Oct 9 2024, 11:44 PM
QUOTE(Ramjade @ Oct 9 2024, 11:32 PM)
I got nothing to hide.
You can buy either AIA or GE.
I choose AIA for
1. No issue with GL. GE will delay your GL as much as possible to try deny you the GL. Boots on the ground tell me this. GE, cuepacscare, micare all problematic.
I will buy gathercare as backup as premium is fixed at RM300+/year. Yes fixed.
I checked Gathercare, if you look at the monthly deductions from the sharing deposits, on average about 43 MYR is spent per month. So 43* 12 = 516 MYR. 516 + 360 = 876 MYR per year. So the net cash outflow is not 360 but about 900 MYR. You can buy either AIA or GE.
I choose AIA for
1. No issue with GL. GE will delay your GL as much as possible to try deny you the GL. Boots on the ground tell me this. GE, cuepacscare, micare all problematic.
I will buy gathercare as backup as premium is fixed at RM300+/year. Yes fixed.
But indeed with 900 MYR, you get pretty decent medical benefits... I am just worried about continuity. In the early years after launch the monthly shared deposit deduction was as low as single digit, but now it's nearing the 50 MYR monthly limit already.
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