want to correct this statement abit... 99% CI premium wont be guarantee.

while there has not been repricing on CI, no one has dared to make it guarantee.

Is there any limit how many critical illness insurance can someone can own?

Why the insurance company asks 'do you have other life/health insurance' during application? 🙄

I have submitted an application to upgrade my medical plan in my ILP.

After a few weeks, I received an enquiry from the insurance company to fill in a "Neck & Back Pain" questionnaire.

I asked my agent, she says:

1) I declared it in my application form (Note: I did not)
2) I have received medical attention / hospitalization for it (Note: I did not)

Both my neck and back are completely fine to my knowledge. I do not recall ever seeking any kind of medical attention, or indicating as such to any doctor, regarding this.

How can I appeal to the insurer? I have filled in "N/A" to all the questions but not sure how acceptable it will be to the insurer. What will they make me do next?

NOTE: Asking for a close personal friend, NOT myself.

what if a person miss to inform insurance about and  pre existing condition but later honestly report the case to the insurance?
My logic says that insurance has the right to cancel it but is there a possibility that the insurance ask to underwrite the case again

Want to ask,
I got medical card insurance,
While my company also buy 1 for me....
Since now financial abit tight,
Plan to on hold my own medical card or cancel...
Possible to on hold for 1~2 year and then continue again?
Or only can cancel?

My sis not advise me to cancel...
She say if anything happen,
When 1st medical card use finish,
Can continue draw from 2nd medical card...

I am currently subscribed to GE SmartProtect Essential Insurance 2

Wonder if I can add on coverage to Singapore? If I working at SG

I am looking for the insurance that suitable to person work in SG. Just in case any accidents happen in the future

I'm in my late 40s guy and I bought GE medical card a few years ago. A few days ago, I decided to find out about Great Eastern reviews, and I read that are quite a lot of bad reviews on
Great Eastern. Just for your information, I have never made any claims from GE.
These bad reviews make me want to change to other insurance company.
Here are some of bad reviews that I found:-
https://review.ibanding.com/company/great-e...malaysia-berhad
https://forum.lowyat.net/topic/3123872/all
https://forum.lowyat.net/topic/4833082/all

But before I decide to change insurance company, I would like to know if other people have bad experience with GE recently.
To be fair, I also would like to know good experience too from people who have made medical claims from GE.

Please provides details of your experience

can i say standalone medical insurance is generally just for common sickness, e.g. dengue, food poisoning

if need to have coverage for potential development of major sickness like cancer, tumor, etc, we need to buy ILP?

Not true. ILP will have cash value for a while only. It will be zero or negative cash value at the end of the ILP.

I am a working male, 36, non-smoker, married with 2 kids (6yo and 3yo), wife is working. My monthly salary is 18k, wife is 9k. Outstanding home loan 627k, no MRTA.

Below is my current insurance plan from Generali:
- Life/TPD (150k, age 100)
- Accelerated CI rider (50k, age 100)
- 110 CI care (150k, age 81)
- Hospital income (RM200, age 75)
- Premium payer rider (age 100)
- Medical card (Annual limit 1.6mil, no life limit, age 80)

Questions:
- Any comment on my current plan?
- I feel like my life/TPD not really sufficient, should I top up or buy from other company?
- Is there better plan in the market? If yes, should I switch?

Hi all, I upgraded my insurance as below:

Gender: Male
Age Next Birthday: 33

Monthly premium for all ILP
Medical Insurance: RM 7.3 million annual limit (no lifetime limit)| RM 325.50
Critical Illness Insurance: RM 150k sum assured | RM 150
Life Insurance: RM 1 million sum assured | RM 650

Total premium payable per year: RM 13,506

Considered top range in my profile, if based on my age group and gender? It is over charge / paid? 

Will upgrade in 4-5 years if my income is high enough.

