It occurs to me, all these extended warranty programs...
I would think after 18 months, Samsung would stop production, and perhaps keep parts for maybe another 12 months.

If you have a problem at that time, and Harvey/Senheng says they warranty it, how will they honor? Is there a clause that allows them to swap a unit for you AT MARKET PRICE OF THAT TIME (ie RM300 max?)or give you a new phone of EQUIVALENT PURCHASE PRICE (ie RM2299)?

I know in insurance they give you back some credit or cash of the then-market value, which basically sucks.... Anyone in the know of the fine print of extended warranties?