cut story short, for kids = just get medical card is sufficient

does any one change agent from the same insurance company by buying a new product/policy? how does it work?

PRUSenior Med, if the pre illness doesn’t declared during purchase and find out later. What will happen ? The paid premium will refund back?

Hi,
I have been holding my Great Eastern medical card - Great Medi care2 for more than 10 years, recently I was thinking to upgrade the plan, but I heard from my agent the plan no longer able to upgrade and I must take up the new investment plan smart protect.
Does anyone know if it's really true that the GE no longer allow to upgrade their Standalone Great Medi care2?

Hi, my dad's GE insurance due on Dec.
I own OCBC Titanium MasterCard but this only 0.1% cashback.
Is there any good credit card is good to earn cashback for premium payment besides OCBC Great Eastern Platinum Mastercard (I am not the policyholder)?

Does anyone know if other insurance company besides GE charge a loading for being underweight? Is this a standard policy among for all insurance companies to charge underweight?

* non smoker, no medical history, all healthy after check up.

I know that. I'm asking if anyone knows or encounter this underweight issue with other company besides GE.

Hi guys, Need advice.

Holding GE:
(1) Life Insurance: RM190K
(2) Critical Illness: RM100K
(3) Room: Rm200
(4) Annual Limit: RM1.2M (unlimited Lifetime)
(5) Investment Link

Owning since 2010. RM320/month. In early 30s
My question is: recently im thinking top up, should I top up more money in GE to upgrade or apply 1 more from different renowned insurance company? Reason being I want more protection and I heard from my friends said don't always rely on 1 insurance company.   

HI all, my parents were born in 1956 and 1964, but they don't have any health insurance. They always said government hospitals were fine (or semi-private), but I think I want to get them a basic plan (better than nothing).

Please let me know if you have any recommendations.

Do be careful in forums and social media as you'll tend to get "advice" from unqualified and unlicensed individuals who have never practiced insurance in Malaysia or is even qualified to advise. You should treat such advice as hearsay or unreliable as they've nothing to back them up whether in knowledge or actual job experience. (It's akin to asking medical advice other than from a Doctor; They'll probably tell you, just drink water will be a cure-all).

How to know if these people are not from the industry & are not professionals?

- Incorrect, this is akin to generalize all insurance applied by old folks are 100% to get loadings & exclusions.


- Utter nonsense, you have no idea what you're talking about.


- You are supposed to make truthful declaration, this is not ignorance.


- Again, you have no idea what you're talking about.
- After a long essay, provides 0 (zero) useful input or even a solution to the person's question, ends with "Can afford long term payment then [go ahead]". It's like telling a person if you think you can afford a Ferrari long term instalment, just go ahead lo.
- How is this even helpful?

Hi, any best plan for below
Looking for medical around 1m per annum, critical illness

1. 35yo, male, indoor office job, non smoker, no history record

2. Baby 2yo, male

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?

Checked with my agent few times and he just said submitted but i have not receive reply yet. eConnect still show same benefit same riders. I better call or go to GE when free. My agent no more keen to service me after i rejected him to upgrade many times.

Need some advise on insurance for my child who diagnosed with minor Autism.

First have been rejected by AIA. Reason is because pre-matured baby -> leading to under developed speech and slow learning ability. Hence the Autism diagnosis. This leads to speech therapy, intervention class, Occupational Therapy and etc

The helpful doctors at GH have informed us we can register for OKU so we can get some rebate under Income Tax (ie 6k/ year) and opportunity to go to a suitable kindy or suitable school.

However I am informed that with OKU card registration, Insurance would not accept policy. Hence I would like to confirm if this is the case for Insurance company in Malaysia.

I am thankful for any helpful comment

I have a question regarding using cash bonus to pay premium for my Great Eastern life insurance. In the policy I have CASH BONUS ALLOCATION and CASH SURRENDER VALUE amount which I received on yearly basis. Currently I'm still paying the premium every year using credit card and the critical year is 15 years which is already over and I understand I can use the cash bonus to pay the premium.

If I decide to use cash bonus to pay my premium from year 2022 onwards, will this affect or reduce the amount for the CASH BONUS ALLOCATION and CASH SURRENDER VALUE for 2022 and thereafter?

Thank you.

My company getting company for my wife and I, provides maternity and newborn benefit
but there’s a condition , can someone help to clarify this

IF PREGNANT UPON EROLLMENT, MATERNITY AND NEWBORN INFANT CARE BENEFIT IS SUBJECT TO 12 MONTH WAITING PERIOD
Active from 1 January 2023

thanks

My child is 10yo now, what are the pros and cons for getting a education saving plan now?

I cannot decide. thanks

Hi, I have some questions about nominee/beneficiary and will for AIA insurance.

1. Can I appoint nominee or beneficiary for my AIA insurance in MyAIA portal?

2. What is the formula to calculate how much the appointed nominee or beneficiary will get when I passed away?

3, Who will get the insurance proceed when the stated name in the will for the same policy number is different with the appointed nominee or beneficiary?

4. When trustee (policyholder's wife) is selected, will this trustee receive the insurance proceed, just like nominee/beneficiary, when the policyholder passed away?

Thank you for your reply.

Question 2: I am referring to the formula such as Procced receive by the beneficiary (one person, 100%) = x + y + z +.....
so what is the x, y, z and etc

Question 4: I noticed my dad life insurance is putting my mum's name as trustee instead of beneficiary/nominee while my name is label as beneficiary for some life insurance. Just wonder will my mum has issue to receive the fund for that insurance when my dad is no longer with us (touch wood).

I am looking for medical card only without any ILP.. Requirements
1. Unlimited lifetime limit
2. Annual limit of RM500k-RM1m
3. Able to cover cost of single room i.e RM250-300
4. Able to buy online without any agent

I am open to AIA, Allianz, AXA, etiqa.