Lowyat.NET: Latest topics by raph

Critical Illness Insurance

raph — Mon, 21 Jun 2021 21:52:49 +0800

To help you cope with the financial challenges of a critical illness and enable you to benefit from early treatment, we introduce you the Beyond Critical Care Plan.

Key benefits:

1. Comprehensive coverage - up to 180 Critical illness events
2. 100% claim even for early stage.
3. Optional to add extra cover for advance stage.
4. Guaranteed maturity benefit.
5. Compassionate benefit due to death
6. Personal medical case service.
7. Recovery support in term of medications, consultations, follow-up and rehab

EXTRA! - Keep yourself healthy and active and then receive following:
1. Health screening every 2 year - up to RM600 in value.
2. Yearly cash bonus up to 20% of premium paid

FAQ:
1. Entry age - between 16 and 60 years old.
2. Coverage period - max 80 years old.
3. Minimum coverage - RM20,000
4. Premium rate - level all the way.

Premium? Please provide:
1. D.O.B
2. Occupation
3. Smoking/vaping status.

e-Medical card: everything in app

raph — Mon, 21 Jun 2021 21:12:16 +0800

Are you looking for long term medical care for you and your family?
If the answer is yes, you may find below plan suits your need well.

Key benefits:
1. Unlimited lifetime limit.
2. High annual limit
3. Up to 39 type of day procedure benefit covered.
4. Option for deductible to lower the premium
5. Coverage up to age 100.
6. e-medical card
7. No Deposit especially platinum panel
8. Priority counter
10. mobile app.

For quotation please give me your age of last birthday and occupation.

Deductible Medical Card with No lifetime limt

raph — Fri, 25 Aug 2017 17:42:31 +0800

Hi,

I want to share new Medical plan from Great Eastern General called EasiMED Major. As per thread title, this is deductible medical plan which some of it's features:

- Affordable premium.
- Overall annual limit up to RM200,000
- Unlimited lifetime limit
- Optional benefit at additional premium
- Renewal up to age 100
- No co-insurance if you do not stay higher than eligible benefit.

So, what are the optional benefit:

- Hospital cash plan: RM100 daily up to 100 days
- Accidental Death Benefit: Lump sum payment of RM30,000

More benefit:

- No claim renewal bonus: 10% on annual limit (exclude hospital cash plan and accidental benefit). Up to 5 years or max 50%
- Loyalty discount: 15% discount on gross premium if you are covered by any Great Eastern General individual health plan
- Family discount: 10% discount on total gross premium for family with minimum 3 or more family members under one policy.

So to whom this plan suitable for:
- Those who already cover by company but the coverage very little like RM15,000 - RM20,000 per annum.
- Those who already have individual medical plan but the plan is very old already.
- Those who can afford medical bills up to RM10,000 but don't want to spend more.

For table of benefit and premium, you can download it from the attachment.

As usual, you can ask me here or private message me for more details on how to sign up.

Thanks

Family Personal Accident

raph — Wed, 06 May 2015 19:03:36 +0800

Get an affordably priced coverage and income protection plan for 10years with disability allowance.

- Accident Living Benefit: RM200,000
- Accident Death Benefit: RM100,000
- Medical Reimbursement Benefit: RM8,000
- Disability Allowance (owner only): RM12,000 per year for 10 years
- Payor Benefit

Annual Premium for above coverage:
- Self & Children: RM545.50
- Self & Spouse: RM602
- Whole Family: 789.50

* unlimited children
** price quoted above are before GST and stamp duty.

If interested, kindly PM me.

Stand alone Medical Card

raph — Tue, 12 Nov 2013 18:12:52 +0800

Are you looking for long term medical care for you and your family?
If the answer is yes, you may find below plan suits your need well.

Key benefits:
1. Unlimited lifetime limit.
2. High annual limit
3. Up to 33 type of day procedure benefit covered.
4. No co-insurance.
5. Coverage up to age 100.
6. Swipe facility
7. No Deposit
8. Priority counter
9. Can be purchased as individual, family, with spouse, and with children.
10. mobile app.

For quotation please give me your age of last birthday and occupation.

*Children up to 4 persons only.

WTS: Stand Alone Critical Illness Plan

raph — Mon, 24 Sep 2012 22:22:13 +0800

To help you cope with the financial challenges of a critical illness and enable you to benefit from early treatment, we introduce you the Early Critical Illness Plan.

Key benefits:

1. Comprehensive coverage - up to 95 Critical illness events
2. Early payout with 3 severity levels: 30%, 60% and 100%
3. Pay additional 20% on Diabetic Related Disease
4. No waiting period between claim.
5. Premium/COI based on remaining SA after claim

Overview:
1. Entry age: 4weeks - 60 years old
2. Minimum Sum Assured: RM5000
3. Max sum assured: RM250,000
4. Coverage term: Age 85 or maturity of basic policy.

Claim mechanism:

First claim:
- Paid at relevent severity level:
1. 30% at low severity - 70% of SA preserved
2. 60% at medium severity - 40% of SA preserved
3. 100% at high severity - Policy terminates

Subsequent claim:
- condition unrelated to/different Critical illness category from the earlier claim: benefit is paid at the relevent severity level, subject to SA balance.
- condition related to/same Critical illness category from earlier claim: benefit reduced by previous benefit for related condtions/same Criticall illness category, subject to SA balance.

Critical Illness events and definition: [attachmentid=3066885]

Premium rate per RM1000 sum assured:

Male non smoker:
10yo - RM5.76
20yo - RM7.94
30yo - RM13.77
40yo - RM24.61

Female non smoker:
10yo - RM4.85
20yo - RM6.96
30yo - RM11.79
40yo- RM19.81

Premium example:
Male, age 30, non smoker, standard live, sum assured desired RM50,000
RM13.77 x 50 = RM688.50 per year.

If you want to know your quotation please provide me:
1. D.O.B
2. smoking status
3. Occupation.

Thanks and have a good day.

Thanks

WTS: Stand Alone Medical Card

raph — Mon, 11 Apr 2011 15:35:39 +0800

Are you looking for long term medical care for you and your family?
If the answer is yes, you may find below plan suits your need well.

Key benefits:
1. Unlimited lifetime limit.
2. High annual limit
3. Up to 33 type of day procedure benefit covered.
4. high amount of free co-insurance.
5. No co-insurance for organs transplant.
6. coverage for congenital and inherited disease after 17years old.

Attachments:

ECP+MCP Table of Benefit: [attachmentid=2155384]
ECP+MCP Premium schedule: [attachmentid=2155385]
AIA Panel Hospitlas: [attachmentid=2155386]
AIA Day Procedure Centers: [attachmentid=2155387]
List of Day Procedure covered: [attachmentid=2155389]

Example of premium rate:
Male, 30 years old, smoking, standard life: RM490.50 per year.

To get a quote, please provide me information as follows:
1) Name
2) D.O.B
3) Smoking status
4) Occupation

This long-term medical plan can be extended to cover:
1) insured and spouse
2) insured and children
3) whole family

My 1st ever blog

raph — Wed, 23 Dec 2009 01:32:16 +0800

Hello guys,

i just started my own blog and now need you guys comment on it.

http://protectandgrowyourwealth.wordpress.com/

actually i quite disappointed with wordpress, but its ok just give it a run.
may i know how can i change my domain name since i think it is too long.

thanks in advance

[addedon]December 24, 2009, 1:43 pm[/addedon]anybody? no one had used wordpress before?

[addedon]April 18, 2010, 6:03 pm[/addedon]hi guys,

move my blog to blogspot http://carahidup-baru.blogspot.com

hope we can exchange link...

thanks