i am collecting limits, sublimits if any, deductables, co-insurance, renewal conditions, benefits, outpatient benefits and special benefits at the moment.

i found a plan from tmasialife but no details online: Asia Health Partner Excel - if anyone has information, please send to me.

i am also considering adding the premiums but havent done so yet.

and yes - i was surprised about axa as well when i first got the schedule. its impressive - furthermore they managed to keep premiums stable from 2006-2009 - only just now slight increases but what is best is the upgraded room and board condition. they added room categories: if you remain in the same category, the 20% coninsurance clause does not apply - nice one.

Just came back from travel. Thanks for all the very informative info you people are giving me.

I checked my policy. It consists of:
1. PRUdisability
2. PRUmajor med benefit - PMM200
3. PRUlink assurance ac

Annual limit is RM75K
Lifetime is RM225K

What advise would you people suggest?

To recap. I was offered AXA that only have an annual limit but NO lifetime limit. Should I switch?

Many thanks again. And btw, I am much older than you fellow assume I am

This post has been edited by Optiplex330: Jul 24 2009, 09:32 AM

if you are only looking for H&S you are better of with the AXA plan. if you want disability, you can also add this outside as a standalone.

normal advice would be dun switch, but you can top it up or 'add'. since ur current policy if whole life 100 yo, then u can top up AXA for 5-10-15 years where the premium is cheap and cover u up to 40-55 only, should anything happen after that, then ur current policy can still help a bit ...

at least thats my strategy when budget is a concern but still want higher coverage during some 'prime' years ...

keeping it as a top up is a good thing also. if its one or the other i would switch.

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Added on July 24, 2009, 3:44 pmdoes anyone have the entire premium schedule for AIA ExcelCare Plus?

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Added on July 24, 2009, 3:44 pmalso i need the schedule for AXA SmartCare Executive

This post has been edited by PJusa: Jul 24 2009, 03:44 PM

....My Co. paid the SCE .., so I'm waiting for AXA to quote me SCO (as a top-up). I heard AXA has jusst change their coverage/premium this year (May?)

 ECP_premium_schedule.pdf ( 74.56k ) Number of downloads: 101


 MCP_premium_schedule.pdf ( 129.83k ) Number of downloads: 87


for those who want to purchase safe&smart, please be informed that the monthly mode of payment will no longer be available

thanks

numbertwo,

yes axa revised premiums just recently. minor increases - stable premium from 2006 - 2009. that is quite decent.

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Added on July 25, 2009, 4:10 pmthanks raph,

will add this to the list. if i use the max. plan it's a bomb if and when i exceed 80 - how to pay 40k per annum for medical ?

This post has been edited by PJusa: Jul 25 2009, 04:10 PM

hahah thats true, thats why they advise to buy a medical plan and attach it with investment-link and purchased it since young age.
and what about the other insurer's premium? is there a lot of different?

no difference really, u still pay the 40k

yes that rite, but it come from your accumulation value not from your cash at that time.

edit: grammar

This post has been edited by raph: Jul 25 2009, 09:51 PM

yes, accumulation could be positive or negative, so may need to pay 50k also

very very true. which is why we employ a medical budget of 1k per month for the family and save the balance. but seriously at age 80 i can get away with a better cover for under 10k. just waiting for all plans to come up with serious 100yr plan i.e without lifetime limit and reasonable annual limit. anything below 250k wont be worth it in 30 yrs.

why dont u also put here some of your research so that it can benefit others?

i will post the findings. i am still in the process of getting every single plan in an excel spreadsheet. it's a lot of work to do in my (rare) spare time. so far i have 24 different healthplans with all subplans in comparison. that means all major features and added features can be easily compared. also all current premiums are listed and you can poll them for specific ages, genders and age bands - even averaging out the annual premium for a specified range. once i am through with the insurances i will have to look at the banks also. i think one or two weeks time and i will be through. 5 insurers to go and then the banks. also some plans i cant get any decent information - have emailed a few insurers but interestngly enough they seem to indifferent towards email inquiries. have only received feedback from manulife. instead of sending what i asked for an agent calls me well such is life.

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Added on July 26, 2009, 4:44 pmfor age 80 - rates differ. assuming annual limit 100k you can get: (i dont have the schedule of benefits for AIA plans yet - want to share?)

- AXA SCO
M: 3285
F: 3271

- Allianz EB Medishield
M: 6822
F: 5636,4

- Kurnia MediGuard Senior (110k limit)
M/F: 6334

- MAA Medicalife 207
M/F: 4371

all the other plans dont offer age 80. but the prices vary a lot. if you look at average premiums from age 1-80 for the various plans you will that they also vary from around 1000 (AXA) to 1700 (Allianz) MAA is in the middle with 1500. that is a huge difference in assesment and tells you pretty nicely in todays terms what you are expected to pay for cover throughout the years. of course inflation will increase those numbers but its a good indicator.

This post has been edited by PJusa: Jul 26 2009, 04:44 PM

PJusa, I guessed premiums are not guaranteed for medical coverage.

agree, i depend on several factor such as medical inflation

of course premiums are not guaranteed. but if you want to do an actual comparison you can compare todays overall premiums due for a given preriod - say 30 yrs - with others. this evens out spikes and gives you a good idea at the cost for an annual coverage of 100k in this example. one can assume that medical inflation will be roughly the same over time so premiums will increase roughly in tandem across board.

Hi

I'm not sure which insurance company medical card to sign up...any ideas ?

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Added on July 29, 2009, 7:01 pmMay i know which insurance company is good in medical card?Easy to claim....and i heard that some insurance company revise the next year premium up to 20% after a big claim this year....Anyone heard about it?

Between ING and Prudential...which 1 is better?Any ideas?

This post has been edited by miki c: Jul 29 2009, 07:01 PM