why not try asking your employer to top up that 50k for you for free ?

this is the best insurance i will serve u...

zaza ade byk plan untuK yang berminat dgn great eastern insurance...yang ramai client ambil dgn saya

1) GE- AC DANA RESTU WITH MEDICAL CARD ( RM150 ATAU RM200 P/MONTH) ISLAMIC PLAN

2) GE- AC PENDIDIKAN DANA RESTU WITH MEDICAL CARD (RM110 P/MONTH) ISLAMIC PLAN


3) TGH PANAS SKANG NEH---CONTENNIAL WONDER...BUKAK 2 BULAN JE...LAST MAC....BERMINAT BAGITAU MIN IS 20K..7% PER YEAR UNTUNG....

4) KALAU SESAPE YANG POLIS ATAU ASKAR BOLEH BUAT INSURAN KELOMPOK BAYAR 30 SEBULAN UNTUK MEDICAL CARD..TAPI BURN..KALAU ADER ASKAR/ POLIS DALAM NE..CALL ME K...RUGI KALAU U ALL TAKDER MENDE NI...

5) KALAU ADER NAK INSURANSKAN COMPANY DIA PUN BOLEH...COVERED 1 JUTA...NE RAMAI TOKEI AMBIL..

I ADER MSG SESETENGAH USER BUKA DANA TAQWA ..DANA RESTU..MAAF YE...

I WILL HELP U..IN ANY ASKING..DONT HESITATE K....013-3973020

I am self employed.

Xuzen

Dear Xuzen,

I have a quote for you. Based on age 30 male non-smoker.

Investment Linked Policy - The cheapest given your budget.
Death Benefit - RM 100K
Total Permanent Disability - RM 100K
36 Critical Illness - RM 200K
important note: If diagnose with 36 Critical Illness, this account will pay RM 200K. Then later if Death occurs, the account will pay another RM 100K. So its RM 300K in total.

The premium, RM 150/mth - RM 1800/yr. This is no scam.

Call or contact me at 016 335 0044.

I believe he is looking for a stand alone plan.

The problems is most people will quote many extra. But can't really blame them for just trying to earn a living...

In 2004 I took AIA healthguard 55 for RM790 per annum, RM100,000 coverage, I was 30 then. Hope this helps your comparison.

This post has been edited by vergas: Feb 23 2009, 09:45 PM

TS

Rm500++ for a 50K CI is quite affordable. I suggest that you should also evaluate the agent that is going to serve you. There is already a few thread complaining about poor agents.

Hmm but RM50K. After hospitalization, won't left much for you to recover.

ts already said its a top up

true also la
Crictical Illness according rules of thumb
one shall have at least 4 years their annual income
which means if you are earning 30K per annum - you will need RM120,000 CI

Xuzen, I agree with what raylimfs said. What the are odds of you getting the 36 CI? Even if you are dignosed with 36 CI, how long you think the RM50K or RM100K going to last you if you need treatment? Go and ask people, 1 time treatment for cancer may cost above RM30K if dignosed early.

What I noted from your reply above is you are looking for Med Card Protection. Assuming that you dont' have a Med Card, my opinion is that better to get one instead of just CI only. My wife's nephew was hit by a car last week and the had to undergo major operation and after discharged requires therapy and it will cost more that RM40K.

I myself have Prudential Med Card annual limit RM75K and Litimetime RM225K since 2003 at RM200/month and last year upgraded it to lifetime amount of RM300,000 and up to age 75 (from 60)) since I getting old and foresee more health problems and now paying about RM340.month. So my point is the ealier you are covered the premium is less and check until what age does the insurance covers you.

My eldest is getting his driving license this year and will be going out more often so I just got him a Med Card from Prudential. His plan is slightly different from mine where it does not insured for take home medicine and got co-insured but his annual amount is same as mine RM75K and Lifetime amount is RM750,000 and monthly premium is only RM125! It also includes RM20K for Accident Out Patient Treatment, RM20K Life and CI.

Suggest you talk to a Prudential agent and compare with others, best if the agent have been doing insurance fulltime for years and highly recommended and not some guy you met that will not provide you service in time of need. And if you do consider Prudential, get the higher Lifetime amount as RM750K vs. RM500K and higher hospital room allowance (what you think it will cost 20 years from now for twin bed room at private hospital) as the premium diff is only about RM20-30/monthly.

