Hi, I'm shopping around for an investment link insurance policy with medical card rider.

I am interested in medical card rider that still offers daily hospital cash allowance (upon admission in private hospitals). Insurance providers such as Prudential no longer offers this. They only offer daily cash allowance upon admission to government hospitals which is not relevant in my case.

Can anyone tell me which insurance providers still offer this please?

Hi，

Currently I'm paying RM 220 monthly premium for the medical insurance. At the same time, company has also provided insurance to me as well.

That's why I'm planning to cancel my personal insurance, and buy the insurance later in life, maybe after 40 years old.

I would like to ask what is the projection of the monthly premium for personal medical insurance in the next 5~10 years, for a 40 years old male.

Another alternative is to have an insurance now with lower premium, less coverage. Anyone got any suggestion?

Thanks for the advise. Interested with the allianz plan.
I'm planning to opt for below package. Compared to existing premium, I can save around RM 60k by the age of 60 for me and my wife.

Insurance provided by company : 30k annual limit.
Allianz plan ,coverage 30 years with 30k deductible: +1.5M annual limit

However, I still have concerns as below.

1) Insurance provided by employer normally will be renewed annually. If got CI, will the insurance company allow renewal of the insurance for the 2nd year?

2) If due to CI, have to quit the job and lose the company insurance. From 2nd year onwards, do I need to fork out the first 30K for follow-up treatment and hospitalisation cost, before entitled to the coverage from Allianz?

Appreciate your reply.  Now I am affirmative with what I need to do. 

I have another question on the qualification of insurance agent and/or financial planner.

I find out that I can look for a registered life insurance agent/financial planner with the following search engines attached:
https://www.liam.org.my/customer_zone/?c=15&ct=2
https://www.fpam.org.my/cfp-members-list/

(1) If any agent/financial planner was not found in this database, does it indicate that they running the business "illegally"?

I encountered an agent self-claimed a "wealth planner" (ain't even financial planner, but I assumed it's probably referring to the same profession),

The agent is holding the title of "CMFA", "MDA" too.
(2) What do the titles signify?

Hi,

My sister (26) is planning to get a medical card and critical illness policy. She is contemplating whether to go for a standalone medical card first which is cheaper or ILP which bundles up life + medical card + critical illness. For now she does not have any dependence, so is thinking that is it really worth it getting an ILP life insurance..

Hi Sifu here,.

Wanna ask any Allianz agent here,  currently holding Allianz Powerlink with CI and medical rider since 2013.
This month, my agent talked to me if I want to upgrade my current medical plan to a better benefit one. He gave me a quotation, by phone, the suggested premium will be increased from RM150 to RM230 monthly. My age is 44. After increase of premium, the policy can sustain until the age of 58.

My current benefit:
Death and TPD : RM60000
Critical illness : RM30000
Medical : R&B RM150, annual limit and lifetime limit : RM1 million, can upgrade to RM850K annual, unlimited for lifetime.

I asked him was it possible to pay RM200 monthly? He said cannot, RM220 was the minimum premium I need to pay in order to sustain until my age at 58. I said I can reduce the benefit of death, and mainly focus on medical protection. He said I still need to pay at least RM220 even reduce my death benefit?

So any Allianz agent here willing to use your Allianz quotation system to help me calculate the minimum premium I can pay? Is it die die must pay suggested premium, cannot be lower than it ? I know if the increased premium is too low, it cannot sustain longer. But I just want to upgrade first, for better benefit. I don't mind top up more when I get older.

Hmm, its for my son, 3 yo. The GE insurance agent told me if not purchase wuth ILP then no guarantee renewal.