Sustain until age ?

you accept mean GE has the option to revoke older TAC with newer ones

how many times did you claim before?

never claimed before ... mid 40 now

will check mine shortly... the details need to open their portal to download ...

just checked my offer

increase is really high

This post has been edited by trumpkampung: Mar 17 2025, 09:27 AM

*just checked my offer

my old one looks useless
approx rm2000 yearly - coverage rm50k per claim/year and lifetime only rm200k. Damn freaking low
( policy started sometime in 2005 and 2015 there was an upgrade)

new offer
option 1 is appox rm8k per year (5mil)
-extra rm6k from current / per year


option 2 rm9300 per year (15 mil)

extra rm7300 from current/year


increase is really high




but now i feel not worth even keeping the current policy
rm50k/rm200k lifetime. is it better to just cancel this policy?


another this is current room n board rm 150 and the new one only rm200. they did not give the rm300 room n board despite the steep hike in premium. look like not worth it at all

the insurance policy now is the premium start from low if you are young and going up until the sky and force you to stop the policy.
you need to check the premium increase as you getting older + another 10~20% on it(inflation) and see yourself can afford it or not by that time.
No use give you figure big big sum insured but later at old aged really needed it but cannot afford the premium anymore.

we normal person as we getting older, income will be stagnant/reduce or worse, redundant.

A lot young persons only think now and buy the biggest policy but forgot the biggest part, the policy premium will increase in time.
the keys point is make sure you buy a basic and can afford it really really long term first.
as u going, can just buy another and upgrade and add on whatever you fancy and afford.


the bold part

me got a similar policy as well like yours. as me is cancer survivor. Me cannot add any insurance anymore from the date me diagnose cancer and got done angioplasty.
I still got 1 policy with balance around 40+k lifetime and yearly premium around 3k. Me also need to make decision on this sooner or later.
I do foresee myself will use it in 10 years' time as me need do angiogram and colonoscopy in future as precaution step

This post has been edited by Iceman74: Mar 17 2025, 11:18 AM

AIA already offer unlimited coverage

why not stick to the old one, rm50k/year or rm200k/max

come May 2025 , private hospitals will have to do itemise billing and they cannot overcharge and Insurance claims need to be more transparent & that rm50k threshold might be able to sustain most claims, unless its those super expensive ones which you can refer to gomen hospitals as a rakyat to get cheaper rates

New one got deductible? Higher deductible cheaper premiums.

Did you compare your existing one with kaotim.my? Most importantly compare till age 80. But that’s just an indicator lah

confirm la

young or not young, the premium will increase either way due to time and economy factor.

no matter how you spin, basic insurance will always be affordable or nobody will purchase them anymore.

im not entirely sure why all pipu have the mindset say must die die buy from young because it's cheaper.

i don't feel any difference at all since i've purchased my insurance in 20-ish and now im in 30-ish.

also, what you bought 10-20 years ago is totally different with new 'upgrades' on current insurance especially medical cards. so yes, you paid cheap premium in the past, but it's also almost equally useless afterward.

This post has been edited by a13solut3: Apr 28 2025, 09:51 AM

the rates in the past are not comparable to rates of today

last time early 2010s my annual medical coverage only RM60k was considered "basic". now annual RM1mil is "basic"

yes.. do you want to consideR?
i am a GE agent... i can help you with this plan if you intrested...

That's exactly what I'm talking about.

Eventually you still need to 'upgrade' the plan or you stay at your old plan while paying the 'almost' same premium.

yeah so its the other way round, we are paying more in the past for what they actually can offer zzz

maybe you too young for now.
you need to understand, previously there is not so much condition in the insurance plan to be able to take it up and approved
even the insurance claim is much straight forward. The clause term in newer insurance plan is getting longer and complex.

Now, if your immediate family members got any case of cancer, heart disease or even history of hypertension/high cholesterol, most properly will not accept yours to buy their insurance.

If you over 40, they might need you to do medical test and check your background b4 they even want your money

buying when young is a way of securing insurance protection earlier before your parents start showing symptom of long term medical complication.
In my case, as parent, buying when my kid is young, they have some form of protection if something happens to me.
Me got buy a rider during that time, me no need pay anything until my son reach 25 years old since I got diagnosed with cancer during in my 30-ish.
Yes, I agreed, the protection is lesser comparing with current policy but that doesn't mean they won't be able to claim.

Beside there are many types of medical insurance out there.
I have an auntie buying a policy with medical protection of RM100k per year. the condition is premium won't increase. Just need to continue pay in order to be inforce. She have a lot complication now due to kena Covid severely. Last year already claim the max 100k. During Covid era, also got
Imaging without this amount insured, how difficult her kids need to fork out this figure.

the key words is "future planning" and "spread the risk"

Remember, insurance company only insured healthy people. They are after all business entity, not charity biz

there is always KKM seringgit, which insurance agent like to demonize

If you’re young
Buy something that guarantees renewal to 80 at least. Because when you’re young and healthy everything is covered and no exclusion.

When you old only buy
Maybe got high cholesterol or bp, they might exclude certain illnesses or outright reject you.

Yes, you can say buy for what, company provide. Well, when you claim from that company’s policy, the condition is made known and moving forward whatever you buy won’t cover that anymore. Unless you own the company, else realistically you’ll lose it when you leave.

Young don’t need buy expensive policy. Got something is better than bare naked 0.