Hello All, :)

I'm looking for medical insurance for myself(33, Non-smoker) & wife(28, Non-smoker)

I'm an expat staying in Malaysia on EP.

Please suggest.

And also, if I should go for a medical card or investment-linked.

Thanks.

According to LIAM & BNM, yes but have to apply with T&C.

Basically for Policyholders / Certificate holders who are affected directly by the COVID-19.

For GE, Official statement is "Policyholders who have been infected by COVID-19 or under mandatory home quarantine or suffer loss of income as a result of economic impact of COVID-19."

Check with your agent for info.

This post has been edited by tyenfei: Mar 30 2020, 02:44 PM

Halo friend,

Will need more info for quote & proposal

Husband age 33 pass birth date? Occupation info?
wife age 28 pass birth date? Occupation info?

Hello,

Please find details as follows:

Myself: DOB 8th July 1986; Occupation: Sr. Business Development Manager

Wife: DOB 5th March 1991; Occupation: Market Dev. Executive

Hi, which country are you from and how long have you been working in Msia ?

I'm from India & working in Malaysia since 2018

I would advise that if you are planning to stay in Malaysia for long-term, i.e. settle down in Malaysia, go for investment-linked. If you are planning to leave Malaysia in the next few years, standalone medical card would be better.

Are you looking for long term stay or short term?

Hello all !

I'm surveying an insurance right now and not sure which is good but currently looking at Great Eastern takaful product called i-Great Aman.

1. I would like to know if its the right Company to start my insurance journey with due this is my first insurance ? Any tips ?

2. Do I always need to depend on my agent ?

3. Will there be any issues that I will face for claiming or hospitalisation when needed ?

4.Here is what were offered to me as below:

Monthly contribution: RM 200
Yearly contribution: RM 2400
Perlindungan Total Permanent Disability/Death : RM 60,000
Manfaat Khairat Kematian : RM 2,000
Manfaat Tambahan Pampasan penyakit kritikal : RM 25,000
Manfaat Kematian Kemalangan : RM 10,000
Manfaat Cacat Kekal Kemalangan : RM 10,000
Manfaat Emergency Accident Outpatient Treatment : RM 3,000

Medical Card Benefit
=============================
✔Room & board RM150
Coverage up to 180 days
✔Annual limit RM 900,000
✔Lifetime limit = Unlimited
✔Full coverage Takaful (100% Great Eastern Takaful cover)
✔Hospitalisation Benefit. Daily Cash Allowance RM100, tambahan RM50 jika mendapat rawatan di hospital kerajaan.
✔Manfaat waiver. -Sekiranya peserta didiagnos salah satu dari 45 penyakit kritikal atau cacat kekal, caruman takaful peserta akan dipercumakan sehingga berumur 70 tahun.

Saving fund
=============================
10YRS - RM 9,588
15YRS - RM 16,811
20YRS - RM 22,819
30YRS - RM 25,260

Free Car Assistance program: 1 No. Plate Kereta

Make sure ask experience from those already claim from insurances as well. Buying promised policy is one thing.

Yes true ! Thank you for notifying me about this issue.

I would like to know about the claiming whoever have experienced with GE before ?

Hi RAL,
If you are only looking for Hospitalisation only, then medical card may be sufficient. But if you want a comprehensive medical coverage including illness than an Investment Linked Plan may be more suited. Kindly provide more info on your needs.

Thanks,
Rajandran

The right company would be the one which cover your needs 👍

1. Looks good to me. Every agent has their own style of designing a policy. So make sure you understand how each rider can satisfy your needs. You can consider conventional plans if you are ok to explore.

2. There is a reason why you pay commission to your agent. It is to rely on him whenever you have a question or claim arises. It is all about the professional service to keep you informed. The agent also has to be able to commit to this career long term.

3. Preferably if your agent can do the claim process for you because agent understands your policy better and can do the follow up process for you.

GE medical benefits are a little outdated compared to other insurance company.

You don’t really depend on agent nowadays unless when it comes to claims or change of info.

Agents job is to give a sound financial advise from time to time

So we also need to depend on our agent a bit for the claims and process. I heard there is some cases that when the agent is no more with the Company, that time the person under the agent will face some difficulties right ?

Thank you for your kind advice.

Thank you for your advice on GE. So, I need to explore other Insurance as well.

Can you explain more details about not depending on agents ? I really need to more.

If that agent resigns, your file is passed to his superior / unit manager to manage. Your policy won't face difficulty but depends on that unit manager wants to service you or not.

You basically DIY on your claims / filling of forms to make any changes at the Branches / HQ if you don't want to go through your agent.

Your employer should be providing you with a medical insurance.
Do check with HR on that first, and then you will have clarity on what kind of coverage you would require.

I'm looking for an add on insurance to cover against uncertainties.