Clarifications
Medical Card (Standalone) (RM 144.73)
How much is the APMR amount? Lump sum amount if admitted into ICU
How often does AIA revise their premium payment amount?
How much increase in revised premium amount?
Unable to withdraw or get money back unlike the investment linked one?
Only medical? -> No Death, TPD, Critical Illness payout
Throughout my lifetime, I will pay RM 1.26 million? See TOTAL in table at the right
I pay RM500 every time I get admitted right? Then after that, insurance will cover
Investment Linked (RM 150 & RM 291.67)
Alternative 1 & 2 -> What is the total amount difference (premium) & coverage? Pg. 4
% ROI for Scenario X & Y? Scenario X: 2%, Scenario Y: 5%
Where does the balance of % allocated premium go to from Year 3 onwards?
RM10K (OPTION 1)/RM100k (OPTION 2) each for Death/TPD/Critical Illness? Compounded?
On top of RM10k/RM100k, there is medical insurance of RM1.5 mln per year? -> Under Cost of Insurance?
Both investments funds have high risk tolerance
Costs: Insurance + Others + Fund Management
Premiums constant until age 70? Premium can change due to:
1) No money left in pool from lots of claims How does AIA assess this? AIA statement too
2) Underperforming funds vague. Any historical data of revisions based on age
3) Medical inflation group
Fund Management Fee so low?
How is AIA making money from this? Total insurance premium + Others + Fund Mgmt fees is much lesser than Medical Card?
After 70, monthly deductions will still be made but from the account value (not monthly premiums)? How much is this up till a
Years Monthly Premium (RM) Yearly Premium (RM) Total Premium (RM)
Current
44 150.00 1,800.00 79,200.00
Years Monthly Premium (RM) Yearly Premium (RM) Total Premium (RM)
Alternative 1
44 234.00 2,808.00 123,552.00
Years Monthly Premium (RM) Yearly Premium (RM) Total Premium (RM)
Alternative 2
74 220.00 2,640.00 195,360.00
Years Monthly Premium (RM) Yearly Premium (RM) Total Premium (RM)
Current
44 291.67 3,500.04 154,001.76
Years Monthly Premium (RM) Yearly Premium (RM) Total Premium (RM)
Alternative 1
44 455.67 5,468.04 240,593.76
Years Monthly Premium (RM) Yearly Premium (RM) Total Premium (RM)
Alternative 2
Alternative 2
74 452.67 5,432.04 401,970.96
Average Rate of Return (%)
2022
-7.60%
Pro
End of Allocated Premium(RM) (b) Cost of Insurance (RM) (c)
Policy
Year Preium Paid (RM) (a)
Basic
RM %
Policy
1 3,500 2,100 60% 149
2 3,500 2,100 60% 149
3 3,500 2,100 60% 149
4 3,500 2,800 80% 149
5 3,500 2,800 80% 149
6 3,500 2,800 80% 150
7 3,500 3,325 95% 150
8 3,500 3,325 95% 155
9 3,500 3,325 95% 159
10 3,500 3,500 100% 159
15 3,500 3,500 100% 159
20 3,500 3,500 100% 267
30 3,500 3,500 100% 692
40 - - 0% -
44 - - 0% -
Medical Card (Standalone)
Total Annual
Year
Premium (RM)
26 1,663.60
27 1,687.60
28 1,710.60
29 1,746.60
30 1,824.50
31 1,860.50
32 1,883.50
33 1,919.50
34 1,955.50
35 1,991.50
36 2,054.20
37 2,090.20
38 2,113.20
er Cost of Insurance? 39 2,152.20
40 2,232.90
41 2,416.50
42 2,500.50
ss this? AIA statement too 43 2,571.50
ata of revisions based on age 44 2,669.50
group 45 2,694.50
46 to 49 3,051.95
t fees is much lesser than Medical Card? 50 3,409.40
hly premiums)? How much is this up till age 100? 51 to 53 3,925.05
54 4,440.70
55 4,557.10
56 to 58 5,149.70
Current
59 5,742.30
RM 150 60 6,256.40
(Medical + 61 to 63 8,512.40
Alternative 1
Investment 64 10,768.40
Linked)
65 11,989.20
66 to 69 14,665.80
Alternative 2
70 17,342.40
71 to 74 19,737.90
75 22,133.40
Current
76 to 79 24,726.70
RM 291.67 80 27,320.00
(Medical + 81 to 84 30,748.00
Alternative 1
Investment 85 34,176.00
Linked)
86 to 89 36,882.50
