Hi Guys. Just need your good input on this deal package from Prudential for age 44

RM203/sebulan
➡️Manfaat kematian/TPD - RM10k
➡️Medical limit- RM200k/setahun, unlimited/seumur hidup (*smartsaver300)
➡️Room & board - RM200/hari
➡️ limit Cancer, buah pinggang, jantung - RM400k/setahun
➡️Outpatient chemo, radiotherapy, dialisis - RM1juta/seumur hidup
➡️Emergency outpatient accident - RM2000/setahun
➡️Elaun gov hospital- RM100/day
➡️Income protector - RM2k/setahun
*smartsaver300- bil hospital tk cover hanya RM300. cth total bil RM10k, insuran cover RM9.7k, client byr sendiri RM300
*income protector- jika terkena salah satu dari 43 jenis sakit kritikal, antaranya cancer, setiap tahun akn dpt cash RM2k

Good deal or pass ?

Till age 70 and have surrender value / maturity value

Not sure have to think properly bleeding for every month

Anything related to insurance is never a good investment. It's a huge gamble. Good to have. Kalau takde also ok. They will try their best to avoid to compensate you when the time comes. Macam2 shitty alasan. Happened to my parents

Pure Medical Protector Card