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

I bought the medicard from online too. So i dont have any agent. And the 150k already max limit for the package.

So i think its better if i change to other medicard provider with better coverage and add on critical illness and tpd as well.

Do insurance companies need to go to such extend to sell 1mil-3mil annual limit ?

they said medical cost increase, to counter inflation in the next decade, etc

hi guys
i helped my dad submit for a new insurance.
insurance compony requested a blood test report and he had some "H" in lipid profile tests. Currently not under any medication though.
total cholesterol : 5.8 (<5.2)
Non HDL
LDL

With that underwriter has decided an excursion clause on "hyperlipidemia and its related complication". I think the scope is too big, would like to get some advice on what I should be expecting with this excursion ? Any chance to get rid of this in the future ? Thanks a lot.

Hi all, would like to seek your advice for CI (preferably with early CI coverage) as standalone CI is quite expensive. Looking to cover till 65/70YO. Currently I have sufficient life insurance, so wondering what options are there for CI. AL about 500k to 1mil, age 39,WFH. Thanks

Currently is 28 years old, working low risk job, non-smoker. Need some advise on which medical card should i take? standalone or ILP? and how to know the standalone or ILP medical card is guaranteed renewal? is it stated somewhere in policy?

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

Let say if i get standalone medical can i add on something like CI?

Could you suggest some plans? actually im specifically looking for CI, but i understand that ILP+ rider CI is cheaper with better coverage. Would like to know if there is any product with minimal ILP?

Any thoughts on A-LifeLink2+ A-Plus Beyond Critical Shield & A-Plus Beyond Early Critical Shield? Currently I have A-LifeLink, is it the same as A-LifeLink2?

Thank you very much for your replies

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?

High chance, you might have mixed up standalone & ILP.
assuming the maturity date for both is the same, ILP is higher as portion of your premium goes to investment

Guys I'm buying Prudential term life insurance which renews yearly. Insure 500k for death or TPD. I'm 40 next year and the premium amount is RM1015. It will roughly be the same for other insurance companies right?

Reason I'm buying this is I'm the sole income earner for my family of two kids. My company already bought medical insurance for me to cover outpatient and hospitalization (unlimited)

Guys I'm buying Prudential term life insurance which renews yearly. Insure 500k for death or TPD. I'm 40 next year and the premium amount is RM1015. It will roughly be the same for other insurance companies right?

Reason I'm buying this is I'm the sole income earner for my family of two kids. My company already bought medical insurance for me to cover outpatient and hospitalization (unlimited)

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
Insurance premium 12k
Premium waiver RM3+++
Critical Illness 100k
SmartMedic Million RM150
GREAT SAVER RIDER (this were add on for cover hepatitis B)

the plan coverage period till 41y & yearly annual cost abt RM4+++

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 atm)
2. do u think the new plan have better coverage?
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?

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. 

recently my agent call & offering me a new medical insurance plan as below
Insurance premium 12k
Premium waiver RM3+++
Critical Illness 100k
SmartMedic Million RM150
GREAT SAVER RIDER (this were add on for cover hepatitis B)

the plan coverage period till 41y & yearly annual cost abt RM4+++

I wish to get ILP for my sons. 8yo and 2yo.. Hope some agents can quote me..

Pls inbox me. Tqvm.

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.

Anyone here did knee ACL reconstruction before? After that surgery, do you face exclusion in your knee when upgrading your insurance?

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

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

Hi, can recommend insurance for my parents? My dad (age 67) don't have any and my mom (age 59) just bought one medical card insurance. Both of them non-smoker. I'm more worried about any critical illness that can happen.
Thanks

I guess 100k per year should be enough if go gov hospital? I'm willing to go for deductible if it is more value for money as I can afford a few k from my emergency fund.
My dad got Hep C, no other medical problems that I know of.

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

Does the insurance charge in ILP increase time to time according the health assessment?