New thread wow
If I’m gonna be alone forever(no kids, wife), should I buy life insurance? Or medical card is enough?

I thought medical card has covered all the fees like hospitalisation and surgery?

TaiGoh, yes, high deductible is cheaper but the premium amount saved is not significant compare to a RM300 deductible for age 32. Also, every upgrade/ lower deductible in future is subject to 120 days waiting and 2 years contestability period.

...............
That depends on what is offered by the insurance company for the 80k deductible. (Different company have different % of discount)

For example, the normal premium is RM1,000 monthly, but someone with an 80k deductible could be paying RM200 monthly.

It will take a long time to get the money lol? So basically is like a reimbursement right? Need to pay out of pocket for funeral expense, then only claim back from insurance payout

Hi, currently my wife is having second baby. Want to ask what is the best value insurance to buy for the baby?

I'm 33..paying about 350/month for 160k life insurance, 500k annual limit for medical, 150k critical illness and 300k accident p.a dunno wat...
is that normal? average?

My 10 years MLTA going to expiring soon, still have hefty amount of housing loan, was thinking shall I renew MLTA or just online purchase term life insurance will do? Objective is to spend minimum premium while maintaining the house for elderly parents with zero income and no EPF.

who claim money for me if i die already and no insurance man to settle payout

They wish u happy CNY/Raya every year so maybe u nvr wish back they thought u died

Hi, I wanna ask, for e-medical card, how do i go about this? Let's say need hospitalization; I just tell the hospital that I have insurance? Or do I need to print my e-medical card and keep it with me always?

This is for Prudential.

Hi everyone, I'm 24 and am looking to buy my very first Medical Card (Investment Linked). Never bought any kind of medical card before.

I am considering a plan that has the following -
Annual limit: 1 million
Lifetime limit: No limit
Life/TPD: 100k
CI: 100k
Assured until 70 y/o.

For that I have been quoted RM230 per month. However my agent is pushing for me to get assured until 90 y/o at RM300 per month.
Agent told me that it will be extended to 80 y/o, then 90 y/o if I did not make any claims during the coverage term.

So my questions are:
1. Is it worth spending the extra RM70 per month for a longer coverage term? It's my first time buying so I need some second opinions on this.
2. Agent also advised to "top-up" more cash value, let's say making it RM250 a month. How drastic will the difference affect the cash value in the future if I opt not to "top-up"?
3. Is the premium too expensive for my age? I asked around my older friends and their medical cards are all cheaper with similar coverage.
Thanks in advance and pardon my noob questions.

https://www.thestar.com.my/news/nation/2021...surance-company

came across this news just now. The lady didnt delcare she has depression when she apply for insurance and few years later, the lady got cancer and insurance company reject her claim because she didnt declare her depression.

If i visit clinic because i sakit perut/sakit kepala but i didnt declare when apply insurance, will insurance company reject my claim if i am hospitalized in the future?

so those things NOT asked...will not be a material fact....

Just a random question about agent or agency performance such as Top Agent or Top Agency etc etc as claimed by agents that engaged me. I tried to validate these claims, but Google couldn't find satisfying results to me.

Question: how do I validate if an agent claims that he/she is TopX agent/agency in certain region or nationwide?

Hi,

Saw lots of ppl saying AIA covering for covid hospitalisation in private hospital?
I mean cover the medical cost not some compensation payment.
Is it true? I tot all excluded commutable disease clause?

Hello All, I have an old medical card policy with ING and later acquired by AIA. The annual limit is 100k and lifetime limit is 300k, which is very outdated as most of the policy nowadays is with unlimited limited (told by the agent)

Still considering the change within AIA or other insurance company, but may I know the switch over is usually to
1. terminate the old policy, and subscribe with the new policy and waiting period (120 days) applies.
OR
2. is there any possible way to switch over to new policy without any waiting period?

Will it be more cost effective?
Thinking if paying 1 plan will be cheaper than 2..