a good agent will show u.

IL is better IMO but that's up to personal preference & most of the plans are IL.

Just like technology, it's moving forward all the time.

buy thru cousin who handles all our insurance under GE.

in another word, you are paying 20-25% contribution as your cousin's salary for the next few years. ok la.. better kakilang then outsiders.

肥水不流外人田

means 4 person in one plan???

High Overall Annual Limit with no Overall Lifetime Limit

https://www.greateasternlife.com/content/da...on-brochure.pdf


so share the 3.5 million annual limit?

Sorry salah…

3.8m each for kid under smart protect junior
3.5m for wife under smart protect essential

This post has been edited by goldrush: Mar 19 2022, 08:28 AM

AIA cover C19, others not sure…

GE cheat money wan..lolx

Mostly cover c19 I guess… as long as it pay as and when needed… dah cukup…

So, which insurance company provides best value of protection vs commitment?

i just choose top 5 big insurance company

🤣🤣🤣🤣🤣🤣 Funny la u

Hi this is my insurance policy benefits :

what does each description means ? they give me a medical card


AmMetLife Lifestyle (Ins) 15 April 2083 For 64 Years RM 100,000.00 In Force

Accelerated TPD (All Causes) 15 April 2049 For 30 Years RM 100,000.00 In Force

Additional Critical Illness 15 April 2083 For 64 Years RM 100,000.00 In Force

Dread Disease WOP 15 April 2049 For 30 Years RM 300.00 In Force

HealthCare Choice Rider 15 April 2083 For 64 Years RM 150.00 In Force

HCC BoostUp Rider 15 April 2083 For 64 Years RM 150.00 In Force

This post has been edited by incubus69: Mar 25 2022, 04:45 PM

Additional Critical Illness

Dread Disease WOP

HealthCare Choice Rider

HCC BoostUp Rider


why so many rider???

I chose crowdshare medical protection plan cover RM1 million for less than RM50 per month from www.gathercare.xyz

RM1 million medical protection per year
RM5k bereavement payment (increase RM1k yearly)
RM100k outpatient cancer per year
RM150 board & room
RM250 ambulance service
RM15k compensation death of covid

For 2021, average contribution all-in, around RM40/mth. Very cheap, affordable. If you are looking for cheap and affordable medical protection, look for www.gathercare.xyz

This plan can be either your main protection plan, or simply as backup. In case existing medical card not enough limit.

OP/TS, dont get PM Care. it freaking sucks ballz

I used to think standalone is better because it's cheap right?!

Wrong. ILP has its benefits. We all know medical fees increased every few years and will have adjustments. ILP's cash value that you have will be used to offset or top up the adjustment, hence you still pay the same amount. That's how they keep your premium stable for the next 30-40 years.

Standalone mean while, has no cash value. Hence whenmedical fees increased you also need to pay more, every few years. And you get nothing at the end of maturity.

BUT, keep in mind don't ever treat ILP as an investment. Their fund managers are shit and typically cannot produce returns that exceed inflation. See ILP as a form of stable protection. As long as you have some protection and cash value, you're good to go. Don't see it as an investment vehicle because it's NOT.


Hope this helps.

This post has been edited by CoolStoryWriter: Mar 31 2022, 09:52 AM

what is your age?

how come so cheap?

why no insurance partner inside the company?



https://www.bnm.gov.my/web/guest/life-business

https://www.bnm.gov.my/web/guest/general-business

OP/TS???

what means?

just feel ilp fund got sales charges that goes mostly to agent commisions....

you no buy yet?