What do you mean by this, MaxWealth?

Gathering your inputs here. Which would you prefer for medical insurance, and why?

Assuming the following factors are similar and static:
1) Basic sum assured
2) Monthly premium price
3) Lifetime Limit (RM1.5 mil)
4) Room & Board RM400

[Option 1]
Annual Limit: None
Co-insurance: 10% as charged
INPATIENT - min RM300 / max RM1,000
OUTPATIENT - max RM2,000
if exceed annual RM150,000, both IN & OUT max becomes None

No Claims Bonus RM500/year into your Cash Value


[Option 2]
Annual Limit: RM200,000 to increase 10% every 3 years if no claims
Co-insurance: 10% as charged
INPATIENT - min None / max RM500
OUTPATIENT - max None

+1% Additional Sum Assured annually irregardless of claims

I'm not selling..! What gave you that impression?

The in and outpatient limits were referring to the co-insurance max and min. Both options do cover outpatient treatments.

That being said, no max limit of the 10% co-insurance for outpatient would then mean higher payments on your side. I hope this makes sense.

Lifetime limit has been stated at point #3

Lets keep this simple and put it as ALL outpatient ya. Including dialysis and cancer. If we add too much variables here it would be too much! Then we discuss until cows come home hehe

So which would you choose venven? Or are you professionally biased therefore unable to put in your choice?