I discuss how insurance scams occur through a WhatsApp conversation with a client regarding upgrading a medical card. I emphasize the importance of transparently disclosing pre-existing medical conditions to ensure
In this video, I clarify common misconceptions about obtaining medical insurance for diabetics in Malaysia. I discuss two insurance companies that offer coverage and the factors that influence approval, such
In this video, I break down how co-payment/co-insurance work, particularly with Allianz options. I provide examples to illustrate the differences between a 5% and 15% co-insurance, including their upper caps
In this video, I dive into the latest premium medical card versions from major insurance companies in Malaysia for 2025, focusing on the lowest pricing and coverage options. I highlight
In this video, I discuss the major revisions to medical cards by various insurance companies for 2025, focusing on the most cost-effective options available. I highlight the differences between the
I discuss the importance of shopping around for insurance premiums by comparing quotes for a 2 million life insurance policy over 20 years from different companies. I show how significant
This is an actual commentary recorded for a doctor client when he asked whether he should proceed with buying an insurance saving plan based on information he got from the
In this video, I discuss the concept of insurance savings plans and their effectiveness in accumulating funds for specific purposes, such as children's education. I analyze a case study where
This summarizes: Clarifying the Confusion about the recent mandatory implementation of Co-payment and Deductible features for Medical Insurance in Malaysia Recent medical inflation trends affecting hike in medical premiums Medical insurance premium savings
May 2023: So this is what happened. Admitted to Pantai. Cause? Acute gastroenteritis due to food poisoning. No big deal really but doctor did abdominal CT scan + endoscope on me. I'd lying if
So you have been holding on a medical since 5 years ago or even longer? And you recently got triggered that your annual limit might not be sufficient going forward? But, you
Finally, we have client who came to us to review and restructure his insurance policies dating from 3 decades ago. 4 of the policies are savings plan, bought in the
You've enjoying a very comprehensive medical insurance coverage by your employer for quite some time. But recently somebody or some event triggered you that can be insufficient You have no intention
This is a breakthrough solution from a Malaysian insurer - now there is a product which covers your hospitalization and surgical procedures internationally without geographical restrictions. Coverage up to USD
Come July 2019, following new ILP guideline/ruling from BNM, most insurers in Malaysia took this opportunity to revise their product offerings. Personally, I only focus on what I think is the
Here's the story Some time ago, a new prospective client did his own research comparing the cost (premiums) of medical cards. He found out that there's a different medical card product range,
It used to be just 36 Critical Illnesses aka Dreaded Diseases. Then the coverage evolved to include Early Critical Illnesses, which some insurers packaged them as 60 or 70+ Critical Illness
Do you agree, when you purchase an ins policy, you expect to keep it for the next 30-50 years but you just hope we won't have to use it. The crux
Have you really scrutinized your medical card - the number of days per year of hospitalization it covers? Yes, they varies from one insurer to another. And more than that, there's this
I think this insurer really made a breakthrough in Malaysian health insurance market by offering an electronic version of its medical card which can be bought online without any insurance
I think this insurance company is blatantly trying to blindside people for its medical insurance products. Here's why. Let me ask you, if you an insurer, offering a medical card with no
If you don't know that already, once you are diagnosed with diabetes, all insurers will reject your medical insurance application. In fact, there's no point submitting an application in the
You may have watched the video below but in case you have NOT, watch it first to get a background of what this is about. Of course, as a subscriber, you
OK, here's the thing - it is not everyday or even every month where insurance companies updates their range of medical cards aka health insurance aka hospitalization & surgical policies. No,
This table compare all available Allianz medical card options and configurations, with indicative annual premium for a 35 & 50 years old Male/Non-smoker/Occupation Class 1 & 2. Room & board (R&B)
This table compare all available AIA medical card options and configurations, with indicative annual premium for a 35 & 50 years old Male/Non-smoker/Occupation Class 1 & 2. Room & board (R&B)
Prudential products are known for its premium prices, so when we hear that a PruValueMed can be bought at only RM 1,200 per year, I got to check out more. Turns
Allianz updated its Medisafe Xtra medical card as highlighted here before in 2015 – a few notches above its previous revision. Among the highlights: No lifetime limitWhat used to be lifetime limit now
This standalone medical card has 1 main feature unheard of in the market - a comprehensive annual health screening and cancer marker tests. And plus some other features as well
Back in July 2015, Allianz Life updated its flagship medical card - SEE HERE again if you cannot recall. What I didn't include then was a full presentation of the features
Allianz Medisafe (new) Medical card is getting more and more competitive nowadays.  Allianz, known for its rich features and low costs, revised its previously EUMCR card to Medisafe, with a few added
As mentioned previously, Prudential came out with a competitive new medical card in the market – PruValueMed. Here is the full 93 pages presentation on the product. Another feature to highlight is
Prudential came out with a competitive new medical card in the market - PruValueMed. Here are 2 major excellent features worth mentioning: Virtually no annual limit by designRe-term Lifetime limit to what
Allianz has long been the only player in the niche of deductible medical card - the "no-strings-attached" type. Previously, we have covered Great Eastern's deductible medical rider; provided a corresponding
If you are a parent, you care for the well-being of your child, especially before 3 years old - whereby frequent, unanticipated visits to the hospital is a common occurrence.
Summary of this video Upgrade existing medical card - worth it? What is the high Annual Limit & No Lifetime Limit as claimed? The Annual Limit is 10 times the Deductible Amount which
Summary of this video Improvement to Great Eastern's Smart Medic medical card product line The option to remove co-insurance and co-payment clause A deductible feature which "removes" the annual limit of the medic
Summary of this video What problems this may cause you in the future? What does it mean by separate outpatient lifetime limit for kidney condition and cancer? Which insurance company medic card has
Summary of this video How Premium Paid and Insurance Charges Move over the years What Happens when Insurance Charges > Annual Premium What is the probability your policy will lapse How to Mitigate this
Summary of this video How you are paying for redundant things in your policy... ...and how you save money and triple your protection by policy restructuring See me restructure a policy LIVE by