takaful ikhlas is offering no annual limit and huge lifetime limit with their new plan
r&b rm200 with 1million lifetime limit
any comment in this package?

i'm thinking to switch from prubsn to takaful ikhlas
currently my r&b only rm100 with 50k annual and 150k lifetime limit
but i got cash allowance of rm150/day

please advice

which plan?

takaful ikhlas is offering no annual limit and huge lifetime limit with their new plan
r&b rm200 with 1million lifetime limit
any comment in this package?

i'm thinking to switch from prubsn to takaful ikhlas
currently my r&b only rm100 with 50k annual and 150k lifetime limit
but i got cash allowance of rm150/day

please advice

May I know which insurance can claim early stage of critical illness ?

Hi, I have a query on claims eligibility and need some input:

I have a whole life policy from GE (Multicare WL) with PA rider (Comprehensive Accident Benefits), which is still an active policy.

I had a fall recently and went to a specialist clinic to fix my knee. This 'event' should be considered as under PA coverage, yes?

Per the agent, she said GE will only pay if there is a medical leave advice (MC) from the doctor for 7 days. I do have the MC but it is for 4 days only. Can I still do the claim, will GE pay?

I was not aware of this type of condition/exclusion as this policy is now 20 years old.

Does Prulink's PA rider has this type of condition/exclusion as well? If not I might claim from Pru instead.

I do already have all the supporting docs (xray, ultrasound, doctors report, receipts, etc).
Thanks in advance.

May I know which insurance can claim early stage of critical illness ?

takaful ikhlas is offering no annual limit and huge lifetime limit with their new plan
r&b rm200 with 1million lifetime limit
any comment in this package?

i'm thinking to switch from prubsn to takaful ikhlas
currently my r&b only rm100 with 50k annual and 150k lifetime limit
but i got cash allowance of rm150/day

please advice

Why not consider AIA Public Takaful?
R&B 200
1.375mil annual limit with no lifetime limit.

Woudn't this be better?

You should be able to claim the medical bill under Comprehensive Accident Benefits rider.

What your agent are saying is actually weekly benefit, which is standard across the industry where you will be able to claim "MC" if it's more than 7 days as pocket money compensation.
Almost every companies are having Early Stage of Critical Illness, you may talk to your insurance agent to know more about it
It's always advisable to remain on your existing insurance company to avoid the waiting period. However, the market are having plenty of medical cards having annual limit as high as few millions and unlimited lifetime limit too.

takaful ikhlas is offering no annual limit and huge lifetime limit with their new plan
r&b rm200 with 1million lifetime limit
any comment in this package?

i'm thinking to switch from prubsn to takaful ikhlas
currently my r&b only rm100 with 50k annual and 150k lifetime limit
but i got cash allowance of rm150/day

please advice

your prubsn is with ILP? ask for upgrade or something? well, like someone said... aia takaful offering something better, although should be more expensive.

my prubsn is ILP
i wanna upgrade my medical card, but there will be a waiting period of 1month (so i wont have protection for 1month-very risky)

now i'm thinking to switch to another takaful...i have takaful ikhlas in my mind (ILP)-there is no annual limit/lifetime limit min 850k with just around rm150 monthly

aia takaful has annual limit

imho annual limit is more important than lifetime limit

I will leave the GE issue to other agent.

Please PM to me your PruLink PA rider policy coverage detail (snap a photo) so that I may advice on what can be claim.

You should be able to claim the medical bill under Comprehensive Accident Benefits rider.

What your agent are saying is actually weekly benefit, which is standard across the industry where you will be able to claim "MC" if it's more than 7 days as pocket money compensation.

er... if you don't mind me saying... why so worried about the 1 month? waiting period is only applicable to diseases. accidental hospitalisation is not subjected to waiting period. not having protection for 1 month... er... unless you are 90 years old, i won't call it 'very risky'.

usually in the case of upgrade (if i'm not mistaken), insurance company will honour your old medical... instead of your new one. check and understand the t&c

Thanks ExpZero, I can see what you mean from this "pocket expenses" in the CAB rider. Maybe she thought the 7 days minimum MC will also apply to claim the benefit.

Snapshot below from policy (#c and #d)

what if I had a heart attack within that 1month period? i consider it very risky to live without protection even for 1day

i have double confirm with my agent..insurance wont honor my medical card...need to w8 for 1month in case og upgrade

Can you take previous and next page?

In order to claim for accidental medical reimbursement (If there is any), your date of accident and the date of receipt(as known as the date of you visiting the clinic) must be within 24 hours. Do let me go through your claim form before submitting to Great Eastern.
I'm not sure about Prudential BSN. Under Great Eastern and Great Eastern Takaful, if you are upgrading your medical card, we are having Conditional Waiting Period of 1 month.

Conditional Waiting Period which means you still can claim for any disease/illness within the waiting period but the benefit will fall back to the previous card's benefit. After 1 month, all the medical benefit will follow the new one.

thanks for the info bro
i also wonder...if my agent give me false info about the waiting period for upgrading
it doesn't make sense actually

any prubsn agent can verify this?

thanks for the info bro
i also wonder...if my agent give me false info about the waiting period for upgrading
it doesn't make sense actually

any prubsn agent can verify this?

thanks for the info bro
i also wonder...if my agent give me false info about the waiting period for upgrading
it doesn't make sense actually

any prubsn agent can verify this?

As a general rule:
Any "upgrade" is really just purchasing a new policy.
Therefore the general waiting period of 3+1 months applies, unless expressly stated otherwise by the company.

I hope this clears the air and personally I would really question the agent with the 1-month waiting period.