Hi I am reviewing my medical plan and below are what I got:

Allianz - 79K Life, Medical 850K Annual Limit, No Life Limit. No CI waiver. Cost RM266.66 per month.
GEL - 12K Life, Basic Medical 90K Annual Limit, 900K Life Limit. Deductible Medical 90K, 900K Annual Limit, No Life Limit. With CI waiver. Cost RM210 per month.
Manulife - 10K Life, Basic Medical 150K Annual Limit, No Life Limit. Deductible Medical 150K, No Annual Limit (mean as long as within Life Limit), 850K Life Limit. No CI waiver. Cost RM216.66 per month.

Allianz looks good to me as it's a non-deductible plan with high annual limit and no life limit. And the premium doesn't really jerk up a lot with the benefits. But I always remember what u pay is what u get, I am afraid that I may overlook something or some drawback which I have yet to discover. Or could it be Allianz started with a much lower premium but increase drastically years later?

Can sifu sekalian help to provide some insights please?

Me too comparing Allianz and GE (and Manulife), I am still wondering despite Allianz non-deductible with high annual limit why the premium not so much different? I am more lean to Manulife because of the agent and I'hv existing medical plan there. But because of this non-deductible plan from Allianz make me undecided yet....

Do you want to share your finding?