For celcom

[attachmentid=7108220]

[attachmentid=7108217]

For maxis

[attachmentid=7108223]

Basically both have to pay

Maxis has % rate to pay, but celcom is fixed price

From what I see, if you swap your iphone in first 6 month, maxis is more worth it if your iphone cost less than rm3667, more than that celcom is better

But if you lost it after a year, you pay less for replacement if you take celcom since maxis doesn't care how many month you are paying the insurance, the amount you need to pay is 50% of your device rrp