Hi, I am currently 25 years old. Currently shopping for a medical insurance because just started working.

But I have a question. Recently I went for eye check up and found out I have small cataract. If I only sign up for medical insurance now, that cataract will appear in my record as pre-existing condition? means If I have cataract surgery in the future, I won't be able to claim?

So that means I should have sign up insurance first then only went for eye check up? walao eh.

Because the ophthalmologist say my cataract very minor. can ignore for now no need remove yet since I still very young. So even if I wait until like 40-50 years baru do cataract surgery also cannot claim ah?

Difference now is I only have cataract in one eye and I am only 25. Doctor say probably due to trauma or accident like kena football smacked or something.

And since I already went for check-up, I scare this means the record will show I have cataract and prevent me from claiming anything cataract related for that eye down the road which seems to be the case.

I only started working so now only looking for insurance. But it didn't cross my mind to sign up for insurance first because the eye check up was free subsidized by my company.

Hi,

need some advice for my friend. He bought a property for investment via agent and agent's mortgage advisor friend who works for Hong Leong Assurance and the mortgage advisor help my friend apply for bank loan all.

The property price is 700k. And the mortgage advisor manage to get 90% loan from Maybank at 3.9% interest with MRTA waiver. But now the advisor is pushing Hong Leong Assurance's MLTA plan (HLA Asset Master I think) at RM3k premium annually to my friend. Question is if my friend is looking for a MLTA plan, is there other better choice?