Interesting...in an ILP, am I able to set different maturity dates? For life I set at 60 years old and medical 85?

Thank you. But medical policy is for hospitalization right? Any chances it would cover outpatient? Or perhaps, any chances I can go to their favorite clinic, deal with the clinic .. whenever, they show up and provides their IC's, they don't need to pay anything. All the expenses to be automatically charged on my card.

I'm trying to encourage them to go to clinics whenever they feel sick or want to see Dr. Without the card, it is quite impossible for them to go to the clinics like what they frequently do when I was in the previous company. It's "tak apa" or "sikit je" or "tak mahu menyusahkan" attitude.

If I'm with them 24/7 ... then, there is no issue, I'll myself bring them to the clinics or hospitals and pay for the expenses.

dear sifus,

any advice for Family Medical Plan?

for H (1984) W (1989) and 2 daughters (2015 n 2019)

currently i'm paying RM 860 for all the above medical cards (with ILP and some small death / tpd / CI benefits)

looking at some family medical cards, some costs only between RM 250-550, but of course without ILP and small death / tpd / CI benefits)

perhaps for the death / tpd / CI benefits, can buy under a better policy?

kindly advice.

Hi any agents can give free advise on what's the best Life + Medical + CI coverage combination?

Life - Is there a formula on whats the best coverage amount?

Medical - Im going for RM300 as room and board...since most private hospital in KL/Selangor is around RM300 for a single bed. RM1.5mil annual limit and unlimited life time. Coverage year until 60, renewable afterwards, with highest deductible (since employer cover too), and retirement option

CI - Is there a formula on whats the best coverage amount?

Seeking opinion on the need for early CI given the Premium is much higher than normal CI.

How often in real life that claims come from diseases apart from the main 36 diseases?

Hi sifus,

I was approached by an old friend (lol) who's a GE agent. Was introduced to the SmartProtect Legacy Max.

My friend sent me a quote as per the photo below:

- Assuming I'll be paying RM 500/month
- Pay for 30 years


I'm 25 this year, non-smoker. I already have my own medical card (RM 300/month coverage 1.5 million with AIA) - was just wondering if this plan is ok or should I just politely decline my friend. I would really appreciate any expert opinions as I'm not so well versed with ILPs.

Thank you

Dear ckdenion, sorry I still confuse about the admission process of option A, could you pls help me clarify? 

Is it I use the company medical card to issue GL first, then when reach 70k, I request the hospital to separate bill, then I call my own insurance to issue GL, then claim the subsequent 10k on own medical card?     

Hi. Need a suggestion for medical card + critical illness + tpd.

At the moment i already subscribed w a cheapo medical card that covered up to max 150k per year. With the cost of everything gone up, so i think i need to get a better ones w a better coverage.

Anyone can suggest me which one is good.

Also, better if the plan can be applied online. Looking at manulife manuez-med now. Prudential must get an agent to ask first/ get quotation. Etiqa too can be applied online

AL= annual limit
coverage for about 500K to 1 million?
left about 1-2k after minus expenses, commitments etc

Hello All,
Just wondering what is the difference of standalone and ILP medical card?
I got offer from my agent. Surpsingly the premium of standalone medical caard is higher than the one of ILP medical card. Is there something wrong or is typical industry practice to charge higher price on standalone medical plan?

hi koo89, the information too brief....

1. Standalone medical card
-I assume there is a RM5000 life + medical benefits
*Due to regulation there must be life attached to it , insurer can set a minimum amount like 5k*
2. ILP medical card
-This can also be RM5000 life + medical benefit
-Difference is this can add on rider & have cash value inside

Both have to see the maturity date / sustainability / term duration in order to judge further which one is higher price.
There must be some benefit / coverage difference.

hi Ewa , actually got...one of example as below...
https://www.prudential.com.my/en/products-h.../prusenior-med/

I attended an online seminar last year , talk given by bank negara personnel , they mentioned they enforce all plan must include life benefit inside be it standalone , ILP , term or whatever.
This is because they want their family member at least can use that money for funeral / other purposes. Insurer can put a min amount like 5k.

