Actually it's in the projections shown in the proposal. If you are diligent enough, you can compare across other insurers and also with term life policies. Generally they don't run too far

I'm just pissed that everytime I raise this people talk down on me like I'm some Id*ot. Of course, also pissed that I'm with the insurer that has the low returns in their inv linked funds

Did you make a switch? Hopefully it's still not too late..

Nope, I did not make the switch, I've had the policy since 2009, which means I finally paid off the hefty commission. I'm not about to start again. As to switching within prulinked funds, unfortunately the old policies can only switch within the local funds which all feed back to the same gigantic equity fund and bond fund, so there's really no alternative.

What I can do however includes - spread the word so that others don't make the same mistake. And if I do it hard enough, maybe one day the giant insurer will realise they need to buck up with their inv linked funds and do something about it. That's my version of win-win situation and little contribution to the society

p/s: Insurance agents need not PM me. I'm well insured and do not need another policy. besides, I trust you can tell that I'm a difficult client if you bother to read my postings

This post has been edited by dasecret: Jul 12 2016, 10:25 AM

Yeah, COI for insurers generally don't differ much, it's the performance of their unit-linked funds which make the difference in cash values over time.

For a non-smoker male with no medical conditions, how much does it cost to buy a medical card which has about rm1.1m coverage per year and unlimited for lifetime? Was quoted about rm460 per month by AIA but an acquaintance said it's only about rm800+ per year.

What you got quoted for could be the investment policy with medical card, if it's a stand alone medical card then it will be cheaper as per what you mentioned but you will lack on the investment feature.

if apply standalone medical card with AIA, does the cost increase over the time?

All standalone and investment policy cost of insurance increases overtime as you become older. Be it with AIA or other insurance companies.

I have an AIA medical card. Reading all this makes me scared.

Hi bro,

If ur card is bought this 1-2 years ago, there is no need worry as owner of the post is before merging with ING, now AIA medical card is very good with no co insurance. We hav 1.1mil coverage per annual and no limit for lifetime.

Of course if standalone medical card premium will increase abt every 5 years. If you dislike it may consider get investment link plan which premium wont increase once inforce.

Thanks

Scared of ?

want to lean more about aia protection and medical, please pm me.

I have high blood pressure and take medication from government hospital. am I elligible for AIA medical card? I try communicating via one lady agent last night. she said, application is hard to approve. is it true? I'm in late thirties.

will need to see how serious is ur HBP in terms of reading and what kind of medication you're taking.

Hi There,

I'm planning to get medical card for my family. my self 39 yrs + my wife 32 yr + 7 yrs daughter + 3 yrs son. can you recommend me a package.

I'm 27 , a male doctor , interested in health card. pm me details tq.

Halo guys, i have scenario here. Paying for aia investment link insurance for 13 years but noticed now that the medical coverage is not sufficient. I understand that i am not able to upgrade medical card. So the option is to buy new medical card or second is to get new policy while keeping the old one....which is better option? Tks

There's an upgrade option that AIA is offering to existing policy holders. Reason being we also know that the old products coverage are not keeping up with the current times already.

Check with your agent. He/she should have the information available to you.
Or, you can engage any AIA agents here and we will be able to facilitate your upgrade options together.

Thanks bro...ya i found one but options given are buying a new investment package or either to get a new medical card to compliment the existing investment plan. Let me ask her to check for upgrade....rather than buying totally new one which is very expensive...
If still cannot upgrade, probably will ask u to look into it. Tks

You can upgrade your medical card but it will fall under the new plan and will subject to new health declaration. As the older plans are no longer available. Newer plans might cost slightly higher due to better benefits and also your increased age factor.