Buy CI36 needs medical check up?

My sister who is OKU and tried with Manulife and they asked to do this and that and then was rejected after the latest blood count shows anemia and hypertension.

In this case, can still proceed to buy CI36?

Some insurance  provider offer tailor made top up package to certain big Co. which use employer coverage as deductible.
Eg :

Co. cover medical RM 80k.
Top up plan RM 200k
In normal situation if staff spend more than RM 80k he need to pay out of his own pocket. But under this package let say the medical fee is 180k  the 1st RM 80k will be settled by employer as deductible and the remaining RM 100k will be paid by this takaful provider.

Because the deductible is high (RM 80k), the premium for the extra RM 200k is much cheaper compare to standard 200k medical card.
is there any insurance out there that can offers the same arrangement? Meaning client can choose the amount of deductible as to make the premium cheaper.

My insurance company (Greet Eatson) asked me to increase my premium and showed me a table of increases in medical charges of 35%!!! Why is this allowed at the first place? The insurance company reserves the right to price hike up to 50% every year according to the contract. What should I do? Just be slaughtered by capitalist?

Means technically they can increase the price 50% a year and I can't do anything about it? 

Hi all, I'm 23M non-smoker.
I got the quotation of 120/mo for medical card with 60 years sustainability and annual limit of 1.38m. I opted it for the flexibility of the plan which allow me to upgrade with better coverage later. I checked online for the premium of term plan which is greatly cheaper than ILP plan that I got. I do notice the factors that the price for term plan seems to increase once a few years. Perhaps, is it more optimal to select only term for my medical card instead of ILP? Of course, in this way, I would sacrifice the flexibility of ILP can provide. Can any sifu provide me some comments?

gais.. i'm 25, non-smoker, male.

I tried comparing insurance between companies and all i got is more headache. I just want a simple and affordable death or accidental damages, and medical. That's it. Any recommendation? 100-200 budget should be good.

Currently checking prudential (long term brand), aia (used by company,  and etiqa (coz im using it for car and motor lol). But I have heard bad from prudential. So no idea

Hi, I would like to know which medical plan is better for me.
I try to search the AIA, TokioMarine, GE, Prudential and etc, but I still not really understand it. Can somebody help me on this?
I am 25 years old guy (non-smoker), male, budget can be 100-250.
P/S: I quite interest to A plus Health by AIA

If close family member have common variable immunodeficiency, can i buy any insurance ?

1) How about people with bipolar disorder or obsessive–compulsive disorder? Can they buy life insurance, CI and medical card?

2) If they really need insurance, any advise for them in order to get an insurance?

Normally for such cases, what is the success rate? Or there is no chance at all. Is there any successful application like this from your experience?

If he/she disclosure the ocd or bipolar during application, how bad is it will affect them ? ( in terms of future re-application or application from other insurance company )

as per this....

KUALA LUMPUR, July 4, 2019— AIA Malaysia has decided to cover mental illness, believed to be the first Malaysian insurance company to do so.

The insurance company now provides coverage for depression, obsessive compulsive disorder, schizophrenia, Tourette’s syndrome, and bipolar disorder and postpartum depression.

https://codeblue.galencentre.org/2019/07/04...um%20depression.

Someone intro me to this group, not sure if anyone still reply but I have a question.

Which is should I separate my insurance policy? For example, one policy contain life and medical, another policy contain life and critical illness, and another policy contain only personal accident, etc...? It is really cheaper?  

Hi,

Let say If I get Cancer or Kidney failure, does the insurance companies provide full coverage for follow up treatment?

For example, if you get Kidney Failure, you need to do dialysis 2-3 times every week. May I know which insurance companies that provide this coverage? I don't want to pay and claim.

Hi, wonder if there are any insurance agents from Prudential or GE who can give me a ballpark figure for a medical insurance? I'm a 24, F, non-smoker.

Some of the things that I'm looking for include: unlimited lifetime limit, high annual limit (700k-1mil), guaranteed renewal, CI coverage, waiver.

Thanks for the quick reply! Probably up to 90?

Hi fellow gurus, i'm currently looking at different ILP (Medical + life) insurance plans from different insurance companies (AIA, Alianz, GE). Would like your opinions on the below. With the budget of RM300 per months, i've received quotations for these plans, Overall Annual limit 1.5mil -> (Alianz Powerlink, AIA A-LifeLink 2, GE - SmartProtect Essential 3) Which insurance plan would you recommend? Which company would offer more/ cover more important things than the other? It seems the plans are fairly similar, not sure what else to look out for. Most people recommend GE, AIA seems to be higher cost on the COI, Alianz i'm not sure.

I'm a 26 y/o, non-smoker, male, analyst.

The main differences that i've noticed from the insurance plans are..
a.)Q: Death/ TPD coverage of 100k or 50k vs Term of coverage (70 yrs old or 90 yrs); 100k plans are covered till 70 y/o, 50k plan is covered till 90 y/o, which plan is better? Is it more expensive to extend the TOC at y/o later on?

