Prudential - 10%, min RM300, max RM1000
GE - 10%, max RM500, 20% if exceed room limit
ING - no co-insurance
Allianz - no co-insurance
AIA - 10% max RM3000 if exceed free co-insurance amount

Normally those that without co-insurance 1 is already some how calculated inside the premium. So, it does not means that it will provide best value. It will depends on what you actually need.

And also hospital tends to charge more on those medical card that without co-insurance. This is because they know how much they charge you will not care(Cos as long as we no need to pay, its ok). So for those no co-insurance medical card holder, check your bill too and questions the hospital staff if it is charge higher than normal. Do not let the hospital to earn your money too much.

Your relative holding Prudential medical card? Maybe she have another rider of cash allowance that cover up the co-insurance already.

i think it's better to pay your premium half yearly or yearly coz there's a UT charger's everytime u buy units. about RM5. then if u pay monthly, it will be 60. if u pay yearly, it's only RM5 maa..

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Added on September 16, 2009, 7:38 am

checking cancer for one night, the bill are about 1-2k lor.. co-ins just 300. maybe the warded allowance covers it.

Normally those that without co-insurance 1 is already some how calculated inside the premium. So, it does not means that it will provide best value. It will depends on what you actually need.

And also hospital tends to charge more on those medical card that without co-insurance. This is because they know how much they charge you will not care(Cos as long as we no need to pay, its ok). So for those no co-insurance medical card holder, check your bill too and questions the hospital staff if it is charge higher than normal. Do not let the hospital to earn your money too much.

Your relative holding Prudential medical card? Maybe she have another rider of cash allowance that cover up the co-insurance already.