If i remember correctly it is quite cheap. I think less than RM20.

I agree with this very much. Medical card is not ATM card nor credit card. Nobody can use medical card to pay off their housing loans and car loans when they lose the ability to work hence no more income to pay off those loans.

Imagine a person suffers kidney failure. Yes, his medical card will pay for his kidney washing expenses in hospital, but because he lost the ability to work due to his kidney failure hence he has no income to pay for his outstanding car loans. If he has 36 CI protection, he can get the lump sum compensation thereby paying off all outstanding loans without giving troubles to his wife and his children.

Hence for thorough and comprehensive health/medical insurance, 36CI + medical card is recommended. And these plans are not expensive.

Exactly. All ILP premium will first go to the cost of the basic plan and rider(s), then the remaining money will be used to invest in whatever funds that you have chosen. The result of the investment then becomes Cash Value or Surrender Value.

In terms of product? Pricing? to answer this maybe you can get a Manulife quote then we can help you to analyse.

In terms of product i reckon they are mostly the same. But pricing i.e. insurance charges could differ. If the insurance charges is high then you are not getting much cash value.

Any Manulife agents here who can help BlackPen?

Laughing Gor's GF buy manulife? then i believe she has the Manulife agent contact.

I am Joseph from Great Eastern. Full time agent in KL/Klang Valley.

Pursued diploma in Mechanical Engineering in Inti College for 2 years, then obtained scholarship (Golden Jubilee Scholarshp offered by UNSW) to further my degree studies in the University of New South Wales (UNSW) in Sydney Australia for 2 years. Graduated with First Class Honours Degree.

Been working as an Engineer in Samsung before becoming an insurance agent.

Recently i did a policy review for a client who owns Manulife insurance policy.
For your info, their critical illness only cover 35 whereas most big companies cover 36 critical illness. Maybe because that was an old Manulife policy. It was a 2007 policy.
Perhaps their new one should have.

Note: if the MRI scan is done within 60 days before hospitalisation and/or 90 days after hospital discharge, it is also claimable.

Some insurance companies medical card might have shorter/longer period than this hence the coverage is less/more, so you need to check the benefit page.