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Which medical card insurance you buy?
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iandope
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 Dec 30 2021, 01:55 PM
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Getting Started
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QUOTE(plouffle0789 @ Dec 30 2021, 12:45 PM) 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? i believed that they are getting a certain percentage of commision based on your monthly premium up to 6 months. that's what i understand from my old stupid agent, after 6th month, she dont even bother to check on you even if you dont pay. it depends on your budget and planning tbh. currently i am paying RM460 for myself, wife and daughter. if i go for ILP, it would have cost me double the amount. either ILP or standalone, after a certain period of time, the premium will increase so if you think you can handle ILP now, you have to make sure you can handle the ILP increase in let say after 5 years. |
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Invisible Ghost 99 P
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Feb 16 2022, 10:39 PM
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New Member
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QUOTE(lol~ @ Jan 6 2020, 03:14 PM) That what they told last time. I can increase the limit in future they said but didn't specifically told the procedures and t&c No plan can change limit. Changes limit only can be done with new policy with new price (35year age price) |
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Rudd
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Feb 16 2022, 10:43 PM
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QUOTE(JohnKekHow @ Dec 31 2019, 12:42 PM) I pay 1) Medical card Takafool PruBSN AnugerahPlus = RM163/month 2) Life Takafool PruBSN WarisanPlus = Rm448/month 3) Life Takafool Zurich (takafoolink) = RM 400/month oh waiii burning those monney   Why u took life takaful twice? |
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TSplouffle0789
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Mar 13 2022, 06:40 PM
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QUOTE(kopitiamtard @ Dec 31 2019, 09:24 AM) Parking need to know as well so do you bought it? |
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gooroojee
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Mar 13 2022, 08:51 PM
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QUOTE(Invisible Ghost 99 @ Feb 16 2022, 10:39 PM) No plan can change limit. Changes limit only can be done with new policy with new price (35year age price) Not really true. I changed mine after many years. Increased coverage amount, increased premium on existing policy. |
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Questions12345
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Mar 13 2022, 08:59 PM
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Getting Started
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AIA.
RM1.6 mil coverage. RM300 per month. Bought insurance at a young age as they might increase your premium and lower the amount of coverage if you get older. Worst if you have medical complications, they wont even accept you.
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PJng
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Mar 13 2022, 09:03 PM
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Wtf reply 2019 post
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leymahn
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Mar 13 2022, 09:13 PM
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Getting Started
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AIA
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Jazzer00
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Mar 13 2022, 09:31 PM
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New Member
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park jap
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TSplouffle0789
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Mar 13 2022, 10:38 PM
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QUOTE(gooroojee @ Mar 13 2022, 08:51 PM) Not really true. I changed mine after many years. Increased coverage amount, increased premium on existing policy. same insurance company?? it is because in old times,company do not have such competition and power before 20 years ago, over 60 cannot buy medical card now can until 70 |
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TSplouffle0789
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Mar 13 2022, 10:39 PM
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QUOTE(Questions12345 @ Mar 13 2022, 08:59 PM) AIA. RM1.6 mil coverage. RM300 per month. Bought insurance at a young age as they might increase your premium and lower the amount of coverage if you get older. Worst if you have medical complications, they wont even accept you. is it ilp product? how old are you? |
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Questions12345
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Mar 13 2022, 11:23 PM
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Getting Started
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QUOTE(plouffle0789 @ Mar 13 2022, 10:39 PM) is it ilp product? how old are you? Yea. Close to mid 20s |
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JimbeamofNRT
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Mar 17 2022, 06:19 PM
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QUOTE(iandope @ Dec 30 2021, 01:55 PM) i believed that they are getting a certain percentage of commision based on your monthly premium up to 6 months. that's what i understand from my old stupid agent, after 6th month, she dont even bother to check on you even if you dont pay. it depends on your budget and planning tbh. currently i am paying RM460 for myself, wife and daughter. if i go for ILP, it would have cost me double the amount. either ILP or standalone, after a certain period of time, the premium will increase so if you think you can handle ILP now, you have to make sure you can handle the ILP increase in let say after 5 years. GG insurance agent after this? |
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goldrush
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Mar 17 2022, 06:40 PM
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Getting Started
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Recently I bought for my family member under GE SMM200.. 3.5m annual no limit lifetime
3yo 3600 annual
4yo 3400 annual
7yo 3000 annual
Wife 30’s 6600 annual….
This post has been edited by goldrush: Mar 17 2022, 06:40 PM
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SUSOmni-Man
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Mar 17 2022, 06:53 PM
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Getting Started
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QUOTE(JimbeamofNRT @ Mar 17 2022, 06:19 PM) GG insurance agent after this? Nay, i believe agents will still be around. Nothing beats having an agent helping out when doing claim and answering even the smallest questions. By the way i see several insurance companies selling online. QUOTE(goldrush @ Mar 17 2022, 06:40 PM) Recently I bought for my family member under GE SMM200.. 3.5m annual no limit lifetime 3yo 3600 annual 4yo 3400 annual 7yo 3000 annual Wife 30’s 6600 annual…. Why choose GE? |
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JimbeamofNRT
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Mar 17 2022, 07:09 PM
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QUOTE(Omni-Man @ Mar 17 2022, 06:53 PM) Nay, i believe agents will still be around. Nothing beats having an agent helping out when doing claim and answering even the smallest questions. By the way i see several insurance companies selling online. Why choose GE? the same arguments on car insurance last time. too many agents plotex plotex but now the insurance co. make it so much easier to buy and to claim as well. all via online. |
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loserguy
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Mar 17 2022, 07:18 PM
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QUOTE(JimbeamofNRT @ Mar 17 2022, 07:09 PM) the same arguments on car insurance last time. too many agents plotex plotex but now the insurance co. make it so much easier to buy and to claim as well. all via online. I'm still buying car insurance through my agent. I can probably get it cheaper elsewhere but old friend, what to do? Calls me up yearly for the renewal too, so I don't forget LOL. |
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heavensea
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Mar 17 2022, 07:21 PM
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Tumpang thread, tq.
Investment link vs Standalone medical card
Which one better?
This post has been edited by heavensea: Mar 17 2022, 07:26 PM
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JimbeamofNRT
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Mar 17 2022, 07:21 PM
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QUOTE(loserguy @ Mar 17 2022, 07:18 PM) I'm still buying car insurance through my agent. I can probably get it cheaper elsewhere but old friend, what to do? Calls me up yearly for the renewal too, so I don't forget LOL. now BJAK and someone from Kurnia will whatsapp/call me , reminding me about those things 10% is quite a lot tbh |
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JimbeamofNRT
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Mar 17 2022, 07:22 PM
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QUOTE(heavensea @ Mar 17 2022, 07:21 PM) Tumpang thread, tq. Investment link vs Standalone Which one better? most of your investment link portion will goes to your agent new Merc/BMW fund  |
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