At a glance, you have:
Life/TPD: 90k
Critical Illness: 80k
Room and Board: RM250 per day
Hospitalisation Cash: RM200 per day
Both plans come with waiver which means, in the event of TPD or critical illness, you don’t have to service both policies.

Please take note that Prudential medical insurance comes with co-insurance which means you need to pay RM300 for each hospital visit.

Personally, I think the coverage you have is sufficient if you do not have housing loan. If you have housing loan, I would propose plans which boost your life and critical illness insurance to cover the loan amount you have so that the debt would not pass on to your family if anything happen to you.

As for your agent, I only advise clients to change insurance company whose agents is no longer in service or the client simply do not like to work with their agents. So it’s dependent on you.

Hi Piza.always, I'm sorry to hear that your agent is no longer in service. It's quite a common occurrence in this industry that many new agents stopped halfway so clients nowadays have to really make sure that their agents are committed to do this career for long term.

As for your question on which is the best insurance, there is no insurance company which is better than another. The best insurance is the insurance which is tailor made to you as different people has different standards of living and needs.

Just like banks, Maybank/CIMB/Public Bank, are they clearly better than another? I would say the only difference here is the level of service they provide, in this case, it's the agent who is serving you.

Hi anwa,

1. I would propose that you get individual insurance for your wife and daughter if your budget allows. If I'm not mistaken, the family medical plan follows the proposer, in this case, if you bought the family plan and one day if you passed away, your wife and daughter will lose the medical protection as well.

2.Since you already have a investment linked medical card for yourself, you should continue to service it. It would be much much more expensive if you get a medical card for yourself at this age to get the same benefits. You can consider to upgrade the annual limit or add a second medical card.

3. There is no company which is better. The only difference is the agent who is designing the policy for you and committed to serve you for lifetime.

4. Medical inflation in Malaysia is really high which is about 10% a year so it is common across all insurance companies to increase premium from time to time. Also, it depends on the sustainability of the policy which your agent designed for you 4 years ago.