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

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.

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

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

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 .

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

Mine is Allianz investment link too , annually 3.6k and suggest increase another 1k+ = near to 5k but i dont care .
Let them readjust the investment portion themself and fix at RM3.6k annually .

No such thing lock. Sure got clause you din notice similar to " we can revise the price from time to time reasonably"

If the economy gets worse and higher inflation, then the premium will keep increasing. Recently a person had a stroke, 36 age only, medical cost hospital and Physiotherapy already more than 200k. And that person previously only pay 200++ per month like TS.

But the cons is need top-up earlier than wat we expected , maybe 55yo like that already canot cover the medical fees

Urs cap at 1mil limit life time or 1mil limit annually?

Now is 1mil annual limit for cheapest plan jo lor , no life time limit .
Ur agent no help u upgrade a when those plan upgraded from time to time

I'm on AIA medical insurance. I take pure medical insurance only. No investment link.

Already 3 years I'm on this insurance and no increase. I hope can stay the same amount for a while since I have other commitments.

Same these 3 years keep Naik, I don't agree so they reducing my insured years from 85 to 72, next year not going to reduce I guess since investment link fund start doing well

You don't pay they will reduce years of insured

most likely this is investment linked policy and whenever they fail in their investment, they charged higher premium.
Or whenever they fail to achieve their investment ROI, they charged higher premium.
Every year, they declare very high profit and annual dinner.

Did you recently had some health declaration that your insurance co found out?

maybe you went for a health screening and it reported to your insurance co?

Perhaps you can adjust, say don't want increase premium but reduce your coverage or investment.