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 Insurance Talk V6!, Everything about Insurance

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Walzor P
post Aug 25 2020, 04:05 PM

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Hi, i am deciding between AIA A Life Link 2 vs Prudential PruWithYou, can someone assist on which to opt with??

AIA A Life Link 2 Plan: (80 yrs)

A-LifeLink 2 (ALL 2@80)
A-Plus Disability Care (APDC)

Rider(s)
A-Plus Health (APH@80)
A-Plus Early CriticalCare (APECC)
A-Plus AccidentShield (APAS)
Riot and Civil Commotion (RCC) on APAS (APAS/RCC)
A-Plus Venus (APV)

Premium: RM360 P/M


VS


Prudential PruWithYou (Basic) Plan: (80yrs)

Total Multi Crisis Care 51 100,000
Acci Guard Plus 41 100,000
Acci Med Plus 41 10,000
PRUMillion Med

Premium: RM410 P/M

So, why is Prudential more expensive with less coverage in terms of riders?? is it better to go with AIA?
Walzor P
post Aug 25 2020, 04:39 PM

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QUOTE(lifebalance @ Aug 25 2020, 04:12 PM)
What is the amount covered for AIA benefits?

Pru covers multi CI vs AIA covers early CI but not multiple CI.

What's the R&B for Pru?

What's the age of this person? Smoker? Occupation?

@.@ so many missing details
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both 100k sum assured

r&b for both is rm200

age - 28, non smoker, office job

what are your thoughts?? better to go with wich one?
Walzor P
post Aug 26 2020, 11:48 AM

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QUOTE(Cyclopes @ Aug 25 2020, 09:15 PM)
Given your young age you may want to consider APVX for APV.
Maybe you want to review if all your riders are still needed? This may help to reduce the premium.
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May I ask, what is APVX for APV? Also, which riders do you think is not needed?

appreciate it, thanks smile.gif
Walzor P
post Aug 26 2020, 11:56 AM

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QUOTE(lifebalance @ Aug 25 2020, 04:56 PM)
AIA would have a more comprehensive coverage overall since it also includes Female disease coverage (I'm assuming you're a female since it can only be sold to females).

On top of that there is an early CI coverage. Though you have to take note the payout is 30% / 60% / 100% ratio (Low, Mild, Severe) CI.

For the claimable conditions, you may refer to the policy later on. You will get to enjoy Health Wallet from the medical card benefit as well under Plan 200.

For Pru wise, main difference would be the CI benefit which can be claimable multiple times. But that's about it.

Lastly, as for whether the insurance plan you are buying suits your needs or not (the sum covered and benefit rider that you're adding now now). Will not be able to comment on that since I don't know you personally to advise on that.
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Hi Keith, appreciate your reply! Helps a lot! thumbup.gif

Yes, I am a female seeking to upgrade my insurance plan. Also, I want to ask why does AIA CI only cover 39 illnesses? while PRU covers more (45, if not wrong?) Does the extras have a difference?

From your professional stand point, you mentioned that the MAIN DIFFERENCE lies in the CI claimable payout, does it matter if its 30/60/100 ration vs multiple times???

So, all in all, which would you recommend to go with? Given the 2 plans that I've inputted, yet I am still unsure.
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