hi all sifu here, im glad tat i found got tis thread here. actually i dunno much abt the insurance & benefit but during the MCO stay at home i study & learn a bit of wat my insurance cover.  before i ask anything plz understand a bit my detail below....

i got few existing GE insurance as the product breakdwn below

1. MULTICARE85 = sum assured 35K.  [yearly annual =RM6++]
2. ENHANCED SUPER LIFE + REDUCING TERM RIDER PLUS WITH TOTAL AND PERMANENT DISABILITY BENEFITS = sum assured 25K each covered. [yearly annual =RM6++]
3. GREATMEDIC CARE 2 = sum assured RM150, limit balance 90k.  [yearly annual =RM9++]

currently 38yo, single, low risk job, non smoker. healthy but got hepatitis b (jz recent year find out, confirm tat i dont have whn i purchase all the insurance above)

recently my agent call & offering me a new medical insurance plan as below
Insurance premium 12k
Premium waiver RM3+++
Critical Illness 100k
SmartMedic Million RM150
GREAT SAVER RIDER (this were add on for cover hepatitis B)

the plan coverage period till 41y & yearly annual cost abt RM4+++

the only different new plan compare wit all my current existing is no premium waiver covered but higher payout cover & it double the yearly annual fees. mayb my age & risk effect the premium high

here the question:
1. does my existing insurance enough to cover? (is ok even no hepatitis cover atm)
2. do u think the new plan have better coverage?
3. let say if i take the offer, surely GREATMEDIC CARE 2 will cancel it after 2 year. how abt the other 2 plan? shud i cancel or keep so i can utilize all the repayment?

btw, my monthly income jz enough to pay off my repayment if i take the new plan.

plzz give me ur opinion, advice & enlighten my dilemma to take the offer or not. bcoz if i dont take the offer, afraid the coming year (whn the economy better) will not get the better premium payment.    

sorry for the long read, thank you & appreciate. 

recently my agent call & offering me a new medical insurance plan as below
Insurance premium 12k
Premium waiver RM3+++
Critical Illness 100k
SmartMedic Million RM150
GREAT SAVER RIDER (this were add on for cover hepatitis B)

the plan coverage period till 41y & yearly annual cost abt RM4+++

It's a good effort for you to take some time to understand your insurance coverage.
I'm confused by you on Insurance Premium is 12k but you mentioned somewhere below
So are you paying RM4xxx or RM12xxx?


1. I won't be able to comment without understanding your personal finances. I'd normally conduct a Financial Health Check to understand you better.
2. There is, depending on how the plan suits you, I'd normally tailor a plan with a few insurance companies for comparison and you decide which is best for you after I've understand your personal finances.
3. Can't comment much as those other plans maybe older plans, I won't be able to tell from the premium charges v future charges.

hi all sifu here, im glad tat i found got tis thread here. actually i dunno much abt the insurance & benefit but during the MCO stay at home i study & learn a bit of wat my insurance cover.  before i ask anything plz understand a bit my detail below....

i got few existing GE insurance as the product breakdwn below

1. MULTICARE85 = sum assured 35K.  [yearly annual =RM6++]
2. ENHANCED SUPER LIFE + REDUCING TERM RIDER PLUS WITH TOTAL AND PERMANENT DISABILITY BENEFITS = sum assured 25K each covered. [yearly annual =RM6++]
3. GREATMEDIC CARE 2 = sum assured RM150, limit balance 90k.  [yearly annual =RM9++]

currently 38yo, single, low risk job, non smoker. healthy but got hepatitis b (jz recent year find out, confirm tat i dont have whn i purchase all the insurance above)

recently my agent call & offering me a new medical insurance plan as below
SMARTPROTECT ESSENTIAL 3 12k
Premium waiver RM3+++
Critical Illness 100k
SmartMedic Million RM150
GREAT SAVER RIDER (this were add on for cover hepatitis B)
Has this plan underwritten d? Great saver rider was due to policy loading

the plan coverage period till 41y & yearly annual cost abt RM4+++
means plan sustain till age 70 and auto extend upon 70yo.

the only different new plan compare wit all my current existing is no premium waiver covered but higher payout cover & it double the yearly annual fees. mayb my age & risk effect the premium high

here the question:
1. does my existing insurance enough to cover? (is ok even no hepatitis cover as the last chk no serious issue atm)
  based on ur financial responsibilities to calculate how much u need.

