thanks for your explanation, i do aware such factors, especially those factors are uncontrollable by us as contributors. Prudential own the social responsibilities too but when i asked for slight detailed info, instead of general statement ...prudential just keep quiet...
i need the data to analyse further..
i am 45 this year.....

i may not able to analyse it as a data scientist, however,  and i have some skills that is helpful to interpret the figure and processes/procedures; figure is the result of everything we did. That RM50 increase a month, why shall i just give as you said cost increase, we as consumer, we have the right to know and reasonable ground to ask question and voice our feedback. what we see here is not just the financial/benefit to us, but a social value that prudential has created for our society!

so without figure, i am not able to tell what am i going to do, by just telling me you increase from 1 to rm10. how? if may purchase another standalone medical as back up ; that is another story.

imo, this is the problem with the insurance industry: PERCEPTION vs EXPECTATION

we were sold/advised by agents on the PERCEPTION that the policy benefits/premium is "locked" or perpetual throughout its validity.

good, honest, and ethical agents would inform about the COI, sustainability and provides explanation. we are free to keep asking for details anyway. However, not all could/would understand fully the tail-end impact; and agents would likely "skim" through the explanation, for now, since they want you to know the protection/benefits you could gain for short term period.

in the long run until age 70/80/90+, nobody dares to give solid explanation because of the uncertainties (ie medical insurance cost increase). we would expect buying insurance is to protect us from THAT increase by locking the policy/premium NOW.

also, the way insurance is structured, cant blame the agents entirely.
the EXEPECTION from us, however, is simpler. I want to pay X amount that i agreed, on monthly-basis (example), and forever pay that premium so that I "know" there wont be more burden/commitment in the future until my age 70/80/90+.
in reality, based on how the insurance structured, majority of us would get shocked/uneasy with the way insurance agency "markup or increase" premium as and when they want (less knowledge/understanding about COI and sustainability of their policy)
imo, there's no right or wrong, but more to education and awareness particularly to COI/sustainability instead of plainly policy coverage (which can be spelled out in tens of pages easily by insurance providers).

just my 20sen

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?

Yes. So I just wish to know the rough figure only and see it's worth the cancelation.
Just aware there is insurance plan like this. Thanks for this information. Do you happen to have the contact of agent in selangor/KL area?
Thanks. Just realise there is an alternative like this. Should have opt for this when bought my current insurance.

Which company providing standalone Critical Illness insurance other than Great Eastern / AIA? I'm doing research online but unable to find, plan to buy one which my current medical insurance not covered too much insured of CI.

Or just suggest I to add on for my current insurance? (Prudential)

Thinking of getting MRTA/MRTT separately for a mortgage loan (without going thru bank). Does anyone know the rough quotation? Assuming 1m loan 35 years tenure.

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?

repost here

may i know any overseas protection of medical card？？

28
Male

Budget is rm2600

If i want to buy a ilp 36 deseases,accident,death plus medical card?
How much should i paid?

Age 28

Non smoker

Hi.

I'm 28 years old (DOB 21/11/92)
Non smoker, single,malay female.
No history of chronic/severe medical condition.
Had asthma attack once in 2017 (rarely happened)
I worked as a gov pharmacist (contract)

I'm looking for life insurance.
I'd like to cover for TPD & CI (or maybe +coverage for early stage CI) as well. I don't have much emphasise on medical card (if low coverage/budget for room is acceptable as long as it can cover for any surgery etc).
Expected monthly budget around RM250 (maybe can limit up to RM300, depends on the insurance package and its advantages).

I've no or little knowledge about insurance thingy.

Please give me some suggestions & guidance. Thank you.

Hi, I'm looking for a non investment linked medical insurance for my 31 year old friend with at least 1mil annual limit and renewable yearly. How much is the estimated cost per mth? Thanks

Hi, I am 31 malaysian single male non-smoker

Am getting married year 2022 and probably moving to Singapore afterwards to join my fiancee for work.

Looking for medical + CI
Life when I have dependants later..

I am being sold investment-linked Pru(withyou) until age70 by my part time agent friend, RM 180/month for a Plan 200  (RM200 board PRU Million Med with RM300 deductible), RM 10K Death & Disability, and basic accidental benefit. It comes up to RM 2,160/year

I am also looking at AIA A-Plus Health and probably add a CI on top. I saw online that AIA A-Plus Health cost RM 1,029/year for Plan 200 with RM 300 deductible, with added benefit of subsidized health screening or vaccination up to RM 300/year. Heck, I could also take Plan 300 for RM 1,235/year, and still have money for Critical Illness.

The cost here is the deal breaker for very similar coverage. Why is it so different. Am I missing something?

Ah ok, I have already went to AIA website to "talk to a Life Planner". Hopefully they will come back to meet & quote.
My fiancee is working there for probably max another 5 years. So when she comes back, I will, too.

What is the best affordable insurance for people over 70 now ?

Life or medical type offering ?

Sorry I mean they are 68 now, but their son want to continue cover insurance over 70 year old

One person only for now, cheapest available ? One agent quote him almost rm700 per month which is expensive

Can an unemployed Individual or a student get insurance? Unemployed in the sense of no job as of now and currently studying. No salary and  allowance. Is ilestari 500 per month considered income?
If any agent here if you can advise, let me know via pm also can.
Used to have PA and medical coverage previously but lapsed due to some personal reasons.

Thanks!

will the insurance company actually go verify the name of the company?
do you need to get a company letter or provide payslips to buy insurance?

one could be working at the date of applying for the policy but resigned the next day too.

i lestari is withdrawal from a/c 2.
if you can qualify for ilestari of RM500 pm....than means you have "'alot" more than many people in EPF 

Ok good to know. But which in your opinion is the best for starters?
And I'm also curious, in what circumstances will payout not be granted? From what I learned in insurance part training in my previous job, say the client has heart problems, so if the client passes on, payout will not be given due to this as the cause of passing on. Someone can explain?

Hey guys, a quick question for the AIA insurance agents - Yesterday I had a brief presentation from an agent and she mentioned that for medical there will be a rm500 deductible. is this normal? I am looking for a comprehensive plan however that focuses more on medical and critical illnesses. Appreciate the reply in advance.