No, la. I wont be so stupid haha. If I need to be hospitalised, I will come back to Msia lo Is that still possible ? the medical card still valid I am not in Msia for 90 days consecutively ?

I'm Allianz customer and agent also. so i got received email from Allianz for this sharing.

As per your plan benefit Limit for now.

I was wondering, in the next 20 yrs, how much will the buying power be for the current value of
CI 50k, R&B 300, TPD 10k.
The hospitalizations cost maybe enough,... What abt life after hospitalization ?

Btw have you actually bought it? cause i'm looking into promilej. very cheap compared to etiqa.

promilej website abit not as pretty but looks service-able.

EDIT: the website does not inspire confidence although havent click pay

But Lucky Strike is likely to twist information (hence not tell the complete truth) so you choose their brand over another.
On a forum like Lowyat, you might find truthful people who already largely researched the subject and can guide you with a few sentences.

I see. Thanks for clarifying.
Wouldn't it be a better alternative to engage an insurance agent or life planner for your insurance needs?

In the case of applying for a critical illness claim, yes there are certain documents required. No worries, it is not complicated.

For a critical illness claim, usually a medical report is required from the attending physician to confirm on the diagnosis, condition, and date.
The purpose of carrying out an investigation is just to ensure there is no case of non-disclosure during policy application. However, it is quite weird that you have to sought for the GP records on your own. Reason why I say this is because signing on the Life and CI policy application, you also authorize the insurer and relevant government institutions to obtain your medical records from licensed medical facilities and institutions. With this claim and subsequent investigation carried out, it is a matter of written letter communications between these entities. Perhaps there is a recent update to FSA 2013 that I am unaware.
Of course, a Critical Illness claim for needs to be filled as well. The relevant forms can only be obtained from PBB.

ON TOP of that, yes the insurer also reserves the right to investigate under the contestability period provision. Filing a claim against the insurer at this stage would be futile, but perhaps you may have a case against PBB for failing to comply with the provisions of FSA 2013 under ethical and professional conduct. But that is up for debate. The OFS would likely advice as such too.

How about this..website say same contribution yearly..but PDS said not guaranteed. Can lodge complaint for misleading marketing?
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Hi guys,

I was met with a pretty strange situation:

A gym operator engaged me for their new outlet's insurance needs. There is also a specific requirement by the property management, which is for him to provide a Public Liability coverage in his outlet with a minimum of RM5mil. Yes, pretty high, I know. (TA already signed and stamped)
So he went to the property management to discuss on reducing the Public Liability coverage to RM2mil. The property management then instructed him to have a "qualified person" to certify that a Public Liability of RM2mil is sufficient.

With my limited experience, I'd like to seek wisdom in this situation.

There isn't really a "rule of thumb" when it comes to personal finances. Some people just made it up in the past as a yard stick.

Ask yourself, will 5 years be enough for you ? - you may say, I may live for another 20 years after I'm disabled, I should cover 20 years, not 5. To another person, 2 years is enough perhaps ? Who are you to judge?

Then again, there is the perspective of paying the premium. Some people are just not comfortable to pay so much for insurance premium that they're willing to let go of their coverage even after discussing.

It's pretty similar to a car mechanic saying your car tyres are recommended factory 18", but you chose a 15" to save cost. Can your car still run ? Yes; will it give you the best driving experience ? No.

rule of thumb is only a guideline ... guideline is always a guideline ... where got such word fixed rule of thumb ? its like asking Iced Hot Coffee... there is no iced hot coffee at all....

when a ppl tend to twist something , they will keep focus and keep twisting .. so i dont want to reply to him ....

its just waste of time     

its just a guideline .... but even without fact finding , RM50k is really a very low amount. unless the commitment really that high until not afford , then just maintain 50k ....

5-10yrs is a guideline . at least to cover the living expense for a small family in case anything happen....

after all , fact finding part is important to know what they have and what they need to consider to have...

Medical Repricing for one of the provider - Average increment - RM50 - 500 monthly.

Cost increased by 10% - 80%

You'll get a letter soon if you're one of the policy holder. Sekian.