2. do u think the new plan have better coverage?
better coverage on the medical portion as GMC2 annual limit is too low definitely need a change there.

3. let say if i take the offer, surely GREATMEDIC CARE 2 will cancel it after 2 year. how abt the other 2 plan? shud i cancel or keep so i can utilize all the repayment?
    Let ur new policy underwrite 1st, hepatitis B might loading or exclude or reject. If just loading u can replace it directly without the need of holding 2 medical cards

the other 2 plans pls remain, traditional plans are good plans. Just top up how much u need in a new plans.

btw, my monthly income jz enough to pay off my repayment if i take the new plan.

plzz give me ur opinion, advice & enlighten my dilemma to take the offer or not. bcoz if i dont take the offer, afraid the coming year (whn the economy better) will not get the better premium payment.    

sorry for the long read, thank you & appreciate. 

2. do u think the new plan have better coverage?

I wish to get ILP for my sons. 8yo and 2yo.. Hope some agents can quote me..

Pls inbox me. Tqvm.

I wish to get ILP for my sons. 8yo and 2yo.. Hope some agents can quote me..

Pls inbox me. Tqvm.

not sure if this place is a good place to ask for price comparison, we are planning to get a standalone medical card for my mom. Already got a quote from AIA, just looking to see if got agent can help give other option with Prudential and Allianz? It's cause we had good experience with this two company too.

Pm me and I will let u know the details.

Anyone here did knee ACL reconstruction before? After that surgery, do you face exclusion in your knee when upgrading your insurance?

not sure if this place is a good place to ask for price comparison, we are planning to get a standalone medical card for my mom. Already got a quote from AIA, just looking to see if got agent can help give other option with Prudential and Allianz? It's cause we had good experience with this two company too.

Pm me and I will let u know the details.

Anyone here did knee ACL reconstruction before? After that surgery, do you face exclusion in your knee when upgrading your insurance?

not sure if this place is a good place to ask for price comparison, we are planning to get a standalone medical card for my mom. Already got a quote from AIA, just looking to see if got agent can help give other option with Prudential and Allianz? It's cause we had good experience with this two company too.

Pm me and I will let u know the details.

Waiting period of Cashless admission for medical card is 2 years?

Here there sifu sifu sekalian, I had an existing policy (not sure if standalone insurance/with medical) with GE which my parent enrolled for me back when I was a kid. They paid for a duration of time then stopped paying (got some sort of balance that self sustains).

Now that I would like to review it, and to make my decision whether to continue paying (as the balance is low); or to make the decision to let it forfeit.

I have quite little knowledge on the technicality of the insurance world at the moment so go easy on me in regards to the terms. I had just gotten my policy number from GE CS, but they need me to submit some ctc'd hardcopy details / forms etc to update my details.

Meanwhile, if I am going to forfeit the existing GE one (I also have another active one with HLA), i am considering to enroll another one for myself / GF (apart from GE).

our details:
-PII related pls pm me to get details
-both working with private company
-both non smoker
-no medical history (she has allergies but nth apart from that)
-typical health condition (borderline high cholesterol), the rest okay
-budget per month = around 200

hope im providing enough info, otherwise can reach out to me thanx

Here there sifu sifu sekalian, I had an existing policy (not sure if standalone insurance/with medical) with GE which my parent enrolled for me back when I was a kid. They paid for a duration of time then stopped paying (got some sort of balance that self sustains).

Now that I would like to review it, and to make my decision whether to continue paying (as the balance is low); or to make the decision to let it forfeit.

I have quite little knowledge on the technicality of the insurance world at the moment so go easy on me in regards to the terms. I had just gotten my policy number from GE CS, but they need me to submit some ctc'd hardcopy details / forms etc to update my details.

Meanwhile, if I am going to forfeit the existing GE one (I also have another active one with HLA), i am considering to enroll another one for myself / GF (apart from GE).

our details:
-PII related pls pm me to get details
-both working with private company
-both non smoker
-no medical history (she has allergies but nth apart from that)
-typical health condition (borderline high cholesterol), the rest okay
-budget per month = around 200

hope im providing enough info, otherwise can reach out to me thanx

Waiting period of Cashless admission for medical card is 2 years?

Hi, can recommend insurance for my parents? My dad (age 67) don't have any and my mom (age 59) just bought one medical card insurance. Both of them non-smoker. I'm more worried about any critical illness that can happen.
Thanks