[WTA] Which Insurance is better for savings?, Need some opinion before I wanna buy =)
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 Oct 8 2007, 01:05 PM
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VIP
9,137 posts Joined: Jun 2007 From: Wouldn't be around much, pls PM other mods. 
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QUOTE(meejawa @ Oct 8 2007, 12:46 PM) It does exist. Ask any Prudential agent. It specifically, directly, protects your monthly earned income. Mind to provide informations on the said plan? Does that mean that I can quit my job now and claimed that I'm jobless and they pay me my monthly salary?....wow! heck of a good plan. If that's the case, I'm in for it... |
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Oct 9 2007, 01:51 PM
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Senior Member
6,657 posts Joined: Jul 2006
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QUOTE(meejawa @ Oct 8 2007, 12:46 PM) It does exist. Ask any Prudential agent. It specifically, directly, protects your monthly earned income. u mean protects , not provide......can i buy one n get VSS by my company now n get paid ? |
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Oct 9 2007, 10:37 PM
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Junior Member
287 posts Joined: Dec 2005 
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QUOTE(nissin @ Oct 8 2007, 01:17 AM) hi dreamer! not use emergency fund for medical bill?this statement,funny.any other more emergency thing than our own life?in my case.. my loss of ability to earn income means cannot work. no work means no income rite? no income how to eat, pay bills? and under what circumstances wil i not be able to work? retrenchment... go find another job lor. accident/masuk hosp/critical illness.. any idea how much it will cost minimum? now hor, in hospitals.. no $$ who want to treat u? they just let u wait to die lor. if the bills comes up to 50K or more.. whre to find in the shortest time possible? my money in the bank? yes, but they are my emergency funds for other purposes. thats why i said earlier, insurance is a need.. it all depends on individuals needs and budget. if you read newspaper,you will know just just road accident alone,it is Malaysia's number 1 killer,this haven count other accident,and we all know with Malaysia high rising criminal nowaday,accident insurance are more and more important.and since you know that CI is a very expensive insurance, please read carefully those CI statement,it is realy not that easy to claim for CI.while accident insurance,even minor injury ,you can claim. if you job are not very need ability to speak or hear,i think is more cost effective to use medical card to handle for critical illness,with more a less same cost and same amount protection,it is more easy to make claim by medical card. i not say CI is not important,but for those under budget,they can buy CI later or buy lesser amount,use medical card to protect them instead. Added on October 9, 2007, 10:41 pmDreamer, i think they are mention about insurance that give you monthly or yearly income in case of unemployment or tpd instead of pay in lum sum,depend which plan they buy. is true that this kind of income protection plan can pay you more than those lumsum plan pay you,but,their insurance premium also.....much higher. This post has been edited by athlon 11: Oct 9 2007, 10:42 PM |
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