Hi ,
the only URL that has this save&smart plan is here : http://www.aam.org.my/insurance/insurance_safe.asp (scroll to the bottom to see the CI plan), what you see here is exactly what I see from the catalogue on my table.... I can't find this plan in AIG website though..

raph,

seems the same. but the AIG one is for business only

yes I used to pay RM 1,800 for Public Mutual Life+CI covers, now its RM 2,375

and yes, I have no agent to scold, every time I want to feedback ( release tension ), big companies who take my calls will say if I am not dead and don't have heart attack, then there is nothing else to do

... thats group term insurance ...  I have been having this plan for more than 10 years now.  If anyone found a similar but more cost effective choice, do PM me.  I want to change too

Public Mutual's Medical Plan is RM 1,156 for the whole family, covering father, mother and all the kids.  Damn cheap but terribly under feature.  I am thinking to buy one just to cover everybody, then buy extra standalone plans as and when needed ....

The one listed under 'business', I'm not even sure that's plan I'm talking about..  I've just called AIG with the number posted in my previous link, 'Save&Smart' plan is opened for individual, premium on yearly only and you can view the premium bands on the AAM website.  Sorry I don't have any detailed T&C except what you see in the AAM website because I've yet to purchase.

More FAQs are here:
http://www.aam.org.my/insurance/insurance_safeFAQ2.asp

Sorry guys, that's all I can help.

raph,

benefits are not too bad. care to share the policy jacket and premium schedule too?

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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 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 ?

no difference really, u still pay the 40k

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.

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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?)

since this thread also for medical, i post the benefit of new medical plan from AIA. enjoy!!
 MCP_table_of_benefit.pdf ( 49.84k ) Number of downloads: 72

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

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


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

sorry i forgot AIA exelcareplus. i got the premium schedule for lifetime limit. how much extra is it for unlimited lifetime limit?

Also looking for Critical Illness standalone polices. So far I only have Pacific and AIA GI. Any other companies offering CI as standalone?

AIA GI - AIA General Insurance

i dont deem life, CI and PA critical if your medical card is on the higher end level. if you can afford it a PA would be a good idea. speaking of PA... i am actually looking for a standalone PA for my kid - does anyone know of PA plans that are offered for kids aged 2? my wife and i run under MCIS supreme PA and they dont take minors under this plan. and it does make little sense to take another PA just for the sake of insuring my kid right?

there are two standalone plans for CI available: Pacific and AIA (now chartis?). standard chartered has a CI only for SC customers too.

premium is per age band. compare, there are signficant differences in the premium based on sex and wether you smoke or not.

dear all,

currently im searching protection medical card,critical illness, TPD.
could somebody propose for me what policy i should take?
by the way, my age is 25.