Oh from my understanding if standalone medical card they will have health assessment then increase your premium (like if u claimed something then they increase premium?) correct me if im wrong

Oh i see.... Any company which doesnt apply loading to intro?

Haha so mean it doesnt exist then... Any standalone medical card to intro?

Hi all, I am currently 32 years old, non smoker, and I am considering an ILP plan between Prudential PRUMillion Med with 300 deductible and Allianz MediSafe Infinite+ with 5k deductible and retirement option, since I have company insurance to cover until I retire.

Would like to seek for advice which one you will recommend:
1. If I planning to go Singapore to work for few years, which plan will be more suitable for me?
Allianz
If the Life Assured resides or travels outside Malaysia, Singapore and Brunei for more than ninety (90) consecutive days from the day the Life Assured leaves Malaysia, no benefit will be  payable for any medical treatment received by the Life Assured outside Malaysia apart from Singapore and Brunei.
Is that mean that if I need medical treatment in Singapore, it will be covered?
Yes as stated ... apart from Singapore and Brunei.

Prudential
If you choose to have or if you have been referred to be treated outside Malaysia, the benefits for the treatment are limited to the reasonable and customary medically necessary charges for equivalent local treatment in Malaysia and subject to 90 days residence limit.
Is that mean that if I am out from Malaysia for 90 days, then I will not be covered?
If you exceeded the 90 days, it's not covered

2. What happen if I want to opt for higher R&B when I get hospitalized?
For Allianz
You shall bear the difference in the Hospital Room and Board charges if the Life Assured is hospitalised at a Room and Board which is higher
than his/her eligible benefit.
Is that mean that if I have a medical card with R&B 200 and I opt for R&B 300 during hospitalized, I will need to pay for 100 per day only? I remember that some other insurance companies might need to pay 10-20% on top?
You just pay the diff on the R&B cost

How about Prudential in this case?
- same as AZ
Thanks a lot for your help!

Hi guys~ any review on the GE Great Flexi Wealth plan?

just to get savings, not really focusing much on the coverage.

is there anything you recommend? not really well versed in this area.

Hi,

MY HLA life insurance (investment-link) has been sending notification since 2020 to me saying that the yearly payment is not enough to cover to certain years and require me to top up.

Has anyone experience this before, and do you really top up the yearly payment as instructed?

is there anything you recommend? not really well versed in this area.

Hi. I am currently on PRULink Assurance Plan. My monthly payment is around RM 337. I would like to change to a cheaper plan. Is AXA Medical good? Any agent can recommend me?

It has come to my knowledge recently that only AIA covers for hospitalization (medical card) due to ‘Pandemic’, thus any admission due to Covid-19 can be covered by their medical card.

Being a Prudential customer for close to 20 years, am a little disappointed that PMM or PVM does not offer the same benefit; especially when we need it the most.

I understand that one can opt to be treated in private hospitals at present if one is to be unfortunately infected with Covid-19. The cost cost of treatment can run into hundreds of thousands if you’re in the critical stage.

Am looking into taking up AIA’s medical card and eventually disposing off my PRU med cards for the entire family (Will maintain Life, TPD & CI with Pru).

Need some unbiased opinion on this matter.

what does it actually covers?...the cost of the expenses or just provide some sort of "consolations expenses/benefits"?
and also does this "benefits" has any sort of "coverage effect expiry date" or until total targetted pool of money being used up?

got his from the net,...

AIA MALAYSIA OFFERS TWO FREE COVID-19 COVERAGE TO HELP EASE MALAYSIANS’ CONCERNS
08 June 2021
https://www.aia.com.my/en/about-aia/media-c...s-concerns.html

from this A-Plus Health Medical Protection link
https://www.aia.com.my/en/our-products/medi...lus-health.html

mentioned,....

EXTENSIVE COVERAGE FOR COVID-19
Under this medical plan, you will receive extensive coverage for COVID-19. If you were to experience any side effects or complications from taking an approved COVID-19 vaccine that requires hospital admission, you will be covered for the cost of your medical treatments. Our COVID-19 coverage also includes hospitalisation in the event you contract COVID-19, whether it is an admission to a government or private hospital, as deemed necessary.

i noted this condition "If you were to experience any side effects or complications from taking an approved COVID-19 vaccine .........."
will it meant non side effect not covered?? 

In that case, what am I paying for every year?
Thanks. Yes, it is the Policy Sustainability. Can I just ignore it and hope the market will improve and so does the insurance sustainability?

In that case, what am I paying for every year?

