AIA all the way

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..

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.

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.

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

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

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.

Parking need to know as well

Not really true. I changed mine after many years. Increased coverage amount, increased premium on existing policy.

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.

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….

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

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

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.

Parking need to know as well