Hi, I just got my health and medical insurance.. May i know how much you guys allocate salary to insurance per year?

Depends on your age, health, lifestyle & tax returns.

Congratulations on getting insurance. It's really useful during emergency

A lot /k says it's scam..

The only issue I have with insurance is.. said won't increase premium, but later still increase even if I didn't made any claims. But mine is old plan.. these days got insurance that rewards customers if no claim.

i only buy from fi.life, etiqa.com.my total spent around RM4k of term insurance for myself and my toddler.

For my car insurance.. around 500

i punya monthly rm250 for Medical card. another RM243 for Hibah. Then yearly RM5,915.40 sen. TQ

Me 483 per month
My son 250
Bini dunno (she sendiri bayar)

Jilo

450+-/yr

2k.

1.5k for life.
250 for medical
250 for my son's medical

anyone can introduce good medical insurance agent in klang valley?

ayam want buy real kosong medical plan, not linked with investment one

rm500 per month

Around 5k per year.

Why TS no share first?

All plans the same. It's the insurance agent you should be weary of.

My wife insurance agent. Cannot pakai. I had to use MINE to advice on HER CANCER CLAIMS

RM250/month

Medical ~ 2,300 pa
Life ~ 2,200 pa
Son’s medical ~ 2,200 pa

What insurance got rewards if no claims

What rewards wor?

Movie tickets?

free upsize coupon for hospital food

Fuhhhhhhh

same means all got investment linked now?

mine currently has, thats y i wanna cancel n changed, this was old plan my parent forced me to buy to support relatives when ayam was 2 inch

This post has been edited by premier239: Sep 4 2023, 03:47 PM

maybe a better question would be: what are your plans for reducing your insurance coverage? or bayar sampai mampus?

including my family about 10k+

Medical insurance is surely the worst.

Want to upgrade, ask you to do this do that, then it is not cheap due to age.

Ask from agent lah

I have one AIA agent that told me.. RM1k cashback if no claim for 2 years.

RM300 premium

I'm not subscribed.

This post has been edited by Natsukashii: Sep 4 2023, 03:50 PM

a lot /k said is scam because they kena scam by life insurance agent.
a lot these agent sendiri also dunno what they are selling, then they will sell policy to you.
ask can claim or not, they will answer u "everything under the sun can claim" just to secure biz.
when claim time, this cannot, that cannot then they will say insurance is a scam.

TBH, people like to listen to all these sweet words. everything can claim.
if its too good to be true, then its a scam.

Last time AIA got free movie tickets if exceed numbers of step

life - rm400/m
medical card - 175/m

Plan was to bayar sampai mampus, but with the premium increase, won't make it.

Yes. Want to upgrade when there has been no claim also want this and that.

I am with AIA and I myself spend close to RM12K per year on insurance for my family. Its not the price, but the coverage is it sufficient for you.

If you want to get quotation from AIA, drop me a pm to share you the plans. We have standalone and investment linked, up to you.

why wanna change? got investment linked no good?

PM me la if u serious. kosong plan a lot of choice.
i can give u a quote

RM300 permonth

A review can give you a better understanding of what you have and need - as our needs change over time.

rm119 under etiqa

personal preference,

insurance is insurance, ayam no want link it with investment

not according to salary la.. according to needs, dont kena scam by agent ask u buy this buy that, investment linked those rubbish plans

medical card alone if u buy 300 already very covered, unless CI you buy tinggi tinggi. if you dont have dependant, dont need life insurance.

my old policy sarks.... now kana scammed new agent ask me buy new policy instead of upgrade old one..

haihz.. why they give insuran agent bad name geh...


i wan bekam 1 but dun wan b like tat... c whu wan, i give proper explanation so u noe wat u are buying into

This post has been edited by tcapmibus: Sep 5 2023, 12:26 AM

150 per month

650 per month into 2 diff life policy

My wife is secured if I hit jackpot of 36 illness

my insurance agent say "you need to be able to cover xx month of ur income"

that way of thinking only enriches the insurers ... and the agents...

why do i need to cover the income ?

isnt it supposed to be expenditure? like , ppl can earn 30k a month, but spend only 5k . so why advise that person to cover 30k x months?

This post has been edited by Knnbuccb: Sep 5 2023, 01:37 AM

W
T
F

If you guys use the insurance money to invest, you won't need insurance.

That's why they said the rich don't buy insurance

I paid monthly RM244 for my medical card and my wife RM215. Of course this is the figure I paid after medical repricing. Originally I paid only RM200 per person. Last July went for angiogram and hearts ablation treatment at two different hospital. Total cost is RM50K and already at the limit of what I can claim annually.

300+ per month for medical and another 3000+ per year for PRS.
The PRS from prudential seems too good to be true, 20% return + interest per year. I do it for tax return though.

.
RM0 ....... because I believe that if we avoid doing evil or harm to others and self, plus know how to protect ourselves from our enemies and toxic people, we will not be cursed/punished by God with calamities like hospitalization or premature/early-age death - EXODUS.20:1-23, DEUTERONOMY.28:15-, ROMANS.2:1-13. IOW, there is no fear in love and wisdom.

Similarly, for years, I have spent RM0 on gambling and lottery which is a form of stealing money from others through a game of chance. All gamblers have greed in their hearts and have the intention to win big or steal money from others. "You shall not steal."
.

THIS

Kek people think insurance is investment really need to go study back

It's more of just an umbrella for the weather in your life....

Rich people really don't need insurance coz they can pay everything upfront even on their dying bed or doing chemo, they will get their Personal Assistant to settle for them