i'd say in general it's easier if we can accept that insurance *should* be what is called burnt money. its not an investment - why bother trying to make it look like one at a price? but that's just me and not a majority view in malaysia (but the standard view in europe, northern america and probably australia too). anyways i'd like to take a look in the standlone CIs from HLA, MSIG and GE - could you guys post a link for me?

thanks!

thanks for the link almeizer - i overlooked that. sadly its only for SC customers. will add it to my list anyway to compare their premiums.

almeizer,
thanks for the info. will check with them. i am not sure if the premium is attractive yet cause i dont have a CI insurance so i need to check my documents for a price reference.

hey.. somebody has actually given me this proposal jz wanted to ask all of ur opinion is this the same as other insurance companies ar...

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Added on August 24, 2010, 5:09 pmjz want to ask the cancer benefits for other companies... do they also exclude the same as per the attachments?

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Added on August 24, 2010, 5:23 pmthe person say 1 of the advantage of this insurance is that the 36critical illness when u claim, it wont affect the life assured sum ..

like say life - 150k
36illness - 150k

if u claim 36illness RM50k then oni the 36illness is reduced to 100k as remaining...

the life assured is still at 150k..

bt then the weird thing about this plan is tht the basic plan (Which is the life plan) will expire or will be no longer valid when i reach age55 years.

however the medical card, 36illness will continue till im 81 / 100 years old.. bt then the medical card and 36illness
is oni riders..

my question here is if the basic plan already expire can the riders continue to be active adn cover me sumore?...

oh.. it is an investment linked plan with riders lah...

Hai... Thank you for asking question. Even though i would prefer we doing Q&A via PM, i'll try my best to answer your question here.
First and foremost this Critical Care plan is to provide compensation if you are diagnosed to be suffering from critical illnesses for the first time.

1. As far as i'm concern there are no survival period.
    Claim: - All claim will be paid to you. In the event of death, claims will be paid to your nominee or estate.

2.  "Renewal of cover is at policyholder option until the occurrence of any of the following", As what I understand, the policy will be terminated once the claim being paid to policyholder. So no there is no question whether renewal is guaranteed or not. Regarding premium, " Revision in premium will be subject to entire porfolio".

I hope my answer meet your satisfaction.
Thanks 

This is a pure C.I plan unlike health insurance plan i.e. medical card where its guaranteed renewable or conditional renewable. A lump sum is paid at first diagnosis when diagnosed with any one of the said illness, and when this sum is paid, the whole policy will be terminated and when terminated, there is no point to renew.

Hi all,

I have a question regarding medical cards for hospitalisation and surgical.

I bought them for my family for years. However, the company I work at also provide coverage. I am quite sure I won't leave the company. Should I terminate the ones I bought myself for my family? Is it hard to reinstate back later? Do I need to go for medical checkup or can I reinstate by going through a period of time of no-claim and then automatically covered lets say after 1 year of purchasing back?

Thx

thanks for the explanation. all clear now!

i guess AXA+TM would be just nice huh

dear all sifus,

my insurance plan as below:

life - 30k
crisis sheild plus - 30k
PHL 100
puacci med - 10k
puacci guard - 50k
pruacci income - 3 units
prumed benefit & hospital benefit - 1 unit each
pru disability provider - 6k p.a

each mth 190..

i have 2 say sorry  1st  if my insurance disclosure may offend other prudential agents (u noe wat i mean lah.)

i'm a insurance knowledge idiot , so hav 2 state all. hope u all understand.

it's da plan ok?

Life - 100k
36 Illness - 100k
Medical - 75k anual & 750k lifetime limit
PA - 1Mil

For all the above iam paying for RM3.5k a year

Moderators:

suggestion to lock this thread as it's becoming a sales ground rather then an informative thread.

As topic, i want to change my medical insurance. Was paying to a company call Manulife, it sucks, the company sold, and then that friggin company send me letter saying need to increase my pay ie 2x more, i tot its suppose to follow to a price list when i sign that bloody contract, but they do not seems to understand what a contract mean, so i consider thats a scam.

Now i am looking for a better and a more reliable company, anybody can suggest me 1.

I just need Medical, feel so lucky i didnt get any combo that from Manulife. Sorry to say i lose all confident with insurance company, they protect themselves 1st b4 considering others. do you have any reading materials for me ?

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Added on December 14, 2010, 1:01 am

nope im done with that manulife, DONE, DONE, DONE, even im losing a head tomorrow, im not going to claim or give them another chance.

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.
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