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medical / critical illness insurance enquiry
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MGM
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 May 16 2011, 10:14 PM
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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.
No Pre&Post Hospitalization Benefit
Insured UP to 60yo (9 more years)
Current annual premium is rm956 (51yo)
Topup policy should have deductible option and convertable to full policy at the age 60 with protection at least upto 80yo, with 200k OP kidney/cancer Treatment Benefits.
Which of the medical plans in the market worth looking into based on my requirement? Thanks in advance.
This post has been edited by MGM: May 16 2011, 11:51 PM
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MGM
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May 16 2011, 11:56 PM
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QUOTE(PJusa @ May 16 2011, 11:08 PM) MGM, AXA SCO can, you might also want to look at Allianz EB MediShield Plus and RHB Medisure. your options are limited. why not consider a take over and applying to a full new plan now? that way you rid yourself of the old AIA plan and switch to a new one now (assuming in good health). waiting periods can then be waived and you have more options cause you waive the deductable & convertible requirement. Thanks PJusa for your prompt suggestion. Will surely look into the various options you suggested. I have been compiling your viewpoints on this thread from the start and are amazed at your knowledge on medical plan.
Added on May 17, 2011, 12:02 amQUOTE(raph @ May 16 2011, 11:32 PM) Why dont you upgrade to a newer plan? or u just want medical plan to cover to age 60 only My existing AIA policy expires at the age of 60. I am looking for a topup policy (upto 80-90yo) with deductible option from now to 60yo and convertible to full policy at age 61. I am keeping the existing policy becos of low premium and possible unknown preexisting health problems.
Added on May 19, 2011, 10:04 amCall TM & AXA GI JohorBahru branch and both companies do not give the 15% discount for direct purchase.This post has been edited by MGM: May 19 2011, 10:20 AM |
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MGM
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Nov 9 2011, 10:03 PM
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QUOTE(rekamaju @ Nov 9 2011, 09:31 PM) I think different Presently tax relief is:- Life Insurance & EPF = RM6,000 Medical & Education Insurance = RM3,000 Annuity = RM1,000 now increase to RM3,000 Please understand that tax relief is only an incentive to invest and protect your self People who are serious about wealth creation and protection can achieve more with proper information and planning even without this incentive The tax relief of rm3000 for annuity is for assessment year 2012? Currently any financial products in the market that qualify as annuity? |
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