hi drbone, does she wants the baby in the womb to have medical card as well? or just to cover any pregnancy complications?

1. If the pregnant mother is within 13 -35 weeks of gestational period (3 to 9 months of pregnancy period), the coverage should include pregnant complications and death of mother.
- Ensure that waiver rider for both payer and child is included for the child's medical card.
- Ensure Junior critical illness (eg. coverage for Kawasaki Disease) and congenital diseases are included in the coverage.

2. Depending on your needs and budget. I would advise 50k to 100k life for baby is a good starting point. Take note that for the first 5 years, child lien will apply where only a percentage of life sum assured is paid. For example, if the baby pass away in the first year, only 20% of sum assured will be paid.

3. GE Smart Baby Shield is a rider for SmartProtect Junior (Medical card for children). Smart Baby Shield will cover for the mother during pregnancy period (if the policy is inforce within 13 to 35 weeks of pregnancy period) and coverage up to age 5 of the baby for any congenital diseases.

As for SmartProtect Junior, the unborn child is the main insured person which comes with coverage for the mother during pregnancy period. The policy will run for whole life for the child with unlimited lifetime limit. Of course, the premium will be higher than RM80 as the policy is expected to cover up to age 100 for the child.

1) Possible to get medical coverage at 65 years old?

Purely based on age factor she is still insurable.

2) Premium?

Really depends on the kind of medical card that you will be purchasing for your mother. It ranges from RM2k (as highlighted by Lifebalance) plus to all the way in the RM10k range.

Things affecting the premium:
- Type of medical card (Standalone vs Rider)
- Benefits
- Term of coverage
- Loading if any

You might even want to consider a high deductible medical card if it is financially feasible.

Best,
Jiansheng

hi Housedude, yea she still can get medical insurance so long haven't exceed 70 years old. There won't be any limitation imposed unless she has medical history. Yearly premium for standalone (as of today's age) expected range at 7k a year, for ILP (level premium) will be 10k a year (assume 1million annual limit with no deductible).
ok, what's the latest update as of this few days? agent got a careline to call (even though still need to wait but not as bad as customer careline) and can ask for the current status. just follow up. hope to hear from your good news soon. I believed you did try your best to clear your credit card bill. normally i will advise my client to prepare spare cash fund for emergency cases like this.
hi QD_buyer, is her agent her direct superior within the same agency? normally when agent resigns, the customer policies servicing will be passed automatically to her manager.
hi drbone, very less likely to get medical card. can try to apply (try luck). for life insurance, can buy those guaranteed issuance (even with history) life insurance plan.

Life insurance is needed when family members is depended on insured person income for financial support.

If the insured is not the financial pillar of the family, life insurance is not a priority to have.

Insurance is not a place to look for payout or return, or having a mindset to "gain" or "profit" from it.