hi darksin, what concerns do you have among these 2 plans that you are comparing? what about the agents, whom do you trust more in terms of able to service you and being honest with you?

Maybe you want to take a step back and ask yourself what is it that you want covered. Is the insured amount sufficient to cover all your financial risk; any potential areas not covered or coverage is insufficient, just to kick start your thinking process.

Thanks for sharing.
I asked my family to get full policy number from agent, apparently there are some numbers hidden behind the policy number shown in previous bill...

This post has been edited by xeon1989: Apr 8 2020, 01:05 AM

hi Xeon, there is another 2 more digits behind the alphabet. yea, hope the agent can send the full policy number to you asap.

What will be your main priority / concern of coverage at the moment ?

normally without the last 2 digit also can transact. Maybe regards to payment now it's more sensitive.

For your budget and age, I wouldn't advise to go for co-insurance. Technically 160 types of CI is inclusive of early stage and late stage of CI, so it's equivalent to GE's 45 types of CI coverage. If you want to lower your budget, you can consider to decrease the annual limit.

Waiver is not mentioned in both of the quotation. So you have to take note of that as well. You won't be required to pay for the premium when you get CI/TPD if you have waiver rider.

My friend is same age as you

His current medical plan is
Life : Nil
Accidental death : RM 100,000
36 type CI : RM 100,000
Room 200
Annual Limit : RM 1,000,000
Co-insurance : Nil
Only RM 930 per year.

Thank you. Yes, after getting the full policy number with the missing 2 digits, payment went smooth.

Not sure about the other payment method, but maybank2u require full policy number with digits behind.
Without digits it ends with "Wrong account number" error.

good to know that Xeon. yes indeed M2U need the 2 digit after the alphabet, this is the required format.

Which would the best pregnancy coverage for one who is at 6weeks pregnancy now? She only has HLA medical card.

You can consider SmartProtect Junior from Great Eastern.

For pregnant mother's coverage, it includes coverage including life, accidental death and premature delivery of the baby. For pregnancy complications, it includes 7 types of conditions like fatty liver pregnancy and placenta increta.

19 types of congenital conditions or birth defects of the child is also included in the coverage like Down’s Syndrome and Cerebral Palsy.

Take note that there is an entry age limit for pregnant mother which is 13 weeks to 35 weeks of gestational period. Gestational age refers to the length of pregnancy after the first day of the last menstrual period. So she still need to wait for 2 more months to be eligible.

You may consider this:

https://www.aia.com.my/en/our-products/crit...fe-lady360.html

hi drbone, does she wants the baby in the womb to have medical card as well? or just to cover any pregnancy complications?

To cover for pregnancy complications

ok drbone, she can look into either AIA or Prudential plan specifically for ladies that also covers pregnancy.

A-Life Lady360 by AIA
PRULady by Prudential

The area that AIA covers is slightly more than Prudential hence the premium is slightly higher too. If she wants to get a medical card for baby in the womb, can bundle it together with AIA's one as well to earn more cash benefits. Else, the Prudential one is sufficient enough, Prudential's lady plan is the pioneer in the market as well.

Hey Guys,

Sorry to barge into the discussion. But out of curiosity, is there any option to insure baby in the womb as well?

And, if there any insurance plan that covers baby in the womb + mother?

Please share recommendations.

yes there is, you can look into prudential / AIA for the plan.

can you recommend some plans, please?

to help you get more info and more focused on your query....
try this....
There are many types of insurance plans being offered, in this article, they will be looking at the three most common and relevant to all of us.
https://www.ibanding.my/the-basics-of-malay...ne-should-know/

mother and baby in womb insurance plan Malaysia
https://www.google.com/search?source=hp&ei=...Q4dUDCAY&uact=5

after that, decide on what you want....
then at minimum state your occupation, age, budget or coverage amount,.....


This post has been edited by MUM: Apr 16 2020, 04:46 PM

For aia you can try lady 360 with a life joy