, you can consult with your agent, on higher or lower the value, e.g. lower my Life, and higher my C.I..

what is ci???

what is ci???

Cost of Insurance

Can increase limit?

return like shit for what

Actually the ILP is not for the return. The percentage of investment in your premium is to sustain your policy to max year of maturity. So you don’t have to top up or add premium amount at certain period. 😊

AIA all the way

why???