Buy CI36 needs medical check up?

Not unless you're got any health problem or buying a huge amount.

My sister who is OKU and tried with Manulife and they asked to do this and that and then was rejected after the latest blood count shows anemia and hypertension.

In this case, can still proceed to buy CI36?

Some insurance provider offer tailor made top up package to certain big Co. which use employer coverage as deductible.


Eg :

Co. cover medical RM 80k.
Top up plan RM 200k


In normal situation if staff spend more than RM 80k he need to pay out of his own pocket. But under this package let say the medical fee is 180k the 1st RM 80k will be settled by employer as deductible and the remaining RM 100k will be paid by this takaful provider.

Because the deductible is high (RM 80k), the premium for the extra RM 200k is much cheaper compare to standard 200k medical card.


is there any insurance out there that can offers the same arrangement? Meaning client can choose the amount of deductible as to make the premium cheaper.

maybe perhaps something like this?...
Deductible options of RM20,000, RM50,000, RM75,000 and RM100,000 to complement your existing medical coverage
https://www.prudential.com.my/en/our-produc...s/pruvalue-med/

i recalled a recent topic that are almost similar to your query...
check out post 959 of this thread...
All about PRUDENTIAL & insurance updates!, any insurance related issue are welcome
https://forum.lowyat.net/topic/2235659/+940

Do check with the insurance company if needed more in-depth confirmed clarification

This post has been edited by MUM: Oct 1 2020, 01:56 AM

May subject to loading / rejection depending on the readings.

Yes there are options with high deductible available out there.

hi jack, do you still have all the reports with you? since you already done all the checks required by Manulife and if you have all the reports kept with you, try to apply with other companies. Chance is minimal though but if you dont mind, can give it a try. if there is a company that can accept with exclusion and loading also consider good already. do update us again.

hi eddydo, you will definitely get 2 answers from different people which is "yea it is necessary" and "nah, its not". the best person to answer is actually you yourself because you know yourself best (risk that you can take, your financial status, your concerns, etc)

perhaps put it in another way, say your company got first aid kit to use, will you still backup one at home? or just use the one company has even though in emergency?

Yes, I do have a copy.

My insurance company (Greet Eatson) asked me to increase my premium and showed me a table of increases in medical charges of 35%!!! Why is this allowed at the first place? The insurance company reserves the right to price hike up to 50% every year according to the contract. What should I do? Just be slaughtered by capitalist?

It’s written in your policy book that the insurance company has the right to make adjustment to the insurance charges from time to time.

By accepting the policy from the insurance company, you are deemed to agree to their terms and conditions

some lyn threads did mentioned about increases ....
can you say no to the increase?....some mentioned that if you say no, but then your coverage years maybe shortened....

While waiting for value added responses, you can try read these threads to see if any info can be gathered to solve your query?

https://forum.lowyat.net/topic/4753108/all
https://www.google.com/search?q=insurance+i...w=2133&bih=1076

Thanks for the recommendation. Great help.

Ya from the policy u can say no but it will cut short ur fund in the investment linked account. So same only.

Young stupid me has accepted it many years ago

ok jack. perhaps you can try other companies. looking forward to hear good news on getting something for your sister

hi cy91, basically cost of insurance for medical cards are not guaranteed from the start. so yea technically speaking, insurance companies got the right to hike the price. of course when it comes to % of increase, they don't simply increase a lot actually. if not mistaken it is stated in the letter of notification when was their last cost adjustment. also with the medical inflation hike of more than 10% p.a., they have to adjust the medical card insurance charges. there is a news regarding this as well, you can read more to understand.

Medical insurance premiums rising at an unsustainable rate

don't say yourself stupid. you did nothing wrong. Agent should disclose all this info to you. at least you know now and you can review and make better decision trust me you didn't make a wrong decision back then.

Means technically they can increase the price 50% a year and I can't do anything about it?

You have a choice as a consumer to choose.

1. Stay with the current insurer on the same plan
2. Choose a different insurance provider
3. Change your plan
4. Downgrade to a lower plan

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?

Nothing wrong. ILP gives you a flexibility to add on additional rider besides just a medical benefit.

If you just need a medical insurance then you may choose between just a term or ILP.

A longer term life, say 30 years, will have a fixed premium for the whole duration, and not increase every few years.