Pay more when you will not die tomorrow.

15mill limit can send patient to USA aa?

my one jump 100 ringgit. now paying 450 a month 🤦🏻

No wander my GE agent keep calling me and stating want to treat me lunch after of no contact for 10years..

Below is the message..
Dear xxxxx,

Congratulations 🎊

You have been specially selected to take part in our *Level Up Medical Coverage Campaign*! 🔥🔥
 
Through this campaign, you are eligible to enhance your existing medical rider(s) with _*no underwriting, no health questionnaires or no declaration required, and no waiting period*_!🤩
Upon in-force, your new medical plan/rider(s) will be immediately effective with only pre-existing clause based on your old medical plan. In other words, all the medically necessary treatments and conditions that are covered under your old medical plan, will be covered under this new plan with richer benefits.

Here are some of the benefits you will enjoy by level-ing up 📈to our latest medical rider(s):

🛡️High Overall Annual Limit
🛡️No Overall Lifetime Limit
🛡️Enhanced Inpatient & Outpatient Benefits with minimal deductible every policy year
🛡️Coverage on Communicable Diseases
🛡️Extended Cancer Coverage
~ Plus many other benefits!

You are one of my few lucky🍀customers who are eligible for this great opportunity with hassle-free medical conversion 🆙! This exciting offer is only valid for a limited time ⏰, and I m looking forward to sharing with you more about this campaign. 😀

Let's catch up …. Date & time😊👌
Cheers🫶🏻

This post has been edited by twilight_fever: Mar 12 2025, 11:19 PM

are you considering taking up the offer? the old plan has too limited benefits N limit

Maybe old plan they cant simply increase premium, but the new one can.

These agents will disappear the day you purchase a policy and will magically reappear when they want to 'upgrade' your policy or sell you new ones. Anything in between it up to you
to settle it yourself with the company.

old plan zero deductible but this new plan has deductible 500

Depending on the upgrade increase in premiums, generally should take. Aside to better features and limit.

The upgrade is offered to healthy, selected group of customers holding of old medical plans. If majority takes up the upgrade, can u imagine who will be left in the old medical plans? And whats the impact to the old medical products ?

Slight downside is got 500 deductible lo. But could be a good thing. So ppl dont anyhow go claim for small small thing

Actually got good and bad ,but one thing is no free lunch from insurance company. Myself I maintain two medical insurance.one is my very old policy Aia (but super easy claim) and one from G. I do have bad experience with G when they reject some of the claim which ended I pay myself .

Da G*E* I bought just 3 year and same dilemma like you ...more coverage , high coverage etc etc .looks good on paper almost can cover everything . But now they keep increasing price which makes me worry I might not be able to afford it on long run.

This post has been edited by TRAZE99: Mar 13 2025, 11:06 AM

got it... option 2 top up is 3x the option 1.

You are slightly wrong here.

The new plan offered as an upgrade to existing policyholders without medical underwriting is Smart Health Protector Exclusive.

The new plan that customers can either purchase or upgrade to with full medical underwriting is Smart Health Protector.

If you are still healthy and don't have any adverse health issues, I will strongly urge to upgrade to the non-exclusive version of the plan.

Reason being? The exclusive and non-exclusive versions of the plan will be monitored in separate cohorts. The repricing will be done separately in the future. Think logically - which pool will have older and sicker customers, and consequently higher claims ratios? Of course the exclusive version.

Now, if you already develop adverse health conditions, don't bother with overthinking and just get the upgrade.

In either case, be it if you get the exclusive upgrade with no medical underwriting or the non-exclusive version with full medical underwriting, you're better off than staying in any of the pre-2020 medical plans where the claims ratios are terrible and the cohort is old and sick.

next time got repricing, they gonna charge you kao kao coz your plan higher tier already. if you read the damn super fine print of few pages t&c, you'll realise that there's "no free lunch" written there.

This post has been edited by coyouth: Mar 14 2025, 02:13 PM

which insurance company is this? so cb one.

This post has been edited by coyouth: Mar 14 2025, 02:15 PM

Yeah, im aware of course.

Alianz

worth to top up?

can ask for policy wording?

So err, its all false advertising?

TS put out the offerings, look good.

So what is insurance co will set off in exchange for those better benefits?

Option 2 premium quite significant, for me almost 40% increase. Option 1 12%.

I guess that they can’t increase the premium due to public pressure… so they come out with this campaign to entice people to upgrade.