To match your budget, the best way is :

1. add-on the medical card into your current GE plan (Should be within RM50)
2. Get a new plan with lowest sum assured and with Early Payout Critical Illness for C.I (Plan should be between RM 100-120 depends the waiver rider term years)


If you interested to know more PM me for detail

Good day.

Start from 1 Jan 2012, the GE C.I Plan will provide Angioplasty & Other Invasive Treatments for Major Coronary Artery Disease
(Note: 1. Only 10% of sum assured is payable, subject to a max of RM25,000 per life across all distribution channel )

Last time this will normally available at Early payout C.I Plan(please refer to attach brochure).

the new guideline also revised the waiting period of certain Covered Events from 60 days to 30 days.

You can find the detail on the attachment.

Hope this help. Good day.

 Smart_Early_Payout_CriticalCare__Eng_.pdf ( 984.29k ) Number of downloads: 40

I think one of the key point is to get a professional & knowledgeable agent rather that a staying near by agent.

I do have some clients from other states and we normally communicate through phone or email easily. Nowadays, to increase the efficiency of our field peoples, most of our claims and proposals can be submitted either by hand or online and send in the original for filing/verification later.

Even an agent from outstation sometime also need to send certain important claim documents to HQ for approval.They will also rely on online tracking system and customer service to do the follow up.

Normally in an insurance company, they will have a few sales groups/alliances.Those alliance will set up their own sales team in different area/state.Sometime, we will ask the help from our group member near by the client to assist them if need to solve the issue urgently.

Please don't feel offended, Just some sharing.

Good Day