Hello teachers,

I am in the market to look for a critical illness insurance plan. To be precise... basic plan, not those tied up with investment link etc.

Can you please advise?

Thank you.

Xuzen.

What's your income?
What's your budget for Insurance?
How old?
Female/Male?
Occupation?
Do you have any dependent? How many? How old? Are they working or not?

If you feel uncomfortable to provide the details above here, might as well set up appointment with all the agents from diff. insurance company.

What's your income?
What's your budget for Insurance? RM 150 - 175K coverage
How old? (mid 30's and non-smoker)
Female/Male? (Male)
Occupation? (Office worker)
Do you have any dependent? How many? How old? Are they working or not? (One child 2 y/o, one more coming soon)


Xuzen

Get a few quote around . . . & talk to few agents before making up ur mind
Anyway you could have a look at Prudential MultipleCrisis Cover
Good Product !

Thanks for the info.
Actually budget for Insurance means how much you willing to pay for Insurance monthly/yearly?

Are u a insurance agent? bbjslee

Yes. I am. From Great Eastern.

I believe that you understand the difference between medical and critical illness otherwise please do some research.

You may look at it from few angles.
1. Affordable budget for premium, e.g. RM200 per month
2. Medical Coverage .e.g RM150 life limit , RM50 per yearly limit
3. Critical Illness coverage , normall is 36 illness .e.g RM100K

Ask agent to work out some quotation for you.
It is advisable to include Term Life Insurance.

the most cost effective option is in below link, scroll down further you can increase coverage on h&s and critical illness.

http://safepay.com.my/ins101.asp

TS

Besides budget, you should find out what type of disease are covered in the Critical illness policy. Do not assume it is the same for all insurance company.

Same goes for medical card. I do know one insurance company does not 100% cover eye cataract surgery.

as a matter of fact, all 36 critical illness are the same by regulation, its the claim process one should worry about.

however, advice on medical is very true.

the best way to cater for above issues is to understand the claim process yourself. that way you eleminate the factor that your claim depends on how good your agent is.

hope this helps !

I got a quite of RM 536.00 p.a. for SA 50K (AIA)

I asked for a basic (no rider and not investment linked) critical illness coverage and this is what the agent quoted me.

Is this a fair market rate?

Xuzen

looks reasonable for a yearly payment. i believe it's a term insurance. Ask your agent regarding Inflation Protection Plan if u wanna view on more products but it's slightly expensive and as mentioned no rider and not investment linked.

xuzen... mind if I'm asking...why you need only CI policy?.. you knew you going to get one?.. or you already have?.. sorry for asking this... and about SUMINSURED=50K from AIA for RM536 it's mean about RM1.46 per day... does this fill your needs if you are really lucky having this 36odds sickness? I mean weird...I dun mean to sabotage any of the agent here, seems that everyone just asking how much you can pay?.. I mean yeah I understand they need to know your ability. But all you need to focus here is your need? You need this money for medical treatment? Or you need this money for your party when you not around? I'm sorry if I say anything that's making you angry, but this is insurance and this is the fact! Focus on your needs.....All the best...

Inflation Protection Plan is too expensive for him since it is an endowment plan. I think wholelife non-par is better for him if he looking for life insurance + critical illness + medical card.

If he don't want life insurance, and only want critical illness + medical card protection. Then buy separate of each.

I need CI for protection.

I read from KC Lau, Money Matter that we need CI protection of 3 x our annual income. Therefore I am under protected (my existing CI policy which was bought earlier based on my earlier income level and is currently inadequate). Adding this RM 50K will bring it up to an adequate level.

I am healthy at the moment, but getting sick during older age is a guarantee.

And since we are on this topic, what would be considered a adequate protection for Hospitalization & Medical?

Xuzen

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Added on February 21, 2009, 12:17 pmMy Life Policy is adequate.

I am now looking to up my CI and Med card Protection. As one progress in life, ones' needs and protection increases. Yes, I want to keep my CI & Med card policy separate, it is cheaper this way isn't it?

