I am currently on SM from GE and I been approached for Allianz Powerlink. Both are ILP's.

I found that for 15 ringgit more, i am able to enjoy higher Death Benefits, Higher Critical Illness, Same accident benefits , same room and board and same amount of life time coverage .


The plus point i noticed from Allianz, is there
1)no co-insurance , GE has a 10% capped at 5000,
2)the Critical Illness payout is independent from the DB, in GE is it from the same pool as I understand.
3)They also cover for outpatient dialysis and cancer treatment meanwhile GE doesn't if i am not mistaken and
4)10 year more in coverage upto 90 years old , while GE is up to 80.
5) More panel hospitals compared to GE
6) No annual limit

The cons
1) No hospital daily cash allowance
2) No Smart Assist

I have been paying the GE policy for sometime, 5 years already , is there anything I should consider if i plan to switch to Allianz? Appreciate the help given.

The agent that proposed to me mentioned the Allianz plan is at fix rate. Means i pay the same premium life time.

Ya its normal to be charged for medical report fee though for some Insurance company they will reimburse the medical report up to certain amount . Normally around 50 to 80 if there is.