Hi,
I just bought the Allianz for MediSafe Infinite+ base plan with other rides like power link, etc.. In the policy schedule summary page where it listed benefits summary and premium dates, it stated the maturity / expiry date for all benefits is 2040 (which mean i will be 67 years old that time). But the agent said it is cover till 100 years old and will renew to 100 years old when it mature at 2040.
Is it true that it will be auto renew till 100 years without any terms?
Just worry when mature at 2040 that time, suddenly it will say other terms like health, etc.

Hi masters,

I realised that my Great Eastern medical insurance was actually an investment-linked life insurance with medical cover packaged together.

What I have is Smartprotect Essential 2, with add ons:

Premium Waiver
Critical Illness
Smart Medic + SMX
Hospitalisation Benefits
Smart Early Payout

I feel like my agent duped me into signing up for this whole bundle so he could earn more commission. This was the first product I bought from him and I knew nothing about insurance at that time.

Is there anything I can/should do about this?

I was quoted by GE and Pru agent with the following plan,

Pru
Life: RM 100,000
160 types CI: RM 100,000
Accidental death & disablement: RM 30,000
Accidental Medical Reimbursement: RM 3,000
Medical card:
1) Room: 200
2) Annual Limit: RM 1,380,000
3) Co-insurance: RM 300
4) Sustainability - 70 YO
Monthly premium: RM 250

Hmmm I have always wondered why some agents ask us to buy medical insurance early to protect against escalating medical fees. Seems like there is no way to get a product that features fixed cost of insurance, guaranteed renewal, and no portfolio withdrawal clause

I am not sure if our insurance is ok or not.

Insurance: Prudential BSN Takaful Health Enrich Premier

Age taken: 38y (H&W), 10y (Dotter). Healthy and no illness at that time.

Now: 44y & 16y
Coverage per person: -

Age: Until 80y (If I am not mistaken)

Lifetime limit: RM4,080,000

Annual limit: RM200,000

Preferred Hospitals: Suite Room

Other Hospitals: Deluxe/Single room. Need to pay RM300 as a deposit before warded. Will get back the money from PBSN.

Warded Allowance per day: RM200

Treatments/Clinic: 90 days after warded. Pay first and claims later to PBSN

Death/Disability/Critical Illness: Will get only about RM10K. This insurance covered more on the medical only.

However, if husdand or wife is contacted with the 36 critical illness automatically both premiums will be waived by PBSN for life and no need to pay premium for dotter until she is 21 or 25 years old (Can’t remember).

If dotter is contacted with the 36 critical illness, automatically dotter premium will be waived for life by PBSN. Not sure if premiums for H&W will be waived too. Need to check later.

which company got provide standalone medical card (RM100,000) with fixed premium price forever or maximum premium amount around RM2,000 to RM3,000 when 50-60 years old?

Hi all, looking for medical coverage for my mother, aged 59 next birthday. Any medical plans to recommend? Need quotations.

Would prefer level premium plans.

We are ok with budget up to 4k per year, if it's available.

I bought this for my daughter before she was born. The insurance agent is kinda pushy. I'm paying around RM190 per month. PRUlink managed fund 2 value also like crap, around RM755 only after 3 years. I was thinking of buying a new policy and terminating this one. Any suggestion?

Hi, I need a third unbiased opinion.

So I have two agents from two different companies proposing me ILP plans. Which one do you think will be worth it for my long-term commitment?

Company A:
Monthly premium: RM180
Life: RM100k
CI: RM50k (multiple claims including early stages etc.)
PA: 50k
Medical card: Co-insurance RM300
(The agent reasoned with me that since their medical card is cheaper than the rest, actually I could save more and use the saved money to pay RM300 when I need to use the medical card)

Company B:
Monthly premium RM210
Life: RM100k
CI: RM50k (including diabetes benefits & etc.)
PA: RM50k
Medical card: Zero deductible

At first I was going for Company A but the difference between A and B is only RM30. So if I go for Company A, I would only save RM30x12 months = RM360 per year. Whereas I could use that money to buy plan from Company B with cashless admission. However, Company A reasoned that I won't be going to the hospital every year.

I think that it's like a gamble.
Company B: I pay annually an extra of RM360 more than Company A's premium but I can use the medical card hassle-free, but also I may be healthy and not have to use the medical card
OR
Company A: I can save RM360 for a few years if I never do any claims.

Which one is worth the risk/gamble?
I'm leaning towards Company B but I have to hear an unbiased opinion.

Hi my mother in law bought her insurance at 69 and monthly cost is rm1k, medical card and little bit of life I think. Is it normal? Can she get cheaper premium? Thanks in advance.

Hi all,

I am looking for medical card for both my parent, dad 63 with history of diabetic and mum 59.

Anyone can advise if I would be able to get anything for them for 2.5k per year each? I guess my dad one would be tougher but appreciates any suggestion.

Thanks in advance.

What insurance company is this? So affordable

hmm, could this be an isolated case not affected by the increase of medical cost?