Xuzen

This post has been edited by xuzen: Feb 21 2009, 12:17 PM

So currently you already have Life insurance. Does your current life insurance cover 3D?
- Death
- Total Permanent Disability
- Dreaded Disease (CI)
If yes. Why not you just top up your current one instead of getting a new policy.
If not, though you may not like it, might as well get an investment link insurance. A RM1800/yr ILP, can cover RM250k (3D).
Don't think of investment link insurance as all evil, it is actually very useful for low budget ppl.
An ILP which cover 40+ yrs is actually cheaper than term insurance that covers over the same length of time.

How much CI to cover is up to you to decide (depending on your budget too).
1. 3x annual Income, this is the easiest and minimum.
2. Potential earning from now till retirement. Example: Your annual income now is RM36k, and you're able to work for another 20 yrs. so RM36kx20. That is what you should get.
3. Requirement of dependent. Assuming your wife is able to look after herself financially, how bout your children? Let say you have 2 children. Try calculate their financial requirement from now till graduate from public university (at least that should be the minimum). So that should be your yardstick of how much coverage you need.

As for hospitalization (medical card), it is up to individual and budget.
Do you want to stay in a RM150/night room? or RM300/night room?
Things to look for in a medical card
- Renewable?
- Annual limit / Lifetime limit?
- Co-insurance? (Maximum & minimum)

This post has been edited by bbjslee: Feb 21 2009, 02:02 PM

CI & Med card policy separate, it is cheaper this way isn't it?
It will be the same, wouldn't cheapter.
Just to know ur budget of CI + Medical card is ? Budget here means annual premium

the 1st coverage u need to have is medical plan.
just attached medical card n critical illness plan will do.
some of the insurance company on critical illness already include for savings,term,PA plan as well.so u no need to pay extra.

Its difficult to separate CI & Med Card if you already subscribed long time ago, unless if you buy 2nd policy that focuses on CI only and reduce the CI benefit for the 1st policy.

I know this one investment & protection plan that gives u RM200K CI protection for around RM100-150 per month (according to age). Or u can configure it for RM100K CI & RM100K Death. Policy runs until age 100 years old. If for non-investment/savings plan, the premium would be much much cheaper. PM me if u want to know more.

This post has been edited by normal_user: Feb 21 2009, 07:19 PM

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

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

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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.

good thing you did there xuzen. all the best to you.

very good indeed

xuzen, congratulations to you because you know the reality and take action without hesitation...

<< MY LIFE AS AN INSURANCE AGENT >>

medical card or insurance is good to buy...

i were admit into Pantai Hospital,cheras las month due to some illness....it comes so sudden and i were sent i by my fren.

i bring no cash but just my medical card...its under AIA, a platinum medical card...

gv it to the counter and i were sent in to emergency ward with no questions ask....

i did all the scanning,x-ray.etc and stay 1 nite at hospital.

overall im hapy it AIA card

It is great to hear that, huakenny...

i believe im more kiasu than u are!

i have 2 PRU medical cards with lifetime limits totaling to almost rm1 mill
(Pru and Prubsn Takaful)

my wifey and son too... hehehe

Why do you get 2 medical card from the same company amounting to 1Mil i/o 1 medical from the same company amounting to 1 Mil?

If not mistaken now Prudential's medical card highest limit is up to 1.5 Mil.

If you take 2 different company's medical card, it is more logical. In case Insurance Company A cannot claim, then claim Insurance Company B.

Anyway, what's your room&board daily limit?

got pro and cons also, if get from same company, claim once only, else must claim twice and only one original receipt, leceh ...

both card room & board of rm200 per day.

one with limits of rm750k and another rm225k.


the reason why is easy. - i love the idea of fixed premium till age 70 and all my payments go to savings.

Are you sure your medical card has fixed premium untill you reach 70 years old? Is it a rider or a standalone?

positive. it is a rider of the prulink account.

This post has been edited by eimira: Mar 18 2009, 10:40 PM

From I know, the premium of any medical card is not fixed either it is bought as a standalone plan or a rider.

