Jun 7 2011, 12:17 AM
QUOTE(albhong @ May 31 2011, 10:22 AM)
May i seek all sifu advise here. My self have a basic insurance with 50k coverage, i think is for 36 CI,death, tpd, investment link type and a seperate standalone medical card with annual limit 100k, lifetime 300k. last year, I have undergo an major surgery, cervical spine because there is a tumor (not malignant) and have done few round of check up with MRI scan. Result was better than earlier. Due to my commitment, i would like go get better protection in terms of 36CI, death, tpd and medical coverage.
May i know will insurance companies stop me from buying or any possibilities that will a insurance companies look into my case ?
You can actually try to apply and whether it's approved or not, it depends. Maybe some companies will approve with exclusion/higher premium. So like what chew suggested, you should actually try out all the companies and see which one gives you a better offer.May i know will insurance companies stop me from buying or any possibilities that will a insurance companies look into my case ?
QUOTE(mypetridish @ Jun 6 2011, 03:23 PM)
a simple question. how does great Eastern fare compared to the other insurance companies? I was approached by a GE agent and well.. agents being agents, i like what they say about the company
i try to reacall what they say about it:
1. no.1 insurance company when it comes to asset (?)
2. maximum RM500 co-payment, with Rm10,000 co-op limit, meaning after RM10,000 you only need to pay RM500 max for that claim
etc. cant remember others.
Yes, GE has the highest amount of assets compared to other competitors. However, that isn't the main concern. For example, Tiger is currently Msia no.1 bank but in terms of service, they are last in Msia(This is not by me, it's a result of a finding).i try to reacall what they say about it:
1. no.1 insurance company when it comes to asset (?)
2. maximum RM500 co-payment, with Rm10,000 co-op limit, meaning after RM10,000 you only need to pay RM500 max for that claim
etc. cant remember others.
When considering an insurance plan, the most important is knowing what you want. Cover medical fees? Income replacement? Forced savings? etc.
After that is what do you expect from an agent and whether the agent can meet your expectation.
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