it stated 'in-force' but like this

After my mum's Prudential ILP, now my turn to receive the same news

4.5% increase

If I wanted to convert to deductible to lower the premium. Do I have to declare if I have any pre-existing medical condition again?

Example, say I bought this in 2007 and I have appendix removal operation in 2011?

really? thought some additional % on admin fee if pay NOT by yearly.. 

Applied insurance and got cancelled halfway. Did every test but when reach to the point where the doctor need to give their report (and the doctor refuse because reason might affect my insurance etc...) ...

I am left with disappointment. I am left uninsured. need advise on what i should do next

Which means if you upgrade the plan to a diff room and board or co insurance option in the future, this additional annual limit will cease.

A comparable plan would he Allianz Medisafe Infinite with a longer pre and post hospitalization benefit with similar NCD and co insurance option available.

thanks for correcting, was replying on my phone so wasn't bothered to add on the +. 

*edit alamak, my phone type "be" as "he", corrected spelling in the original post

Hi everyone,

Appreciate any advice for my situation, about a week or 2 ago i got a mail regarding the revise of annual premium. The policy plan that I'm using is PowerLink (since 2013). So right now, im just wondering if i should upgrade my current policy (upgrading in terms of coverage as well as critical illnesses, coverage maybe to 80 instead) or to get a new policy.

Spoke to my insurance agent the other day, he suggested to buy a new policy which is Medisafe Infinite+. The only thing that is preventing me from getting it right away is, i was told to maintained the Powerlink plan for a year and at the same time having the Medisafe policy, which i was pretty reluctant as i'll be having 3 insurance including the company'.So spoke to the Allianz customer service, was advice to instead upgrade the plan and my agent did not mentioned anything about upgrading.

Current policy as below:
Overall lifetime limit - 850,000
Insured Amount - 90,000
Maturity: 2088 (100 years)
Premium:1,920.00

MediSafe:
Overall Annual 1.5M
Lifetime: No Limit
Premium: 3,000.00

again any advice are much appreciated and also if any information needed that might help with the situation le me know, thanks all

https://www.chinapress.com.my/?p=2558306

Hi all sifus, this is another case whereby the insurance policy is terminated because of non disclosure. But there is something weird in this case, the insurance company paid for the first medical bill (RM 1million ++) but refused to pay for the subsequent bill when the patient is admitted to hospital again. The reason of rejecting the claim is non-disclosure of stroke which happened 20 years ago. If the insurance company wan to terminate the policy because of non-disclosure, why they still pay for the first bill?

hi guys
i helped my dad submit for a new insurance.
insurance compony requested a blood test report and he had some "H" in lipid profile tests. Currently not under any medication though.
total cholesterol : 5.8 (<5.2)
Non HDL
LDL

With that underwriter has decided an excursion clause on "hyperlipidemia and its related complication". I think the scope is too big, would like to get some advice on what I should be expecting with this excursion ? Any chance to get rid of this in the future ? Thanks a lot.

just to get savings, not really focusing much on the coverage.

In that case, what am I paying for every year?
Thanks. Yes, it is the Policy Sustainability. Can I just ignore it and hope the market will improve and so does the insurance sustainability?

Thanks for sharing, don't mind to ask if you're your agent's Friends of allianz trying to earn 50% commission? 😉

Hi sifu all, I need some advice. I plan to get a life insurance for 500k to cover for my housing loan MRTA. One AIA has quote me to pay around 492+ for an investment link life insurance for 20 years. It is worth it for me paying for 20 years? 500 per month for 20 years.. the agent told me that i can take out the money anytime if i need it.. not sure how true it is. Mind to advice. Serious yea thanks

Hi mind to explain more.. sorry i dont understand

hi lifebalance, do you have the official link or official statement for this? i cant find it on their website or maybe not available in their website yet. wanna send it to my friends. thanks ya

edit: also Allianz one. cant find the update on their website.

Currently, review my policy since had endorsed last 2017, single, non-smoker, work in IT section, 35 years old

RM220 per month
PRULink Assurance Plan MYR 30,000.00
Accident Medical Reimbursement MYR 2,000.00
Accidental Death & Disablement MYR 20,000.00
Crisis Shield Plus MYR 20,000.00
Enhanced PRUPayor Basic MYR 2,616.00
PRUMed 1 unit(s)
PRUValue Med MYR 200.00 (Room & Board)
PRUValue Med - Med Saver/Deductible MYR 300.00
PRUValue Med - Med Value Point MYR 1,000,000.00
Weekly Indemnity 2 unit(s)

My agent proposes an upgrade to PruMiliion

PRULink Assurance Plan MYR 30,000.00
Accident Medical Reimbursement MYR 2,000.00
Accidental Death & Disablement MYR 20,000.00
TMCC MYR 50,000.00
Enhanced PRUPayor Basic MYR 2,616.00
PRUMed 1 unit(s)
PRUmillion MYR 200.00 (Room & Board)
PRUmillion - Med Saver/Deductible MYR 300.00
PRUmillion - Anual Limit MYR 1,38m
RM350 per month

She also propose to me the " I help you, you help me " plan which is to surrender my old one, make a new policy ( premium cheaper, more benefit ), I do not yet receive the proposal, stay tune..

That one million in a lifetime, enough to cover the medical cost?

Hi all,

I'm 40 for next bday, BMI 32, taking high blood pressure and cholesterol medicine. 

Current with AIA ILP with 90K annual, life time unlimited. Thinking to increase my annual limit cover by apply for Deductible medical card.

Would like to have some advices from all the SIFU here.

Thanks.

Insurace nowadays don't need agents. Can just buy straight from insurance company..

Why u guys buy from agents hahahah

Nonsense. Insurance agent nothing more than car sales man or property house agents..

Once the technology is here be prepared to lose your job, although highly unlikely on the medium term (5-10 years).

As long as there's an intermediary in the insurance value chain, insurance will be expensive. If I eliminate the agent as part of the value chain, I believe my premium should reduce by 10-20%.

And about needing help...if I kena accident teruk most likely I won't call agent first, I will call ambulance, then go hospital the cashless admission can help. Not much paperwork needed.

And call the careline insurance to claim, he/she can work virtually

What's different between calling insurance careline and agent? Both are the same people anyway. .