bought Zurich medical card for me and my kid
rm1.2k+ annually for my daughter
last year 2018, it covered rm3k+ her medical bill
this year covered rm7k+ bill
these medical card really worth it if u got small kid

lel

Investment linked package mine i pay RM300 monthy

Obviously you can't expect much since is only like RM100 a month but you can still withdraw. Not sure if your agent told you

At least 10 years to withdraw to see fruitful $. At least few k

Investment linked plan means you are investing. Therefore got untung.

AXA eMedic.
Axa eMedic

Costs me RM348/month for family of 4..

Package includes Rm100,000/year hospitalisation limit for each individual.

Unlimited lifetime coverage.

Auto renewal.

Cashless admission. Axa pays everything if you are hospitalised.

RM250/day room-rates. Means I can afford a single suite at all the private hospitals.

Same list of health coverage as AIA/Prudential. Cancer, stroke, heart attacks, hospitalisation, etc..

overseas Brunei, & SG temporary travel coverage. Includes repatriation costs and overseas ambulance coverage.

etc.

Dont think twice.. just sign up and cancel all of your other plans..even those ILP.. you will be saving alot of $$$$$ over the long run.. this is a no brainer for me really..
Individual coverage, 200k rm/year, unlimited lifetime limit, auto renewal.. at only rm100/month..

Family or individual.. GET THIS PLAN ASAP.

You need to know that the purpose of insurance mainly is for protection. The idea of getting returns on investment linked products is a wrong concept to begin with.

Also, eventually all cash value in ILP will become zero due to increasing insurance charges. How fast it goes to zero depends on the sustainability of the policy which is designed by your agent.

As for your case on why the cash value is not up to par, I suspect that 1) your agent designed a maximum protection policy for you, hence a lower portion for investment, 2) the fund performance of the insurance company is not doing well, 3) sustainability is too low, your premium of RM200 is not sufficient to cover the insurance charges, hence the cash in your ILP is used to cover the remaining cost.

Not necessarily same rate. Standalone medical card will increase price every 5 years.

AXA eMedic.
Axa eMedic

Costs me RM348/month for family of 4..

Package includes Rm100,000/year hospitalisation limit for each individual.

Unlimited lifetime coverage.

Auto renewal.

Cashless admission. Axa pays everything if you are hospitalised.

RM250/day room-rates. Means I can afford a single suite at all the private hospitals.

Same list of health coverage as AIA/Prudential. Cancer, stroke, heart attacks, hospitalisation, etc..

overseas Brunei, & SG temporary travel coverage. Includes repatriation costs and overseas ambulance coverage.

etc.

Dont think twice.. just sign up and cancel all of your other plans..even those ILP.. you will be saving alot of $$$$$ over the long run.. this is a no brainer for me really..
Individual coverage, 200k rm/year, unlimited lifetime limit, auto renewal.. at only rm100/month..

Family or individual.. GET THIS PLAN ASAP.

rm200 allianz

already claim close aroud 70k so quite worth it

Knee surgery 2 times

Few years apart.

what is ci???

No plan can change limit. Changes limit only can be done with new policy with new price (35year age price)

Actually what happen with those plan let say coverage till 70 yrs old and auto extend till 100. what does that mean? if i read the policy it will continue after age 70 if there is "saving" or cash value left in the account. am i right?