the coverage is not so good.
last time was continued since i adult and i pay for it myself. it is from my childhood insurance i think

the medical card only allowed max 250k for whole lifetime…

i am comparing it to medical card now mostly have annual renewal of 1mil. at least no need about worry lifetime limit.

Yup. Understandable. 250k is abit low. Do try ask HLA. Maybe they have better medical plan but not until 1mil annual limit.

For comparison, i can share with you my HLA plan even though mine is not the same plan. My annual limit is 120k. Lifetime limit 720k. It's low relatively but really we dont need 1mil also la. I would prefer higher too. Maybe >300k is peace of mind. 1mil is marketing la. Sell you things you dont need.

basically, i wouldn't say its marketing. insurance is really not the things we need when we are healthy. but like you say yea it is good to have at least 300k for now. so far we do not have claims that exceeded 1m. the biggest medical claim is close to 500k (more than 120days hospitalisation). if really can afford to get at least 1m, it is good to have. we dont need it now but this is something to prepare for long term when we are healthy at least you have 120k which i think it is better than nothing. that risk is still transferred to insurance companies

question: referring to online purchase CI, when it mentions cancer, does it cover all types of cancers including gender related? ; ie breast; ovary; uterus? or another specifically lady coverage should be purchase??

This post has been edited by kucingfight: Jun 26 2022, 12:46 AM

If you buy online, they will give you contract to read online. Download and baca.

In general, they will cover all parts of cancer. The question to ask is, do they cover early stage cancer?

This post has been edited by adele123: Jun 26 2022, 09:00 AM

Hi, anyone can let me know the premium of a life insurance with 5mil coverage pls? Male, smoker, 44 this coming Nov. Can the premium be paid in said 5 years rather than throughout the policy enforcement. Looking to leave a handsome sum to my family once I turn into dust.

You can have the option to pay it off within 5 years.

That also depends on how long you'd want the policy to last you until.

Said I want it to last till 80. What happened if I still survive by then? What do you recommend? Till 100yo? What is the premium amount we are looking at?

hi glamoroussoul, the total premium will be around +-1.3m for it to last till 80 y/o. if you survive by then and if you don't need this protection anymore, you can terminate the plan and take whatever cash remainder. if you wanna extend, then need to top up so it can last till 100 y/o.

what to do when you have a lousy agent? that does not assist you when you have problems?

can request to change ?

You may request to change with the insurance company.

How is the CI policies under KWSP i-Lindung plans differ from the other CI plans in the market nowadays?

Premium seems to be rather cheap but not much details available

It's a very basic coverage of Life and CI. You may refer to their PDS.

I wonder if the i-lindung is profitable for Prudential?. Or could this is part of giving back to the nation / national service

login to your kwsp and then i-lindung
or try https://ilindung.kwsp.gov.my

get a quote then got show PDS

Havent compare yet but i think its same as getting an insurance online from other platform

This post has been edited by onthefly: Jul 13 2022, 11:23 PM

Insurance business is always profitable 😆

Hahaha. You wish. No one will do "rugi" business. You hope at least it's not too profitable.

Should compare etiqa, see who cheaper. I personally buy from etiqa website for some basic coverage, very cheap.

i thought it was some govern special 1. then when login i-lindung only realised it same as getting online plans

Just asking,... If I am not mistaken, insurance plans from this i-Lindung can use epf money to buy,... Can those other online insurance plans use kwsp money to buy too?

Hi Sifus, need some advice.

Thinking to upgrade my insurance policy, especially death, TPD and CI
Medical 1.2 million, death 300k, TPD 300k, CI 250k pay about RM 330 monthly , combination of Allianz and AIA

29 years old, working in shanghai, medical insurance is covered but my agent recommended to review and increase the 3 segments except medical since can’t use it here .

The question is whats the wise increment?

I was suggested to get 10-20 years term insurance during active income stage or million dollar policy.
I am pretty confused so wanna get some insight here too.