Thanks, ya similar to what I have researched
Yeah, as long as covered during an emergency is a sound investment. Pity those big-big takaful ones did not offer for Diabetic people. Anyhow, do you offer this kind of product. I saw your signature, you are an insurance planner.

Hi all, just curious. Do Malaysia have a medical card for Diabetes people? I am in the late 20s and got Type II. I Googled Prudential got medical card for Diabetic people but need to be above 40 years old? Allianz also got but the minimum entry age is 30 years old too, I read at Ringgit Plus

Hi all, just curious. Do Malaysia have a medical card for Diabetes people? I am in the late 20s and got Type II. I Googled Prudential got medical card for Diabetic people but need to be above 40 years old? Allianz also got but the minimum entry age is 30 years old too, I read at Ringgit Plus

you are young, do look into your diet and lifestyle plan seriously. Diabetics can lead to many chronic diseases, this is the main reason many insurer do not offer medical card.

True, I'm on medication to control my diabetes. Actually I do have an insurance but that is a very very old plan and I feel under insured because got lifetime limit and tiny annual limit. If I want to cheat insurance agent also cannot, because I have been admitted to hospital for diabetes related illness. Sometimes very worried if my current condition leads to more chronic disease in the future..

True, I'm on medication to control my diabetes. Actually I do have an insurance but that is a very very old plan and I feel under insured because got lifetime limit and tiny annual limit. If I want to cheat insurance agent also cannot, because I have been admitted to hospital for diabetes related illness. Sometimes very worried if my current condition leads to more chronic disease in the future..

I was thinking, is it possible this way,
buy a new plan if can get one, which will most probably excludes all the diabetics related illness.
Use the old insurance limits to covers all medical related to the current illness only but use the limits from the new insurance to cover all others...
Doing this may helps increase the usage of the annual limits quota.
Hv to know what you will be hospitalised for in advance so that the right insurance will be used.

In the mean time, like lifebalance mentioned, Take care.

Hi, this is my current ILP plan. (Pic Attached)
I'm thinking of increasing my Annual Limit on the Medical Card & adding Riders.
1. If I wish to increase my Death/TPD or CI coverage, would it cost less to upgrade my current Rider or to buy a standalone Term Life Online Policy (until 80yrs coverage) ?
2. Can I upgrade my current plan to the Smart Medic Million + Extender & upgrade my Riders, Without Underwriting again ?
3. Would it be better to collect my surrender value & change to Allianz Medisafe Infinite+, as it provides better additional benefits (20% NCB Discount & Traditional Medicine/2nd Opinion) OR should I just continue with Great Eastern because I've already paid the Agent's fee ?
4. A relative of mine has an AIA Excelife Whole Life Policy.
Is it possible to Withdraw the Cash Value & still maintain coverage by paying the premium annually ?
All research so far says No, however, an Insurance Agent, said Yes. I'm wondering if he's confused Whole Life with ILP ?
Apologies for so many questions.
Thanks in advance, been researching Insurance for the past 3 days. I'm confident I can explain insurance policies better than 50% of Agents
<a href='https://pictr.com/images/2021/10/31/BVwdQ6.md.png' target='_blank'>https://pictr.com/images/2021/10/31/BVwdQ6.md.png </a>
<a href='https://pictr.com/images/2021/10/31/BVwuDq.md.png' target='_blank'>https://pictr.com/images/2021/10/31/BVwuDq.md.png </a>

Hi, this is my current ILP plan. (Pic Attached)
I'm thinking of increasing my Annual Limit on the Medical Card & adding Riders.

I'm speaking from a GE agent which i think i can give a better suggestion:-

1. If I wish to increase my Death/TPD or CI coverage, would it cost less to upgrade my current Rider or to buy a standalone Term Life Online Policy (until 80yrs coverage)?
2 different policies as term and ILP. More precise you need to do a cost of insurance comparison only can tell which one cheaper to go for instead of simply answer you.


2. Can I upgrade my current plan to the Smart Medic Million + Extender & upgrade my Riders, Without Underwriting again ?
You can upgrade it but MUST underwrite again.


3. Would it be better to collect my surrender value & change to Allianz Medisafe Infinite+, as it provides better additional benefits (20% NCB Discount & Traditional Medicine/2nd Opinion) OR should I just continue with Great Eastern because I've already paid the Agent's fee ?
You should continue with GE as u said paid for the commission and this SMX rider still a good medical plan, you just add in Smart Extender (SE), to make ur annual limit from RM144K to RM1.2mil annually. (get more advise from ur agent). By adding this SE, any admission still have SMX to go for.


4. A relative of mine has an AIA Excelife Whole Life Policy.
Is it possible to Withdraw the Cash Value & still maintain coverage by paying the premium annually ?
FYI, whole life has cash bonus not cash value (traditional plan). Yes, whole life can withdraw all the cash bonus and just pay the premium.
Cash value only for ILP plan. ILP only allow to withdraw certain amount of Cash Value but not all.


All research so far says No, however, an Insurance Agent, said Yes. I'm wondering if he's confused Whole Life with ILP ?
Apologies for so many questions.
She/ he definitely confused.

Thanks in advance, been researching Insurance for the past 3 days. I'm confident I can explain insurance policies better than 50% of Agents
<a href='https://pictr.com/images/2021/10/31/BVwdQ6.md.png' target='_blank'>https://pictr.com/images/2021/10/31/BVwdQ6.md.png </a>
<a href='https://pictr.com/images/2021/10/31/BVwuDq.md.png' target='_blank'>https://pictr.com/images/2021/10/31/BVwuDq.md.png </a>

Thanks.

I'll most likely switch to a new insurer, as I'm not really bothered as to the savings option in the ILP (just changed to Fixed Return Fund, my previous fund had a CAGR of 0.3% after 7 years ), and the NCB would probably cover the Agent's Commission in the long run.

Is there any standalone Medical Card that has annual limit of 1million or more & Guaranteed Renewal ?

Hi,
Good day. Want to ask, is there insurance plan like cover critical illness until age 80 ke. But you pay until certainage 65 like that..

Ya, got

Hi,
Good day. Want to ask, is there insurance plan like cover critical illness until age 80 ke. But you pay until certainage 65 like that..