Allianz 2020 premium paid statement ready for download.

time to do eFiling

This post has been edited by cybpsych: Mar 10 2021, 08:40 AM

HLA becomes third Malaysian insurer to provide COVID-19 coverage

The coverage is given at no extra cost as part of HLA’s complimentary special benefit for policyholders with individual medical plans when they get admitted at private hospitals for COVID-19 treatments in...

Categories 3 (symptomatic, pneumonia)
Category 4 (symptomatic, pneumonia, requiring supplemental oxygen)
Category 5 (critically-ill with multi-organ involvement).

“This programme also offers policyholders coverage for post-vaccination complication with daily hospitalisation benefit of RM200/day up to seven days for any complications that may arise after they are vaccinated,” noted HLA.

just did a quick google search...

probably can

eg from Prudential https://www.prudential.com.my/export/sites/...usenior-med.pdf

https://www.prudential.com.my/en/products-h.../prusenior-med/


let's wait for some experienced agents here to advise too. i'm also curious to know the COI and to get a feel of how much the premium like

good and bad lo

good: you are still young and healthy (I guess) and never claimed before. getting/changing new insurance could still be affordable and viable.

not good: inflation and cost of medical will keep increasing. hence insurance provider will periodically review and propose premium adjustment (projection to complete/sustain till end tenure). don't care for the time being is still ok la as you still have many years to go

once you have claim history, it will follow you forever and liable to declare ur health status to current/next insurance providers.

so, keep changing is not good either as eligibility will "reset" and premium getting expensive with your age/health status too.

that's why ppl say buy young when healthy in order to secure the coverage. well, there's many options outside too. making us wanna change to get better deals. no harm either way. just risky if sudden health issue happened.

still young la. try explore others now and quickly lock it down.