I applied medical insurance from Manulife for my sister who is OKU in Intelektual and the underwriter at first requested for

1. Statement for their panel doctor
2. Statement from usual visit doctor

During this process, I have visited the doctors many times because of human mistake etc...

Then now, they asked again to do blood test. I wonder why don't they request it once at all and not one by one. I have spent may times in bring my sister to do all of these.

How about if after done all this, they rejected? This is business and I pay the insurance premium for them to "insure" one.

Hence, I am looking for others companies which can access all at once without spending my time to do one by one.

Please PM me.

Guys, im in my late 30s. Can suggest me the best insurance + saving plan?

Hey.. Anyone can give me an opinion about A-Plus Health vs MediSafe Infinite+ ? FYR, I'm 27, healthy, no smoking, no drinking, but family history got cancer.. prefer high annual limit + no lifetime limit with low premium (if possible).. I've tried to compare between two, but too complicated for me..haihh.. any sifu can give opinion between two? thanks so much!

For a fresh graduate, which should be the priority - medical insurance or term/whole life insurance? Getting both could be too much on the wallet, until salary increases or employer provides medical.

Hi all,

I have been working for a year since i graduated and now want to buy a medical insurance each for myself and my girlfriend. I am eyeing few companies specifically AIA, allianz, prudential and great eastern. I have look around the websites, but feel insecure to buy myself w/o the help of someone with the knowledge.

Preferably, i want to have an annual limit of 1m with low to non deductible (max 5k?). However, i am unsure how much will it cost me so not sure if i could pay off the premiums. So i might consider to lower it down to 500k.

I would to know how much does it cost for standalone medical card and investment linked w medical card as rider aylt 500k and 1m annual limit. So any agent willing to help me out or quote me a price?

Btw, can i lower down the portion paying the investment? I just want the flexibility of having an investment-linked insurance not the investment/return part of it.

Thanks sifus.

Hi, I've decided to surrender an endowment plan that I bought in June 2020.
The premium is RM6226/year and I have paid RM518.83 for 3 months.
My understanding is that I will not get any of the money back since I haven't made the full payment of RM6226 for the year.
Would still like to confirm with the insurance pros here, thanks 

i took 10 minutes to read the article you shared and also part 2.

Part 1, considering the complexity of it, i would say a good attempt to talk about such technical topics in this manner. of course i think can be improved, but not too bad la.

the article is right about this being applicable to all policies. but i think if you bring a non-investment-linked product and ask the agent how much is the COI, agent can't tell you, because it's not shown anywhere in the sales material. Not agent's fault. In fact only a selective group of people will know the amount in the insurance company.

Because in Part 2 of the article, they "draw" out the COI for the first few graph. Kesian agent if customer really ask.

Hi all, I'm 23M non-smoker.
I got the quotation of 120/mo for medical card with 60 years sustainability and annual limit of 1.38m. I opted it for the flexibility of the plan which allow me to upgrade with better coverage later. I checked online for the premium of term plan which is greatly cheaper than ILP plan that I got. I do notice the factors that the price for term plan seems to increase once a few years. Perhaps, is it more optimal to select only term for my medical card instead of ILP? Of course, in this way, I would sacrifice the flexibility of ILP can provide. Can any sifu provide me some comments?

Okay.. lower is better, more cash for my rigs 
And also thinking to get insurance for my parents, aged 46 & 51, non-smoking.

If close family member have common variable immunodeficiency, can i buy any insurance ?

Dear all,

are there any insurance companies in Malaysia that are mutually owned?

Hi fellow gurus, i'm currently looking at different ILP (Medical + life) insurance plans from different insurance companies (AIA, Alianz, GE). Would like your opinions on the below. With the budget of RM300 per months, i've received quotations for these plans, Overall Annual limit 1.5mil -> (Alianz Powerlink, AIA A-LifeLink 2, GE - SmartProtect Essential 3) Which insurance plan would you recommend? Which company would offer more/ cover more important things than the other? It seems the plans are fairly similar, not sure what else to look out for. Most people recommend GE, AIA seems to be higher cost on the COI, Alianz i'm not sure.

