good to hear that, gratz

Thank you. Few companies do not want to offer life insurance as well.

For comparison.

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!

Newborn 6 mths, if you want a comprehensive plan then investment link policy will be recommended.

You can add on benefits like Payor waiver whereby if you the Payor for the plan dies, the insurance policy premium payable is paid by the insurance company until the child is 25 years old.

If you don’t want such benefit and solely want medical only then you can apply for a standalone medical card.

Feel free to ask me any further questions if you got any doubts

This post has been edited by lifebalance: Oct 15 2020, 12:21 PM

A standalone medical plan should meet your needs, but ILP gives you better options including payor benefit that Keith mentioned.

Hi, I am currently looking for medical insurance. Any recommendation from you all? Thanks. I am 26 this year.

from AIA site,...
TOP 5 QUESTIONS TO ASK WHEN BUYING A MEDICAL INSURANCE PLAN

https://www.aia.com.my/en/what-matters/fina...dical-plan.html

Below are the latest existing plans in the market. Depending on your personal need and preference, can't go wrong with either of these companies although the premium chargeable is different.

AIA A-Plus Health
Allianz Medisafe Infinite+
Great Eastern SmartMedic Million
HLA MediShield III
ManuLife ManuHealth Elite
Prudential PruMillion Med

If you need any further advise, let me know

what do you mean undersold allianz medical card?

it seems allianz is good

I have MANULINK PRIME @80 which I pay 240 a month. Thinking to surrender this and buy the stand alone one.

This post has been edited by jack2: Oct 16 2020, 12:21 AM

If u have this thought of surrender your existing plan and go for new plan. Pls keep in mind, start the new plan for 1 year only surrender the old plan. The reason to ask to do so is waiting period. not 120 days but 1 year to be safe.

FYI for Allianz plan, there is no standalone for it.

I have prudential and prudentialBSN bought 10 years ago and recently bought Manulife Elite medical one ....

it has been 3 months and I should not cancel the existing both plans now but to wait another 9 months?

Really? I didn’t know that 😎

Interesting, safe from what exactly ?

I will advice to wait another 9 months. but still up to you to decide to cancel now or 9 months later.

Do keep in mind suddenly next month in need to for a cyst operation in Dec, Manulife has the right to decline the medical fees.

hi jack, to be exact, it is the contestability period that you need to be aware of. any new policy that you bought, there will be a 2 years contestability period whereby during this 2 years insurance companies have the right to investigate before approving any claims. so policyholder bears the risk of paying the amount of money (for medical expenses in this case) to settle the bill, then only submit to company for investigation purpose.

actually Manuhealth Elite is consider a good card and also is Manulife's latest medical card. not sure what other benefits you have in the plan. perhaps you dont need to surrender the whole thing. if you wanna change the card, you can opt for other companies one and just remove the medical card rider. life/CI insurance can remain.

The MH150 itself is 150 monthly but I am paying 240 for the PA5000 and life 3900

ok. from what you mentioned in a few posts before this, you are paying RM240/month for Manulink Prime @ 80. there is only Life Insurance 3,900 and PA 5,000 and medical card MHEB150 right? not really many benefits i will say. at what age that you apply for this plan? if you were to apply a new one, perhaps you can also think of risk planning on life/CI insurance (if you want it).