can quote me?
I can send you details that you need via PM

I need a comprehensive takaful plan which could cover me at least 300k (death/tpd), 250k (CI), and 300k annual limit (medical) up to 70yo. I have received two quotations from different takaful operators namely prubsn and aia. Both suggests me to take two separate takaful policies (one for medical and one for death&CI) for more coverage at lower cost.

The plans are as follows:

1) prubsn
anugerah+: 10k (death/tpd), 300k annual (medical), level term payment = RM247
warisan+: 350k (death/tpd), 250k (CI) = RM151
add-on: deductable 300 and waiver
TOTAL = RM398

2) aia
a-life ikhtiar: 20k (death/tpd), 300k annual (medical) = RM201
a-life legasi: 350k (death/tpd), 250k (CI) = RM364
add-on: deductable 500 and waiver
TOTAL = RM565

Could someone here comment whether the medical limit is suffice for at least 10 years ahead?
And is it true that aia is generally more expansive?
And which plan is the best?
Is it alright if I choose a-life ikhtiar for medical and warisan+ for death/tpd/CI?

Btw, I am 34, M, nonsmoker, class 1 occup.

Additional info, the Warisan+ sustainability age is quoted as 55 instead of 70. Do you think that this could be the reason of lower price quoted? What is sustainability age anyway?

Hi guys,

Just to clarify. Allianz have no claim refund upto 20% of COI.
Does it mean the 20% is from only the medical (medisafe infinite+) coi or its including overall COI (life,medical,critical) ?

I see that after 10-20 years the coi is very high and can save some good amount of money.

Hi all,

I am 23 currently, non-smoker, work as software engineer. Right now I am subscribed to a policy from Prudential that my parents bought for me since I was a child:

PRUmy child MYR 50,000
Crisis Shield Benefit MYR 50,000
PRUflexi med
-250(room&board)
-no deductible
-50,000(annual limit)
-1,000,000(lifetime limit)
Enhanced PRUpayor Basic

Premium MYR 170/month
My agent is proposing me to surrender the old policy and change to a new one:
PRUWith You MYR 50,000
Crisis Guard MYR 50,000
Acci Guard Plus MYR 50,000
PRUMillion Med
-200(room&board)
-300 deductible
-1,380,000(annual limit)
-no lifetime limit
Payor Basic

Premium MYR 250/month
I am wondering if it is possible to upgrade the old policy to have similar coverage as the new proposed policy especially for the medical card, or do I really have to surrender the old one and subscribe to the new? Thank you

Hi Sifoos, I am considering insurance for my daughter, age 9. 

Option 1
Monthly              RM 230
Age Coverage  100 years
Death/TPD          10k
R&B              200
Annual Limit  1.2M , unlimited lifetime
Parent Contributor Yes

Option 2
Monthly              RM 180
Age Coverage    70 years
Death/TPD          10k
R&B                    300
Annual Limit    1.3M, unlimited lifetime
CI                      50K
Parent Contributor  Yes

Thanks in advance your advice to help me to choose the above.

Thanks for your feedback and option.
Thanks for your reply.

1. What is the kind of benefit you're looking for the child ?
   - Basic Life/TPD, Medical, Parent Contributor. CI if the budget permits.
2. Sustainability ?
   -  I would prefer 100 years, however would like to know pros and cons between 70years and 100 years.
3. How much are you budgeting for the child ?
   - RM 230 is the max.
4. Do you plan to set aside for education ?
   -yes, just to cover for the above benefit.

Hi  ,

Got a few questions to ask:-

- If a person decide to migrate from Malaysia, does the insurance he/she bought still cover or have to surrender?

- For critical insurance - any comments which policy to choose or ratio of multiple CI policy shown below?
AIA CI - RM 150k
    A Plus early Critical Care
    A Plus Multi Critical Care
    A-Plus Beyond Critical Shield and A-Plus Beyond Early Critical Shield

Oh gosh, 'criminal or terrorist activities' is also not covered.

Does insurance providers have the practice of buying over policies from another insurer?

Is it advisable to port over to another insurer after close to 20 years?

What are the pros n cons to consider?

Thanks for the input.

Let's say I have a medical card with PRU and AIA; can I claim from both concurrently? If am not mistaken, only from either one.

Hi all,

I'm looking for insurance for my newborn. However, he has been diagnosed with hypo-thyroidism, a condition where the thyroid gland is not producing enough of the thyroid hormone.

Current treatment is a daily dose of oral medicine that boosts the hormone. Is he insurable?

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Saw this on FB. Anyone know what is this? We get a free rider with no extra premium??

Thanks, was informed by friend that AIA is now giving out GL for COVID. Previously was a no

Yes, I'm looking for quotations currently. Will be willing to provide details

Yes, I'm looking for some insurance sifus to quote or to direct me to some agents. I already have for Pru. Open to look at other Insurance Co. quotations as well.

Pre-existing condition for baby: Hypo-thyroidism (Lack of thyroid hormone)
Monthly follow up at Hospital Putrajaya
Daily oral medication to up the hormone needed.

Child:
DOB 29/6/2021, Male

Me:
DOB 11/5/1986, Male, IT professional, non-smoker

Preference & Focus:
Medical card (co-insurance is OK) CI, minimum sum assured.
Life product, unit-linked.

Budget: Below RM 200

Companies quotations I already have: GE, Pru, Allianz

Mind telling, just for added knowledge sake,.... Did those insurance that quoted you,.....Did they exclude that preexisting illness or includes extra loading on the premium?

Hi guys, can recommend me a medical card which is non-ILP?

Hi All,

Appreciate someone agent can answer my question.

I have couple of insurance policies (medical investment link) with AIA which were bought more than 10 years ago.

The medical coverage is very little (30k annually and life time 300k) which isn’t quite sufficient for rising medical cost.

1. Can I revise the coverage on existing plan ?
2. Do I need to approach the agent that I bought policy from ? Cause the agent is no longer working as an AIA agent.  Can I approach other AIA agent and would other agent assist since the policy wasn’t purchase from them.
Thanks.

May I know how policy holder deal with claim if they were park under the company?

Hi all sifu, I want to buy PA, my budget is less 900 per annum, I thinking to get either

AIA Flex-PA - Plan FCPA-500 (RM875.56 per annum)
https://www.aia.com.my/content/dam/my/en/do...Brochure_FA.pdf

AXA SmartPA Enhanced - Plan 5 (Rm708 per annum)
https://axa-com-my.cdn.axa-contento-118412....ed+Brochure.pdf
I have a cousin who is AIA agent so it will be convenient to help me submit the claim and she has handled my case before.

But comparing with AXA PA package, it seems AXA offers better coverage than AIA.

If I buy AXA, touch wood if sth happens to me, will it be a hassle for me to claim since no contact to reach out?

Any other PA better than AXA and AIA?

Hi all,

I'm 40 for next bday, BMI 32, taking high blood pressure and cholesterol medicine. 

Current with AIA ILP with 90K annual, life time unlimited. Thinking to increase my annual limit cover by apply for Deductible medical card.

Would like to have some advices from all the SIFU here.

Thanks.