hi echoesian, for Critical Illness cash benefit (or payout benefit), so long you bought a plan that covers "Critical Illness Payout Benefit" then yea, all companies have this benefit. Unless you are referring to plan that covers specifically during pregnancy (baby still in the womb till born), then at the moment only AIA, Great Eastern and Prudential have it.
hi teridoz23, you can opt for something better (assuming Premium is 475/month)

Up to 70yo
Life:255k
CI:250k
PA:120k
Minor Injuries:2000 per accident
Payor:36 illness or TPD beared by insurance company
Hospitalization income:150/day
Medical Card Coverage:1mil/year and no lifetime limit
Cancer/Kidney= subject to medical limit and no lifetime limit
R&B:150
Co-insurance:no co-insurance and no deductible

rm475/month

Hope it helps.

im planning to get insurance just for medical card purposes
what i have in mind is GE vs AIA
GE 1 month rm300 till 90 yo
where as AIA rm 250 till 80 yo
the perks looks almost the same
any recommendation from others?

Newer plans can cover early Critical Illness.

Next you need to know is how much is the payout % for early, intermediate and severe stage.

Hi seancl85, some insurance companies covers 39 (AIA, Manulife), 45 (GE), 43 (Prudential) and 36 (Allianz). For early stages, then need to have additional critical illness rider that covers early stages.

This is a Public Service Announcement:

With the new regulations implemented last year in regards to the sustainability of the policy, agents should also indicate the coverage term for the plan they are quoting.

As we all know premiums and riders will affect the sustainability of the plan.

If you do not indicate the coverage term, at least mention “Premium starts from”.

To the layman, the coverage term should form part of your consideration.

Best,
Jiansheng