Well if in that case..
U see nobody want to get sick.. if given a chance.. all want to be healthy..

But if one is sick and without any hedging tools for the lose of monetary value to cure the sickness.. that is very bad..

So your sister family is consider as unlucky punya lucky..

Unlucky because sick
But lucky because got inso cover..

Just imagine thosr unlucky sick.. and no inso need to pay cash or wait 3 4 5 6 mths at government hospital

this already proved that you don't have one or you are not claiming. diuniasing

Very hard to say one la..
Of course if small little issue, then you are right in the sense of save up and can pay when needed..

But if u kena jackpot sickness.. then how ?
The big C... can grow anywhere from head to toe..
Then heart problem.. artery clog
Or kidney failure..

If you are referring to those common ones like flu.. cold.. of course normal saving is better because a cold or flu usually does not need admission into hospital unless it is mutated into pnemonia stage 3 with breathing difficulty.

Your body, your bet.. if no kena. Of course is the best..
If you are scaredy cat.. kok ji gia.. then better get one

Well, you should at least know how much your insurance is going to payout. There are "unlimited" plans nowadays, but realistically how much can you claim? Can try working towards that number if you want.

Depends on what you buy one la..

I dunno about latest..
But i think now plan are usually yearly capping 100k
Lifetime no limit

How much can u claim depends on what you do one ma..

If u complain say u stomach ache, stomach problem intestine issue..
Then a gastro specialist will do a scope from mouth and anus lo ..
If day care then will be below rm10k.. usually is 7 8k ( pantai hospital )

If found out got issue, bacteria /fungus infection, then ask u ward for 5 days.. then mah 20k lo.. (pantai hospital)

If your body got lesion..(small bump head) and you want to operate it..
1 lesion is rm400 / 500.. then got other charges add up around 2 3k lo.. you can opt for day care admission to claim inso..

Sometimes u play sport injured kaki.. knee cap damage.. also can do scanning MRI.. then they will maybe do some minor invasive surgery to remove fluid and pump some gel inside knee cap.. that one will be around 20 to 30k ( include 3 mth follow up cost)

Dengue also can claim.. around 6 to 10k depends how long u stay

So u think not fast use?



This post has been edited by Boomwick: Sep 12 2022, 11:58 PM

Aiya, kena dig it up la, will try, but no promises... If can't find maybe I ask my agent friend to send product write-up (the documents that agents refer to)

Hope I don't get LOD....

The Smart series are Investment linked (160% comm max over 6 yrs). The Great series are Standalone (171% comm).

This post has been edited by AbbyCom: Sep 13 2022, 01:34 AM


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Topkek investment link one price way higher then standalone end up investment link one still make more.

Lol, have you checked the actual cost of insurance for investment-linked plan vs standalone plan?

Anyway, you do you if your mindset is fixed that way.

I bought investment and medical separately for all.my family members ...

Investment as gift when they marry
Medical as protection ...

My relative is a GE agent. When I asked him any medical plan without IL, he said nowadays all medical plans are ILP.

Kek.

Lonpac offer non ILP

Depend, when you need it, it is not scam, if you are healthy you will say its scam.

Scam or not, medical insurance offers a peace of mind.

As #53 says, when you need it, it's not a scam but a lifesaver.

If you don't have medical insurance and you think you cannot afford medical treatment, you will delay seeing a doctor or camp at gomen hospital if something happens.

I bought GE investment link + medical card for 12 years already, when I bought that time I was a fresh grad, paying RM150/m.

Now i'm 30+ y.o. paying RM170/m. Increase RM20 only.

Ok la not scam I think.

I believe your old plan coverage very little...not enough to cover medical bills nowadays.

Just like mine... bought 16 yrs ago...coverage only 60k.

Bough new plan last year.... coverage 500k.

already proved that you're wrong then u move the goalpost

my agent told me my current RM170/m IL+medical cover

medical
-daily room and board RM200
-Annual limit 120k
-lifetime 1.2million

death 30k

permanent disablement 30k

I think it is reasonable for RM170/m

He is lying.

unless u wanna share room with others lah
lately single room oredi >rm300++

and did he tell u if u use >20% of your limit, u need to borne some charges after that?

This post has been edited by theberry: Sep 13 2022, 10:28 AM