very good question which i had struggle before dude.

basically it is about the same. That is the reason protection need to be manage well whenever u buy an insurance.


Cant denied that the medisaver program does not really provide so call waiver to the insurance , which u need to pay continuously till u die.

but if you study detail.... the protection is consider good enought compare to the market which none of the insurance company able to come out with such benefit of protections.


Ops, sorry , to anwer your question , therefore you need to managed well buy extra protection to protect your the rest of ur life in case anything happened to you.

from here , you may ask, then buy extra definately pay extra ?

Well , cant denied it is , but things not come free at all for other insurance company too.

you wan to make it free, pls work hard to find people join the program then ur insurnace consider waive for permenantly nd accidently it may become your side income too.



Then lastly i wanna remind thouse policy holder have the waiver option, it not come for free... it is just a easy option to make u feel relief in case anything happened to you. if u see clearly ur policy , it has the charges , that is first thing.

Second thing , you need to think about your protection. To me , i always focus on protections.
let say , touch wood, accidently i can not work for soemtime or illness i got it , then my policy still get waive and probably i got money claimed back from 36 illness or maybe total disability and etc (wow how nice).

Now the question come to you , how much your protection really help you ? [old policy ? or new ? if new maybe still substain a while]
Does the protection allow to cover you when u have problem with other illness or maybe the one of 36 illess you had claimed ?? what if not enought ?? you going to fork our ur money again ?


Think twice , thing nvr come free



No products is perfect , is depend on how u think and what choice do you make.
i feel this product can relief me from paying extra premium , which it can save my money but not putting into investmentlink which i really thinks is not a smart choice for me , and some tell me buy medical card from investment link can get back money [at this point, you really need to study deeply you really can get back money or not , or you need to top up to substain your existing policy ? ]. Well , to me i nvr think of buying medical card is a saving plan, to me is just buy a protection for emergency case which no need allow me to fork out the own pocket money. Simplet as that

This post has been edited by jacky1678: Jan 4 2021, 10:32 PM

Dont get confuse dude, cant denied lonpac is partner of MXM.

However the program inside is little different from lonpac , meaning the coverage distribute by MXM is different from u buy directly from lonpac.

intially i thought the same like u MXM like a broker , haha

i think , most people no idea what is OFS .. haha.. i myself also no idea what is this man.


mind further elaborate your story about ur OFS ?

i agreed with you .... the word congenital is really nonsense to me ...

once u born , u have it then it is pre-existing illness , why telling me after 3 year only discovered it ? soemthing not making any sense....

or your son is just 3-4 year old now ?

now there is only one thing you can do which is try to proof ur son is not congenital condition [cancer illness] from other specialist and any black and white which is valid to support ur son is what the doctor said.


But bear in mind if the cancer previously has spotted then recovered and it come back again.. then the insurance has right to reject your claims. i think most insurance practise the same.

Let me share with you the the medisaver program which i recently joined.

you may take a reveiw on the following link about the benefit u entired if you joined the program :

https://www.mxm.com.my/wp/wp-content/upload...VIP-Leaflet.pdf

https://www.mxm.com.my/wp/wp-content/upload...-Leaftlet-1.pdf

https://www.mxm.com.my/wp/wp-content/upload...let_FA-o-02.pdf


just have extra info for you to make comparison , no harm

here is for your reference.

u may do comparison for other insurance company dude.

https://medisavers.my/wp1/wp-content/upload...rs-leaftlet.pdf
just look at your PAsaver 2# , price is show at bottom in Annual , if u r damn rich , maybe u can look at PASaver 1.

Cheer

To be honest , i joined this becoz i see the need of myself.
and if u have doubts, is good to obtain the information from internet la but as u know also .. too much informative is also misleading your understanding.
So at here , i dont think i able to explained well here of all ur question , becoz once i answer , you will other question to ask back.

i strongly recommned you attend the zoom every Thursday night which is ready provided explaination about everything for this membership program.
i think by this can easily clear your doubts for sure.

coz i can see really many people around us still have lot misunderstood about this program or perhaps u can say MXM company as well.


i pm you the id and password and hope you spend a little time to attend and listen the speaker for your understanding

Disclaimer " For your understanding purpose i dont asking u to join ya "


Thank you

no really bro, it does under Piam License otherwise wont have other insurance agency cari makan jump over to join this business models.

This post has been edited by jacky1678: Jan 16 2021, 03:32 PM

under loanpac Sir. refer to your pm for more info , hope it asnwer u .

u tell me , in insurance company, the agency schema which is not using MLM??

that why i say , no matter how i asnwer here, you wont feel satisfy ...

why dont you direct attend the zoom which is free sharing information in order to clarify your doubt? becoz i only think from there experts able to fullfill what u want to know instead of writting so many story here doubt this and that which wasting your time, then come the end the asnwer from me you always not satisfy
So strongly recommend you attend the zoom

To me is simple, i pay what i want, and they have the package , simple as that. if you doubt the claims will have issue , then u can take challege to question in Zoom or FB page and so on.

https://www.facebook.com/mxm.international/


if you really think this MXM have problem ....then it wont operate such long years dude and somemore recently get recognized by MSC otherwise if this program have probelm.. i believe it easily get sue already from long ago.


Lastly ,do me a favor Sir. i share the screenshot info to you , which is i dont want to show in public becoz if do so consider bridge the compliance law from my end.
Seeking your cooperation kindly remove the screenshot, appreciated your helps.
Thank you for your actions.



This post has been edited by jacky1678: Jan 18 2021, 01:02 AM

oh, okie, seem like u got from someone else.

i wonder what you wanna tell the problem with BNM ???

so you think this is an illegal business to bring to market ??

This post has been edited by jacky1678: Jan 18 2021, 10:19 AM

this forum seem to be very sensitive about this program .... that why no one resposne to you . haha.

i will say , all insurance company has the right to do that coz all of their policy written , they have the right to revise bla bla bla within 60 or 90 days during your renewal of policy.

ya , normal thing. beautiy of investment link