Thinking of getting myself a medical + CI insurance. So far I'm leaning towards Prudential.

Me:

Turning 25 end of this year;
Male;
Working in banking;
Non-smoker.

If any agents here can give me a quote and give me advice it'll be amazing. Been looking at PruMillionMed + Total Multi Crisis Care. And optional Payor Basic + Protect Booster.

My concerns/needs:

1) Must have long term coverage, preferably up to 80-100.
2) Preferably with hospitalisation income;
3) Preferably without deductibles / excess / co-insurance;
4) Preferably without annual limit;
5) Preferably allows multiple claims;
6) Preferably allows claim if re-diagnosed with the same or other critical illness;
7) Reasonable cap on increase in premium;
8) Must have payout upon TPD / death.

These are the things that I feel like I should take note of. But if there are things that I should be aware of, please do let me know.

Genuinely looking to buy.

This post has been edited by ioB: Jun 7 2021, 12:10 AM