Is Allianz insurance good?

the projected investment return rate ?

There is nothing to do with medical card.

Its only "Projected" and nothing guaranteed.

Even its put projected investment return is 100%/year you believe?

Prudential PRUflexi Med
1. Cancer Treatment / Kidney dialysis is "As Charged". "As charged" means it is claimable up to the annual/lifetime limit. Do note that new policy contract for all insurance company for Cancer treatment & Kidney dialysis does not include "Take home drugs, Long term medication & Consultation Charges".

This is the reason why whenever an agent comes to review your old contract, you as the consumer should be wary on whether the agent is doing an upgrade (maintain on the same policy number) or give you a new plan. In short, know what you are changing!

2. With an annual limit of RM 200K, the Lifetime limit is RM 4M - do note that whenever an insurance company is giving high cover, it is putting itself at bigger risk. With bigger risk comes bigger responsibility, hence the insurance charges is higher, especially at older age.

3. PRUflexi med has the option to add in RM300 deductible or Zero Deductible. RM 300 Deductible means whenever there is an admission, the client will only need to pay RM 300 and Prudential will pay up to the annual limit/lifetime limit. If the client choose Zero Deductible, the client does not need anything.

However, do note that during admission, the client is required to pay a small deposit RM300-RM500 (depending on the hospital that you go). Upon discharge, the client can claim back the deposit minus the deductible RM300 or Zero deductible.

Of course in comparison RM 300 deductible has a higher insurance charges as compared to Zero Deductible (full claim) because in the event of a hospitalization the insurer has to fork out more.

4. Surcharge, if you stay in a higher room, you only need to pay the variance of the room. If you stay at a lower room, then Prudential will reimburse back the variance. For example if your plan is RM 300/day Room, and you stay at a RM 200/day room, Prudential will reimburse back RM 100/day.

5. Cost of insurance, need to refer to quotation :-)

In summary, there are few things you need to know when shopping for an insurance policy:-

When looking at medical card, make sure the card is guaranteed renewal.

Always remember that whenever there is something good being offered from the insurance company, YOU ARE THE ONE THAT PAYS FOR IT! Nothing is free!

For example, No Claim Bonus (NCB) - if you compare plans that pays you NCB the insurance charges will be higher as the cost of insurance is being built in to the product.

The main purpose you buy insurance is NEVER HOPE TO BE ABLE TO CLAIM FROM IT WHEN YOU ARE HEALTHY.

Questions? Please ask. Tenkiu 

Dear agent,

May I know eithe4 doing MRI can claim from medical card or not?