My preference as below:
- prefer comprehensive coverage (not basic or minimal) for each medical / critical illness / life
- longer policy sustainability during older age like 40-60
- cover until age 90-100 
- buy higher coverage during younger age so no need to pay higher premium if upgrade during the old age (40-60).
- investment thingy I don't look at it, I just want comprehensive coverage as possible

I am not sure if all traditional policies (standalone) have lesser coverage compared to ILP, regardless of any insurance companies? someone advise me

or traditional policies more worth?

https://qoala.my/en/blog/financial-manageme...nment-hospital/

Refer to above article.
Please don't mind check with you guys, is this rate of charge for government hospital still valid?
Just want to know estimate (roughly) how much will be spend in the 1st year let say people diagnosed Cancer of Breast, Colorectal, Lung, Nasopharyngeal & Liver in stage 3 or 4 and decided to have all medical treatment & surgery in government hospital (HKL/UMMC).

Any opinion if I buy insurance but only cover the bare minimum for life and critical illness?

Medical card annual limit over 1mil
Life:20k
Critical illness : No
Personal accident: No
Waivor : No

Honestly I just need the medical part but spoke to 3 different agents from aia , Prudential all also tell me buying standalone will risk later insurance dont allow to renew. I know there is guaranteed renewal but these agents are saying like that and there's some dark stories in the industry and I should believe them.

I am in my late 20s and already got 60 months living expenses saved in high liquid investment. So those coverage for life/ critical illness I think is not so important anymore right? Ideally I want to keep my premium as low as possible.

Yes. If you are a poor pay master, don't take standalone. Cause once lapse means bye bye.

So very sorry to interrupt, but how frequent should one review his / her insurance policy?

Hi sifus, need insurance advice. I don't have medical insurance, am seeking a new plan. 23yo single, non-smoker, minimal expense (living with parents), earning >60k per year office job.

I received an investment-linked policy quotation from Prudential agent:
- Premium: RM240/month
- Policy expires at 65 yo age
- Annual limit: RM12 million
- Lifetime limit: None
- NCB: RM500 per year
- Sum assured:
-- PRUWith You (life insurance), RM50k
-- Total Multi Crisis Care (critical illness), RM50k
-- Acci Guard Plus (personal accident insurance), RM50k
-- Acci Med Plus (no idea what this is), RM5k
-- Acci Income Plus (income protection), 2 units
-- Payor Basic (Prudential will cover premium cost if I am affected by TPD/critical illness), max. RM2800 per annum
-- PRUMillion Med 2.0 + Med Booster 2.0
--- hospital daily room/board RM200 per day

Based on ^, is it good enough or overkill? What can be adjusted to better fit my profile and for the long term.

Also seeking for different quotation from other insurance agents, pls let me know who to contact. Tq 

I have a 4-year old policy, and unlike previous years, my Agent is no longer as keen to respond to my policy reviews. Is it normal?

hahahah is relative 1 leh, CNY got yam seng. mebbe sebab less comission kut? yr1 komisen tinggi, yr4 komisen yillek

Does Great Eastern have a similar medical rider? Damn I need it.

Dear sifu,

I purchased an insurance with Allianz in 2019. The insurance is an investment linked policy with medical (1 mil per annum / lifetime no limit)+ ci rider 500k + life 100k.

However recently I found out my policy expiry / maturity year is 2041. And I was informed that my policy is subjected for premium revision from 328 per month to 437 per month.

Therefore now I am considering to find way to extend my policy till 100 year old.

I've try to contact Allianz and they told me there is no way to extend the policy and my policy is Subject to the terms and conditions found in the policy contract, this policy will mature on 2041. At maturity, this policy, including any rider(s) which is (are) still in force at the time of policy maturity, will be renewed immediately every 5 years upon policy maturity (“Renewal”) subject to the condition that the Life Assured has not attained the age of ninety-six (96) years old nearest birthday at the time of Renewal. If the Life Assured has attained the age of ninety- six (96) years old at the time of Renewal, this policy will be renewed up to the Policy Anniversary when the Life Assured attains age one hundred (100) years old nearest birthday. 


I wonder if this is true? If this is true, would it be better for me to consider buying a new policy and set my terms to 100 year old? as I am afraid in the future if I have any illness, it will affect my policy renewability. But at the time time I am reluctant to buy another new policy as it is subject to agent commission again…

Beside that, if I were to purchase a new insurance, would you recommend me to separate my medical and ci? or should I bundle it together? I have ask agent for a quotation for just pure medical insurance (term till 100 years old) and it is only 239 per month.

Your advice are highly appreciated and sorry for the long texts.