Some they write on the brochure , some didn't write but embedded inside policy documents.
All prudential plan minimum have a 5k life attached to it , else it cannot be sell.

hi koo89, in order for us to give you more accurate explanation, it is better if you have both illustration shown by the agent.
hi ping, thanks for the info provided. btw whats the entry age for the plan attached? like you said this is a standalone medical plan and cannot attach life insurance to it. the death benefit embedded in this plan is more like a compassionate benefit stated in the brochure. so far some standalone medical card from other companies got no death benefit, commons one are accidental death benefit. maybe it will be enforced soon in the coming new standalone medical card.

hi all sifu here, im glad tat i found got tis thread here. actually i dunno much abt the insurance & benefit but during the MCO stay at home i study & learn a bit of wat my insurance cover.  before i ask anything plz understand a bit my detail below....

i got few existing GE insurance as the product breakdwn below

1. MULTICARE85 = sum assured 35K.  [yearly annual =RM6++]
2. ENHANCED SUPER LIFE + REDUCING TERM RIDER PLUS WITH TOTAL AND PERMANENT DISABILITY BENEFITS = sum assured 25K each covered. [yearly annual =RM6++]
3. GREATMEDIC CARE 2 = sum assured RM150, limit balance 90k.  [yearly annual =RM9++]

currently 38yo, single, low risk job, non smoker. healthy but got hepatitis b (jz recent year find out, confirm tat i dont have whn i purchase all the insurance above)

recently my agent call & offering me a new medical insurance plan as below
SMARTPROTECT ESSENTIAL 3 12k
Premium waiver RM3+++
Critical Illness 100k
SmartMedic Million RM150
GREAT SAVER RIDER (this were add on for cover hepatitis B)
Has this plan underwritten d? Great saver rider was due to policy loading

the plan coverage period till 41y & yearly annual cost abt RM4+++
means plan sustain till age 70 and auto extend upon 70yo.

the only different new plan compare wit all my current existing is no premium waiver covered but higher payout cover & it double the yearly annual fees. mayb my age & risk effect the premium high

here the question:
1. does my existing insurance enough to cover? (is ok even no hepatitis cover as the last chk no serious issue atm)
  based on ur financial responsibilities to calculate how much u need.

2. do u think the new plan have better coverage?
better coverage on the medical portion as GMC2 annual limit is too low definitely need a change there.

3. let say if i take the offer, surely GREATMEDIC CARE 2 will cancel it after 2 year. how abt the other 2 plan? shud i cancel or keep so i can utilize all the repayment?
    Let ur new policy underwrite 1st, hepatitis B might loading or exclude or reject. If just loading u can replace it directly without the need of holding 2 medical cards

the other 2 plans pls remain, traditional plans are good plans. Just top up how much u need in a new plans.

btw, my monthly income jz enough to pay off my repayment if i take the new plan.

plzz give me ur opinion, advice & enlighten my dilemma to take the offer or not. bcoz if i dont take the offer, afraid the coming year (whn the economy better) will not get the better premium payment.    

sorry for the long read, thank you & appreciate. 

not sure if this place is a good place to ask for price comparison, we are planning to get a standalone medical card for my mom. Already got a quote from AIA, just looking to see if got agent can help give other option with Prudential and Allianz? It's cause we had good experience with this two company too.

Pm me and I will let u know the details.

Here there sifu sifu sekalian, I had an existing policy (not sure if standalone insurance/with medical) with GE which my parent enrolled for me back when I was a kid. They paid for a duration of time then stopped paying (got some sort of balance that self sustains).

Now that I would like to review it, and to make my decision whether to continue paying (as the balance is low); or to make the decision to let it forfeit.

I have quite little knowledge on the technicality of the insurance world at the moment so go easy on me in regards to the terms. I had just gotten my policy number from GE CS, but they need me to submit some ctc'd hardcopy details / forms etc to update my details.

Meanwhile, if I am going to forfeit the existing GE one (I also have another active one with HLA), i am considering to enroll another one for myself / GF (apart from GE).

our details:
-PII related pls pm me to get details
-both working with private company
-both non smoker
-no medical history (she has allergies but nth apart from that)
-typical health condition (borderline high cholesterol), the rest okay
-budget per month = around 200

hope im providing enough info, otherwise can reach out to me thanx

Waiting period of Cashless admission for medical card is 2 years?

Oh i see coz i heard an agent told me for 1st 2 years there is no cashless admission must be reimbursement admission...

Thanks for the number! Got my wife to call, and the response is the same said that the policy is 3rd party, and forever cannot transfer. the only way is if the policy holder (my wife) passed away, only then can I request for the ownership to be transferred. How la like this. i don't trust it fully, coz later if really when passed away, then say still cannot transfer, meaning i will lose all the coverage..
My wife has call the customer service, and the person say cannot, coz 3rd party
We bought the policy under her name because she can claim tax, like i cannot coz i work in gig economy (and salary below requirement for tax)
Well, not the case with mine- tried but say cannot