Hi All,
Is there a good high amount deductible and no claim reward ilp insurance plan?

Maybe around 20k because I have company insurance. So can I can use my company insurance for the deductible and then use my own plan?

I'm so new to this things. Just start looking around

You taking ilp? it seen quite pricey

haha why would they wan report

Let's say my company insurance 70k. Hospital fees 80k.
If I wan use my company card just for deductible 20k only then remaining use my private insurance, is it possible? Or have to use up my company card fully then only can claim remaining 10k from my private card?

Hi, is anyone here have insurance from Gathercare.

Monthly less than 50, RM 1,000,000 Medical Protection
Increase by RM 200,000 yearly

Thanks. I see that you have made some comparison.
Its not a complete package but still good enough for someone who really cant really affford normal ilp insurance. Maybe can supplement it with some other insurance since their monthly also only around RM10-15 monthly average

Yup its not regulated maybe cause its a first of its kind i think
Their claim not high as you can check they will share every month total cost divide with all sharer. Till date their average per month less than 10
They have a annual fee of 360. Hope so in future they have many other coverage.

This post has been edited by Aghi: Aug 29 2021, 11:19 PM

Hi guys,

Just to clarify. Allianz have no claim refund upto 20% of COI.
Does it mean the 20% is from only the medical (medisafe infinite+) coi or its including overall COI (life,medical,critical) ?

I see that after 10-20 years the coi is very high and can save some good amount of money.

This post has been edited by Aghi: Sep 2 2021, 08:17 PM

That's why I prefer to take life/tpd on online website like FWD, takaful Malaysia, etiqa..It's cheap, can go up to 500k and also flexible to choose fixed term like for 30 years same premium.

They also have have CI coverage with cheaper price...so I think can reduce our medical ILP premium by minimising life/tpd, CI and take them from online.

Most agent quote me ILP with life coverage 50k. Yes I got no dependant but dude incase of tpd for young men, 50k is nothing. Need a million dollar 🤑

For now i find that got 2 company with deductible and have no claim discount.
Both of this will be useful to reduce the premium since we wont use it much cause have company card

Hi, a agent from HLA tell me the same thing some critical illness will take long time to develop so better after 2 years then no problem to claim.
If after 4 month which is the waiting period then company will investigate.

Lets say a person very healthy and no any symptom during the 4 month period then on the 5th month suddenly got pain and see doctor and he said cancer
So will have problem when wan claim for medical and CI coverage?

Tq lifebalance. 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 so if 1 million limit can cover the whole treatment for cancer until cure including consultation, examination fees and take home drug?. Or it's only until the post hospitalisation 60/90 days only?
Also I think now only pru and allinz promoting they provide all this advance cancer treatment, which will be nice if they can support us till end

Hi, can know which insurance company can cover for platelet rich plasma (prp) treatment for joint/muscle pain (not cosmetic purpose ya).

Cos i heard many company dont include it under their coverage

1. Gathercare, cost sharing platform. Annual limit 1 million and renewable until 100yo.
Can save alot for long term, can share your opinion on this

2. Critical illness - AXA cover 50 critical illness. I think the most comprehensive for online product.

3. Life - FWD or any other. Just google n compare

4. ILP insurance but pay less to agent - Buy through FSMONE Insurance. Got HLB, manulife, tokio, prudential and so on.
Last i check you also get back 30% of agent commission.

Can know the insurance that you found, might be helpful for me too since for sure you had done your research before choosing it.