Some people may tell you to get Personal Accident and just CI insurance only since it is cheaper but what in the event one is hospitalized because of illness/disease/cancer, can he/she afford to pay the hospital bills at private hospital and not burdening family members after using up all his/her life savings? And I am not even talking about being in ICU or having to go dialysis where the cost is just tremendous.

Lastly, is you are paying taxes, Medical Insurance is tax deductable which is different from the EPF & Life Insurance combined deductable.

This post has been edited by Gen-X: Feb 28 2009, 11:57 PM

spoken from the heart....





This post has been edited by eimira: Mar 1 2009, 02:55 AM

Thumbs up for brother gen-x . . . even some of the agents i know from Prudential dont speak as good as you ^^



This post has been edited by Colaboy: Mar 1 2009, 01:46 PM

hi there,

this one you mentioned

My eldest is getting his driving license this year and will be going out more often so I just got him a Med Card from Prudential. His plan is slightly different from mine where it does not insured for take home medicine and got co-insured but his annual amount is same as mine RM75K and Lifetime amount is RM750,000 and monthly premium is only RM125! It also includes RM20K for Accident Out Patient Treatment, RM20K Life and CI.

Can I know what plan is this?

Monthly on rm125 ? That's very affordable, interested to get one btw I'm 22 years old, so I guess maybe need to pay more than rm125?

It is Prudential Investlink Link. Actually there was a cheaper plan for about RM110 or RM115 for Annual Limit RM50K, Lifetime Limit 500K and Room RM100 but went with the RM750K Lifetime limit as the diff in monthly premium is only RM20. Yah i think my son's policy is pretty good considering the Lifetime limit is RM750K.

When I talk to my agent, i will ask them for various options, I can tell you for RM150/monthly and below premium, the agent can come out with no less than 5 options. If the agent only give you one or two option, go see another agent.

This post has been edited by Gen-X: Mar 2 2009, 02:35 PM

Thanks for the reply, so this one should be with Medical Card which covers most of the hospitalization stuffs as usual..

Hmm sounds pretty worth, I understand that ING's medical card+investment link, cost at least RM250 for my age, which is way too pricy for me. This one sounds much better, I don't really bother is there any investment link, just a medical card is good enough for me

Previously the minimum to enter a ILP plan for Prudential is RM150/month.

Now the company has open up to RM100 a month to covor the market for those with lower income group. Basically everything is similiar, with less rider or lower sum assured.

Hi, xuzen.

I have a standalone critical illness insurance plan for you. It is called Premier Healthguard 55 from AIA Berhad.

I think it is a good plan because I don't have to pay any more premium from 56 to 70 years old and I am still insured during this period. If you are 35 years old now, you just have to pay premium until you reach 55 years old i.e. you just have to pay 20 years premium. Besides that, you also enjoy renewal bonus of 5 % every year up to 5 policy years. If you buy the plan with sum assured of RM 100,000, after five years, your sum assured will be RM 125,000 (guaranteed), instead of RM 100,000.

Before you make any decision, please feel free to read my blog:

http://lokeaiaberhad.blogspot.com/

After reading my blog, please feel free to leave me a comment or email to help me to improve my blog to help more consumers in dealing with buying the right insurance plan.

Thanks...

A standalone medical card should cost you less than RM100 per month from most insurance company. However, If I am not mistaken, there is no monthly payment mode for standalone plan.

Most agent will bundle with Life, CI or investment so that it cost more and they can get more commission. At the end of the day, having a good servicing agent is better than just looking at the cost alone.

Yes, cuebiz. You are right. Most agents are like that. However, we must understand that an insurance agent is actually running a business on himself. When we talk about business, it is usually profit-oriented. I don't think there is something wrong for agents to do like that if a consumer has the insurance needs and the agents are doing their works responsibly. Consumers pay premiums to insurance agents and get financial protections from insurance companies. After that, insurance agents get commissions from insurance companies and provide after sales services to their customers. It is actually a win-win situation for all the people involved in the sales.

This post has been edited by lcl832002: Mar 5 2009, 12:01 AM

Just to update you people:

I bought my CI from my regular agent (AIA): premium RM 537.00 p.a. for SA RM 50K.

I also increased my med card to a life time limit of RM 500K, premium abt RM 800.00 p.a.

Call me kiasu for taking such high coverage, but I know that illness is a definite thing, and I want to be well taken care off during my down-time.

Xuzen.