Anyone familiar with Great Eastern Investment Link - Smart Protect Essential 2 which includes:
1) Smart Medic Xtra SMX150 which gives a 90k Annual Limit, No lifetime limit

plus

2) Smart Extender which gives RM900k Annual Limit, No lifetime limit.

According to the agent, the Smart Extender has a 90k deductible which actually uses from the Smart Medic Xtra annual limit. Meaning you actually get RM990k Annual Limit with No Life Time Limit.

Room rate is only RM150, but the premium per month is only around RM270 which is really cheap for a RM990k annual limit with no life time limit.
Includes premium waiver and early CI payout.

My current policy with AIA is catered more to investment side but only gives RM120k annual limit with no life time limit, no premium waiver and no early CI. Premium per month is also around RM270.

This post has been edited by Lego Warfare: Jul 4 2017, 04:54 PM

This was exactly written in the brochure/proposal generated:

Smart Medic Xtra SMX150
22) Overall Lifetime Limit for Items (1) to (18) (Based on paid amount) No limit

Smart Extender
19) Overall Lifetime Limit No limit.

I read through the disclosure and ToC but didn't see any mention of a lifetime limit?

Yes, my AIA has higher cash value compared to the Great Eastern one but I'm quite amazed on the premium charged for nearly 1mil sum insured annual limit with NO life time limit. Usually I've seen 1mil life time limit with no annual limit, but not the other way around. So wanted to check if there are any hidden ToC that anyone knows?

TNC for the lifetime limit. As the agent kept saying nearly RM 1mil annual limit with no lifetime limit, it sounds too good to be true.

Which package? 90 + 900? That's cheap considering your age. I'm 32 and she quoted my RM270 with early CI and waiver...

990k annual limit, no life time limit, early CI, premium waver, almost no sub-limit for RM270 per month with cash savings. I look at the whole package and the price. Do you know any other packages better than that?

I'm not asking for the cheapest, i'm asking if there is any better package than that for the same price. If the whole package is the same for company A and B without any other compromises, but the pricing for A is cheaper then of course that would be considered better.