hello there.

just want to ask. I am in late 30s. Want to subscribe to medical card for retirement use only as now medical being covered by company I work now. Is it possible?

Tq [email=lifebalance]lifebalance[/email]. As long we declare everything honestly then no problem right.
But what will the company investigation based on?
Lets say the doctor said this cancer already must have for the past 1 year (which would be before i take this insurance), but just now only giving symptom. Can this affect?
Or is it better i do a full medical check up and keep it as prove.

Sorry asking so detail because as we all know cancer is a complicated b**ch.
This thing may not be detect during health screening and might only give effect after second stage like that.

Hi I'm a working in government clinic, turning 30 soon. still single.
I'm not a sole breadwinner in the family.
Would like to know what kind of insurance should i possess at this age.

Currently have
1. Great Eastern Medical card, and a
2. Zurich life insurance that insured small amount purchased during childhood.


I got 2 AIA plans from PB telemarketer:
1. PB CI Protector and
2. PB Care Plus Plan, which can claim up to 6k per personal accident case
Are those plan necessary?   

Please enlighten me!

Does anyone have experience on how to terminate insurance? Been with Zurich for 1 year and decided to change to AIA this month. Contacted my Zurich agent for termination last month, but response is too slow.

Can advise on how to terminate faster (to avoid more monthly contribution) and what is the common lead time for insurance company to terminate our insurance? More than 1 month?

Hi all, just curious. Do Malaysia have a medical card for Diabetes people? I am in the late 20s and got Type II. I Googled Prudential got medical card for Diabetic people but need to be above 40 years old? Allianz also got but the minimum entry age is 30 years old too, I read at Ringgit Plus

I was thinking, is it possible this way,
buy a new plan if can get one, which will most probably excludes all the diabetics related illness.
Use the old insurance limits to covers all medical related to the current illness only but use the limits from the new insurance to cover all others...
Doing this may helps increase the usage of the annual limits quota.
Hv to know what you will be hospitalised for in advance so that the right insurance will be used.

In the mean time, like lifebalance mentioned, Take care.

Hi, this is my current ILP plan. (Pic Attached)
I'm thinking of increasing my Annual Limit on the Medical Card & adding Riders.

I'm speaking from a GE agent which i think i can give a better suggestion:-

1. If I wish to increase my Death/TPD or CI coverage, would it cost less to upgrade my current Rider or to buy a standalone Term Life Online Policy (until 80yrs coverage)?
2 different policies as term and ILP. More precise you need to do a cost of insurance comparison only can tell which one cheaper to go for instead of simply answer you.


2. Can I upgrade my current plan to the Smart Medic Million + Extender & upgrade my Riders, Without Underwriting again ?
You can upgrade it but MUST underwrite again.


3. Would it be better to collect my surrender value & change to Allianz Medisafe Infinite+, as it provides better additional benefits (20% NCB Discount & Traditional Medicine/2nd Opinion) OR should I just continue with Great Eastern because I've already paid the Agent's fee ?
You should continue with GE as u said paid for the commission and this SMX rider still a good medical plan, you just add in Smart Extender (SE), to make ur annual limit from RM144K to RM1.2mil annually. (get more advise from ur agent). By adding this SE, any admission still have SMX to go for.


4. A relative of mine has an AIA Excelife Whole Life Policy.
Is it possible to Withdraw the Cash Value & still maintain coverage by paying the premium annually ?
FYI, whole life has cash bonus not cash value (traditional plan). Yes, whole life can withdraw all the cash bonus and just pay the premium.
Cash value only for ILP plan. ILP only allow to withdraw certain amount of Cash Value but not all.


All research so far says No, however, an Insurance Agent, said Yes. I'm wondering if he's confused Whole Life with ILP ?
Apologies for so many questions.
She/ he definitely confused.

Thanks in advance, been researching Insurance for the past 3 days. I'm confident I can explain insurance policies better than 50% of Agents
<a href='https://pictr.com/images/2021/10/31/BVwdQ6.md.png' target='_blank'>https://pictr.com/images/2021/10/31/BVwdQ6.md.png </a>
<a href='https://pictr.com/images/2021/10/31/BVwuDq.md.png' target='_blank'>https://pictr.com/images/2021/10/31/BVwuDq.md.png </a>

Add in Smart Extender (SE), to make ur annual limit from RM144K to RM1.2mil annually. (get more advise from ur agent). By adding this SE, any admission still have SMX to go for.
Can this be done without underwriting ? Doesn't the SE cause my coverage to have a deductible ? (Image 1)
Still need to go for underwriting, This SE will only comes in after ur SMX limit exhausted. The excess amount from SMX. E.g: total bill RM 200K, SMX will cover the 120K and SE will cover the remaining RM80K.

FYI, whole life has cash bonus not cash value (traditional plan).
This may be a Traditional Plan (purchased in 1992) (Image 2)
Am I right to believe that this policy will either:
A) Pay only the Face Value OR
B) Pay the Surrender Value
The original policy contract, to my understanding, states that it will pay out the Face Value / Surrender Value
OR may be converted into Fully Paid-up / Extended Term-Life

However ur image 2 is still SE rider explanation.

Am I right to believe that this policy will either:
A) Pay only the Face Value OR
B) Pay the Surrender Value
This right because surrender value can be higher than face value. So they will pay whichever is higher in traditional plan.

Image 1 : <a href='https://pictr.com/images/2021/11/01/BVWIlB.md.png' target='_blank'>https://pictr.com/images/2021/11/01/BVWIlB.md.png </a>
Image 2 : <a href='https://pictr.com/images/2021/11/01/BVWbfc.md.png' target='_blank'>https://pictr.com/images/2021/11/01/BVWbfc.md.png </a>

This is the statement for the Whole Life plan. Can you confirm if it's Traditional Whole Life ?
Thanks
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From 10 insurance companies?

I am looking for 2m life insurance that payable in 20 years term BD can cover up to 99 yo.

If those that can cover till 70yo, don't PM me

Need to ask expert here. I have this old insurance policy from GE- Supreme Living care 20 years ago. Since I have bought other policies with higher protection and thinking of terminate this policy. How to calculate how much i would get back? Surrender value only or surrender value + cash Bonus?

Surrender value + Cash bonus.

Btw, do a review with some one who know this policy well b4 terminate it. This old traditional policy yearly cash bonus might higher than ur premium. Why terminate if it is.


You can request for a surrender quote from GE by email to: wecare-my@greateasternlife.com or call in to 1300130088

HQ Jalan Ampang need to make an appt.

Now most the of Great Eastern E-connect function missing? Not able to change my credit card through e-connect anymore ==

Anybody face issue that both husband and wife cross buy life/medical insurance for each other but cannot claim tax because not buy under own name to insured own-self?

Hi guys, want to ask my flexiplan mostly could loan how many percent out?

Hi guys, want to ask my flexiplan mostly could loan how many percent out?

Hi guys, want to ask my flexiplan mostly could loan how many percent out?

Hi all, why does Great Eastern's direct CI standalone plan cost around RM135 per annum for RM50k coverage but the CI rider for Smart Protect only costs around RM50 per annum for RM50k coverage?

What am I missing?

Does any agent know what does "On renewal basis for all plans" mean? Under what conditions will, or will not, renewal be granted?

Great Eastern asks for family history on diabetes, hypertension, heart attack, stroke, cancer etc.

How does answering this question "yes" affect the policy? If people choose to answer "no" when there is some family history, what are the repercussions?

is this plan by Great Eastern any good ?

https://www.greateasternlife.com/my/en/pers...gen-wealth.html