Lol 70K?

How many years he paid already? Cash value can sustain for 10 years kinda very good.

30K upfront? Now it sounds like those forced-loan insurance thingy.

U take a "loan" from insurance and after 10 years u get back XXX amount + interest (while enjoying insurance protection)

If the policy is not terminated by 10 years (and withdrawed) can auto extend while deducting the cash value.


I attended such thingy like last year hotel. There alot hnnghhh amoi agent explain the plan to u.
Ayam calculated macam very good plan somemore they give free hotel voucher (voucher with Lexis hotel picture)

Even i ask for 2nd meetup also the hnnghhh amoi agent ok lepak at cafe explain more details to me.

Eventually i realised that 30K wont get back lel. Overall rugi compared to putting i FD.

This post has been edited by WaCKy-Angel: Oct 3 2023, 05:30 PM

Deductible can nego? I thought its fixed, some companies ficed RM300 or 10% of total payable.

But wouldnt it be cheaper to cancel old policy and buy only 1?
Unless u have pre-existing condition.

How to go about asking for so high deductible?
Quite interesting

Yea i know but usually deductible are fixed according to the plan.
Didnt know can customize

Anyone can explain how to split a claim to 2 medical cards?

Like say if fees is 50K and got 3K deductible/co-insurance can use another card to claim for that 3K amount?
The thing is both companies requests for original receipts and/or hospital reports. How do i submit only 1 original copy to both?

Also related to above, the real situation i want to ask..
I was admitted but post-admission is pay&claim and no issue for claiming post-admission.
However i want to ask does outpatient GP also considered as pre-admission? Is it depends on the policy clause?
Lets say policy does say GP pre-admission not covered, is it possible to claim this GP pre-admission under different medical card (as per 1st question)?

Yes GP can claim under employee benefit, but how about if unemployed? Or GP limit exhausted?

I guess have to check the policy to know GP pre/post covered or not.

Thanks now i know how it works.

This company medical card under GE says they dont cover Pre-hospital medication and GP consultation.
I went back to the GP request for receipts for all visits period of 1 month for the same illness before the admission end up GE says all not covered.
Can still claim these using personal medical card?



It says "subsequent consultation" by GP and Pre-medications not covered.

I'm surveying medical card for my 5 years old son.

Don't think need Life Insurance or CI.

Standalone cheaper or IPL cheaper?

Can advise what is the limitations and cons?
Other than if high claim they might reject renewal?

Rider also face premium increment lor.

Bruh my son just 5 years old. I dont expect to keep tied to 1 single policy/company until his retirement age.

I'm thinking when insurer ask for premium hike i would survey for other companies that gives similar or better protection at the similar price, take whichever cheaper.
As long as no serious illnessess that nrw company may reject right?

If u all remember last year i posted my son's 3-in-1 policy from P insurance.

Tl:dr version

Auto debit failed due to CC fraud so might missed 1-2 mths premium after that enrolled new card and had no issue for a while, until suddenly received final reminder policy gonna lapsed.

Asked P what happened they just say autodebit failed but checked the CC no prob no barred no overdue etc...

Nvm re-enrolled again and paid extra 1-2 mths premium during enrolling.

Few months later again get reminder policy going lapse again.
Asked agent she just ask to topup another 8 months to avoid same issue.

What i dont (still) understand is why cant i just let the available balance amount in ILP to cover the premium? Even until RM0 i don't mind.

But lastly i think that is how ILP policy works. I need to topup back thodr missed monthly premium.

So i give uo the policy coz i think not worth it to topup back 8 months plus the 4-5 months that i had already topup earlier.


So here im surveying for new medical card only policy.

I done endoscopy (upper enteroscopy) last week and need to go back to follow up.
Just wondering this follow up is considered post hospitalisation or outpatient specialist claim?

My current Life Insurance premium is RM378/month bought it since 2018.

Just wondering if switch company would it be cheaper?


Life Insurane quite simple right? Dieded then get payout..
I think the investment part that bear some effect if return not good then less return?
anything else that need to be considered before switching?

Looks like they are trying to deny ur claim by pointing out u have existing illnesses.

Mind to share what illness u claiming?

Btw u bought directly from HLA or thru agent? If thru agent why is the agent not helping on your claim?