yeap, i did this claim before. GL with prudential with deductible card and deductible claim from employer's medical card by Allianz with no deductible

- Do note that doing so will also deplete the personal medical card's lifetime limit if they are still utilizing the old plan.

Can anyone explain why GE i-Great MediHarapan is ~RM1600 a year but PruBsn anugerahPlus is ~RM3132 a year (up to 70y/o) ?
Both is annual rm200K, covers cancer take home drugs and treatment

Must be something Im missing

Is the cash value the same, other than the other benefits like annual limit, coverage amount, room rate etc etc..
If all are the same, then??

Can anyone explain why GE i-Great MediHarapan is ~RM1600 a year but PruBsn anugerahPlus is ~RM3132 a year (up to 70y/o) ?
Both is annual rm200K, covers cancer take home drugs and treatment

Must be something Im missing

Can anyone explain why GE i-Great MediHarapan is ~RM1600 a year but PruBsn anugerahPlus is ~RM3132 a year (up to 70y/o) ?
Both is annual rm200K, covers cancer take home drugs and treatment

Must be something Im missing

Does life insurance cover death caused by covid19?
I know that medical insurance dont but I have not heard that life insurance will or will not so far.

hi zzzxtreme may i know how you get this RM3132 figure ?
This is because there are many add on under prubsn anugerah plus , the more add on you choose , for sure more expensive.
Different combination will generate different quotation pricing which of course have difference in terms of coverage compare GE mediharapan.
Riders includes crisis protector , income protector , medic booster , cancer protector , crisis shield , accidental protector plus , basic sum covered value and so on ....

where as GE i-Great MediHarapan is a fixed coverage medical plan , thats why they display insurance charges upfront on the brochure.

I asked two agents, both quoted similar amounts rm260x12
For prubsn, they added CI of rm10K, disability 20K, accidental death 30K (which I dont need), normal death 10K. Small amounts, but made the contribution become double of GE. Is that expected?

Attach both PDS/SI in here for reference.

I asked two agents, both quoted similar amounts rm260x12
For prubsn, they added CI of rm10K, disability 20K, accidental death 30K (which I dont need), normal death 10K. Small amounts, but made the contribution become double of GE. Is that expected?

Same same
So Im confused about the price difference

Thanks for the number! Got my wife to call, and the response is the same said that the policy is 3rd party, and forever cannot transfer. the only way is if the policy holder (my wife) passed away, only then can I request for the ownership to be transferred. How la like this. i don't trust it fully, coz later if really when passed away, then say still cannot transfer, meaning i will lose all the coverage..
My wife has call the customer service, and the person say cannot, coz 3rd party
We bought the policy under her name because she can claim tax, like i cannot coz i work in gig economy (and salary below requirement for tax)
Well, not the case with mine- tried but say cannot

Yes, the information given by the customer service is right. Your wife can't transfer the ownership back to you and she can't absolute assign the policy back to u as well If it’s a Takaful plan. Do find out what type of plan u r having now.

No worries, I have done a case like your situation. Policy owner passes on and inform company by submitting the necessary documents e.g: death certificate, sign a Statutory Declaration with CTC from commission of oath then successfully transfer back to life assured.

existing aia policy like investmentlink/termlife, does it automatically cover covid complication?

Depends on what kind of plan it is.

existing old product, at least 5yrs above

Sorry, no plan name, I won't be able to tell.

the investment link consists of:
ALL1 A-LifeLink
ADC1 A-Plus DisabilityCare
ACL1 A-Plus CriticalCare
APM1 A-Plus Med
AHE1 A-Plus HospIncomeExtra
AWE1 A-Plus WaiverEx (Basic)