i'm wondering if there is anyone from prudential or aia.

i'd like to get my son 13 yo and daughter 10 yo on unlimited medical card.

12k life, 12k TPD, waiver.
R&B RM250
Annual limit RM3.6m
lifetime no limit
intraocular lens : 8k per lifetime.

(above is from Great eastern). assuming no current illnesses or pre existing conditions.

another question is does any insurance nowadays cover a type of treatment called subcutaneous biologics injection. an example is Adalimumab - Humira (AbbVie), which is administered every 2 weeks. in practice it does not require hospitalization, but the pharmacy can prefill a special device and patient can inject at home. this magical therapy is applied for years without ending.

how does the malaysian insurance industry practice cover this type of medical needs.
my dr say strictly speaking those that do not need day care (single injection) will have diificulty for long term claims.

As I say, assume no pre existing condition. Right now not taking such medication. there isn’t even a test that can pre evaluate the need for Adalimumab if no symptoms exists.
In countries like USA, insurance with co pay can cover these kind of therapies based on need, and upon individual case approval. But it is already widespread practice.

If you know, how do Malaysian health care insurance cover these? Another example is say insulin shots. It is already widespread to self administer, there does not seem to be a high risk of complications, and hypothetically if they cost a lot, does the medical card cover?

I'm going to get very specific.

Each shot costs upwards of RM3k. Right now I am not covered, perhaps its too late talk about me.

My question is quite simple : Is there any insurance in the market that covers these treatments whereby a hospitalization is not strictly required? If no, I am asking what options do I have?

My dad signed up this life insurance policy from GE called Supreme Livingcare - Whole Life Living Assurance With Cash Bonus. it provides life insurance coverage against total and permanent disablement and death and following things:

Heart Attack
Stroke
Coronary Artery By-pass Surgery
Cancer
Kidney Failure
Fulminant Hepatitis
Major Organ Transplant
Paralysis (Paraplegia, Tetraplegia)
Multiple Sclerosis
Pulmonary Hypertension
Total Permanent Blindness
Heart Valve Surgery
Major Burns
Aorta Surgery
Loss of Speech
Alzheimer's Disease
Terminal Illness
Motor Neurone Disease
End Stage Liver Disease
Encephalitis
HIV Infection from Blood
Aplastic Anaemia Transfusion
Accidental Head Injury Resulting in Major Head Trauma
Parkinson's Disease
Poliomyelitis
Benign Brain Tumor
End Stage Lung Disease
Coma
Brain Surgery
Bacterial Meningitis
Other Serious Coronary Artery Disease
Apallic Syndrome
AIDS Cover of Medical Staff
Full Blown AIDS
Muscular Dystrophy
Total Permanent Deafness

sum assured is rm15k till 2099, i have to pay rm324.6 (split into rm81.15 per quarter). is it still worth maintaining this policy based on benefits and coverage, or should i cancel and search for better policy?

I give you an unbias opinion.as someone who did research on both.
ILP
Good stuff
1. Premium holiday
-if you pay for few years already, you can take premium holiday means no need to pay for few months
-if you forget to pay on time it's ok cause they will minus your investment to pay for your medical bill
2. Ability to add on waiver
You can opt to add in waiver if in the event you got critical illness (you must meet the criteria of the critical illness as it usually exclude early cancer basically and if you get you are usually half dead, or your quality of life will be severely affected) then the insurance company will absorb the premium until the end of your term
3. You can downgrade your plan if you are tight on financial but if you are already on bare minimum, you can't downgrade anymore.

Bad stuff
1. Return cannot match FD/EPF. What this means is by taking standalone and investing the difference into FD/EPF for the same term, you will get more money than what ILP will give you (basically using your investment to pay for the Medical part and still have left overs Vs going via ILP). Not to mention you are 56 now so you can treat EPF like a savings account which give out 5%p.a.
2. If their investment is not performing (like majority of the time) you will be asked to top-up/increase premium. Failing to top-up/increase premium means your policy is cut short (unable to sustain until the age you want).

Whether you take standalone or ILP, medical insurance premium will increase with age. You cannot run from it. Embrace it  With ILP, you cannot feel it (supposedly) cause they take your investment and pay for it. But if the investment cannot sustain, then as mentioned they ask you to put in more money.
With standalone, you see how much it actually cost.

Reason I went with standalone
1. Do not mix investment with insurance.
2. I am not going to pay for crappy investment return which cannot beat FD or EPF. Just pathetic IMO.
3. By going with standalone, I can make my own ILP by getting the best value of money for medical insurance, critical illness insurance Vs being tied down to one company.
4. No need top-up when ILP investment not performing.
5. I roughly know how much I will be paying for insurance as it's shown on the system.
6. I am good paymaster as I am able to pay my bills on time and in full eveeytime. I don't need any premium holidays.

Btw never trust agent/seller who tell you ILP are level premium. That's what ILP hope to achieve but in reality they ask you top-up every few years or ask you to agree to increase the premium. Failing to top-up or agree to increase the premium results in your insurance sustainability decreases. Don't belived me, just Google site:forum.lowyat.net top up insurance and you will see for yourself or site: reddit.com top up insurance Malaysia.

But up to you. Hope it's helpful.

But the way you replied to my post shows you are not much better.

Yes, I am calling you guys names but then looking at the responses you probably are exactly what I called you out to be.

Haha. Now I have to say thank you and please to money grabbers ok. you see, if you actually provide a proper response I may just apologize. But you prove to the whole world what you really are

No, I never said I know it all. I was asking a qtn right.

And why do you think you deserve my politeness. You did nothing so far except talking "c***"

Haha. Now they are your friends. So ppl who fill up your pockets are your friends right?

Nah dun think I really want to be your friend. You will probably suck me dry anyway

Freeloading. Like I said. It's not only me who will benefit but others. See your mindset? And if you provide this info you will benefit as well because ppl will come and seek your advice and buy your plans. But you probably have nothing to offer

See it's about the money in the end. You are just a money sucker that's all. Even the admin supports me as well by rearranging my post. Thank you to the admin

I never ever indicated that Singapore is better. I was just pointing out the difference in attitude between a competent and an incompetent agent such as you. And you have just proven that you have no integrity. Why be a friend with someone like you who can stab my back at anytime.

Haha. Answers. You sure can fake it right. You see, you could have made me look very bad but now ppl looking at this thread will know who you really are. You cannot even fake properly. I pity you actually because your entire life is a fake anyway

Nah you are just a lesser form of human to be honest and everyone can see that now.

Really hope ppl will be more careful from now on seeking advice in this thread.

You are no different then those in mlm to be honest. I pity the ppl who got cheated to be honest.

https://www.reddit.com/r/malaysia/comments/..._agent_finally/

Or by the way. You sure have lots of integrity reporting my post right. You told me to say please and thanks but then go on and report my posts

I wonder what kind of life you actually live.