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TSnaiveboy
post Dec 31 2019, 07:48 PM, updated 6y ago

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Hi,

Could you recommend me a good medical insurance for 62 years old female?

Budget is around RM2000 per year.
Have to be like no need to pay any money first then claim back, in the case of hospitalisation.

Thank you.
kidmad
post Dec 31 2019, 07:51 PM

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QUOTE(naiveboy @ Dec 31 2019, 07:48 PM)
Hi,

Could you recommend me a good medical insurance for 62 years old female?

Budget is around RM2000 per year.
Have to be like no need to pay any money first then claim back, in the case of hospitalisation.

Thank you.
*
No such plan... Anything after 60 years old the premium would be approximate rm10k... Those term insurance once hit 50 years old you can't buy them anymore
Captain89
post Dec 31 2019, 07:53 PM

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QUOTE(naiveboy @ Dec 31 2019, 06:18 PM)
Hi,

Could you recommend me a good medical insurance for 62 years old female?

Budget is around RM2000 per year.
Have to be like no need to pay any money first then claim back, in the case of hospitalisation.

Thank you.
*
Very expensive. You can't find 2k insurance anymore for that age
TSnaiveboy
post Dec 31 2019, 08:40 PM

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QUOTE(Captain89 @ Dec 31 2019, 07:53 PM)
Very expensive. You can't find 2k insurance anymore for that age
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If it is still available to buy, how much it will cost?
Possible to recommend one? Thx.
rin66o
post Jan 1 2020, 12:29 PM

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You can check axa insurance online

This post has been edited by rin66o: Jan 1 2020, 12:29 PM
bukechi
post Jan 2 2020, 11:14 AM

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consider other type of insurance? the one you looking a bit out of your budget
aquos
post Jan 2 2020, 12:51 PM

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I think they will usually only insure until age 65. At 62 full medical checkup will be required.
Cyclopes
post Jan 2 2020, 01:04 PM

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QUOTE(naiveboy @ Dec 31 2019, 08:40 PM)
If it is still available to buy, how much it will cost?
Possible to recommend one? Thx.
*
A basic standalone medical plan may cost around RM4k, without additional underwriting. Given she is aged 62, she would likely be required to pay additional premium based on medical underwriting. Declare all health conditions so that later you are not denied for any conditions not previously declared.
Scud_eSpade
post Jan 2 2020, 07:21 PM

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QUOTE(naiveboy @ Dec 31 2019, 08:40 PM)
If it is still available to buy, how much it will cost?
Possible to recommend one? Thx.
*
RM3660/year for 62 year old.. MediSavers Ehsan S75SP with RM225 room rate, limit per disability RM967k and no lifetime limit (cover till year 2115)... healthy condition only
SUSuamcy
post Jan 2 2020, 10:15 PM

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QUOTE(Scud_eSpade @ Jan 2 2020, 07:21 PM)
RM3660/year for 62 year old.. MediSavers Ehsan S75SP with RM225 room rate, limit per disability RM967k and no lifetime limit (cover till year 2115)...  healthy condition only
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Even healthy conditions still considered very high risk. After subscribe, need wait for how long only can claim?
Scud_eSpade
post Jan 3 2020, 04:44 AM

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QUOTE(uamcy @ Jan 2 2020, 10:15 PM)
Even healthy conditions still considered very high risk. After subscribe, need wait for how long only can claim?
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30 days can use but first 2 years pay and claim. After 2 years can use Gurantee letter. Thats why better to take medical card earlier

 

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