Hi everyone, I am going to be a dad end of November this year. Currently looking at prenatal/baby insurance that covers from before birth. I have surveyed a few companies. However, generally I want to us for baby insurance policy most people say to buy medical only without life. But, one of the allianz agent told me their package have to include life(lowest is about 30k if i remember correctly), is this true? and also quoted about RM250 from Allianz for sort of a mid range coverage.

Are baby insurance these days starts from RM200 and above?

Can any professionals here advise about prenatal/baby insurance policy please? *sorry but i know agents are sometimes pushy and they just tell you no you can't take this off the policy etc. just to make their sales. Hence, here I am seeking for some advice.

Thank you for your help.

Ahh so that makes sense. So it's true for all brands/companies that Prenatal coverage is only offered through ILP?
Thanks for clarification.

Ok thank you. that makes sense with the higher premium charges

Hello, I have some questions for NEWBORN baby insurance (just basic stuff medical..)
I know that it is similar to adult insurance plan.

But, according to two agents I talked to, they said that investment linked is compulsory regardless of plans from all malaysian insurance companies (allianz,aia,ge etc.) ?? In addition to that, life insurance portion is also compulsory? As in these two components can't have value of ZERO and need to have those two portions set to minimum amount..

Are the statements above true? Because, lots of people have been saying get baby/kids insurance which is medical card only without life or Investment linked. But after talking various agents, they said no.. so abit confuse.

Thank you for your help in advance. Cheers.

Thank you for all your insightful replies. Another question regarding standalone as another member has mentioned below but probably hasn't got a reply, is that standalone insurance tends to get premium increase more often (yearly or every 2years), because of no ILP part to support in increase in healthcare cost these days, is this true?