This rider no longer in the shelf.

We got no medishield so these useless insurers of ours keep selling bullshit protection with really high annual and lifetime limits but claim sizes all ciput (less than 10k). Which is why I keep telling you all, look for the high annual lifetime limits, but buy only those with high  deductibles

Hi I am on this AIA A-Life med regular plan RM224 Premium/month (43yr)
and my agent is suggesting that i change to this A-LifeLink 2 plan to lower increase cost in the future.

would like to know what is this A-lifelink 2 plan and is it worth switching to it?
will it really lower my premiums in years to come?

Hi all

Would like to ask is there any insurance company that payout 100% of sum assured for early critical illness?

Also, I'm looking to upgrade my current medical card plan
156k per annum
1.2mil lifetime
Life tpd critical illness with rider 80k
Rnb 200
Premium rm200

Was told nowadays min plan 3mil per annum and unlimited lifetime, if I take 1mil per annum it is unattractive.

I feel like this is just marketing, not as per my needs. Any rule of thumb to decide if I should switch to another insurance company medical card, or I should continue upgrade with existing?

Another question, if my company is providing a good insurance coverage, should I take that into consideration and buy lower sum assured for my personal insurance?

any Allianz insurance agent?
I'm exploring quote for critical illness with early payout . Kindly pm me. Thank you.

All I heard was COVID GE until today is one of the companies not covering COVID. Even Prudential also cover. I don't ask much.

I ask which insurance is the least problematic to approve GL for admission?
What insurance is problematic for GL issuance or try to delay GL from being issue?
What's the issue with those insurance that make it problematic or try to delay issued of GL?

Basically I want to stay away from insurance which is problematic or trying their best not to give you a GL. Lol. I am not going to give my money to a problematic insurance company. Why want to ask so much when that are the 3 questions you need to ask cause you will want to use the insurance some where down the road.

I can tell you the insurance that are problematic/try all kinds of ways to delay issuing GL.
GE, Cuepacs care and Micare.
Anything not on the list should be ok.

My current Life Insurance premium is RM378/month bought it since 2018.

Just wondering if switch company would it be cheaper?
Life Insurane quite simple right? Dieded then get payout..
I think the investment part that bear some effect if return not good then less return?
anything else that need to be considered before switching?

Hi All,

Did any one engaged with financial advisor(FA)for insurance recommendation before?

As my insurance agent told me (of course they want you to buy from them instead of other FA), for the same coverage, the cost of insurance from various companies are more or less the same, may be RM10-50 differences only. Why am I paying the FA more than thousands to get the same advice which they could give you free. The extra money you paid to FA can pay to the insurance premium instead.
Thus, would like to ask for your experience, does it helpful and really bring out of the best value that suit to your case? and does it provide better service/insight than insurance agent?
Thank you!

Slightly off-tangent
Just wanted to say that there is no need to have agents for even medical insurance. The 200% commissions / allocation charge is really unnecessary - in this case for ILP covering medical.

Why do we even have a system (insurance) where there is a need for agents to be engaged in making a medical claim? There are too many middlemen. I include not only agents but also all claim managers -  need to cut them all out or whittle them down and optimize what can be gotten from them for the least amount of money. It is way better (more effective, both cost wise and based on outcome) to employ high deductibles/co-pays in the product design and perhaps only engage in serious claim management reviews on a sampling basis (for those above 30k claims) and more importantly get a always on the ground high powered team of effective intel gatherers / investigators to weed out doctors & health service providers engaging in unethical, illegal/unlawful, harmful, shady, wasteful practices - if minimizing these practices is the main objective. More money need not be spent on educating the public on 'healthy lifestyles' or even what 'medical necessity' is - the outcomes and the way they measure outcomes are suss and always biased towards having these education initiatives and outcome measurement systems in place - tai-tai style governance checkbox rubbish. Also, policyholders should not be harassed or cajoled into not making a claim. Doctors generally have a good sense of what falls under medical necessity - let's not impose really inhumane legal boilerplate language straightjackets on them. They know what is elective / cosmetic and what isn't.  There is no doubt an element of subjectivity due to human psychology - like reconstructive surgery etc. - and this freedom to interpret is necessary to cover such procedures.

Just mandate above 80% claim ratios for medical & make sure to red flag expenses when they breach even 5%

Also, we need all ITOs to publish claim, expense and commission ratios. We don't want shady agents/distributors like these medisavers/metafin/mxm/far capital/pathlab health management going around claiming savings from their "early screening initiatives" and why people should join their 'program' when no one knows where the money goes to. So these programs too should be subjected to such ratio analyses in their entirety.

My agent is not willing to help me anymore. I asked him again if he has any advise and he just said let it lapse.
He indeed advised earlier but I was so busy at that time. But I cannot stand this agent therefore is best to change. I have emailed Allianz and waiting for their response

I will do some research on new plan while waiting Allianz response. Thank you

Hopefully be no more than 10%.

https://codeblue.galencentre.org/2024/12/ba...-policyholders/

existing = 200k
new = 5 million

My confusion is the premium, they will minus insurance charges (other admin fee, policy fee is minimal). If new and current is same insurance charges (according to table of insurance charges), they why premium is different by so much?

how old r u? i also received this offer but my additional premium is super high..i am mid 40ties
my current-
approx rm2000 yearly - coverage rm50k per claim/year and lifetime only rm200k. Damn freaking low
( policy started sometime in 2005 and 2015 there was an upgrade)
new offer
option 1 is appox rm8k per year (5mil)
-extra rm6k from current / per year
option 2 rm9300 per year (15 mil)

extra rm7300 from current/year
increase is really high
worth to take it? is it wise if i just cancel the policy since current rm200k max (lifetime) is too low and is not an issue for me.....