My opinion as a consumer ....

Insurance products are for protection and seldom an investment tools.

I dont think it can happen where a buyer buys a cake and the seller pays for it.

Medical and Critical Illness should be the main concern for kids. Is always cheaper to buy at younger age when the kids have no medical conditions ..... less health and medical declaration to tick 'Yes' which will affect acceptance for coverage, exclusion clauses and premium loading.

I bought policies for my kids before entering school age. Now they are working and are continuing the policies.

Never surrender old policies unless necessary. If is not adequate, buy additional to compliment.

I have surrended my life policy after the children started working. Kept the surrender payout for future premium payment of my current medical policy.

In my opinion, is not necessary to make the children 'rich' with a life policy payout after death. They should be able to take care on their own once they started working.

This post has been edited by mini orchard: Aug 14 2021, 09:01 AM

any insurance agent here ? 26 this year, plan to get medical card . I am working overseas, can claim the medical card if I nned to hospitalised when I am old ?

Hi delsoo,

Are you working overseas permanently or do you come back every 90 days ?

Which country are you working at and what's your nature of work ?


Yes, as long as it's medically necessary to be hospitalized.

Yes, I am working oveseas , I dont come back often , even before the Covid period. Can I still claim the medical card insurance if I need to be hospitalised ? Can suggest any good medical card ?

This post has been edited by delsoo: Aug 14 2021, 10:18 AM

Which country are you working at and what's your nature of work ?

Sg, office based professional, need basic medial card coverage, can suggest any ?

Hospitalizations cost in sg with Malaysia medical card.... Preferably with very high coverage.
Why not source for it in SG?... Most probably easier to claim n to get follow up on claims documentation

No, la. I wont be so stupid haha. If I need to be hospitalised, I will come back to Msia lo Is that still possible ? the medical card still valid I am not in Msia for 90 days consecutively ?

Not an insurance sifus.... But I think it should be OK to use Malaysia medical card in malaysia hospital if you come back to be admitted.
Just hope that your admission for hospital stay won't be that urgent or emergency n can wait for you to comeback to Malaysia.

This post has been edited by yklooi: Aug 14 2021, 10:47 AM

There is a few option.

1. Buy a Singapore Insurance if you are planning for a long term stay there

2. If you do come back to Malaysia and only travelling to SG for work but stuck due to COVID - then applying for a Local Medical Card is also viable as they do extend coverage to Singapore but do note it's still based on Reasonable & Customary and Medically Necessary Charges for such equivalent local treatment in Malaysia. Which means the covered amount would not be full (SGD v MYR).

3. If you're willing to spend a premium for it, there is also can option where you can cover 100% of the cost incurred while in Singapore and there is no travel restriction or waiting period (coverage starts immediate).

I can suggest you companies like AIA, GE, Allianz for starters.

This post has been edited by lifebalance: Aug 14 2021, 11:17 AM

I will stay most of the time in SG. Just want to take advantage of the medical card in Malaysia if I am diagnosed with non-critical illenss later . Is that still possible ? since I am away from Msia for more than 90 consecutive days .

You can still buy & keep if your intention is one day you would come back to Malaysia but worry if you've succumbed to any critical illnesses in Singapore which you worry about not able to apply for any Medical Card in the future.

So, back to the question. Say that I am diagonsed with non-critical illenss which need to be hopistalised ( I choose to admit to hospital in Msia), is the medical card still valid ? Since I am not in Msia for more than 90 days consecutively

Yea, no issue on that

Can suggest any good medical insurance for me ?

Yea I've mentioned a few in the above.

If you'll like a quote, I need to know some further details below
DOB
Gender
Smoker or Not

What kind of benefit you're looking into
Room & Board: RM-?
Annual Limit: RM-?
Deductibles: RM-?
Coverage till Age - ?

EV, no more fuel

Recently there is a viral covid hospitalization charges over RM300K. Is there any medical card willing to cover this amount?

AIA, Pru, HLA, Allianz, Etiqa

I have checked with etiqa but they said the highest claimable amount is RM150K. Any idea which insurance company can fully cover RM300K?