When you attach a medical card to an Investment Linked Plan (ILP), the premium of the medical card is not fixed. Then, why you don't have to pay more when its premium increases in the future? It is because if your ILP performs well, you will get a higher cash value. So, the increase in the premium of the your medical card will be paid by your cash value. When your ILP doesn't perform well, you have to pay yourself by adding premium in the future.

This is what I know about ILP from the complaints from insurance consumers... But I never say that ILP is a bad product... It is just that you have to take some risk. Nothing is guaranteed in ILP.

This post has been edited by lcl832002: Mar 19 2009, 12:04 AM

i agree...
the guaranteed part is only "if critical illness or death should occurs to me, all the future premiums are waived. Pru will pay the future premiums not only for me, but wifey and son too." - im paying rm2500/mth for the whole family.

PRU pays future premiums till age 100/death for me n wifey and age 25 for my son!
FREE Premiums for my family - thus my savings will increase even tho i PAY nothing.

p/s- a friend of mine was diagnosed of leukemia (blood cancer) last year. He paid premiums of rm3k/mth for the whole family. All the hospitals bills are paid for (except co-insurance of max RM1000) and the BEST part, PRU is now paying RM3k/mth for his whole family. He paid nothing!!! Thank GOD, he is still alive and recovering....


WHY worry about uncertainties (ILP price fluctuations)? THE thing you should worry about is the thing that is MOST CERTAIN ---> DEATH / ILLNESSES.

just my two cents.

This post has been edited by eimira: Mar 19 2009, 01:15 AM

What you have is actually a waiver. It is very common nowadays for most Insurance Products.
Did you add in the waiver for your wife & son as well?

- If your wife/son diagnosed with DD or TPD, is their future insurance premium waived?

If you have added in as well, congratulations!!

well, don't forget the poitical side of this story is that Prudential top ILP in this region so other insurance companies who didn't catch up on ILP trend will usually say things like above. Its just a matter of which angle you look into the same issue and what action you need to take about it.

in addition, to my knowledge its the subsequent follower in ILP who are kind of 'spoil' the market by quoting rediculously high return in their proposal and these are usually bank based insurance division and not the fully life operated insurance divisions.

lapse ILP policies also have to do with buyer where buyers got greedy and pick the one 'most appealing return' without focusing on the coverage when talk about insurance. Almost like the scam cases we hear day to day about scratch lottery ...

---

Added on March 19, 2009, 9:23 amI agree to buy H&S and medical plan separate from the normal life plan because its nature is different than other insurances.

basically keep one account to pay others ( parents, wife, kids )

and keep another account to pay yourself ( medical, PA etc )

that way, either way paying too much to yourself or others in any incident wouldn't hurt the other party ...

This post has been edited by mtsen: Mar 19 2009, 09:23 AM

I just wonder. Is it possible to have a medical card with fixed premium? I have no doubt that the protection for ILP is good. I just tell you why your medical card attaching to your ILP is fixed. That's all.


Hello, when I say something like that, it is just a advice. I hear too much complaints from my clients and friends about ILP. I gain nothing from telling eimira the weaknesses of ILP. He will not buy anything from me, right... I will never criticise other insurance companies. All insurance agents are from the same line. So, it is pointless that we say something bad about other insurance companies. I will only tell my prospects the facts and figures. Then, let them to judge themselves.

from what i understand, it is not waiver. It is payor.

There is slight different between waiver and payor right? correct me if i'm wrong.

waiver means the premiums are waived. policy is still inforce and savings doesnt increase.

payor means premiums are waived. policy is still inforce and ins company now pays the premium into my account. Savings does increase.


Yes of course, i added the payor to my policy, wifey and son.

Hmm... you got it right about payor & waiver.
Normally with payor also only means future premiums waived, doesn't mean savings increase. Is this the PruTakaful or the normal ILP? Wonder how it works, must get my hands on one of the policy to have a look.

payor means future premiums waived for individual and PRU will pay monthly whatever premiums waived to the individual account thus will lead to increased savings.



