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.

Monthly premium: RM870
Room & Board: RM200/day
Hospitalisation income: RM200/day
Annual limit: None
Lifetime limit: RM1.5mil
Death/TPD benefit: RM350,000
Critical illness benefit: RM350,000
Medical cover until age 100
Death benefit until age 100

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. 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 %.

Dear,
Doesnt make sense that, Annual limit: None, Lifetime limit: RM1.5mil!!!

Can a person purchase fire insurance on behalf? example is tenant call the insurance provider and wanna buy for the owner. Can ar? Or must be the owner who contact the insurance provider?

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?

It does make sense.

This means that if you make a super high claim of RM1.5mil in the first year, then u have reached your policy limit already.

Dear,

Yes exactly, meaning yearly limit is 1.5 mil as mention instead of no limit!!!

sorry le I'm not into product selling. I'm more of a consultant. You should ask those that like to compare the products but end of the day become undecided.

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.

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?

Wow, you still haven't answered my question on the medical cards.
Someone sounds like a hypocrite and it's fine when you yourself tryna market your own products?

No that's not correct. There is a difference.

There is no annual limit so if you hit your overall limit of RM1.5 mil in the first 3 years (for example) then your policy coverage lapses.

What you're saying is that I'm obligated to answer your question ?
Since you insist to ask me to recommend a medical card, I feel that AIA medical card is quite good.
Don't agree ? Get another opinion since you're asking for a recommendation. Hope it answers ur question.

Dear,

No annual limit
Lifetime 1.5 mil

Whats the annual limit then? If 1.6 mil in a year can claim?

You have answered your own question. You should be aware that both are not stand alone criterias. They are linked. There is no annual limit but it also needs to match the overall lifetime limit.

If you cost is RM 1.6mil, you are still limited by the lifetime limit. So your actual claim is limited to RM1.5mil only.

Refer back to my post and see the difference between the new Prudential plan vs the AIA plan.

Dear,

I totally understand. I want to point out that no annual limit, then there is a life time limit is misleading! No annual limit means unlimited annually! But there is a life time limit! Meaning annually its limited to the maximum of a lifetime limit! Which in this case its 1.5mil, 1.5 mil it self is a limit, how can there not be limit?

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

Dear,

The general terms of "NONE" is "NO" therefore the general understanding of none annual limit is NO ANNUAL LIMIT.

In this case Annual limit should be "Annual limit: Lifetime limit" or "Annual limit: 1.5 mil (same as lifetime limit)" and not ""NONE"

Please alter if there is any typo else the above is a misleading quotation!