Unker just go this, 1 of my policy wanna charge me extra 80 per month le.

any maha /k can advise mau up or maintain.

I read say can maintain but will effect sustainability wo...wtf do that mean. is this scam?



inb4 /k all kaya, no need insurance

Why post in serious kopitam but you speak like in kopitiam, so just expecting us to be serious but not you?

This post has been edited by kelvinfixx: Jul 28 2023, 10:13 AM

lol, ini kopitiam style talking. serious or not, the same.

sudah makan ubat belum?

Insurance is like a gamble. U may use it, U may not use it. I have asked a few of my colleagues, about 50/50 have it.

I have a life insurance in case I die prematurely, my family got money. Medical insurance, KKM rm1 or company GL can cover.

If U think it's worth the sub, U don't have a choice do U? Cost of living is going up. And it will go up.

Wondering the same.

Call your servicing agent. Ask him how come last time explained the premium once locked / bought earlier, it will not change but now how come got revision & got extra , else will effect sustainability ? See how your service agent explain when he used that point to sell the plan years ago.

problem is the agent no longer available anymore, Unker buy this like 20+ years ago. Last time got increase like 10 yrs ago.

Is yours an investment linked policy?

If so, I'm sure you should be aware that the investment portion is actually used to "cover" for increasing cost of insurance. When the investment does not give back good returns, you need to top up, if not, the policy will sustain to let's say 60 years and not 70 years old as earlier estimated when u signed the policy.

Even for standalone medical plans, you need to top up with increasing cost of insurance....

No such thing as "locked" premium..

Anyway, if you are serious about looking for answers, should post here:
https://forum.lowyat.net/topic/5096196/+3700

Tq bro, yes my Insurance is investment link.

Means originally the insurance can cover you until 99y/o*, but if you maintain the premium it may only cover until 75y/o*.

*EXAMPLE ONLY.

You become the owner of the insurance company then you will be insured by all the clients if you can get

Same with mine la and thy put 3 option :



I juz dont care , i think it will cut the portion from investment and pay the extra premium la

any reason why you deicide to upgrade premiums still even after cutting the investment?

Some insurance lagi tua lagi mahal, your only RM 80 naik dah complain .

You can choose not to buy, just keep saving money and visit public hospitals to me public hospitals is better than private sometimes unless cannot wait only i go private, , if you have optional saving 1 million just for medical yes you don't have to buy

Buy or not the insurance you decide, your life, your health , your choice, no one force you .

The premium remain at RM3600 annually , wat i mean the medical card fees is increasing thn thy will auto readjust from RM3600.
Example from RM3600 , 1.6k go to pay medical card fees and 2k investment thn now auto adjust 2k on medical card then 1.6k for investment like that lur .
The reason thy wana increase the premium because thy forecast in future investment not enuf to cover medical card fees because the medical fees is increasing .

This post has been edited by prdkancil: Jul 28 2023, 11:06 AM

I see, tq for clarifying.

i think no need add lah....

Anyone bother to check the fund performance for investment link ?

seems like all the funds performance suck balls, better they just create one fund that buy malaysian local banks, that at least have dividend to rebuy back the fund.

Same goes for my Allianz investment linked, wanted to increase 50% 😮😮

so wat you did? got increase?