i use prubsn anugerahplus which is medical card rider plan, the life insurance portion i only pay rm15 per month(which is the bare minimum rm10000 sum covered) and those medical card give significant more coverage compared to stand alone medical card.

the insurance version want probably cheaper, so if you only seeking for medical card only, then just ask them to configure the plan with the lowest sum covered.

let see,
i use AIA for the calculation
you need to pay rm2805 per year for rm15000 sum covered (this is 20 years plan), with 5% profit per year, you will get rm750 per annum (dont forget remark Sila ambil perhatian bahawa pulangan pelaburan adalah TIDAK dijamin), so there is high chances you will not get 5% interest out of it.
does this sound good for you?

when the plan matured you get 150% out of sum covered, not all the money you invested into it.

This post has been edited by zerorating: Dec 31 2019, 12:16 PM

im talking about this saving and investment plan, this is not medical card, but you could apply medical rider out of this.
https://www.aia.com.my/en/our-products/savi...richgold-i.html

tutup buku la.

like insurance you are paying money per annum in order to get some protected value, this is what the called as sum covered. this is not like traditional saving like it you put rm2000 in a year, you are getting interest on thosse saving, the sum covered is like i give you do this amount fund from the start, so every year you pay me principal+interest, if every year got untung, i let you keep the untung. after the policy matured, i give you the agreed sum covered + bonus.

bahasa mudah, i give you loan for this amount, you pay me every year/month. since the loan amount is kept by me, i manage the fund for you, if got untung, i give you some, after 20 years, i give you hefty money, but we are done now.

make sense?

it is one of the ilp offered by aia, which allow you to attach a rider medical card .

okay i got it wrong



This post has been edited by zerorating: Dec 31 2019, 01:48 PM

it only guarantee sum covered given upon maturity.
im not a participant of this, probably got guarantee untung