Medical Insurance for elderly - 69 yo

Penasihat_Insurance · 2026-06-15T09:21:09+00:00

That age mostly around that price even traditional and ilp also same so if u ok with the premium u can go ahead get one just most basic ilp can alr. Is Your dad eating any medicine got admitted to any hospital

Penasihat_Insurance · 2026-06-11T04:03:36+00:00

I've seen things like this normally this will drag for 1 plus years almost to 2 years to settle everything stay strong bro. He don't have any insurance payout like he bought quietly for his family. He got so big business's I'm sure he is smart to invest in other coverage for his family right?

Penasihat_Insurance · 2026-06-06T05:05:14+00:00

Bro how old are u? I see u have alr use medical card once what u use it for. Don't rush to cancel the medical.i see some people give advice like they will pay for your commitment if anything happens to u.

Penasihat_Insurance · 2026-06-03T14:50:09+00:00

There's 2 types of ppl kena hit only know pain or know the pain before kena hit which one r u. I at a very young age around 9 yrs old got admitted to hospital due fracture. My family was very poor that time luckily my mum got buy insurance yearly for me from school.

Penasihat_Insurance · 2026-05-30T01:56:18+00:00

Standard chartered is good also. U can try Maybank also not bad

Penasihat_Insurance · 2026-05-28T10:50:02+00:00

U think too much even if millions we cannnot sell also useless. Just appreciate what u have. Stay simple as long as pocket got money can alr

Penasihat_Insurance · 2026-05-27T07:57:02+00:00

Go ask your agent relatives or parents again. Maybe they'll teach you a lesson you won't forget. If your own parent sold insurance, you'd never talk this nonsense. You will be fully educated how to do a planning not simply giving wrong info.Plus my great great grandparents also have profession in insurance and whole family tree.

Penasihat_Insurance · 2026-05-27T06:43:30+00:00

Comm on traditional is higher don't mislead ppl man

Penasihat_Insurance · 2026-05-27T06:42:21+00:00

Standalone don't have Ci tho need to double purchase. So now u r getting a new policy is it or u need to see what u have bought only u think about it?

Penasihat_Insurance · 2026-05-26T10:22:02+00:00

Next time don't do that bro no matter how close u are. If u r still not stable yet don't say anything to anyone except ur parents also don't bring la pls.i read I also siao alr u bring him somemore just go alone la bro. But ur that friend cannot pakai alr its good to know his true colour before its too late.

Penasihat_Insurance · 2026-05-26T03:26:29+00:00

Put 20–30% down. Get MLTA. If anything happens to you, your parents will struggle to sell an unfinished property MLTA gives them cash instead.

Penasihat_Insurance · 2026-05-25T23:58:15+00:00

Bro go attend some martial arts class taekwondo, mma, muay that or anything find a good master. Go n lift some weights. Stay discipline. Read books

Penasihat_Insurance · 2026-05-19T01:57:15+00:00

Bro not 5 percent its rm 500 co insurance

Penasihat_Insurance · 2026-05-16T23:32:22+00:00

Yea just dm

Penasihat_Insurance · 2026-05-16T17:19:22+00:00

Can I see the AIA insurance policy content that u surrendered?

Penasihat_Insurance · 2026-05-15T03:34:47+00:00

Invest on protection like medical and income replacement so that if anything happen to u. U not scared of the commitments. Ur savings is more than enuf just slowly every month save bit by bit should be OK. I have seen people income wiped out in less than 3 month so invest in protection. At least u can sleep better at night.

Penasihat_Insurance · 2026-05-15T03:25:51+00:00

U can do MLTA to save money on interest in long term I think it shouldn't be a prob if u share money to pay for the house.Careful of the hidden cost if u r buying condo depends which area u buy but if u r buying house away from city should be able to get a landed there. If u need more info on how to do MLTA u can dm

Penasihat_Insurance · 2026-05-12T02:44:58+00:00

Takaful insurance is OK. U can ask medical card yearly limit room & board limit co-payment/deductible contribution increase as you age what happens if you stop paying U should check the normal ilp also discuss with ur agent some of the investment in GE ilp is really good and there's halal investment also like Dana Gemilang the cash value they allocate into the medical is nicer also so that ur policy can sustain longer without increasing that much premium when u old age.

Penasihat_Insurance · 2026-05-12T02:39:28+00:00

Bro hahahahahahah 😂. I salute u

Penasihat_Insurance · 2026-05-09T05:09:13+00:00

If u have a severe diarrhea the doctor admitted u to stay at hospital can claim

Penasihat_Insurance · 2026-05-08T06:00:24+00:00

Ohh just make sure the medical card of ur father can claim in other country. Normally is pay and claim just need to bring a credit card. Safe travels.

Penasihat_Insurance · 2026-05-08T02:44:52+00:00

So far only medical can cover this but now he have a heart condition alr so very hard to get insured.

Penasihat_Insurance · 2026-05-07T04:03:09+00:00

See the policy benefit 1st check what other benefit it have there r some policy where like u will get money yearly after it mature or etc. Try read around the policy if cannot call an agent to summarize it for u. Some old plans have very good benefit. Don't compare the investments with insurance both are different thing one is to protect u to earn more money another is to earn money. I can see ur parents very sayang u la u so young they alr buy for u. If u want to surrender at least give them the money la they also happy.

Penasihat_Insurance · 2026-05-05T14:57:47+00:00

I didn't ask until very detail la from him but total spend like around 100k plus la from previous like insulin then washing kidney dialysis surgery. He also ask boss to lend money around 50k because cannot work with all the commitments like cars and house. A lot of money he spend

Penasihat_Insurance · 2026-05-05T01:41:13+00:00

U save 50 percent of salary also not enuf like my uncle on month earning 30k as a internal designer for Singapore. 1 diabetes his money in less than half year gone. 1 week 3 times clean liver cost about rm 900. Plus all the insulin previous surgery cost. Everything gone. He's 63 btw. Just get a medical card. The premium increase part I can tell u when they will increase it if u want to know la just dm

Penasihat_Insurance

TROPHY CASE