90 39,589.00
Alternative 2
(Medical +
Investment
Linked)
Alternative 2
91 to 94 42,682.50
95 45,776.00
95 to 98 48,581.00
99 51,386.00
GRAND TOTAL
Average Rate of Return (%) 14.57%
2021 2020
7.93% 43.37%
Protection Account + Savings Account
Fund Management Non-Guaranteed
Cost of Insurance (RM) (c)
Charge (RM) (e) Account Value (RM) (g)
Other Sum
Anniversary
Charges Assured
Unit- Bonus
(RM) (d) Scenario X Scenario Y (RM) (f)
Deducting Scenario X (2%)
(2%) (5%)
Rider(s)
1,158 132 5 5 100,000 - 700
1,169 132 14 15 100,000 1,000 1,300
1,175 132 24 25 100,000 2,000 2,000
1,184 132 39 40 100,000 3,000 3,300
1,200 132 59 62 100,000 4,000 4,600
1,419 132 77 82 100,000 5,000 5,800
1,442 132 98 105 100,000 6,000 7,400
1,494 132 122 133 100,000 7,000 9,000
1,548 132 145 160 100,000 8,000 10,500
1,600 132 168 188 100,000 9,000 12,100
1,885 132 282 338 100,000 14,000 19,500
2,499 132 355 468 100,000 19,000 24,000
4,788 132 266 529 100,000 20,000 16,600
- - - - - - -
- - - - - - -
Monthly
Total (RM) % Increase
Premium (RM)
1,663.60 138.63 -
1,687.60 140.63 1.44%
1,710.60 142.55 1.36%
1,746.60 145.55 2.10%
1,824.50 152.04 4.46%
1,860.50 155.04 1.97%
1,883.50 156.96 1.24%
1,919.50 159.96 1.91%
1,955.50 162.96 1.88%
1,991.50 165.96 1.84%
2,054.20 171.18 3.15%
2,090.20 174.18 1.75%
2,113.20 176.10 1.10%
2,152.20 179.35 1.85%
2,232.90 186.08 3.75%
2,416.50 201.38 8.22%
2,500.50 208.38 3.48%
2,571.50 214.29 2.84%
2,669.50 222.46 3.81%
2,694.50 224.54 0.94%
12,207.80 254.33 13.27%
3,409.40 284.12 11.71%
11,775.15 327.09 15.12%
4,440.70 370.06 13.14%
4,557.10 379.76 2.62%
15,449.10 429.14 13.00%
5,742.30 478.53 11.51%
6,256.40 521.37 8.95%
25,537.20 709.37 36.06%
10,768.40 897.37 26.50%
11,989.20 999.10 11.34%
58,663.20 1,222.15 22.33%
17,342.40 1,445.20 18.25%
78,951.60 1,644.83 13.81%
22,133.40 1,844.45 12.14%
98,906.80 2,060.56 11.72%
27,320.00 2,276.67 10.49%
122,992.00 2,562.33 12.55%
34,176.00 2,848.00 11.15%
147,530.00 3,073.54 7.92%
39,589.00 3,299.08 7.34%
170,730.00 3,556.88 7.81%
45,776.00 3,814.67 7.25%
194,324.00 4,048.42 6.13%
51,386.00 4,282.17 5.77%
1,263,691.75
Average Rate of Return (%) 11.16%
2022 2021 2020 2019 2018
-12.77% 10.45% 11.97% 18.47% -18.02%
Non-Guaranteed Non-Guaranteed Insured
Total Commission (h)
Account Value (RM) (g) Death Benefits (RM) Age at
End of
Year
Scenario Y Scenario X
Scenario Y (5%) Scenario X (2%) RM % Short 35%
(5%) (2%)
700 100,700 100,700 1,400 40% 27 100% 656
1,400 102,300 102,400 1,400 40% 28 100% 636
2,100 104,000 104,100 875 25% 29 85% 620
3,500 106,300 106,500 875 25% 30 105% 1,296
4,900 108,600 108,900 525 15% 31 95% 1,260
6,200 110,800 111,200 525 15% 32 95% 1,022
8,000 113,400 114,000 - 0% 33 95% 1,503
9,800 116,000 116,800 - 0% 34 95% 1,422
11,600 118,500 119,600 - 0% 35 95% 1,341
13,600 121,100 122,600 - 0% 36 100% 1,441
23,600 133,500 137,600 - 0% 41 100% 1,042
32,000 143,000 151,000 - 0% 46 100% 247
34,700 136,600 154,700 - 0% 56 100% (2,378)
- - - - 0% 66 0% xxx
- - - - 0% 70 0% xxx
From Year 30, Cost of Insuran
2017 2016 2015 2014 2013
22.31% 3.37% 32.26% 7.78% 35.73%
Scenario Y Fund Value - Fund Value - Average
(5%) X (RM) Y (RM) (RM)
656 669.12 688.80 678.96
635 1,331.22 1,350.28 1,340.75
619 1,990.25 2,008.66 1,999.45
1,295 3,351.97 3,369.73 3,360.85
1,257 4,704.21 4,719.27 4,711.74
1,017 5,840.74 5,850.99 5,845.87
1,496 7,490.61 7,493.93 7,492.27
1,411 9,090.86 9,083.03 9,086.95
1,326 10,640.50 10,617.21 10,628.86
1,421 12,323.13 12,278.98 12,301.05
986 19,357.99 21,963.50 20,660.75
134 22,736.33 28,886.72 25,811.52
(2,641) 11,975.22 20,014.29
xxx
xxx
From Year 30, Cost of Insurance will be deducted from account value