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 Insurance Talk V7!, Your one stop Insurance Discussion

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zzzxtreme
post Apr 1 2021, 01:47 PM

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please recommend me a yearly takaful medical card (age 42 male non-smoker).
so many products it is confusing
zzzxtreme
post Apr 2 2021, 01:12 PM

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QUOTE(lifebalance @ Apr 1 2021, 01:56 PM)
You mean those by investment linked plans or standalone ?
*
standalone
zzzxtreme
post Aug 3 2021, 03:58 PM

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Etiqa called me and say they don't offer takaful medical card anymore. It must be attached to some kind of other plan.

Question about Takaful Malaysia myClick Term, if I apply that with CI, does it mean I don't have to apply myClick medicare ?
zzzxtreme
post Aug 3 2021, 07:42 PM

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QUOTE(ckdenion @ Aug 3 2021, 06:57 PM)
hi zzzxtreme, I didnt see this myClick product from the online platform anymore. do you mind to share the link?
hi Leo, 6-7 months is a long wait. i don't think the process take that long actually. by right the last document you submitted for company underwriting, within 30 days (or maybe max 60 days?) should have result already, unless within this 6-7 months there is medical checkup that you went to and more medical report needed to be retrieved from hospital. well, just to be specific, your application is declined or postponed? you can also try luck by applying with other companies.
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https://online.takaful-malaysia.com.my/term-myClickTerm

https://online.takaful-malaysia.com.my/medi...myClickMediCare
zzzxtreme
post Aug 5 2021, 10:38 AM

Synth Freak
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Can anyone explain why GE i-Great MediHarapan is ~RM1600 a year but PruBsn anugerahPlus is ~RM3132 a year (up to 70y/o) ?
Both is annual rm200K, covers cancer take home drugs and treatment

Must be something Im missing
zzzxtreme
post Aug 5 2021, 10:55 AM

Synth Freak
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QUOTE(MUM @ Aug 5 2021, 10:49 AM)
Is the cash value the same, other than the other benefits like annual limit, coverage amount, room rate etc etc..
If all are the same, then??
*
Same same
So Im confused about the price difference
zzzxtreme
post Aug 5 2021, 11:46 AM

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QUOTE(ping325 @ Aug 5 2021, 11:07 AM)
hi zzzxtreme may i know how you get this RM3132 figure ?
This is because there are many add on under prubsn anugerah plus , the more add on you choose , for sure more expensive.
Different combination will generate different quotation pricing which of course have difference in terms of coverage compare GE mediharapan.
Riders includes crisis protector , income protector , medic booster , cancer protector , crisis shield , accidental protector plus , basic sum covered value and so on ....

where as GE i-Great MediHarapan is a fixed coverage medical plan , thats why they display insurance charges upfront on the brochure.
*
I asked two agents, both quoted similar amounts rm260x12
For prubsn, they added CI of rm10K, disability 20K, accidental death 30K (which I dont need), normal death 10K. Small amounts, but made the contribution become double of GE. Is that expected?
zzzxtreme
post Aug 7 2021, 03:08 PM

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Can we stack more than 1 CI plan?
Lets say now we have 3
In 2022 we claim 1. So it will automatically terminate. Left 2

In 2030 we claim another. Left 1
And so on?
zzzxtreme
post Aug 7 2021, 08:51 PM

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Thank you. Now I know whats the meaning payor 😂

 

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