could not believe this is happening around

pls dont flame all the agents base on ur experinced only

Normally they have a standard minimal amount which might be RM150/month ( for Prudential )
So lets say you are to remove ur raider such as a Medical Card while maintaining ur contract it's not posible because the Medical Card alone itself
is close to RM40 or more/month depends on the limit you have bought.
To make it clear, to maintain ur policy you will need RM150 minimal, for AIA might be slight different

If you are planning to get a new policy, apply for a new 1 1st before you go & cancel your current 1
make up your mind which is better during the 14 days free look period
*at least you are covered or have a policy, if the new insurance reject ur case
*have something to compare, who know ur current policy might be better

This post has been edited by Colaboy: May 22 2008, 01:52 AM

pity to see consumer are treated this way . . . .btw you have the rightz to change a servicing agent
thats why some people out there have such negetive thinking about an insurance agent

our medical card is cashless, the client does not need to pay 1st then claim later
only for certain cases like cateract treatment(for day surgery) without hopitalisation the client have to pay 1st claim later

your statement is right if you claim for your medical cards limit, it does not effect your surrender value
however some other benefits like crictical illness/basic sum assured/pa you are entitle to claim for the total amount insured only

I always believe the agent is more important when comes into choosing the right insurance. The right agent will give proper advice and Taylor the plan according to customer needs. Atter sales service also imortant for example solve all the matter fast when comes to claim, endorsement or tiny matter like change of credit card/address for client.

Well to answer your question above . . .

1)Basically 1 does not require to purchase 36 CI, PA or a medical plan if he or she already have or set aside (more than enough money) for the expenses required in the event of any above should happen

How much actually needed for hospital admition nowdays? This is very subjective;
- some would say RM50,000/year
- some would say RM150,000/year
- some even said NIL cause they are living a healthy life, wont be admited & there is General Hospital (if needed)

We take RM50,000 today with 12% inflation on medical bills every year . . . with rules of 72
FUTURE COST for an average medical treatment will be RM150,000 in 18 years!

Well considering an average cost from survey the most common
1. Cancer Breast from 18,000 - 395,000
2. Cancer Nasopharynx from 22,000 - 70,000
3. Cancer Colon from 25,000 - 85,000
4. Cancer Cervix/ Uterus/ Ovary from 20,000 - 60,000
5. Cancer Lung from 40,000 - 200,000
6. Cancer Rectum from 36,000 - 121,000
7. Cancer Stomach from 35,000
8. Hodgkin's Disease from 20,000 - 95,000
9. Leukemia from 35,000 - 85,000
10. Cancer Thyroid from 16,000 - 22,000
11. Cancer Pancreas from 35,000
12. Cancer Tongue from 45,000
13. Cancer Kidney/Ureter from 23,000 - 150,000

2)PRUDENTIAL - We are the company that have 1 of the highest insurance charge to the clients
(every dollar you pay have its value in the written policy)

well a new policy with your current needs is more suitable . . .
you may as well continue ur AIA policy