I just contacted my agent, he said my CI covers payout of RM 100k for early/mid/late stage CI. Eg: if a person gt diagnosed at Stage 2, will get a payout of RM 50k and another payout (the remaining 50%) will be paid if disease progresses to late stage. The payout from CI category is to cover loss of income.

He said treatment that involves Chemo/Radiotheraphy, surgery, ICU stays will be covered under Medical
claim of 1.38mil coverage.


If I interpret correctly, your AIA agent mentioned that the CI coverage only covers treatment for late stage?

I don't do ILP. I only want standalone insurance. Critical illness insurance purpose is for you to no need to work and hopefully you can recover. The higher your coverage, the higher your premium.

You can choose what critical illness to buy. You can buy the normal which is late stage critical illness coverage only or you can choose to have both. Late usually you are quite dead already. That's why is cheap. Unlikely you can claim it.

That's why Singapore version is superior to Malaysia. There is no 50%. If you got early cancer, you can claim x amount. If it progress to late, you can claim like 200% of coverage. Let us say somehow you recover and illness came back after 2y, you can claim for relapses (another 200% coverage), if you recover 10 years later you got another critical illness which is not related say massive heart attack or stroke, you can claim another 200% (total 600% coverage). There no such plan in Malaysia.

This post has been edited by Ramjade: Apr 27 2024, 01:00 PM

Is there any travel insurance for senior citizen? 71 years old plan to go to China for 6 days.

Whilevwaiting for value added responses, I kay poh and found this.

I hope it can be useful for your needs. Just not sure if it's okay or not, thus you need to explore it.

Brochure,...
https://www.aig.my/content/dam/aig/apac/mal...ct-brochure.pdf

Website details,
https://www.aig.my/personal/travel/travel-i...wE&gclsrc=aw.ds



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My daughter medical card is AIA plan 2, 1.5 mil annual limit. Now agent said got option to upgrade to unlimited annual limit. 1.5 mil annual limit not enough nowadays?

1.5 mil annual limit in the next 30-40 yrs may seem little for some medical complications

Just hope that the premium to he paid for the "no annual limit coverage", can be sustained by that time when the insurer person is after age 55.

This post has been edited by MUM: Apr 30 2024, 03:00 PM

It's enough, it's more for the next 20 to 30 years

More than enough. There's always catch. They won't offer you truly unlimited. Read the fine print carefully. Not just the brochure or pamphlet.

Hi, anyone heard of Medisaver medical card from longpac? My friend recommended me to switch my daughter medical card from AIA to Medisaver. Premium that I am paying now can be reduced with even more benefits coz no need agent commission. no annual limit (now my aia annual limit is 1.5mil). also Got doc to support for the claim. What is your opinion? Anyone here switched before?

It's legit. You wont lose much except post hospitalisation coverage. Theirs is 60 days only while AIA is 120 days to 180 days. Depending on plan. Lonpac is part of public bank. You won't see people recommend medisavers here cause no commission for them.

This post has been edited by Ramjade: May 2 2024, 09:31 AM

Not recommended.

thanks for the info

oh why?

You'll be losing out on the better coverage as well as better quality of service..

But otherwise, it's your call if you would like to save a few more bucks.

What plan do you have with AIA now? How much is the coverage? How much are you paying now? You say 1.5mil annual limit? Is it called a-plus health, with room & board 200? How long have you bought it?

How much coverage will you get if you switch to medisavers? If you are considering to change, why not visit lonpac website directly and sought out other options?

Who is the person who recommended? Does he get a cut if you change?

This post has been edited by adele123: May 2 2024, 09:51 AM

If you don't mind lesser post hospitalisation coverage, can go for medisavers. The cheapest option is gathersave.

No agent is no big deal for me. You can practically do everything yourself if you read and fill up the forms correctly.

This post has been edited by Ramjade: May 2 2024, 09:57 AM

I am paying rm275 for plan 200. I think got 2 years already. if switch to medisaver, I think save around rm600 per year.

that person who recommended me can some kind of referer fee

this one https://www.lonpac.com/personal-insurance/health/medisecure is lonpac generic product. not the one they design for medisaver.

what is gathersave? from medisavers?

Crowd sharing not profit medical funding.

Did I seem to be replying to you? no? Why take into heart? You don't need convincing from me or anyone else since you're so "knowledgeable" already.

You are just here to try to convince everyone to buy elsewhere than agents even if you had no personal experience with whatever you recommend but you yourself said you bought AIA from agent yourself for your OWN insurance.

Oh, but why?

Because you're just pissed that you sounded like an idiot from the start when you first came into the thread and can't stand to be corrected by us. But nevertheless, you'll claim we are toxic / useless.

Also, I'm still waiting for you to honor your own words to never patron this thread again as you said yourself a couple of post back. But somehow, you're still here. Ironic. I guess you like the toxicity in here and you can't leave.

PS: I'm not mad, just tired of you playing dumb and troll in here. I know your game so I'm calling you out. Let me tell you what's your next move, you'll just continue to stay here and just continue to sing your song to sway the audience thinking you're some kind of "saint" that just tells everyone that it's better to buy insurance without an agent for no commission elsewhere but rather than listen to sound advice from proper financial advisor like me. Cause you just don't want anyone else to listen to but "RAMJADE" - So called financial guru who copy-paste sources from other financial post online.

Keep trying to stay relevant here by continuing to preach your oversea insurance and whatever other small lubang insurance plans that you are scheming.

Again, I'd like to remind everyone of Ramjade's long history here. The above is nothing new. It's been 2 years I assume (didn't bother to check the history log)

Again, as a Licensed Financial Planner myself, I take a neutral stance whether a person buys an ILP or Term Insurance and do not have any special favor towards any specific insurance company.

But I'd like to remind everyone to exercise good financial planning before deciding to cancel something just because it's assumed "No agent = No commission" and assume it's ultimately "Better".

This post has been edited by lifebalance: May 2 2024, 10:19 AM

You're right, it's been 2 years.

Whoever layan, layan lah.
Not my problem to live with.

But yes, it has been quite irresponsible of him to make claims and statements here, and doing for himself exactly opposite of what he told others to do.
What motive leh?
Not my place to know, not my place to care either.
He seems to be a bargain hunter rather than offering advisory, and really just offering nothing more than buzz words.
So it's not a concern to me at the current moment.