Dear,

My condolences.

Yes you are covered. Doesnt mean that your father is diagnose with cancer, you will have exclusion from cancer coverage. Best way is to submit to an insurance company and wait for their underwriting reply.

Dear,

Many insurance company offers stand alone medical card. In fact medical card coverage is very common in insurance coverage. What coverage are you looking at?

Dear,

Yes what every you have signed, you will get a copy of it in the policy given to you.

Dear,

Great Eastern medical plan offering RM990k, RM1.32 mill, RM1.76mill annual limit, no lifetime limit.

What other coverage are you exploring?

Dear,

Its hard to give you a quote because insurance is usually customized and depends very much on your age. More information needed in order to recommend.

Age, occupation, coverage, riders, needed in order to recommend.

Dear,

1. Usually company's coverage is very low in terms of limit. What if that person decides to move on to another company? Coverage from company to company differs. Only look for a personal medical plan once you retire? A bit too late on that...

2. The usual policy that has 36 CI coverage do come with a Death coverage. The insurance co will pay out what ever is insured in the Death coverage part.

3. Within 7 years, it will go under the distribution act. 50% will go to the parents, 25% will go to the spouse and 25% will go to the children. Else our beloved gomen takes it!

You really need to learn to use the Quote button

Yup, is my mistake to put on trust on a person that I shall not believe.

My current Prudential insurance plan:

Monthly premium: RM670
Room & Board: RM400/day
Hospitalisation income: RM200/day (normal), RM400/day (ICU)
Pre Hospitalisation: 30 days
Post hospitalisation: 90 days
ICU: 30 days
Annual limit: RM150,000
Lifetime limit: RM1.5mil
Death/critical illness benefit: RM350,000
Outpatient cancer & dialysis treatment: as charged but subject to overall lifetime limit
Medical cover until age 80
Death benefit until age 100
Co insurance 10% (min RM300, max RM1,000)
Surgical procedure benefit up to RM10,000 per procedure

Updated Prudential plan:

Monthly premium: RM870
Room & Board: RM200/day
Hospitalisation income: RM200/day (normal), RM400/day (ICU)
Pre Hospitalisation: 30 days
Post hospitalisation: 90 days
ICU: 30 days
Annual limit: None
Lifetime limit: RM1.5mil
Death/TPD benefit: RM350,000
Critical illness benefit: RM350,000
Outpatient cancer & dialysis treatment: as charged but subject to overall lifetime limit
Medical cover until age 100
Death benefit until age 100
Co insurance RM300 flat rate.
Surgical procedure benefit up to RM10,000 per procedure

Proposed AIA Plan

Monthly premium: RM800
Room & Board: RM150/day
Hospitalisation income: RM250/day (normal), RM750/day (ICU)
Pre Hospitalisation: 60 days
Post hospitalisation: 120 days
ICU: 120 days
Annual limit: RM1.0mil
Lifetime limit: None
Death/TPD benefit: RM400,000
Critical illness benefit: RM350,000
Outpatient cancer & dialysis treatment: RM750,000 (per lifetime)
Organ / Bone Marrow transplant: as charged subject to reasonable charges up to annual limit
Medical cover until age 100
Death benefit until age 100
TPD benefit until age 70
No co-insurance.

Seriously considering the AIA option. Any thoughts?

This post has been edited by cybermaster98: Apr 28 2016, 08:57 AM

I can't comment much without first establishing what coverage you need based on your financial standing. Unless u can provide me some info

This post has been edited by lifebalance: Apr 27 2016, 04:40 PM

Updated Prudential vs new AIA

Sorry just saw ur update post,

"I can't comment much without first establishing what coverage you need based on your financial standing. Unless u can provide me some info"

The coverage indicated above is fine. So am comparing the benefits, T&C's and investment returns, etc.

returns will be quite subjective, as I'm not the agent proposing the plan so I can't really determine on that, it will affect you in terms of how long your policy will last.

My opinion only on medical protection based on your post.
1. Room and board is too low, ain't enough to cover single room in most famous private hospital. What's the maximum
stays?
2. Panel hospital?
3. Hospitalisation income, what's their requirement to claim that?
4. How many days can a doctor visit per day?
5. Can you asked them to quote separately just medical for comparison, then CI+Life in another quote .

1. Should be fine as the room and board will increase 100% in 10 year time
2. AIA panel hospital coverage is wide enough
3. As long as you're required to stay in the hospital per day.
4. 2 times per day until 240 days. Additional 2 more time if ICU
5. Doesn't make sense to separate the quote. The cost incur is higher. This idea doesn't make sense.

1. 10 yr increase 100%, if being claimed before 10 yrs, does it still apply?
2. Too brief.. sounds like saying something means nothing
3. So is that means start counting from 1st day patient admitted? Is in claimable for private n government hospital?
5. There r different. Absolutely doesnt make sense to u because customer request.

1. Increases by 20% every 2 years up to maximum 100% and until 10 years. In between if got claim then reset and restart on that %. E.g 40% to 60% in between the 2 year got claim then reset to 40% and have to wait 2 years again to reach 60%.
2. I don't think the client has to worry as we will reveal to him our panel.
3. As long as there is a physician visit then it will be deducted. Otherwise if no doctor visit then there is no deduction. Applies to both
5. Nope you're wrong. Separating the quote would incur higher cost due to extra administrative fees (Rm5-6) per month x 2 if you have 2 separately policies. Meaning you are double charged in administration for the same benefit. Either your premium is higher or your cash value is lesser.

This post has been edited by lifebalance: Apr 27 2016, 09:43 PM

1. If the r&b increase, will the insurance charges also increase?
2. Must reveal before purchased any.
5. No need to argue on this..just quote it and let customer decide. Admin fees are charged based on %.

1. No increase
2. Like I said he's the client.
5. Wrong again. It's not on %, I've already put the cost involved in the last post which is rm5-6 per month. If it's on %, everyone's policy would have lapsed by now.