Hi Sifus, I'm planning to work as an agent part time.

May I know which agency would work best for a part timer?

I have a flexible work schedule as my full time job hence.

I'm thinking GE ,AIA , Allianz

Talked to GE earlier seems to be decent but I'm looking forward to my other 2 interviews.

I'm looking for
1. Mainly a way to grow since my freelance job is my stable source of income.
2 Learn new skills
3. Looking for a supporitve team

all my cash value in allianz income provider become 0 inside my customer portal, omg!?

is this some technical glitch? anybody else having same issue? it suppose to have rm81k in it.

Any AIA agents here can confirm whether Covid is categorized as infectious disease or not?

Because i'm claiming death benefit due to Covid but its under AIA Flex PA.
The agent and AIA says Covid is NOT covered under the 23 infectious diseases mentioned in the brochure, however MERS and SARS (Cov) is in the list, So since the brochure probably was old/not updated im hoping Covid is included.
Otherwise i would only get 10K as opposed as 60K (+10K?) for infectious diseases.
https://www.aia.com.my/en/help-support/impo...ge-no-cost.html
This is the only 10K get for Covid i can claim since it was FLEX PA policy.
Even the hopitalisation benefit not able to claim because AIA says it is only for non-death situation.

Hey guys, I'm very new to this and have a few questions to ask.

Some background info: I have an insurance plan that is an "Investment Linked Policy" by Great Eastern Life called "SmartProtect Essential 2". As my mother was the one to secure this for me, I am unsure as to what degree this insurance covers me. The agent that sold this to her is her friend and is chinese-speaking and I am unable to communicate my questions.

Situation: I have a lump that I have found that I would like to get checked out. But seeing as I am very new to all this, I am unsure how to go about this process or if it is even covered by this particular insurance. The condition is suspected to be a sebaceous cyst but I have not seen a doctor about this as of yet as I am unsure how and where the insurance steps in. I am also concerned as I have been told over the phone that this policy only covers "36 critical illnesses" and offers no coverage on "early detection". This worries me.

Questions:
1. Is it possible for process of diagnosis to be covered by this insurance? I'm afraid to be stuck with a preliminary bill prior to actual treatment. Any experienced people, kindly advice.

2. If it is not possible to have the process of the diagnosis covered by the insurance, how do I go about this? Is it possible to go to a GP in say, a small clinic, and then continue onto one of the "Panel of Hospitals"? If the process of diagnosis is not covered, I would like to minimize the costs as much as possible prior to actual hospital admission.

3. What are the necessary information I would need to obtain from the diagnosis phase to progress onto the admission/treatment phase? Which ones will have involvement of the insurance company?

Apologies if these are silly questions to some of you. I am very new to this and the entire process has been such a blur to me. Hopefully some of you will be able to help shed some light and guide me.

hi, would like to ask:

i just insured under this product

https://www.allianz.com.my/allianz-1cover



but then i receive my policy few days later and it have pages like this


application was done using zoom, and agent show me 'questionnaire' section that was grey out. (but i dont have the recording as proof cause agent send me an audioless recording that also miss out the application stream)
should i concern bout this?

yes I know, and no medical underwriting is the one I wanted.

I have insured few other insurance companies with same type of product, all of their policy have no include questionaire section except allianz.

why still include why no question asked during application,

im worry allianz might use this to reject my claim in future.

Hi sifu, really new to this so sorry if I sound very stupid (because I am lol)

I'm 24 and wish to buy a medical insurance very soon. I have a few concerns that I would like to be cleared:

1. Which company in the big three (Great Eastern, AIA, Prudential) or any other companies has the easiest claim policy and no drama and no fuss on unable to claim stuff like that. Plus which has also the most hospitals that accept their medical card. Assuming all the other confounding variables that may affect this are standardised/ignored. (example of confounding variables: type of plan i might get, cheap or expensive plan)

2. Do you think if it is worth it to include "critical illness" and "waiver of premium" in the plan? And if I already have the "critical illness" plan should I still get a life insurance?

3. Should I do a full body checkup before I sign up for a medical insurance plan? Or should I not leave any record in any hospitals so that the company won't be able to dig them up 

Thank you sifus. I'll appreciate any help

thx for your reply
it's made clear on the product page, but not in policy. can i use the product brochure as my backup if anything unpleasant happened?
i asking here wonder if anybody else have similar experience of blank answer on health question section, what does it indicated?

I cannot give unbias comment. That's why i didnt answer your 1st question. Hahaha... all selling apples and oranges...

But all 3, same same la. You just see which agent you likey...

Few points to look into:
1. Which company cost of insurance lower in quotation.
2. Which company claim ratio lower to cut down the frequent of repricing.

erm, which sentence u meant?

thanks

1. agreed that cost of insurance is not guaranteed but each company cost of insurance for medical card is not the same. Do refer to the quotation from each company then u will know.

2. The more claim a company made obviously the chances of insurance repricing happen very frequent. no date shown but is a common sense. up to everyone in the forum to take this point or ignore when choosing their desire insurance company.

Few points to look into:
1. Which company cost of insurance lower in quotation.
2. Which company claim ratio lower to cut down the frequent of repricing.

hii do you know any good insurance plans that cover pre existing conditions/illnesses? google isnt helping much:(

Hi, currently my wife is having second baby. Want to ask what is the best value insurance to buy for the baby?

Should I buy now or wait after deliver?

other sifu may add on your advise? of course purchase during pre-born is better , but also it costs more
how to assess or how much you willing to take the risk is really up to your budget
...

Have just done a self-review on the policies bought and there is particularly one that I think needs to be updated and would appreciate it if fellow sifus can shed some light on this.

I currently pay 7.4k per year for a participating policy (Allianz PowerLife) with the coverage of Life 250k, TPD 250k, Critical Illness 150k.
I am now considering surrendering this and replace it with term insurance with higher coverage. I am now more inclined towards a term policy as I am looking purely for protection purposes.

Comments?

I'm 33..paying about 350/month for 160k life insurance, 500k annual limit for medical, 150k critical illness and 300k accident p.a dunno wat...
is that normal? average?

Hi, is it normal for insurance to revise the Tabarru contribution?
I took A-Plus Med-i from AIA. they increase the amount of RM32 
I just subscribed in 2019. Can recommend should I continue or change to other policy? Thanks

I am with Prudential investment-linked policy. Been with for a few years now.

If I want to change it to non-ILP , what prices I need to pay?

Do i need to start over and pay commissions all over again? I am almost done with paying commissions past the 6 years