just back from talking with Prudential agent (a friend), he recommended a quite decent coverage with premium of RM1k/month.
finallly now i have a reason to use Aeon Watami card:
new insurance policy.
seeking some suggestion: would it be best to pay the premium on quarterly or monthly basis...using Watami card?
Monthly premium payment:My plan is to get the card first (~2 weeks), then get the insurance (another 2 weeks). hope the 1st premium charge is within 1st month of watami card too, so that i can sync the RM3k/quarter spending.
I need to pay extra RM1x3 months for bill payment from M2U -> Aeon.
Quarterly premium payment:Basically no need to worry if the particular quarter has hit RM3k, cuz once the premium kicked in, it'll automatically entitle me the 3% cashback.
I only need to pay RM1 for bill payment.
any suggestions?

much thanks!
did your prudential agent friend calculated the price difference of the premium based on annually/quarterly/monthly? some insurance company charges 7% higher than the annual amount if you choose to pay quarterly or monthly.