Thank you so much for your reply, appreciate it!
Indeed there is a upgrade made in 2018 to SmartMedic Xtra.
I did a check the premium difference between SmartMedic Million and SmartMedic Xtra for age 32 is just RM26 for R&B200. So far I see the only drawback is SmartMedic Million with deductible RM300 I guess? Or maybe something that I did not aware of.
Also it does come with regular increment to the R&B just in case R&B getting more expensive in the future.

Yes, agreed with all the sifus said here, I forgotten about if reduce deductible in the future will need to undergo another round of underwriting and subject for approval. So definitely will be out for my considerations for now.

I am actually curious how the commission works here, I would assume that if I did an upgrade of medical card, the commission for that agent will be restarted correct?
And does it matter for consumer point of view? FOR EXAMPLE the medical card premium is 1000 annually, the commission is 30% second year is 25%, I am still paying 1000 annually correct?

Will try to compare the plan out there and see whether there is a worth to make a switch, because thinking better do the decision now than later, but if there is no justification to do that, most likely will continue stick with GE.
Thanks again.

During pandemic, so far, does insurance company still give guaranteed yearly renewal to standalone medical card holder without underwriting?
Anyone come across this?

hii do you know any good insurance plans that cover pre existing conditions/illnesses? google isnt helping much:(

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?

can sumone suggest me insurance for 1 year old and how much eill be the cheapest premium and what will be the coverage like?

1-3 million cover death or ...?

Hi sifus, I have below policy with monthly premium of rm200 with credit card debit automatic sustain till 70. My question is can i go econnect portal to pay more monthly so that it can sustain longer and maximize rm3k tax benefit? any reason not to do? Thank you!

SMARTPROTECT ESSENTIAL 3 MYR 50,000
SMARTMEDIC XTRA
SMART EXTENDER 90K(R&B150)
IL PREMIUM WAIVER EXTRA RIDER
IL CRITICAL ILLNESS BENEFIT RIDER

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.

would like to know 1 agent can become agent for 2 different companies?

hi, i am trying to my prudential insurance online but failed to do so with error message: Advance Premium Payment is not allowed

I suspect my policy type is policy with Advance premium due date.

Does anyone know what is Policy with Advance premium due date?

Hi,

If you have claimed for an illness before, can you buy a new plan after that?

Thanks.

My friend recently sold me a CI plan by GE.

according to him, there is an unlimited claim for the illness.

like I got heart attack on 2021, 2023, 2027, 2035 will be eligible to claim 4 times of the insured amount.

was wondering is that true? thinking it is too good to be true.

Hi guys, why when we want to apply from insurance, most of the time have to trust
what agent say by mouth only before apply,

why cant we get/read the full policy TNC (policy book) before we apply?

Yes my concern arised because of my salary deduction. Yes you were right. He was lack of concern and the way he wrote me those message kind of pissed me off.

He told me before that I could never deduct anything in my policy only adding.

Recently unable to get sms pin when want to login in to econnect GE. Anyone faces same problem?

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?

Does insurance companies have centralise data centre for sharing information like bank ccris system? Wandering if I got rejected by A company and i went to B company, does B gona know that if i hide the history?

Bro wondering how much to create a will under RHB? TQ

the contention is that my agent say my premium won't increase up till the age of 70 so this is not wrong?  Only later i learned that hike is due to inflation and steep increase due to aging?