anyone

I bought aia basic medical card only.. cover 100k per year.

Paid rm75 only.. i downgrade from aia plan 1mil cover per year.. its too heavy for me..need to pay rm260 permonth..

No issues just apply but make sure you disclose the illness. The insurer will probably ask for medical report then they will decide whether to take you in or not. Maybe omit the coverage for proctitis.

100k can do what? Cost of treatment will increase over time because of medical inflation. After some time the 100k coverage won't be enough. You see the viral covid cost treatment at private also can know dy

can downgrade one ah?

Lifetime limit how much?

Lifetime..unlimited

if they dont sell u investment-linked products they cannot hadiah-hadiah merc and holiday to agent.

hahahaha i hate investment linked products.

Medical coverage is very important

1 serious illness can wipe off your lifetime saving

Insurance is tend to offer protection, not ROI

Don't listen to cock talker, don't be naïve and ruin your own life.

This post has been edited by heavensea: Dec 28 2021, 10:59 AM

So which medical plan you bought?

How much you buy???


Medical plan.

Current plan is stand-alone, only 140k p.a (lifetime unlimited) I'm regret didn't get a medical card with rider when I was young...

The 140k plan is not ideal at all to cover medical bills until old, I plan to upgrade and choose "branded" AIA medical card (with rider)

BUT they offer 1.5m annual coverage for now, which means the premium is very expensive for my personal appetite. I tend to get annual coverage of 1m p.a (maybe other company) and the rest standard package like other medical card with rider plan.

Why now old cannot get medical card with rider?

Nope not really. Life insurance is more important to protect your family if you die. If ill can just go gov hospital to save money

Too serious disease like 70 critical illness government hospital need to wait leh

If got money for both life and medical feel free to get both. If can only afford one then take life only

Not only when die la, like critical illness you cannot work can do early redemption of sum insured.

If becum disabled until cannot do anything consider die also lulz

my whole family is on Great Eastern Takaful. all standalone life and medical card. quite hefty tho even standalone.

When you buy?

Now is it only left takaful insurance have standalone life and medical card?

i bought it early last year. all insurance company would still have standalone product.

if an agent tell you they don't have, that means the agent is lying. the reason why they said so is because, for standalone, they dont get much commision out of it for all the trouble, else, how can their agency reward them with a brand new merc, alphard, langkawi holidays etc etc.

from this also you would know how helpful will these agents be when they have collected their 6 months commisions.

6 months commisions of your monthly premium or yearly premium?


So after you compare standalone medical insurance with ilp medical insurance,standalone still better right?