Maybe review the riders? See if you want everything.

So far i don't need to top up for my medical card yet. Mine is aia

Reason.. medical cost increase..f@#$

Another increment this month.. Around 40 ringgit per month..

Actually there is another reason. If the investment making loss, not performing, you will be asked to increase your premium to make up for their bad investment. Not many know about this.

investment is bad pass to customer :-)

agent still travelling overseas and getting big fat bonus :-)

When I found out about that, I straight swore off anything to do with ILP. I took up standalone. Bonus tip majority of ILP cannot even beat EPF return over long time. That's why one of the honest agent I meet told me dump money into EPF and once retire use some of the EPF to pay for the insurance.

Everyone who bought ILP need to go and check your fund's performance. You will be shocked and you will know which insurance to get next time

they fate to lose. baru got chance for winner to profit.
if everybody winner not loser. then who generate profits

My Prudential premium increase RM60 per month.

That is crazy

Those that buy high premium, I believe the quantum will be higher.
Anyway, sekarang tak sakit - u will feel the pinch.
I masuk 3 times private hospital over the last 5 years... Bill comes up to around 80k in total, nasib baik got insurance else siapa nak bayar (the last two company insurance). Even go G also need to pay eg Heart surgery.

Buy to cover, not untung. Tak claim consider untung. Need to claim - then really ROI

I'm GE too. You accepted the increment?
I'm still thinking.

i took my insurance allianz when in my 30s, rm200 monthly back in 2006. i was advise thru letter by Allianz to increase my premium back few years ago and i ignore it.
then this year got letter that i need to pay monthly of 474 or else my insurance cover will end within 3 years instead of age of 70. now i m 51.
so i guess insurance company win in this. sigh!... need to work fork out atleastd 700++ montly for me and wife.

All ILP like that. Cause apart from.inflation got baggage of poor/not performing investment. That's why I don't sign up for ILP..I invest my own.

mine increased rm150 to rm700 per month.


from 200 -> 400 -> 550 -> 700

all this happen in this few years.

My kids' insurance with HLA increased by 25%. Then I looked at the invested funds and they averaged slightly above 0% over 5 years.
If this continues, I guess they'll have to top up and increase the premium by the time they're around 35-40.

My GE asked to increase by rm70, from 250 to 320 per month. Why the increment is different

Different plan. Different investment fund. Different amount of insured. Different age of entry.

Then they shouldn't provide plan with rm1m annual limit, then while we don't even claim.. still want to increase the premium.

Cost goes up, no claims and if any claims, still within the agreed annual limit. Yet, still want to increase.

Scam, but what to do, we need insurance.


How old are you?


When I took insurance, I was noob.. I took ILP and they assigned the fund themselves.

Few years later, I start to check in detail.. I found all the different funds and learned how to read fund reports.

I applied for change of funds, that too got rejected.

Same case and I'm B40.. I don't know if I can keep up in future.

I'm 34 only.