I couldn't check the exact insurance charges for standalone. Generally, standalone is much cheaper if you plan to pay for short term but will be more expensive than ILP in long term.

but its more expensive because of COI rises much more for standalone than ILP? Or is it because ILP has investment portion to cover the increase in COI so its more cheaper?

Basically the only thing is you start the waiting period all over again.

the COI increment cannot be compared like that. you can refer to the 2 product links i attached for you as reference.

Hi SwarmTroll, reply as per above.

Though it's generally said that ILP medical plan has a lower COI than a standalone, it's not necessarily the case for all age band. For some age band you may find that ILP has a higher COI than standalone plan. In some instance the benefits also vary that making a apple to apple comparison difficult. Also if it's a basic medical plan, the difference may be insignificant.

Halo SwarmTroll,

A bit hard to say which is cheap because both plan contain different type of riders. That's make the premium different in general.
And the end of days during old age, you will see the different very much.

Stand alone less rider. ILP usually more riders. Is fair because of more field covered.
So stand alone cheaper during younger age for sure.

To have a better picture. Suggest you get official quotation for both Stand Alone & ILP medical.

Let say if you are age30 male smoker now. Get the both type of quote from different companies.
Compare and check premium from age30 till age70.
COI can be see as well.

#Stayhome #Staysafe #Staystrong

Hi agents, do any of your have info how come the price of my insurance increase for 2 years in a row? Last year I know from the letter it was due to the rise of cost of living. But this year what is their excuse for raising the price again???

When I sign up for my current age I was just suppose to be paying rm800++, last year they increased it to rm1000++ and this year it is a whopping rm1300++. Would it be a waste of time if I call them up to argue???

Good morning.

I thought you queries were already addressed previously. Read the following link for more information. Or call your agent for more comprehensive explanation.
https://www.thestar.com.my/opinion/letters/...costs-explained

standalone ? probably because you reach another higher age range or there is an increase in the COI by the company.

Just like ur wantan mee hawker increase 0.50 cent, then next week increase another RM1, you still eat anot ? don't want then go elsewhere or don't eat at all.

hi Larry, cant comment much without knowing the details. If you don't mind, maybe you wanna attach the letter so we can clarify for you?

Hi, serious question about Insurance.

I decide to purchase Medical insurance from Etiqa, and also decide to buy Life insurance from Hong Leong Assurance.

No issue right if I purchase separate insurance at different companies?

hi cringe, not an issue at all you can purchase even life insurance from multiple companies.

No issue

Hi,

I’m class 1 worker, age 23, non smoker, dont want ILP, budget RM200 and below

1. AXA insurance is it good? Very affordable, RM52 can be bought already

2. Just looking for insurance plan between GE and Allianz. Which is better? I want to protection for CI, TPD/death, Life, R&B, medical.
Pls recommend me. TQ

Allianz don't sell non-ILP plans.

GE has some limited term insurance plan.

if you want all in one plan, you have to opt for ILP plans.

Halo Zoo How,

Assuming you pass age23 birthday, with monthly budget RM200 yes you can get GE medical plan for CI, TPD/Life, R&B , HB with annual renew medical.
But definitely ILP.

If you have budget issue, cheapest GE stand alone medical for your age around RM900. Got to pay half year or yearly.
Purely medical, R&B.
https://www.greateasternlife.com/my/en/pers...t-extender.html

Good morning.

You may consider AIA too.

Your annual budget is RM2,400; you could opt for

Death/TPD/CI - RM100,000 + Medical Card.

Can u PM me about the above mentioned plan? Tq

Can u pm the full package and coverage of the mentioned plan? TQ

hi Zoo Howl, do you have the plan illustration from AXA?

Hi sure,

The price is based on my gender and DOB


Attached thumbnail(s)

Hi Zoo Howl, this Axa plan is a standalone medical card which means it does not come with any life and CI coverage as well as waiver.