PA/ TPD amount of 100k
47 yrs (Alianz Powerlink)
44 yrs (AIA A-LifeLink 2)

PA/ TPD amount of 50k
Toc - 63 years (GE - SmartProtect Essential 3)

i. AIA
+ covers Riot and Civil commotion
+ PA/ TPD - 100k
+ No Claim reward (R&B + Health wallet)
+ REA Assistance Programme (International medical assistance)
+ Car Assistance Programme (Although covered by car insurance as well)
- Term of coverage - 70 y/o
- Intraocular Lens - 7k per lifetime

ii. Allianz
+ PA/ TPD - 100k
+ Cancer Genomic Test - 15k
+ Intraocular Lens - As charged
+ No Claim reward (Room and Board + COI refund 10-20%)
+ Global Expert Medical Opinion
- Term of coverage - 73 y/o
- lack of oversea emergency support/ assistance/ evacuation
- Lack of Car assistance Programme

iii. GE
+ Term of coverage - 90 y/o
+ Outpatient Imaging MRI/ PET - RM5k per policy year
+ Supreme Assist
+ Car Assistance Programme (Although covered by car insurance as well)
+ Smart Multi Critical Care
- PA/ TPD - 50k
- Lacks of No Claim Reward
- Intraocular Lens - 8k per lifetime

Based on your experience, which plan covers more? Are there any important features from the plans that i've missed out? Each insurance agent i've met are selling their own insurance plan...

Hi guys,

do you have any recommendations on a life insurance or whole life insurance policy that lets you borrow money against the policy?

Meaning, ie, based on the cash value of the policy at that point of time, say, RM100k, they insurance with allow you to take a loan against your policy up to 80% - 90% of the cash value.

I have been told by an agent that no such policy exist anymore.

Thank you in advance!

Hi Keith,

Thanks for the reply.

Do you know which insurance company offers this?

For now i have checked Prudential, and they do not offer such Traditional Plans anymore.

One of my parents Prudential policy received a letter stating the premium is going to increase by RM600++ in 2021 and previously there were already about 2 to 3 times such hike since inception

The issue is it seems to be a force increase with no option to maintain current premium and benefits

Of course, when contacted the agent for options to maintain current premium was always trying to taichi us by telling we can use the cash value to pay for future premium

The same thing happened to my policy as well a couple of years ago

The other company that my brother has bought his policy from, GE had also sent him a letter suggesting him to top up his premium but that wasn't like ours. His is with opt in basis, meaning only if he return / reply the letter he will be paying a higher premium

Can I know what options we have to maintain current premium and benefits, or the previously stated coverage / benefits are not guaranteed (meaning we cannot maintain current premium) and Prudential has all the right to always revise our premium every few years?

Like I mentioned, I can tell the agent is reluctant in revising the benefits for us, so the worst case is going to Prudential office ourselves

Many thanks!

The problem is the agent is not even want to talk about this and just told my parent over the phone that we can use the cash value to pay for the hike

Was thinking to go to the branch office and request the staff there to help me on this topic?
It is currently RM5,000++ so the hike is about 10 - 15%

However, my worry is they can again tell you they wanna hike for another x% in 2022 and so on

If like that, eventually in few more years the premium can easily hit RM7,000 to RM8,000... how to pay? I better surrender the policy and invest the money myself

Hey Adele, I remember you! The one that top up for parents to pump petrol full! Okay sorry for OT a bit!

Yeah I had read through the letter and the option there stated I should approach my agent in case I need to revise the plan so I did but all the agent did was keep taichi-ing that the cash value (surrender value) can cover it, which my aim was not to touch the fund but to remain at the same level as of now

The premium is now RM5.1k ber annum and it is gonna be revised to RM5.8k in 2021

I guess I can still wait for a while before really need to visit the branch during the pendemic as the coming payment due December 2020 will still be RM5.1k according to the letter (saying that they understand COVID-19 is impacting us financially)

The issue is we don't know how soon they will send another letetr telling us there will be another hike again like it is no end and it could easily end up us paying RM7k and so on which I think is already beyond our mean of getting an insurance

And, here are the summary of policy benefits from the online portal

Benefit Description                Benefit Purchased
PRULink Assurance Plan                MYR 40k
Accident Medical Reimbursement        MYR 2k
Accidental Death & Disablement        MYR 50k
Crisis Shield                                MYR 20k
PRUMajor Med 3                                MYR 100 (Room & Board)
PRUMajor Med 3 Enhancer                Yes
PRUMajor Med Plus                        Yes
Weekly Indemnity                        4 units
Yes this could be one of the options that I am looking for because the policy was supposed to end in 2 years time until the add on of 10y from either PRUMajor Med 3 Enhancer or Plus

But this info is not available, and hopefully if I need to visit the office then this option / info will be available for us

The policy was from 2005, 15 years ago when she was 53yo, now 68yo

No pre existing illness

I guess the age is the main reason why it is so expensive