This post has been edited by eimira: Mar 21 2009, 11:12 AM

When future premiums waived means PRU already paying for your premiums.
Example:
Father pay for Son's policy, premium 100/month.
Father had heart attack.
Pru will pay the premium 100/month, father do not have to pay any more. Hence considered waived.

What you're telling me if I'm not mistaken is that,
Pru will pay the premium 100/month AND another 100/month towards saving.

Do correct me if I'm wrong.
Or any other Pru agent here can clarify?

true, quite a handful ppl are burn by ILP, mostly due to their initial greed accepting high return figures during sales stage ...

---

Added on March 21, 2009, 11:19 pmneed to see her actual policy for correct details but I 'think' Pru has the normal waiver for the payor, they also have waiver for the spouse of the payor and the waiver for the insured, all 3 can be different.

on top of that, they have income rider to provide some income like the one you mention above ...

nowadays insurance has so many features its really pening kepala

This post has been edited by mtsen: Mar 21 2009, 11:19 PM

at the meantime i think is GE with the biggest sum assured & lifetime limit for medical plan . . .
basically no point getting 2 medical card from 2 different company ..... if you really needs to insured more why dont just upgrade ur plan
you cant claim from both cards although you have 2


It's case by case . . what you are saying above are refering to "payor" in a ILP i guess

a waiver for the policy - if 36 Illness strike on the policy owner/life assured/spouse (if included) the policy will go on free for life
hence the client will still enjoy all the benefits but the cash value will not increase

a payor for the policy - if 36 Illness strike on the policy owner/life assured/spouse (if included) the policy will go on free for life
hence the client will still enjoy all the benefits & additional premium located to purchase of units monthly which paid by PRU

i still have a strong believe in ILP product which are good to the market . . . different ppl different opinion




This post has been edited by Colaboy: Mar 22 2009, 04:23 PM

Ya, we can't claim from both medical cards. But, if one medical card is not enough to cover our medical bills, we can use the other one to cover the balance.

I agree with bbjslee and think that buying two medical cards from two different insurance companies is better than upgrading our existing medical card to a larger plan. It is because different insurance companies have their own panel hospitals. If we can't claim from insurance company A, we may try to claim from insurance company B...

This post has been edited by lcl832002: Mar 22 2009, 06:32 PM

Prudential ILP is ok in general (did not over sell profit), agents are quite well trained too, other local companies are not as good ...

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Added on March 25, 2009, 1:57 ami oso agree getting from different insurers are better...

This post has been edited by mtsen: Mar 25 2009, 01:57 AM

Loke,
sorry, but please bear in mind that you are not allowed to claim the balance from another medical card. One claim can only be claim on one particular medical card.

bbjslee,
what was mentioned about the payor/waiver is actually a so-called cross-waiver thing. For you, in GE, it's called Payer Benefit Plus.

It should be done like this:
- Father (Payer), Mother (LA)
- Mother (Payer), Father (LA)
- Father (Payer), Son (LA)
** All proposals are done with Waiver Premium Plus as well.
I hope you get the idea of this. There are pros and cons of doing this.


For the medical card, there are no guaranteed premiums. Guaranteed Premiums is a term that usually agent will use to increase the attractive-ness of their sales, but bear in mind, the agent is making a big mistake by misleading, I'm not gonna discuss about the consequences, but I would like to clear of some misleading part here.

For Investment-Linked plan, policy fees and insurance charges are deducted from the investment funds, please do look back at your investment link statement from time to time on this. Which means, insurance charges do includes the Medical Card rider that have been attached in the plan. And so, medical card charges increases over years, but at the same time, your investment units that sold from time to time have been accumulated. Therefore, you won't see much risk having your premium to be increase BUT there are still chances that your premium would be increase.

These risk are that when unit funds value drops tremendously, and while your insurance charges is higher than your investment return, then you'll have to bear the differences.

FYI, ILP is not an actual savings plan. Agents always like to use the term 'savings', which sounds good, but in fact, it doesn't really apply. In year 2008, market drops, most companies projected their investment return is at 9% or 10% or some even higher. What comes true in 2008 are that majority funds are in negative value. So, please tell me, what's the savings here?

