Recently bought an accidental coverage package. I been thinking. If accidental injuries and visit normal GP then can claim but the thing is is it really necessary ?

Because only accidental causes that can be claim. And if injuries medium might as well admitted to hospital to claim medical insurance.

Thoughts ?

In that case, it might be better to follow the adage, don't confuse insurance with investment? Just get a standalone medical card, money invest elsewhere and hope rich enough when elderly, or hope die young if poor investment skill.

I see...the life insurance portion is the one that allow rider. Thanks for the info. Appreciate it.

Hello all !

I'm surveying an insurance right now and not sure which is good but currently looking at Great Eastern takaful product called i-Great Aman.

1. I would like to know if its the right Company to start my insurance journey with due this is my first insurance ? Any tips ?

2. Do I always need to depend on my agent ?

3. Will there be any issues that I will face for claiming or hospitalisation when needed ?

4.Here is what were offered to me as below:

Monthly contribution: RM 200
Yearly contribution: RM 2400
Perlindungan Total Permanent Disability/Death : RM 60,000
Manfaat Khairat Kematian : RM 2,000
Manfaat Tambahan Pampasan penyakit kritikal : RM 25,000
Manfaat Kematian Kemalangan : RM 10,000
Manfaat Cacat Kekal Kemalangan : RM 10,000
Manfaat Emergency Accident Outpatient Treatment : RM 3,000

Medical Card Benefit
=============================
✔Room & board RM150
Coverage up to 180 days
✔Annual limit RM 900,000
✔Lifetime limit = Unlimited
✔Full coverage Takaful (100% Great Eastern Takaful cover)
✔Hospitalisation Benefit. Daily Cash Allowance RM100, tambahan RM50 jika mendapat rawatan di hospital kerajaan.
✔Manfaat waiver. -Sekiranya peserta didiagnos salah satu dari 45 penyakit kritikal atau cacat kekal, caruman takaful peserta akan dipercumakan sehingga berumur 70 tahun.

Saving fund
=============================
10YRS - RM 9,588
15YRS - RM 16,811
20YRS - RM 22,819
30YRS - RM 25,260

Free Car Assistance program: 1 No. Plate Kereta

Hie... Looking for suggestions for life insurance.
Planning to take 2M coverage for life and 500k for critical illness. Is it advisable to take under 1 company or multiple company ex 500k per comp to diversify. Kindly advise

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 everyone,

I'm planning to buy a medical insurance soon.

Details about myself:

i) In my late 20s.
ii) Not married.
iii) No dependents (so life insurance is not needed).
iv) No pre-existing illness.
v) Occupational Class 1.

Do you think a standalone medical insurance is sufficient for now or I should opt for ILP?

Any suggestions are welcomed!

Hello all,

Outpatient Cancer Treatment - Does medical insurance cover Immunotherapy & Targeted Medicine?

Call CS they give me subject to their department review.

Where can buy insurance (medical card) online without going through agent and then get rebate?

I bought GE life with death coverage 500k at rm150 monthly. Do we have cheaper package without investment link, purely death coverage. How much monthly premium will it be ?

GE have promotion for July sign up.
How to check whether I'm still under the 3888 sign up before I sign up?

Hi all sifus, is it big difference between paying premium yearly and monthly? Noted that ILP have the investment portion inside. Let say I pay by yearly, for the first month, the extra 11 month payment will go into investment account and been invest in the fund. But fund value will up and down. Is it better we pay in monthly, by average down the unit price like the concept of DCA?

Some said better upgrade with GE, some ppl said best to buy a new one. I am confused
Age 37

Hi guys
I am getting a 200k house loan and the mrta being offered for 200k is rm6500 (25 year) & my age is 34 non smoker.

Wonder if i go buy an basic cheap life insurance 200k for 25 year will the bank accept?

And usually how much will the cost of the insurance in this case?

Thanks

Hey there, details as below

29
Male
Non smoker
Financial Analytics
I need medical cost coverage only as a top up to my existing company insurance. Around 1mil for the major illness like cancer. Hoping to have this insurance policy as my back up and retirement insurance package.
Don’t need investment link, PA or critical illness compensation

Yes already has a policy but it's rather expensive, 1k a month,thinking if can get something cheaper

how to upgrade GE policy with higher coverage?

have an old policy from 2005.

Great Protectlink Insurance with IL Health Protection

Annual Coverage is only 50K
Lifetime 200K.. mana cukup

Paying rm375 x4 per year
Investment value got rm12k now

Shall i just cancel this policy and buy a new one with unnlimited Lifetime?  Or possible buy another policy as a second policy?

Thanks
The new rider will be still ilp or standalone? Is this a better option comparing to getting a new plan?

I am also looking for another 2 medical cards for wife n kid.

Currently all of us are under co group coverage rm30k per issue. So most prob get a deductible type as suggested by lifebalance

Hi all,

I have been working for a year since i graduated and now want to buy a medical insurance each for myself and my girlfriend. I am eyeing few companies specifically AIA, allianz, prudential and great eastern. I have look around the websites, but feel insecure to buy myself w/o the help of someone with the knowledge.

Preferably, i want to have an annual limit of 1m with low to non deductible (max 5k?). However, i am unsure how much will it cost me so not sure if i could pay off the premiums. So i might consider to lower it down to 500k.

I would to know how much does it cost for standalone medical card and investment linked w medical card as rider aylt 500k and 1m annual limit. So any agent willing to help me out or quote me a price?

Btw, can i lower down the portion paying the investment? I just want the flexibility of having an investment-linked insurance not the investment/return part of it.

Thanks sifus.

Dear sifus,

I am currently looking for medical insurance and came across Medisavers underwritten by Lonpac Insurance. The limit increases 10% a year and it seems like it is the cheapest in the market. Should I be aware of certain fine prints? Seems like this policy is the best, are there any other better alternatives?