The premiums are very competative 

But a couple of questions:
1. Is there a Survival Period .... The period of XX days after the diagnosis of a covered critical illness for which the insured person must survive before a claim becomes valid. I know Pacific Insurance's Medi Help's survival period is 14 days. Some CI plans from other companies has a survival period of 30 days.

2. Is there guaranteed renewal? For Pacific Insurance's Medi Help, it is "this Policy is renewable at the option of the Policyholder subject to ...." and any revise of premium is "applicable to all Policyholders irrespective of their claim experience". What about Chartis's CI plan?

You misunderstand it. I mean the guaranteed renew is for never claim before. Of course if claimed, cannot be renew.

For example, without guaranteed renew, the company have the right to not allow policy holder to renew for coming year (maybe the company got the news that the policy holder is in bad health condition). This apply to policy holder did not make any claim before.

If with guaranteed renew, either the policy will be terminate because policy holder did not pay premium or diagnosed with CI or until age 65.

Thanks, my wife happened to meet an agent from AIA claiming that their medical card is lifetime unlimited. While almost all insurance companies all have lifetime limit. Does anybody know what are the hidden things that lay behind, as i truely don't think their actuaries will come out something like that. Thanks for sharing!

Let say i take TH400 plan and now i'm 23 yr old.

So i will still pay RM1813 when I at age 50 ?

http://flare.me/images/7s0o7alv.jpg

---

Added on October 28, 2010, 5:36 pm

raph. You are wrong. The contribution is based on entry age. Not at your current age.
There is different between contribution and tabaru'. The tabaru' is based on your current age - which is the real charges for having the medical card

Dear Insurance Agent,

Would like to ask, those medical card (stand alone, rider, ILP) from insurance company will have their own panel hospital. If admitted to non panel hospital, the medical card can be use without paying the medical expense? Or we need to pay first and then claim back later?

Hi Everyone, RM100/month can get life/critical illness insurance or not for kid ~2 yo? standalone or ILP is fine...^^

hi, looking for a medical card for me and my spouse. looking for something cheap paid yearly. if possible one which i dont need to go to do medical check up lol.

yes i know the price will increase, but according to a price list which they shown me at the time i make a contract with them, they arent following that list, the 1st payment was 500+, then the next 1 i did last year was also 500+ but increased a bit, but for this year it shoot up to 800+, read this note below, they said about increment of bla bla bla, which didnt stated during the contract. if they can do it once, they sure can do it again, so im out.
[attachmentid=1937565]

Hi guys & gals,
I've been using this GE life policy for about 9 yrs or so. and paid roughly ard 100bucks per mth. It covers a basic sum of 35k and additional for Reducing Term Rider Plus with Total & Permanent Disability Benefits (RTRP-TPD) of 70k, but it has many clauses like aft age 40yrs old u'll get like 75% of the insured value and so on.
I would like to know is it better to stop the policy and get a better policy that comes together with the medical card which has a better limit and the premium doesn't goes up like the std alone medical card i'm using now cause the coverage sucks with and annual limit of 25K & life time limit of 75K, which i think is not sufficient. I paid rm250/yr when is signed up 9yrs ago and it escalate up to about 4++/yr now w the same coverage. Wat is ur advice about tis. Should i terminate and buy a better one or i pay for tis and get additional life insurance tat comes with a medical card.

No wat I'm saying is cause the coverage for life insurance is much higher now compare to last time and comes with a medical coverage should i jst cancel my existing policy and buy a new one which comes with life and medical with a higher premium and yet better coverage or should i stick to the old plan.

u should upgrade your medical insurance, but do not terminate your existing medical card unless the newly-applied medical insurance's waiting period is finish.

Can I get an insurance for medical only at RM100/month for my new born baby?

Need some advice on a topup policy to complement my existing AIA policy which is AIA HS-200: rm200 R&B, RM40000/admission, Emergency OP rm450,Lifetime limit rm400k. No OP kidney/cancer Treatment Benefits. UP to 60yo (9 more years).

Topup policy should have deductible option convertable to full policy at age 60, with 200k OP kidney/cancer Treatment Benefits.

Which of the medical plan in the market worth looking into based on my requirement? Thanks in advance.

Hi,

I am relooking at my insurance coverage policy again and i realise i have been paying too much to my agents for minimal medical coverage.

Now, i plan to reorg my medical coverage and have found tokio marine medic plus and axa smartcare optimum which suits me.

The question now i am seeking, which company offers critical illness standalone coverage as i don't want to buy another life insurance policy as most agents tend to push that ? And no investment linked fund either. Had enough of that as i seek coverage instead of investment.

Cheers.

Dear,

Let's say if I'm married and have 2 kids.
May I know buying individual medical card better? Or buying family medical card more worthy and better? Any disadvantages having individual MC or family MC?

The only reason you buy Family card is because of Family Discount (approx 10~20%)
and thus lower premium

Disadvantages, maybe:-

1) One ANNUAL LIMIT shared by all? If only one person claim, then no problem
But what if whole family in one accident for example? Enough for all?

If Family Plan, but you have Individual Annual Limit, then okay
2) If owner of Family Plan dies, or finish lifetime limit, then whole family plan cancelled

The remaining family members will have to underwrite again for new plan. If previously no health problem
then okay, but if have history, then new plan will exclude, although cancelled plan would have covered all illnesses

Also when children reach major, they cannot be covered anymore and have to underwrite new individual plan

Last time maybe its true, but today its change already. If owner of the policy died, the next of kin can transfer into individual plan or insured with children plan. no need to underwrite anymore.[