Hi, would like to ask sifus here about recommendations for investment link policy for life/total permanent disability/ci

Age 32 non smoker

1.waiver in case of having CI/TPD
2.annual limit may be 1m++
3.lifetime unlimited
4. Cover till min 80
5. Life/ci/tpd payout 300k
6. Single room 300

Better to take deductible 1k for reduce monthly? And roughly how much premium will increase over time?

Budget around annual premium of 3k

Thank you.

Hi, thanks for the reply...roughly how much will be the premium based on this if wan to maintain the condition?

Thanks alot for sharing

Hi everyone, i have question about AIA A-Plus health medical card. It is specifically mentioned in the brochure that ''specialist consultation'' is covered. Does this means General Practitioner consultation is not covered? and does AIA cover consultation by more than one specialist? Thanks in advanced

For part 1, ''Payment will not be made for clinical treatment (including medications and subsequent consultation after the Disability is diagnosed)'', what is the meaning of ''clinical treatment''? means treating the disease without hospitalization?

For part 2, so lets say we have several scenarios :
Scenario 1: One GP and one specialist on the same day--> can claim specialist only but not GP
Scenario 2: One GP and one specialist on different day --> both can claim
Scenario 3: One GP and two specialists, all three on different day --> all can claim

Is my understanding correct? Thanks in advanced

Oh i see, If i consult a GP first, then the GP refer me to a specialist, and the specialist refer me to another specialist, all 3 consultation can claim right if hospitalization is required? thanks

For allianz medical card (medisafe infinite +), it specifically mentions immunotherapy , hormonal therapy and targeted therapy are covered under outpatient cancer treatment. Does this means for other companies like prudential and AIA, these 3 therapies are not covered?

Hi everyone,

Happy Monday!

Would need advise on the insurance plan quoted by an agent last week to me.



First concern: Was wondering if the monthly premium if too high for this ILP (anyone has similar package?) I know that standalone medical card and critical illness policies are definitely cheaper but I have done so much reading/checking and most independent websites recommend that Allianz Medisafe Infinite+ as one of the best choices for medical card but it's a rider type.

My focus right now is only to have better coverage for medical card and critical illness. I already have a few insurance that have higher payout for Life/TPD.

Another insurance agent from GE (a friend) mentioned that nowadays most insurance will always focus on selling ILP to customers for all-in-one package (since it's the trend) and of course, at the end of the day, it's the most commissions agents can get when selling ILP.  He did quote me a similar package for GE to match the coverage by Allianz but the monthly premium is higher at RM575 and I need to top up / pay extra since I wanted early payout for critical care, whereas Allianz already have payout at all stages.

Second concern: Allianz definitely have the holistic package but unsure how fast they process guarantee letters and claims.
Thank you!

Hi everyone, what is the best insurance?

Hi Everyone,

I really need your advice.

I am hepatitis B carrier, got from my grandparents then to my mom then to me.

I'm currently on follow up with hospital and taking medicine. My liver is recovering and i was undetected for so long already.

I wish to take insurance soon. So have few questions:

1. I don't plan on claiming anything related to my hepatitis b related disease in future. Should i declare and why?

2. If i don't declare, let say i want to claim/req GL for other illness, will they find out about my hep b? and will it cause problem to my claim for other illness that is not related to hepatitis b?

3. If i'm caught that i don't declare, what would happen?

4. GL is issued within minutes to hours, how do insurance company check on the medical background?

5. Say i'm currently following up on hep B with hosp A, but i want to req GL on other illness with hosp B. will insurance company know my medical record in hosp A?

6. will my premium become high if i have hepatitis B?

7. with my condition, which insurance package you think would be the best
Thank you in advance guys!

Hi everyone,

May I know, what is the best insurance for my dad that is age of 66 this year?

Perhaps with lower premium with good coverage.

He is healthy but diagnosed with glaucoma.

Thank you

Hi, not sure whether this is the right place to ask. I have a medical card given by company which covers Outpatient GP & SP. I would like to do an xray for chiro purpose but I know that will not be covered by insurance. Is there any way I can get the xray to be covered by insurance? Perhaps visit SP to get them to recommend xray?

Was talking to an insurance friend about medical premium sustainability, both of us own a medical card from AIA and her insurance sustainability dropped from 78/77 all the way to 70 yrs old in just one year and mine dropped 2 yrs. Was wondering if you guys face the drastic dropped in your insurance sustainability recently?

To add on I applied my medical card from AIA around 6 yrs back. I remember when I first started the sustainability was 78 yrs old if I remember correctly

Yes I'm aware of that but does the 'drastic' drop happened to all other insurance companies, as the  drop is quite drastic, even my AIA insurance agent surrendered her own AIA medical policy and sign up with another insurance company. Dropped 7 yrs of sustainabilities in 1 year is no joke.

The point is I want to know if there is a more affordable medical premium out there compare to AIA. I know couple of staff working for the company and they are making a fuss that the AIA insurances are generally pricier than other insurance companies.

Hi guys, i found that hong leong assurance is offering a medical card with 2.5 million annual limit but the room and board is just rm200. HLA is the only company offering such high annual limit with 200 room and board. Sounds too good to be true, is there anything i should be aware of here?

yes thats what i'm afraid of. will there be hidden charges?

yes thats what i'm afraid of. will there be hidden charges?

Hi, may i know is there any Life Insurance or TPD able to purchase for next age 64 and 62 ?

Currently have stand alone medicard.

Thank but i quick check few company entry age Max 60 ?