AXA eMedic..

Costs me RM148/month for family of 4..

Package includes Rm100,000/year hospitalisation limit for each individual.

RM250/day room-rates. Means I can afford a single suite at all the private hospitals.

Same list of health coverage as AIA/Prudential.

overseas Brunei, & SG temporary travel coverage.

etc.

For similar family package at other companies, it will cost me 1000rm a month.. and neither of the main insurance companies have a family package..

no brainer for me really..

Not to completely intervene in you choice of insurance platform. Somehow, I suggest you to read the policy.

There are difference between full coverage & reimbursement insurance.

Most online insurance package provide only for reimbursement - which means pay first later claim up to certain amount.

I am not insurance agent, but I've been into a lot of insurance package from different company/agent. I strongly believe the insurance that having a consultant are the legit one. Make sure consultant know your needs and policy is clear accordingly.

That is simply not true.. Axa eMedic is 100% fully covered and paid for by the insurance company directly. As long as you visit their panel hospitals, which is basically all major hospitals through-out Malaysia, you don't have to pay anything if you are admitted.. Which is exactly the same as other insurance..
Read my reply.. he is providing mis-information..
Not true.. he is providing mis-information..

understandable that costs increase. But, even my prudential agent hasn't informed me of necessary increases, in the 10 years I was with him...

Maybe they just have too many clients by now..

anyways, my thinking is quite simple.. Just get the most coverage that you can afford.

Is yours one of those investment linked type insurance? I thought they promised will not increased price?