Is there any additional cost for AIA Vitality?

Checked with my agent - it seems there are 2 more digit after policy number, which is not shown in my previous receipt, where I paid at branch...

thanks for the info guys!

Any plans for pregnant women that you can suggest?

I'm helping few of my families to pay. They don't have MY-AIA portal account.

I was quoted by GE and Pru agent with the following plan,


I am in dilemma don't know which to go for

By the way, I am 1992, M, non smoker, class 1

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

Hello Guys,

Out of the below-shortlisted ones, which one you think is the best?

AIA: https://www.aia.com.my/en/our-products/life...life-joy-2.html

Pru: https://www.prudential.com.my/en/our-produc...fant-care-plus/

Pru: https://www.prudential.com.my/en/our-produc...umy-child-plus/

GE: https://www.greateasternlife.com/my/en/pers...ect-junior.html

All this while i was tinking to take under 1 comp until someone came up with diversity, reasons incase in future cant handle the committee u still will have partial insurance then losing all in 1 go

Actually I have both Medical+ILP and Life+ILP. After around 2yrs buy the Medical+ILP plan. I receive the mail and ask for extra RM30 monthly.
After ask my agent, he said it will affect the ILP that proposed to me. If no add the RM30, just affect my ILP a bit.

That's why I wonder, if I want to buy extra life insurance(saw online is cheaper and only 70+ per month). Will the price increase every few years.

If it is fixed, than it is good to buy it since I still young.

Company insurance comparing with medical card insurance and critical illness.

Say company gave you insurance benefits like hospitalisation according to your position and grades and also free panel clinics. Will it be necessary to have own medical insurance assume working till retirement 55 years old.

Tq

I am not sure if our insurance is ok or not.

Insurance: Prudential BSN Takaful Health Enrich Premier

Age taken: 38y (H&W), 10y (Dotter). Healthy and no illness at that time.

Now: 44y & 16y
Coverage per person: -

Age: Until 80y (If I am not mistaken)

Lifetime limit: RM4,080,000

Annual limit: RM200,000

Preferred Hospitals: Suite Room

Other Hospitals: Deluxe/Single room. Need to pay RM300 as a deposit before warded. Will get back the money from PBSN.

Warded Allowance per day: RM200

Treatments/Clinic: 90 days after warded. Pay first and claims later to PBSN

Death/Disability/Critical Illness: Will get only about RM10K. This insurance covered more on the medical only.

However, if husdand or wife is contacted with the 36 critical illness automatically both premiums will be waived by PBSN for life and no need to pay premium for dotter until she is 21 or 25 years old (Can’t remember).

If dotter is contacted with the 36 critical illness, automatically dotter premium will be waived for life by PBSN. Not sure if premiums for H&W will be waived too. Need to check later.

In 2014, there were not much attractive offer from the insurance companies. Now so many and affordable.

Pls excuse me if I’m ignorant
Example: firstly, I’m covered by my company both life and medical. By the time I’m 55, there will b an amount that I’ve saved up for insurance. I then use this amount to purchase insurance at the age of 55 (let’s say)

Secondly, if I were to buy insurance at 30years old or 55 years old, the premium would roughly be the same? If not how much difference is the premium? The money saved for 30 to55 years old, could b use to purchase insurance at 55 years old

Thank you for your feedback. Yes, the medical insurance each covered for self, wife and my dotter.

The purpose of my posting is whether our current medical insurance is sufficient. We bought it in 2014 and that was one of the best at that time. Now i am 44 and to change to a new and better one will be expensive. Beside that o have already have illness although not that serious.

As a back-up, my wife is Pegawai Kerajaan and I have GL for government hospital (From my wife). Plus my sister (adik) is a specialist in UITM Hospital, Selayang (not hospital selayang). Plus without the GL from my wife, i am still covered for life for free from the government because I already donated blood more than 50 times to National Blood Center.

In term of life saving, as a seaman before and also working overseas,  currently I have cash: RM3,223,000 in my KWSP and ASNB. All my properties, land and cars were fully paid (No loans) and no credit card debt or personal loans.

I am still working.

My question is that, do i need to upgrade/change my medical insurance and also to get a life insurance from my condition above.

May I know is there any medical insurance where the insurance charges (not just premium) are fixed for the rest of your life?

Anyone know if this is even possible? Let say currently i am on AIA. The coverage is RM1.1mil and room&board is rm150(which I think this is a lil bit bothers me everytime i need to hospitalized, have to wait for room, else they will assign me to shared room.

And face amount is 40k

Paying rm380+ month

Is that possible if i get a better policy with AIA, without having to do a full body check up again?

Hello, I’m new to the forum and need advice with the insurances I currently have. I would like to apologize in advance if my questions are very dumb. 🙏🏼

I have AIA Lifelink 2 and it comes with a medical card, these are the details:

A-LIFELINK 2
Coverage Amount: RM 100,000.00
Effective date: 17-DEC-2018
Expiry date: 17-DEC-2094
Premium: RM 200.00
Premium cease date: 17-DEC-2094

And then I bought another life insurance, the PB WealthElite:

PB WEALTHELITE 20PAY@70
Coverage Amount: RM 500,000.00
Effective date:24-JUN-2019
Expiry date: 24-JUN-2064
Premium:RM 266.25
Premium cease date: 24-JUN-2039

I’m a freelance translator and the company I worked with has terminated all translation work yesterday. I’m still in shock right now because that was my sole income. Right now, I would to have some money in my bank account in case of emergencies, so I’m thinking of cancelling the PB WealthElite. I’m not sure when this pandemic will be over and when I will have a proper job, so I would like to know if it is alright to cancel it or not, since I already have AIA Lifelink? I think both insurances have similar coverage (correct me if I’m wrong 🙏🏼), just that the coverage amount for PB WealthElite is higher. I need advice hahahah thank you! 😭

anyone with Great Eastern here, I have a 10 year old medical plan which i would like to cancel. My agent is no longer in the industry so am wondering who i can deal with for this

Hi all,

I'm currently 28. Class 1 job. Non-smoker.

I only have MP Generali health insurance from my employer.
I searched around and sieved through what I found interesting and ended up with these two.

1. AIA A-Plus Health
2. Allianz Medisafe

I wonder can I get a good enough ILP for below RM180?
So far from my understanding, standalone packages tend to be more expensive along the years that is why I'm leaning towards ILP.
I have not engaged with an agent yet. Thought of getting some opinion in Lyn first.

AIA Medical Insurance A-Plus Health (Deductible)

Eligibility
Malaysian and Permanent Resident of Malaysia

# of Panel Hospitals
82

Maximum age of entry
70

Maximum age of renewal
99

Guaranteed Renewal - Yes

Co-Insurance - No

Deductibles Apply - Yes

Can anyone advise the pro and cons if taking this AIA insurance. Thanks