Hi everyone,

I'm a silent reader and now wanting to get a medical insurance coverage for myself. I've gone through Fi Life package which seems to provide good bed and board rates of RM500/night with annual fees of only RM1k++. Anyone has tried to claim or use Fi Life before? Appreciate your input here.

Thanks

Anyone using Allianz Medical / Life insurance? Have you guys received the premium received statement?

My 10 years MLTA going to expiring soon, still have hefty amount of housing loan, was thinking shall I renew MLTA or just online purchase term life insurance will do? Objective is to spend minimum premium while maintaining the house for elderly parents with zero income and no EPF.

who claim money for me if i die already and no insurance man to settle payout

Any prudential expert here?

My bro claim was rejected on the basis he was not admitted to gov hosp, but to quarantine centre. It is not his choice where he was sent to.

Any way can appeal this case? Pretty disappointed of this rule and he never claim anythg in the past 7 years oso.

Recently i was admitted because of back pain during lifting heavy object and the claim was denied too. I got all the relevent docs from the hosp. In my 9 years of paying the premium, the only thing i claimed was dengue fever which costed me RM600.

Yeah, he is ok and was only having fever and loss of taste.

While i understand the argument, i feel that many providers can offer reward to those are taking care of their health. Similar to car NCD perhaps. I refrained from smoking, alcohol, bad air, food, plenty of exercise etc. Yet my friends with bad lifestyle benefit the most. That is why i was disappointed when my 1st ever claim in 5 yrs was rejected, despite the bill was less than half my monthly premium. I feel they should take a look at my history and know i’m not faking my accident.

Hellooo!  Newbie here...salah silap tolong maafkan ya.

Just want to ask if anyone of you have heard of AXA eMedic? My cousin recommended it to me and it looks pretty good to me.

Major plus point is it's quite affordable lah - though the annual limit not very high.

This is the website he sent me: AXA eMedic

can sumone suggest me insurance for 1 year old and how much eill be the cheapest premium and what will be the coverage like?

Hi Everyone:
I have a question on the Allianz Insurance. I bought some products like Powerlink, Premierlink that came with investments. However, looking at the statement that I am trying to find what's the annual return for the investments/funds. Any agents can share with me how do I see this in the statement?

For insurers, before we even buy that policy, we were told there's a guaranteed return of 2.5%, however, this amount is nowhere listed in the yearly statement. Please enlighten me.

Thanks for the information; in fact my memory served me wrong, there's no such thing as guarantee returns after reviewing the policy again.

Unfortunately, with this high premium I am paying for Allianz insurances (8 premiums for 4 persons!) but getting horrible returns is something I want to get rid of.

Thanks again.

Hi, I wanna ask, for e-medical card, how do i go about this? Let's say need hospitalization; I just tell the hospital that I have insurance? Or do I need to print my e-medical card and keep it with me always?

This is for Prudential.

If i recall correctly, my agent told me that for prudential, yups, within the first 4 months i have to pay first and then claim later. After the 4 months, then during admission, have to pay rm500 deposit first and when discharged, rm300 out of the rm500 will be paid to prudential.

I have a protection plan from AIA (A-Life Signature Beyond), it cost me 1.3k per month, already paid for around 2.5 years.
Recently i review my financial status and i realize the cost of this plan was build up from A-Life Signature Beyond-RM555 + A-Plus CriticalReset-RM759 per month.
The initial motive i bought this plan was for the 500k protection (A-Life Signature Beyond) for my family, i do aware i have the reset plan, but i didn't aware that it cost more than my main protection.
So it came to my mind to cancel this plan (i dun mind the sunken cost) and go for pure protection, because 9k per year just for reset is too much imo.
But on 2nd though, i already paid for the 2 years 50% premium, if i continue to pay what im paying now, but withdraw 9k from my account every year, will the the reset plan still sustain? Is this approach possible instead of cancelling it?

ok understood, thanks!
Yes it's an additional protection, if i understand correctly, the reset grant me protection twice (which mean i still entitled for protection if 2nd illness were discovered). But the reset payment alone is more than my main plan.

A-Plus Critical Reset is not really mean for CI coverage right? As i understand the main purpose is to reset the coverage if u have been diagnose of CI the 2nd time.
A-Life Signature Beyond it self already has CI coverage no?
But paying reset with price higher than my main plan is weird, i might as well buy 2 plan and its still cheaper.

Hi, Manu Secure & Manu Wealth a good insurance cum saving plan ?
Any pro can describe more?
Thanks

Through the provided linked i found my plan
https://www.aia.com.my/content/dam/my/en/do...ct-brochure.pdf
So my main plan doesn't cover critical illness... If that's the case im fine to maintain my CriticalReset plan...
Thanks   

Just out of curiosity, im non-smoker, never admitted to hospital b4, bought my plan at 30 age
the example cost in the brochure is way cheaper than mine (30 y/o 15.8k vs 40 y/o 9k), what cause the huge different here? Because my plan cover to 80 y/o?

high return saving plan bro

But this manu secure & manu wealth looks attractive

I know i have CI coverage, but misunderstood on the combination
i tot my plan is A-Life Signature (Accident + Death + disablility + CI) + CriticalReset (Reset only), but actually is A-Life Signature (Accident + Death + disablility ) + CriticalReset (Reset + CI)
usually i like to ask around, whos know what she might hiding from me, and also getting different opinion from diff ppl often giving new insight 

Wonder how much medical + CI cost now?
How much Annual limit is good enough?

Start from 1mil? Roughly how much ya monthly

guys, want to ask, usually life insurance with investment linked and non investment linked, got huge premium differences ka?
try to get Etiqa life insurance but my medical card agent push only the investment linked one. without telling me the non investment one after asked.