Critical illness coverage pays the money to you. When you have the money how you spend it is entirely up to you. Please note that there are survivorship clause of 7 (Early stage) and 30 days (Intermediate and Advance stage).

Medical coverage covers your hospital bills as per your insurance policy.

You have the option to have deductible or no deductible medical card. For deductible of RM5k, RM10k and RM30k, basically it means the first RM5k, RM10k or RM30k is payable by another medical card or yourself (Cash). By choosing such option it will drive down the Cost of Insurance considerably hence giving you a lower premium for the same coverage term as compared to a non deductible medical card. Retirement option basically means if you choose the deductible plan, at retirement age of 60 the deductible goes away and it becomes a non deductible plan. Perfect for people with company insurance or a lot of cash that wants leverage on Insurance company.

Best,
Jiansheng

This post has been edited by Holocene: Aug 27 2020, 04:16 PM

Hi everyone, im interested to get health insurance from AIA/GE/Allianz and i have mild scoliosis. I had never receive any treatment about my condition. May i know what are the exact exclusions that insurance company will impose on my contract? thanks

Most likely conditions relating to your spine. Finally exclusion comes from underwriter.

Best,
Jiansheng

For Scoliosis, exclusion will be applied for any complication related to spine.

means it depends on doctor? if doctor say the illness is caused by spine, then it is not covered. if doctor say it is not caused by spine, then insurance will cover?

Correct.

Based on medical inspection, the insurance underwriter may exclude coverage for some illnesses or benefits. Depending on the underwriting dept.

hi jhodyj, i dealt with client with mild scoliosis 2 months back. the result of the insurance application is TPD excludes spine and medical card also exclude spine (direct or indirectly caused). you can try apply and see, this could be the possible exclusion that you will have.

will insurance company requires me to do an x ray?

No need

you only need to submit the report that diagnosed your mild scoliosis. no need to do x-ray unless you yourself wanna make sure of the current condition of your spine.

Hi, everyone. I'm looking for the best overall value here. Hoping someone could make some recommendations.

1. I'm 29 and a non-smoker.
2. I'm looking for coverage of at least 500K to 1M.
3. I'm deciding between a standalone medical card + term life insurance or a comprehensive life insurance plan. As I'm aware, the first option may not offer cash value, and that's fine with me as long as the overall yearly premium is low. On the other hand, if the premium to obtain cash value is not much higher than the first option, I'm willing to fork out extra.
4. I'm looking for around 20y to 30y coverage, depending on which is more cost-effective (ie perhaps there are discounts offered for longer coverage).
5. The purpose of coverage is to cover mortgage repayments and living expenses.

Of course, if there are better options out there to what I've proposed, I'm more than happy to consider them. Thanks very much.

very clear and details need requirement
on this,
2. I'm looking for coverage of at least 500K to 1M.
5. The purpose of coverage is to cover mortgage repayments and living expenses.

just asking, IF just IF, you had an accident and needed to amputate your leg from just below the ankle or knee, will you continue to have the same income to cover mortgage repayments and living expenses?
if NO, then do consider coverage for those too.....(many covers lost of both legs, both hands or 1 leg and 1 hand,....but what about just 1).

This should be covered under Total & Permanent Disability, which is written together with life coverage. There are few definitions for TPD, would need to pass the test to qualify.

was TPD defined or means a person who is unable to do any work anymore?
thus lost of part of the hand or leg still permits that person to work, right?

something like this?
In general term, TPD may be fulfilled by one of these occurrences:

The person is not able to do any work, business, occupation or profession to earn any wages, compensation or profit.

Total loss of the sight of both eyes.

Loss of use of two limbs above wrist or ankle.

The person is not able to perform at least 3 Activities of Daily Living without the assistance of another person.

This post has been edited by MUM: Aug 30 2020, 09:44 AM

Thanks for the question! Since much of my work is based online, mobility is not the most crucial (though I'd very much like to keep BOTH my feet)! With so much of our work being done on computers these days, I suppose some form of coverage for hands could be vital. This is something I'm willing to look into. I'm wondering if coverage for TPD is offered separately, or whether it must be added on as a rider?

then what about lost of 1 wrist?
will that be crucial?
TPD may has limitation to qualify...
as posted above.

This post has been edited by MUM: Aug 30 2020, 09:52 AM

hi objectifyme, perhaps you can share more . how much is your mortgage amount and tenure (from now) and how much is your current living expenses?

yea yklooi. you brought up something good! in this case, then have to add on comprehensive accident riders that pays out partial loss of limbs and also unable to work for a certain period of time due to accident.

hi MUM, for loss of both sights, two or more members (limbs) or loss of 1 eye and 1 limb, these 3 is considered as presumptive TPD. for general TPD is like what you mentioned,
1. unable to work and earn income (more than 6 months) due to accidental injury or illness.
2. unable to do at least 4 out of the 6 daily living activities (transfer, mobility, continence, dressing, bathing/washing, eating)
3. disability that need constant care and confined at home/hospital/institution for more than 6 months

losing 1 wrist is crucial. can claim 50% from comprehensive accident benefit.

If you intend to take term life, you can go directly online to buy it though it’s capped at 500k per policy.

For comprehensive plans, it’s best to find a financial planner to do the proper discussion and implement the necessary suggested plans once you’re okay with it.

Yes, as mentioned previously, depending on nature of injury and if it does meet the requirements. You could include Personal Accident as part of your portfolio to cover other injury too.


Most life policies includes TPD without additional cost. There could be some policies that exclude, requiring you to pay extra premium to add on.