Hai, would like to ask if im 27 non smoker class 3 occupation looking to buy mlta with rm 200 monthly how much coverage I can get?? Cause now only have extra rm 200 to use on insurance. Izzit true that now life coverage insurance buy direct from company without agent will be cheaper??

This post has been edited by leelee1988: Feb 13 2014, 11:45 PM

prudential vs GE

need some help here.

Mine case 6 years ago my parents brought me a prudential medical card

-death/tpd rm50k
-36CI rm50k
-annual limit 62k
-lifetime limit 187k
-room bed 150
-plus few other raiders
-Around rm 200plus monthly

recently check back feel like the life time limits not sufficient and feel like want to upgrade mine medical card. Therefore get quote from prudential and GE agent.

prudential quote
co insurance
upgrade to annual and lifetime limit to 1m
just add rm155
monthly total will be around rm400


GE quote
no co insurance
-life 100k
-tpd 100k
-36ci 100k
-room bed 200 increase 10% every 3 years
-annual limit 1.3m
-[SIZE=7]LIFETIME UNLIMITED[/SIZE]
-monthly rm 400 plus as well

Which one should i take? prudential or ge?

i personally will prefer ge plan due to the LIFETIME UNLIMITED and no co insurance

what i plan to do is take up GE plan and cancel the prudential medical card after 6 months just remain the life insurance. Am i doing the correct action? any better advise what should i do with the old prudential medical card keep it ? or can just cancel it?

cause prudential the medical card if u purchase few years back the lifetime limits only x3
if purchase now x10 or x20

so what is the benefit for older prudential medical card holder? paying same amount as new medical card holder but getting less lifetime limit.


as for GE

after read back the forumer comment in GE there are alot of complaints when come to claim part from GE company. How true is it?

should i stick with prudential with slightly expensive premium for less sum assured and lifetime limits for more faster claiming process

or

try ge for a much better plan cheaper price but risking in the claiming part in future?

thanks

This post has been edited by leelee1988: Dec 12 2014, 03:39 AM