International medical card

This is an offshore insurance products, for medical coverage worldwide (>90 days stay outside Malaysia) Download Product brochure HERE Download Table of Benefits HERE Download Table of Premiums HERE

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Inpatient Hospitalization – how itemized medical bill looks like

This is a medical case which I could share with you – a 3 y old child who had emergency admission into private hospital on a weekend. Reason was – bleeding on forehead after a fall @ home which requires stitches. RM 6000 – this is how much a 2 days stay in a private…

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(Updated) Allianz Medisafe Xtra medical card

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 and comparison vs other companies. And there is this thing called Medisafe Extra – which covers reasonable and customary charges for medical expenses incurred…

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The pitfalls of insurance due to customer negligence #2

The story below comes from my FB timeline – a case relating to AIA Singapore. Click to enlarge.  

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The pitfalls of insurance due to customer negligence #1

The link below contains true story of a lady in her 20’s having colon cancer, which is pretty uncommon as this condition normally affect males and normally not as young. Battle against colon cancer – Symptoms and miracle cure Battle against colon cancer – Insurance and colostomy bag challenges

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How to use a specific unit trust to hedge against Ringgit Devaluation

  Password for the pdf = poweroverwhelming

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Do you need a 1 million ringgit life insurance?

While a million ringgit lifetime limit for a medical is logical for now and future, the same cannot be said for life insurance. You might or might not need it. Some of the reasons you might need it: Mortgage loans of over 1 mil Legacy while setting up a private trust/declaration of trust Child education…

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Do you need a million ringgit medical plan?

I always advocate an annual limit of RM 100k minimumly and a lifetime limit of RM 1 mil. Although very few customers questioned me on it, I can tell you it is not a figure I plucked from the sky. It is for today’s needs and beyond…(meaning, inflation proof it to a certain extent), without…

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New medical card from Allianz (July 2015)

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 features: Highlights of Benefits at a glance: Add in Dengue fever outpatient coverage Outpatient coverage to include consultation, exam tests and take home drugs…

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Zurich on board (new)

Zurich, since 2 months ago, opened up its distribution channel for independent financial advisers. So that means, one more product providers for IFA like myself. Here is the full 133 pages presentation on the Zurich products; the one I am particularly interested in is its medic card called Flex Medical. Highlights of Benefits at a glance:…

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