Hope the real insurance sifus can advise you on this...
Btw, mind sharing what is Yr budget for your newborn insurance? That would be more ease of those intending to provide estimated quotation as more in depth details are still lacking...

It'll be easier if you can share your particulars.

Namely
Your child DOB, gender

Your DOB, gender, occupation, smoker or not.

Guys i wanna ask about car insurance. Is PrOmilej the only company that can insure based on selected mileage?

something like this?
https://www.chubb.com/content/dam/chubb-sit...iew_Feb2021.pdf

https://www.chubb.com/my-en/personal/my-sma...-insurance.html

There are few insurer offering now. Check with your current insurer. I know etiqa does.

Etiqa very troublesome. It's not a form of discount, but a rebate given later. PrOMilej we get to select how many KM we want to insure and the premium is based on the mileage we select. I'm WFH for almost 2 years already and my cars only travel 1k KM in a year.

Pre-existing condition for baby: Hypo-thyroidism (Lack of thyroid hormone)
Monthly follow up at Hospital Putrajaya
Daily oral medication to up the hormone needed.

Child:
DOB 29/6/2021, Male

Me:
DOB 11/5/1986, Male, IT professional, non-smoker

Preference & Focus:
Medical card (co-insurance is OK) CI, minimum sum assured.
Life product, unit-linked.

Budget: Below RM 200

Companies quotations I already have: GE, Pru, Allianz

At this point, it's just the advisor you want to pick with. I can practically quote for all the insurance companies you've mentioned. For your budget range, Pru/HLA would be able to meet below RM200 while able to provide a comprehensive coverage as I just did for lapland.

This post has been edited by lifebalance: Sep 19 2021, 01:07 PM

Mind telling, just for added knowledge sake,.... Did those insurance that quoted you,.....Did they exclude that preexisting illness or includes extra loading on the premium?

This post has been edited by MUM: Sep 19 2021, 04:19 PM

The final loading or exclusion can only be known after the underwriting. Quotation provided based on the standard case.

So that means, after giving the quotation, the company can still choose NOT to accept providing the coverage too?

This quotation just letting client knows with this budget you able to get these coverage. The quotation is quoted based on standard case.

Upon confirm on the quotation then proceed for submitting the application with payment.

Upon payment received, underwriting process starts.

Underwriter will come out the final decision whether the case is insurable or loading or impose exclusions.

A quote is just to show you what is covered within the policy, how much you are supposed to pay and what is within the policy on the T&C.

It's not an acceptance of your application until you choose to proceed with the application and have the application underwritten.

If there is a change in T&C, you'll be given a counter offer by the insurance company.

if it's rejected then you'll be informed by the agent/company.

Can kindly quote HLA for me?

Thanks for replies also from everyone. All the info provided here is helpful.
My main purpose at the end is just to get coverage for my little one. And as I've suspected, it'll either be extra loading or just handle as pre-existing condition.

Hi guys, can recommend me a medical card which is non-ILP?

if you meant standalone medical insurance plan, then i kay poh abit while waiting for real insurance SIFUs to response,

i googled and found these, hope you can get some info from it while you wait for responses

Best Standalone Medical Cards
https://ringgitplus.com/en/health-insurance...ard/standalone/

There are plenty of options out there. You got to more specific if you want to narrow down the options. I'm not going to list them all here.

Btw have you actually bought it? cause i'm looking into promilej. very cheap compared to etiqa.

promilej website abit not as pretty but looks service-able.

EDIT: the website does not inspire confidence although havent click pay

This post has been edited by adele123: Sep 21 2021, 09:44 AM

any idea of the claim like?
does all repair shop willingly takes it?

Generally a non-ILP medical card are standalone. Benefits would generally be better in a ILP medical card. Alternative options would be general insurance companies for standalone medical card, where you may find the premium to be competitive for standard benefits.

This post has been edited by Cyclopes: Sep 21 2021, 11:34 AM