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Terence
Insurance Premium Not Guaranteed?
Is it normal for insurance covering Critical Illness to come w non-fixed premium payment?
Do you mean that the premium can be increased by the company? Then the answere is yes. Critical illness fallls under the category of health insurance and premiums can be increased on a class basis, which means everyone with the same policy gets the same increase. They can not single you out for an increase as an individual.
derek
Yes
They would need approval from the state commissioner, but it is possible for the premiums to increase.
Do a little research and find out how many times they have raised rates on policyholders. You also should do some research on the financial strength of the insurance company.
malaysiainsuranceguide
Yes.
In Malaysia, the insurance companies reseves the right to revise the non-fixed premium (non-guaranteed) Critical Illness premium rate after the policy has been in force for 5 years.
Each premium revision (if any) will be capped at a maximum of 20% of the existing Critical Illness premium. The revision of Critical Illness premium should be justified by the portfolio experience of the insurer.
Dr Dee
Depends on the initial insurance policy. It could be broken up into quarterly payments or monthly payments, or however you have negotiated with the insurance company.
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