Thanks. Yes, it is the Policy Sustainability. Can I just ignore it and hope the market will improve and so does the insurance sustainability?

I am 40 years old this year this year and my policy rate keep on increasing every year. My policy cover 1 million and inclued savings too, But i am currently facing finacial cirsis as i have to pay for my wife and daughter poilicies too, thats why i am looking lower coverage cheaper alternative. I heard that AXA 3-in-1 policy is below RM200 per month. Is AXA policy easy to claim and reliable?

just asking for knowledge....on this item 3,.....will interest rate be charged for that withdrawal? if YES, what is the rate pa?

What are the fixed interest deposits you mentioned? so far I see FD highest also 2.5% only.

hi chiayi , maybe put it this way / in lay man terms

FD
you set an amount like RM5000 and FD term for 1 year
1.during this one year you can still withdraw 5000 out in case of emergency but all interest gone
2.keep this money for 1 year and you get the interest + your initial 5000 capital

Life insurance savings plan [ regardless of insurance company ]
1. you set an amount to save every month...for example RM50
2. you set a term that you need to commit .... normally 20-30 years , you need to commit with the duration terms at first
3. as long as you continue to save , you can get guaranteed / non guaranteed bonus or interest [whatever that insurance company written in black & white]
Difference here is :
1. if we are diagnose with CI / disabled , savings plan still go on and born by insurance company
*subject to different insurance company terms & condition on covered waiver
2. you can get bonus / interest in between where you can partially withdraw or just keep inside the saving account ,
normally principle money is locked until end of contract only can take out.
3. most of the cases , after you commit the savings plan and in between if you want to withdraw principle money is not allow,
if you fail to save / surrender halfway, your principle $$ / portion of it will gone depend on insurer T&C written.

Same goes with EPF , PRS , SSPN and so on ... all got their different function and terms ,
Most importantly is you understand each of it in details and choose those that suits you the most.

1. if we are diagnose with CI / disabled , savings plan still go on and born by insurance company

2. you can get bonus / interest in between where you can partially withdraw or just keep inside the saving account ,
normally principle money is locked until end of contract only can take out.

Same goes with EPF , PRS , SSPN and so on ... all got their different function and terms

I also did a comparison of PRUmillionMed and Allianz Medisafe Infinite with deductible last month. In the end I chose Allianz because terms seem more favourable imo. Eg longer pre & post hospitalisation coverage, include genomic testing, etc. There is also a “no claims refund” to cash value which i find it useful if you are generally healthy. Especially when you are older next time, the cash refund (based on coi) will be greater if assume no claims. These were the plus points that made me decide AZ over Pru. Personally, i feel my agent is quite good. Can intro to you if you want. Hope it helps.

medical inflation is in double digit and if you say return investment fund is only 2-5%, like this sure need to topup premium

Yes now allianz have a friend of allianz program to earn 50% of agents commission. But i also bought for my parents and child insurance from AZ before the FoA program was launched. Why i say my agent is good because she does not just try to push sales to me, and try to cater to my needs instead (i get annoyed with pushy people). The FoA is just a bonus income during this hard times 😂

Hi sifu all, I need some advice. I plan to get a life insurance for 500k to cover for my housing loan MRTA. One AIA has quote me to pay around 492+ for an investment link life insurance for 20 years. It is worth it for me paying for 20 years? 500 per month for 20 years.. the agent told me that i can take out the money anytime if i need it.. not sure how true it is. Mind to advice. Serious yea thanks

thats why i not sure.. the agent gave me a chart 10 years 20 years and up to 70.. then 70 years she say returns is lower.. 10 years is the best.. but very expensive.. i never have any life insurance so i am not sure about this

Haha but honestly i dont mind to dont earn that foa commission.  It is too little. Say people normally buy insurance at Rm200-300, agent commission is 20% so rm60 a month. Then u share half, so rm30 a month for 12 months. Too much hassle for the small return. Rather let the poor agent earn, they need to earn a living also.

Insurance is a funny thing, most people dont want to spend money on it. But when u need it the most, u cant get it anymore. I was like that also, hesitant to commit myself to insurance, have to pay few hundred each month. If you go to the shop buy cake, u pay money, u bring back a cake. But if u buy insurance, every month u pay money, but u dont bring anything back home. Im still young, but i recently got to know i have early stage cancer. Didnt have any signs or family history. Luckily i have bought mine although it took me a few years to decide. So i would say i have experienced both side and i reiterate, insurance is really important because when u really need it that time, u cant get it anymore.

Is tongue tie covered under prenatal insurance?