I'm a 26 y/o, non-smoker, male, analyst.

The main differences that i've noticed from the insurance plans are..
a.)Q: Death/ TPD coverage of 100k or 50k vs Term of coverage (70 yrs old or 90 yrs); 100k plans are covered till 70 y/o, 50k plan is covered till 90 y/o, which plan is better? Is it more expensive to extend the TOC at y/o later on?

PA/ TPD amount of 100k
47 yrs (Alianz Powerlink)
44 yrs (AIA A-LifeLink 2)

PA/ TPD amount of 50k
Toc - 63 years (GE - SmartProtect Essential 3)

i. AIA
+ covers Riot and Civil commotion
+ PA/ TPD - 100k
+ No Claim reward (R&B + Health wallet)
+ REA Assistance Programme (International medical assistance)
+ Car Assistance Programme (Although covered by car insurance as well)
- Term of coverage - 70 y/o
- Intraocular Lens - 7k per lifetime

ii. Allianz
+ PA/ TPD - 100k
+ Cancer Genomic Test - 15k
+ Intraocular Lens - As charged
+ No Claim reward (Room and Board + COI refund 10-20%)
+ Global Expert Medical Opinion
- Term of coverage - 73 y/o
- lack of oversea emergency support/ assistance/ evacuation
- Lack of Car assistance Programme

iii. GE
+ Term of coverage - 90 y/o
+ Outpatient Imaging MRI/ PET - RM5k per policy year
+ Supreme Assist
+ Car Assistance Programme (Although covered by car insurance as well)
+ Smart Multi Critical Care
- PA/ TPD - 50k
- Lacks of No Claim Reward
- Intraocular Lens - 8k per lifetime

Based on your experience, which plan covers more? Are there any important features from the plans that i've missed out? Each insurance agent i've met are selling their own insurance plan...

Can I know what options we have to maintain current premium and benefits, or the previously stated coverage / benefits are not guaranteed (meaning we cannot maintain current premium) and Prudential has all the right to always revise our premium every few years?


Many thanks!

To surrender the policy will be an option after 70yo but in this case we "rugi" because the PMM3 and Enhancer that we paid years before had already factored in additional $$$ for 70 - 80yo I believe?

Hi sifus, may i know what is the benefit for a young adult (25 to 30) to buy medical coverage till 80 yo instead of 60 yo?

Was told by one agent to go for coverage till 60 would be enough, as you are entitled to renewing anyway at 60yo, as long as you can handle the premiums.

just asking for knowledge,...
will it be lower cost to pay now, if for a young adult (25 to 30) to buy medical coverage till 60 yo instead of 80 yo?
if yes roughly how many % lower compared to 80 yo?

estimate? agar agar will it be about 20%?

The issue is even it said it covers until 100 but they can increase anytime in between. This really confused me. Then what kind of promise is that for covering us until 80, 90 or even 100? Whenever the cost increase they just said cannot sustain and please top up

Anyway, your RM3k for RM1mil annual limit sounds good for me but what is the lifetime limit? THe premium is only for medical or incl of others like CI, PA? And you bought at your 20s?

My own was started at RM1.5k and now slowly they increased to RM2k but the limit is only like RM200k lifetime but included crisis shield and accident

I would like to buy for my newborn (6 months) medical insurance.. Any plan i should look out for ?

Some agents keep push me savings etc. i dont want them. i just want MEDICAL!

Medical card cover up to 80 years old is enough? I saw some cover up to 90 years old and 100 years old.
If I upgrade from Prudential is it no need to pay both premium for a year?

Hi all, I am currently looking for a standalone medical card for my parent.

55 years old, Female, Non-smoking.
Just got a quote with the following:

Tokio Marine
R&B: 350
Annual Limit: 85k
No Lifetime Limit
Renewable up to 100 Years
Premium: RM2794

Lonpac
R&B: 300
Annual Limit: 150k
No Lifetime Limit
Renewable up to 100 Years
Premium: RM3172

Wondering is there any better options out there with similar premium?
Personally think that R&B can be reduced to 250. Any advice?
Is claiming okay for Lonpac?
Thanks!