Thanks for those replying me on deductibles on V5.

I have a few questions more about this.

Still using my example:
Med Card A AL 20k
Med Card B AL 1.2M 20k deductible

Do I must fork out my own money first then do reimbursement from the 2nd card? Let say total bill is 50k, I using the B card first, do I need to pay the first 20k and claim later?

2nd question is this deductible apply per admission or per year?

Considering this scenario which is I only have Card B

Year 2020
Bill 1 10k I pay 10k, insurer B pay 0
Bill 2 15k I pay 10k, insurer B pay 5k
Bill 3 10k I pay 0, insurer B pay 10k

Year 2021 the 20k deductible will be reset?

If this is correct, how hospital gonna know I already billed 10k on 1st visit/bill when I want to pay for my Bill 2?

Hi all.

Can I know whether the COI is same or not between standalone and ILP in same company? I heard that COI of standalone is higher than ILP.

Let say for example for 30 years old male non smoker for 500k term life compared to 500k life ILP plain plan with no other riders. The premium for sure will be different but I eager to know their COI is same or not each year.

And whether it also same if compared between online products and tru agents.

Thanks!

If one having scoliosis/prolapsed intervertebral disc, do the person can still apply for insurance? Specifically life or critical illness coverage? The person already have medical card.

Can I downgrade my AIA family takaful plan (the standalone one which cover me + 4 children) to cover me only instead of my whole family. The reason is firstly because of the current economy which is my family also affected. But I planning to take online product which cover pretty much the same coverage for all my children with almost 50% in reduction of premium compared to now. Of course if this is possible I will still go on with current plan + new plan for 4 months before switching in case the 120 days waiting period case happen.

Hi ckdenion. It from takaful malaysia. I can generate the price online on their website for my 6 years old son for example and it about RM58. Room and board RM200, 100k annual with no lifetime limit. I even can put deductible if I want to.

What do you think?

You mean can get around RM70 for 1.1m annual limit for children is it? From AIA?

I haven't. Either from agent or from their online products. Why?