Maybe we get some real feedback.
Abyone who bought ILP, Wholelife insurance  and are satisfied with it ? If yes; why?

You can get tax relief doesn't matter it's standalone or ILP.

My insurance is summarized as below.  I haven't claim anything yet. I wish I dont have to.
Yes. I hope I could work on it. My salary has been stagnant for some time and below RM3k. There are some stuff happened in my family so I could not even save.

If not mistaken, I did ask for zero fee if admitted to hospital.

Allianz Power Link - RM300/month (will reprice to RM464/month)

Basic sum assured - RM100k. Cover 37y
Total Permanent Disability - RM100k. Till 71y
Prime Care+ - RM50k. Pay & Cover till 100y
Prime Care+ (Cancer Recovery Benefit) - RM17,500k. Pay & Cover till 100y
Prime Care+ (Diabetes Recovery Benefit) - RM10k. Pay & Cover till 100y
Prime Care+ (Catastrophic CI benefit) - RM10k. Pay & Cover till 100y
PACover - RM100k. Cover 37y
PayorCover - RM3600. Cover 37y
PayorCover (ETPD) - RM3600. Cover 37y

Medisafe Infinite (base plan)
Room - RM150
Overal Annual Limit - RM850k. Unlimited lifetime. Maturity 2057. Till 100y
Hospital Asst Fee - Till 100y

Hi everyone , I got an "Guaranteed Upgrade" or "Guaranteed Acceptance Offer" for my medical card from AIA.

Do this upgrade result in excluding protection for pre-existing illness?

Agent said no and it will still cover.

While I am waiting clarification from AIA officials , I'd love to hear from you guys.

That's the only good thing about AIA. No other insurance company does this. From what I know yes they do cover any pre existing condition.
He is not buying a new one. AIA offers him free upgrade to new insurance plan usually without need to undergo new underwriting. I vae only seen 2 real life examples of such upgrade.

Help me understand this.

Say if after I get medical card,
and I will be needing dialysis for the rest of my life which insurer will pay for it.
Do my premium increase due to risk change to insurer?
If not , the insurer will suck the cost by themselves?
If yes , whats stopping insurer to increase my premium slowly/suddenly all the way up to the cost of dialysis?
As other payors in perfect health can get new insurance at lower cost ,  eventually it will be all the unhealthy paying the actual medical expense , premium+fee=medical expense.

No. But will increase due to age, medical inflation, decrease of pool money and poor performance of fund (if you take ILP which is like a normal thing)
Some will ask you to pay and claim. Some insurance companies give you GL.
They will increase like recent insurance news. People complaining that insurance increase too much.
Yes. That right. Healthy people can jump to new plan and eventually the pool will just be full of sickly people. Question is are they smart to jump ship?

Was the entry premium be the same?
As I think, just think, with each new plan, they have increased the minimum Coverage amount.
A colleague of mine, 2 weeks ago told me that he had bought a new medical plan to supplement his existing plan. He told me it covers millions. I ask him no lower coverage amount, he said agent said "no".
I reminded him to check the projected premium to be paid after age 62. He is now 52

Was the entry premium be the same?
As I think, just think, with each new plan, they have increased the minimum Coverage amount.
A colleague of mine, 2 weeks ago told me that he had bought a new medical plan to supplement his existing plan. He told me it covers millions. I ask him no lower coverage amount, he said agent said "no".
I reminded him to check the projected premium to be paid after age 62. He is now 52

I was in the SM pool. Received repricing of 100% premium around Nov 2023. So I contacted agent to ask if I can upgrade to new Medical plan. then feedback was cannot. Then i roughly went to website and saw the 10x annual limit plan only require 50% higher premium than my current.
So I just quietly go buy another company's Medical plan with 30% higher premium than my current only.
But doing that, I anticipated New Policy Premium will increase within 1year because Premium is too low for my age. And it happened within 7 months

Reply to 5
There is no other reason for cohort to dwindle in size if not because of the closed block approach by insurers. And why do these champions close the block to new business??? Why can't they just give everyone a free upgrade or augmentation to the coverage and continue onboarding new policies. Cause, aside from the reasons in reply 4, these insurers are scared that the block is suey already - e.g. due to being exposed to covid, so they isolate them, hike up premiums / COI to kasi all the "konon healthy" or no claim lives to cabut to a newer block with better experience and pricing. Last-last, the ones that tinggal in the block will scream bloody murder due to the price increase and may have to lapse their policy if they can't afford it or can't jump to a newer pool because kena reject or where the re-underwritten COI charges are higher.

Take GE. This is classic unethical, embarrassing behaviour from the insurer. What bloody nonsense la, first come up with SMM in 2019 and three years later SMS. Before that SMX and SM. There is no good reason on this godly earth to have so many series in the first place. One every three - four years. Look at the jump in utilisation rate. Gila wei. What was the block's initial pricing expected long term stable utilisation? Was it above 5%? They should have never issued such products where the stable expected utilisation is above 5%. Let the insurer bear all the financial  burden. period.

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No right or wrong here, but the more you include, it will be beneficial for the minority, at the cost of majority.