Hi All,

I want to choose another medical insurance.
Reason is currently this company say A increase 30 peecent monthly payment.

I feel like been cheat as last time say same no i crease for sure.
Please advice the reliable,no cheat on increase after few years and can easily supporr as per contraxlct.

I have blood preassure dono if when i reach 70 years got illness suddenly not cover.

Everyone increasing now, nobody can guarantee anything

Insurance not about which company , more on who u buy it with . That why ppl prefer old agent , cos they know all the trick . My friend whole family with this old agent , except for my friend he kinda kuailan don't want listen . He support his friend policy then ( same company with his family member ) when claim cannot claim , the newbie agent donno how to claim for this case . End up begging the old agent for help .

no such thing

Mine did not increase a sen , say give better benefit lagi . But got co pay 10%

TS, you wont get any advice here as all the insurance agent gone from /k. Used to be lots of them peddling their wares, now after increase. Gone.

If you found, after few years, please do let us know here.

insurance agent : krik krik

Got such thing meh TS.

none as of today

either continue paying or cut it off completely

Etiqa insurance: fixed amount according to age. If u ok then u buy. Not ok don’t buy.

Or use i lindung- buy through epf for 50k coverage.

Most /k self insure...sendiri become own insurance

/k : insurance is scam

actually yes.
my saving is 3x the amount of my annual insurance coverage now.
double the premium up and i probably cancel it
if i could fully utilize that coverage, i probably as good as dead.

This post has been edited by zerorating: Apr 9 2025, 09:48 PM

u org kaya diff.....

Best insurance is gold...owai

What if the oldie agent upcar?

TS, you can PM me and I'm happy to help you explore your insurance options

3mil saving?


biar betik bruh..

If they reach that age usually they are the owner of the agency dy , they won't let u hanging one .

Buy new medical insurance means starting over from zero. If you already got medical card 4 years ++, better stick with that first.

Policy will always increase in price as you age.

Tcm card

Why buy iPhone 16 instead using iPhone 6?

which company, no increase mean good lorr

ok then ask agent contact me , mine last few month cut off insurance, nowdays donno anything can happen especially tarriff increase from U.S

Very expensive now especially medical card insurance.

Even companies now avoiding providing med card to its staffs.

Last time was Great Eastern but was among the most expensive in the market.

You also got Mitsui Sumitomo, Tune Protect Pro, Gibraltar BSN..

Prudential mapren says always ask to topup, AIA claims hard, Allianz less known.

Anyways many people's job now shaky, paying much more than last time soon many will discontinue their med cards.

You see even company bulk policy also now less takers.

Because your pool of insurance hasn't been claimed by most. Wait for your pool to age and people start claiming the you gonna get the love letter

Or

U have a life insurance to off set the premium increase?

Alianz , u think They do charity ? They kinda did me dirty , change new policy saying give better benefit . So mean that I'm not covered in next few months since so call better policy .

you change the new policy through agent?

Ya , old one will go up alot .

Just buy direct from the insurance website. No need to buy through agent. Can save a lot. Prioritise life and critical illness (income replacement). Get the basic med card coverage too. Extra money can put into investment such as epf. Epf got options If fall sick n required medical treatment/operation or etc can withdraw. Rather than paying insurance provider 1.5k-2k (based on projection) per month when u r in late forty/fifty better compounding that money urself. Afterall, treatment expenses much cheaper when u pay urself compare with using med card.

dont understand how my prudential insurance increase from rm200/mth in 2012 to rm600 in 2025... i told agent i want to change he drop to rm400/mth but with coinsurance. is tbat good? any advise on insurance. its medival card plus life plus critical illness

Have to review your policy first 🤔

You can send me your policy (censor your details if you feel uncomfortable) then I can help review your policy