You can claim the balance from another medical card.

I know about this, but the poster said "additional saving", now how does that happen when all the insurance plan did was just waived future premiums.

Yes you are right here. Well, unit trust agent also say put rm100/month into their so and so fund and treat it as "saving". "Saving" has been a much abused word.

ooopsss.. sorry... yea.. you are right..

Are you an agent???

This post has been edited by lcl832002: Mar 26 2009, 01:15 PM

that would be up to you to decide....
I'm just a passer-by last night where I couldn't get into sleep late night.
Just some knowledge sharing of what's going on the market currently.

You can treat me as Agent, Advisor, Life Planner, Underwritter, Unit Manager, Group Manager, as you like.
I'm just here to share.

I don't think that you are sharing because of the way you respond. You are challenging people here, not sharing...

I do not wanted to disclose my identity to you because I don't want you to use a different when you do sharing and I read thru posts that you have made, almost all post, you keep telling people how your company performs. People are not blind or deaf, they know how thing goes on the market. I do not wanted to condemn anyone but please do understand that, we are here to share of what knowledge we have got, not showing off to others that how your company can do and what others cannot offer. The way you talk in forum, it's the kind of forummer that I won't really give respect to.

I am a very fair person, I will respect you if you respect others as well. If you can change your attitude abit in this forum, I can tell you, people will change their view on you as well.

Hahahahaha... Thank you ...

can I treat you as my payor then ?

ha ha, now you are challenging him ... and sorry I have been challenging randomly as well ....


Just to re-emphasize on 'cannot claim from 2 different medical plans' to the newbies, if u buy 50k medical from company A and another 100k from company B

if your total bill is 40k, you can claim from A OR B only, not both
if your total bill is 90k, you should claim from B
if your total bill is 110k, you claim 100k from B first, then 10K from A

when claiming 100k from B, you have to state there the rest of the 10K will be bear by A and that usually will be taken care off.

the same applies if you buy 2 different plan X and Y from the same company C.
hope this helps ...

This post has been edited by mtsen: Mar 27 2009, 11:55 PM

Thanks for your explanation...

There is a previous thread discussing similar issue which has been closed and beign diverted into this thread. The link is http://forum.lowyat.net/topic/725230/+60 for ease for reference.

Thank you for the cooperation.

In the market,
how many selling insurance card?
any agent here? pls pm me....thanks...

CIMB will soon lunch a new Insurance package that catter mdeical and critical ilnesses...
sound like a good product

cost effectiveness wise, I would compare with

http://safepay.com.my/ins101.asp

Annual Premium Payable MYR 1,228
Life and TPD
Personal Accident
Critical Illness MYR 100,000 Sum Assured
Medical Plan MYR 25,000 Annual Limit


This post has been edited by mtsen: Apr 8 2009, 12:45 AM

the website looks funny. I cant see most of the pictures, or something;s wrong with my connection?

why the website so .....

i do a lot of research on insurance and saving plan on these few months.

i found out that most of the insurance agents didnt tell you the truth, such as the hidden fees, un-protectation part...and so on. so disappointed

for my advice is ask many insurance agent as u can ( even they r from same company, they always tell the diff story)

one of my insurance friend told me that insurance is very simple just for protection, not more than that.
for example, if u wan add on saving plan, why dont u go to bank? this is what the bank for.

dont believe on what they said.....medical plus saving (bull shit )

So, did you meet honest agents???

Joo,

I liked what u've said although i'm an agent myself! There is no such thing as medical plus savings. Medical is medical. Savings is savings. You can't get both good in one policy! All are just selling gimmicks and BS.

ya, medical and saving are 2 different policy, but sometime it comes together as one basic plan and one rider

i think its the web site problem ... too IE oriented.

Why is it so hard to get this message across? Friends of mine have been so happy with their medical plus savings plan they shut me off from their first breath whenever I explain to them about basic insurance and savings.

Is it that human will only learn it the hard way?

its very subjective one. different people have different preference.

This is a good 1. Hahaha