Looking for best medical insurance

Age 30-35

No budget

Any recommend ?

can you recommend some plans, please?

Want ask,
Does life insurance important?
Got 1 AIA insurance, but just know it only cover 23k if anything happen,
But medical card pay by boss.
Is 23k for insurance low?

in force mean what ?

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

let me check it.

I am trying to buy for my sister who is OKU in "intelektual' but Manulife wanted her to do medical check up and premium is high.

I don't see there are any valid reasons for the needed to do medical check and impose high premium. Don't tell me intelektual has higher risk in all diseases.

Is this one kind of discrimination?

Intellectual is due to lower IQ and not because of mental disorder etc.

for term life insurance coverage around 200k, for 30 years, which online insurance platform the best?

Both plans offer sustainability until age 60..
I only want to cover for unexpected accidents and CI. But I read a lot of comments saying that ILP plan is not that good as compared to term insurance.
Should I be concerned?

Hi guys, thanks for putting in so much insurance content in this forum.

I’m looking to get a stand-alone medical package from AIA - med regular and med booster. If you’re an agent, please pm me.

Hi .
I am looking for standalone medical card for my mum and dad.
Kindly pm me for more details.

Thank you.

Maybe they don't want to reveal too much info in public

Hi Guys, need your advice if i'm overpaying for my insurance premium. I got AIA insurance 6 months ago from a fairly young agent. I was told to get ILP to keep yearly premium low. Im 28 this year.

Yearly premium : RM 3072
Coverage Amount: RM50k
Annual limit: RM1.5 mil

A-lifelink 2 with A-PLUS DISABILITYCARE, ACL1 A-PLUS CRITICALCARE, ATA1 A-PLUS TOTAL ACCDSHIELD, ACS1 A-PLUS ACCIDENTSHIELD, A-PLUS HEALTH, ECI1 A-PLUS EARLY CRITICALCARE, MCC1 A-PLUS MULTI CRITICALCARE, AHE1 A-PLUS HOSPINCOMEEXTRA.

Initially the agent came up with a plan that cost RM7k yearly. I almost fainted cause all i asked for was basic plan with medical coverage. After explaining further on my needs he came back with the current plan im on. I still find this expensive, will have a discussion with him on removing some of the riders. Not sure if the age of the agent played a part since he is quite new to the industry and probably money driven 

It wrote something like 6000 x 15% = 900 interest 1st year
6000 x 15% = 900 interest 2nd year
3rd, 4th, 5th
Total interest you earn for first 5 years is 75%
Than my mum wow, such a good deal, where find
At the beginning, my mum wish to intend a total RM50k (she assume RM10k first year, 10k 2nd year, 3rd - 5th), and proceed it with one goal RM50k, yeepy, just left it there 5 years, wait 5 years maturity then she will get RM50k plus yearly 15% (1.5k interest), 50k for 5 years for another type of "FD" (my mum thought it's new style of FD), it will become 50k plus 37,500 interest (total 87500), great deal right?

At the end it become RM50k yearly contribution. And the most terrible part is, my mum hate 'insurance'. She always murmur beside me yearly regarding that she bought a yearly 6k annual premium medical+ life + lil bit of saving, and thinking to surrender every year to save back the 6k 'spending'
Imagine, sounds ridiculous but it does happen

During my dispute with the advisor, i keep focus on this point, did you really expect my mum understand, especially they use those wording that uneducated senior that won't understand, ex. like circumstances, but not mentioning situation.

The draft paper wrote by the agent, i left it in my office together with the policy.
Probably i try to post it here on Monday due tomorrow's holiday and im not working during weekend.

For me as a insurance beginner knowledge, there's "trap" everywhere, especially for me.
I'd learned sooo much of these knowledge for these 3 days. Appreciate sifus here.
Now only i understand why some insurance expert always mentioned
You buy insurance, it's insurance, it insured something like health and etc, it's neither saving nor investment.
Im guessing for public people like me, as a consumer for these products, once we know the concept, then we just understand.
The link you provide is great for people like me, that's not truly understand insurance.
Great example too, it's like "trap" of wordings and etc everywhere

At what age do you all bought your first insurance? I am young and fresh out to the job market. When should I start covering myself? Also, any recommendation for me?

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?

yeah i thought of that too, but their medical card lowest annual limit is 2.5m