need feedback on my insurance policies portfolio:

1. AIA Assurance 1
Life insured: 200k, expiring age 100
TPD: 210k, expiring age 60
CI: 150k, expiring age 100
Premium waiver

2. AIA Assurance 2
Life insured: 100k, expiring age 100
TPD: 100k, expiring age 60
CI: 50k, expiring age 100
Medical card: 90k annual, lifetime 300k, room & board 150 expiring age 70 (with co-insurance but cant recall how much already, maybe 10-15k)
Premium waiver

3. Allianz PowerLink
Life insured: 100k, expiring age 100
TPD: 100k, expiring age 65
Medical card: 120k annual, lifetime 1.2m, room & board 200 expiring age 100
Premium waiver

4. Tokio Marine Medic Plus
Medical card: 150k annual, room & board 500 (deductible 10k per disability)

Thinking of optimizing both AIA policies but what would be a better option with the newer policies or just maintain them? To me, the more important is medical card and CI coverage.

Appreciate views from all. Thanks.

Hi sifu, really new to this so sorry if I sound very stupid (because I am lol)

I'm 24 and wish to buy a medical insurance very soon. I have a few concerns that I would like to be cleared:

1. Which company in the big three (Great Eastern, AIA, Prudential) or any other companies has the easiest claim policy and no drama and no fuss on unable to claim stuff like that. Plus which has also the most hospitals that accept their medical card. Assuming all the other confounding variables that may affect this are standardised/ignored. (example of confounding variables: type of plan i might get, cheap or expensive plan)

2. Do you think if it is worth it to include "critical illness" and "waiver of premium" in the plan? And if I already have the "critical illness" plan should I still get a life insurance?

3. Should I do a full body checkup before I sign up for a medical insurance plan? Or should I not leave any record in any hospitals so that the company won't be able to dig them up 

Thank you sifus. I'll appreciate any help

2. Thanks. Really helpful advice 

3. Haha who knows later suddenly kena accidental findings. Nowadays so many opportunities to make young people get diabetes and hypertension lmao.
Yeap. Plan to tell the truth. Cuz I still young, no point doing health checkups so I am healthy 
What's your thoughts between AIA, GE and Prudential? Or any other companies you would recommend?

any maybank etiqa insurance agent here?
pm
want to buy medical card

do Allianz medi infinite+ cover male-related cancers? saw many insurance exclude this

Hi. Can someone advice me on which medical insurance fits my criteria. Few things that Im looking for

No deductible charges. Insurance pay for all.
Cashless admission. If hospital itself require deposit, its okey.

Some of the insurance I found fit my match are :
1) Allianz - MediSafe Infinite+
2) Tokio Marine - Premier Medic Partner
However I dont know how good are their customer service. Open to any other suggestion / insurance as well.I also have a company medical insurance with limit up to 80k.

I see.. which insurance have low deductible?

Hi sifus, can I ask how much it would cost roughly to get term life insurance for a person from age 45-70/75/80? Am curious to know the total damage per year from start to end...

Annually renewable. Only for death and TPD. Sum assured 500k.

Thanks in advance. Can reply here or PM also. TQVM!

hi all sifu
wanted to get life insurans instead of mrta. dont want all medical bla bla bla benefit.. just want pure life insurans
age:41
amount 500k

now what i am confuse.. some life insurans when die only get back money.
some life insurans will have money back when maturity.

been looking for etiqa one but dont know how to differentiate which is which..

Thanks... mine is monthly payment

they also calculate based on 100 years, previously was 80 years... 100 years is better option to go?

$20K is exactly my deductible for my children's & my medical insurance with Pru. For my age 49, i'm paying $2.6k pa, my 15yo girl's $1.27K pa & my boy's $1.88K pa

just sharing to give U an idea of cost

---
Additional post/edit: Wow - some forumers either parkinson's disease coz accidentally clicked REPORT POST twice OR some agents trying to be funny. I'm a buyer, not even in the insurance industry, baka...

Seeking opinion on the need for early CI given the Premium is much higher than normal CI.

How often in real life that claims come from diseases apart from the main 36 diseases?

I don't think your issue of understanding is on the deductible. Rather your main issue is "you want to have a claims under one roof" which means you don't want to deal with paperworks for reimbursement.

In this case, you should opt for non deductible plans.

Now I understand, previously I tot I only need to pay the deductible amount upon discharge, just whether can direct claim on other medical card. Rupa-rupanya have to pay the whole bill if use deductible card.
Thank you very much!

Good day everyone,

I was quoted below with monthly premium of RM317:
A-LIFE IKHTIAR FULL PAY@70 | Coverage amount:RM50K
A-PLUS DISABILITYCARE-i | Coverage amount:RM50K
A-PLUS CRITICALCARE-i | Coverage amount:RM30K
A-PLUS CONTINUATOREXTRA-i | Coverage amount:RM4K
A-PLUS TOTAL HEALTH | Coverage amount:RM1.5mil
A-PLUS MEDICARE-i | Coverage amount:RM0

Background of myself: Male, Non-Smoker, 33 y.o, IT industry
Is this a standard premium for the above coverage?

Guys i wanna ask about car insurance. Is PrOmilej the only company that can insure based on selected mileage?

any idea of the claim like?
does all repair shop willingly takes it?

Bought it since last year.

Must need to pay the excess if claim happen? Mind to share how much is the excess amount in your policy? Different car different amount or will it be the same?

Bought it since last year.

hello there.

just want to ask. I am in late 30s. Want to subscribe to medical card for retirement use only as now medical being covered by company I work now. Is it possible?

Hi all, just curious. Do Malaysia have a medical card for Diabetes people? I am in the late 20s and got Type II. I Googled Prudential got medical card for Diabetic people but need to be above 40 years old? Allianz also got but the minimum entry age is 30 years old too, I read at Ringgit Plus