Dear Sifus,

I need your expert opinions on my proposed plan.


a. R&B RM150/Daily

b. ICU (Daily up to 180 days) As charged based on AL & LL

c. Hosp. supplies and services, surgical fees, op theathre, anaesthetic etc - As charged

d. Govt daily cash (120 days) RM50/daily

e. Emergency accident outpatient treatment RM3k/pa

f. Outpatient cancer/kidney treatment - As charged

g. Intraocular - Max Rm2k lifetime

Overall AL RM990k
Increase AL (NCB) RM9k
Overall LL RM900 + SE: Unlimited

Natural Death - RM80k
Accident Death - RM90k
36 Critical - RM40k
TPD - RM80k

Waiver until age 99: TPD/36 critical

Is this normal for RM200/month? I smoke (5 cigs per day), no family/genetic related diseases, earning >RM30k pa, 27 yo. No alcohol/drugs. Really appreciate it if you can voice your expert takes on this. Just wanting to hear second opinions.




Thank you in advance.

Yep I still have questions about this. Meeting with my agent this friday. Thanks for mentioning.

Tq 4 ur feedback

This post has been edited by Mark Renton: Apr 7 2016, 01:51 AM

Hi Sifus,

Need some explanation on this:


R&B 250 + 70,000 MME


So R&B is 250 per day if I understand this correctly? And what is MME stands for?

Insurance company is Great Eastern. This is for my annual company insurance coverage.


Attached thumbnail(s)