I am partly disagree with the insurance charges for option 1 is highest. I am not saying your statement is 100% wrong, but it is wrong if you are referring to term insurance. Anyhow nothing is certain, but you are right when you are referring to ILP products.

Does it stated in the policy for the tolerancy limits for the extra charges for the room to be covered?
Another question is, what or which private hospital I can stay with room & board rm200? Can I get a single room in prince court or Gleneagles & etc.? Can you state some for me or to others?

Good to clarify things. but insurance charges are not review by many agents, especially ILP agents. These agents only tell insurance premium.

Term insurance w co-in vs term insurance w no co-in, with full payment, does not means it will be higher.

Very true, does all agents will tell this to their clients as insurance charges will increase as their age grow. I believe most will say your insurace premium will not rise as your age grow and not like others will increase either yearly or every 5 years.

No doubt, insurance company need to make profit including agents too. Everything is good, everyone also wants it but who can provide everyone needs? So are you saying insurance is no good because not everything is good?
Insurance can be good with comprehensive coverage and reasonable charges, without giving too much commission and linked to investment to/by agents

Back to your early topic, so would I say that we can't compare the pricing of Co-in and not co-in with insurance charges being charged? or allowed to some extend only?

It seems that agent who said insurance company will pay for the differences for room rate but not showing any clause inside the policy are yet to answer.

For the room rate, luckily someone is helping him to answer, then my next question come, how long can this price sustain? If I am not wrong, medical cost increase yearly from 5-10% based on each individual hospital. So let's say it will increase yearly, or every 5 years ,so do I need to review my protection yearly or every 5 years?

What I know is, insurance company will pay according to whatever stated in the policy, and not paying whatever not stated in the policy.

How it works with no annual limits?

In my opinion, it might be pointless for examples below:-

1st case,
Room & board given = RM150/day
Annual limits given = RM 50k
Lifetime limits given = 150k

This package marketed in the 90's by some insurance company X, and many of them are still holding it up till today which is out of date in today market.

2nd case,
Room & board given = RM150/day
Annual limits given = RM125k
Lifetime limits given = 750k

This package also marketed in 2000, Room rate is below the hospital rate and only applicable to 2-3 person shared room in some states in Malaysia. Why insured person can't enjoy better benefits to what they paying? Normally, agents will say you are paying to what you pay. The funny thing to me is, if I'm not wrong, all agents who asked first how much a person can contribute monthly, right?

3rd case,
Room & board given =rm200/day
Annual limits given = 200k
Lifetime limits given = 1.5mils

This package was marketed in the market since few years back and up till today. Some even giving annual limits with 1mil or no annual limits. Room and board rate rm200 is not able to enjoy a single room in my state. Too bad I can't enjoy this benefits compare with other states. Why I straight out this as majority people going to share room in hospital and when no more shared room, they either need to upgraded to single room or others hospital. 2nd point is, why 200k annual limits? how much the cost of doing chemotherapy today? As we all know cancer is one of our major killer in Malaysia?3rd point is, over 1mil lifetime is good, but I would not lucky enough to enjoy such benefits if my chemo is 300k in a year. That's mean I have to pay the extra 100k and include co-in. If me, I would not use that card but to change to government hospital. And then my another question arise, in that situation, why I still want to buy this protection?

Can you provide :-
Room and board = RM400 and above
Annual limits = RM 1mil and above or no annual limits
Lifetime limits = RM 1mil and above.

If my age is 50 now, smoking and working as a branch manager, what would be my insurance premium or charges?

Very true, out of millions I would say up till today still haven't meet one yet. lol

I would say insurance is one of the general knowledge must know rather than blaming to agents or insurance company.

From my understanding,
There are withdrawing the old plan which your mother holding and provide or upgrade to a better plan. This also means that the old plan no longer fit in today market. At the same time, they are also inserting the price rise in it to looks better than just telling increase of charges.

What's the point of telling GE is the leading or the eldest or largest? I thought all insurance company being guaranteed by BNM. If yes, means all claims will be based on the contract. All claims do not violated the contract are claimable. How big a company doesnt mean it wont go down. Citybank US? lehman brothers? what's the guarantee? I just wondering...

Room & board rate won't simply because you show your medical card and any hospital will shown it on the reception counter or their website. Then if you allowed your wife medical card to be charged hire, it might means that you and your wife are ignorant about it.

I did use my medical card before but the bill never shown different rate or higher that stated on the room rate chart.

You are just being struck with bad lucks

Don't lock yourself up in a dark room, to be honest, I did meet 1 and thanks to him, I have a better knowledge what is insurance, how to avoid misleading information (sales tactics), how to choose the right package for myself including through this forum and how to avoid high insurance charges with better coverage but yet I am still learning as insurance changing from time to time. Don't be ignorant as you said.

Same doctor with same sickness? How we can be justify as each doctor have their own charges, same like servicing a benz and a proton car. I am not saying that you are wrong and I also believe there is a board of fees range charged per case. Example like lawyer, consultant, architect, doctor and others professional board.

Sounds like your wife is a good potential customer than those who use medical card.

Mnet, That are most common insurance agent attitude by acting hard which is try to cover their weaknesses, divert question they can't answer, others plan better than theirs and etc.