I would like to seek opinion.

I have 2 medical cards now. 1 is from Prudential and the other 1 is from Great Eastern.

I would like to cancel 1 of the cards but not sure which one to cancel as both cards have the advantages and disadvantages as followings:

[[B]Prudential - Advantage[/B][/B]
1. Pay 100% of the bills

Prudential - Disadvantage1. There are exclusion clauses on my previous illnesses


Great Eastern - Advantage
1. No exclusion clause

Great Eastern - Disadvantage
1. It is co-takaful, hence I need to pay some small portion (max RM1000) everytime I use the card.


The coverage is about the same for both cards.

I have used Prudential Medical Card many years ago and had no problem in making claims.

Although there is no exclusion clause in Great Eastern Medical Card, I am worry if I would encounter any problem in making claims in future.

I would appreciate if very much if someone knowledgeable out there could give me a good advice on which card to keep.

Thank you so much in advance.