Want to know, if buy life insurance 500k show online RM70/month at younger age.
If until age 40 or 50 something. The monthly fee is still the same or will increase every few year?
Insurance Talk V6!, Everything about Insurance
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 Apr 19 2020, 08:06 PM
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3,305 posts Joined: Dec 2012 
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Apr 19 2020, 09:38 PM
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#2
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QUOTE(dallasugg @ Apr 19 2020, 09:05 PM) I think for standalone life insurance, the premium is pretty much fixed and will not increase over the years. The only premium that will increase is medical card premium as healthcare cost increases progressively due to inflation.  QUOTE(CALexChai @ Apr 19 2020, 09:06 PM) For standalone medical card, John and Bob will be charge the same amount cost of insurance. QUOTE(CALexChai @ Apr 19 2020, 09:09 PM) The monthly premium pay for standalone life insurance will increase over age. Unless you bought ILP life insurance. QUOTE(ckdenion @ Apr 19 2020, 09:15 PM) hi dallasugg, yes they will be charged the same cost of insurance (assuming you are comparing the same exact medical plan and benefits). Actually I have both Medical+ILP and Life+ILP. After around 2yrs buy the Medical+ILP plan. I receive the mail and ask for extra RM30 monthly.hi jiaen0509, when you are buying online, you can check their premium rate table charged at the later ages. it will increase so you refer the table as your reference ya. After ask my agent, he said it will affect the ILP that proposed to me. If no add the RM30, just affect my ILP a bit. That's why I wonder, if I want to buy extra life insurance(saw online is cheaper and only 70+ per month). Will the price increase every few years. If it is fixed, than it is good to buy it since I still young. |
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Apr 21 2020, 10:07 PM
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If I have Accidents Insurance.
If I suddenly fall down, get injured or twist my foot. Can I make a claim? Can I go to the normal clinic or must go hospital only can claim the insurance? Let say I go to normal clinic, fee is RM100. Insurance claims back RM100? |
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Apr 22 2020, 03:03 PM
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#4
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Anyone have experience to claim Personal Accidents?
The medical report is? Just ask the clinic doctor to provide? Easy to get? |
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May 19 2020, 09:41 PM
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#5
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My foot is pain, clinic Dr advise to have blood test body check. I have a plan(not sure whether it is possible) which is use my medical card to masuk hospital stay 1/2 days and ask to full body check up.
Is it possible? Is the blood test, body checking can claim? Bought the medical card for few years but never use before... |
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May 19 2020, 10:43 PM
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#6
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QUOTE(GE-DavidK @ May 19 2020, 10:22 PM) Hi jiaen0509, if the blood test will lead to hospitalisation or any form of surgery, it will be counted as pre-hospitalisation diagnostic test and you should be able to claim medical card for the blood test. It will be dangerous if the report is good, then I have to pay for the blood test fee right?How if I enter ward first, the test etc will cover by medi card? |
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