Buy together with investment link are better, in terms of agent's profit margin. But for you, you may get something, like this year they target to make rm10 billion net profit from your money, even if they already rm9.99 billion also they will declare lost. So you won't get any return from that policy.
rm3000 per annum are wasting most of the agent's time, so is right for that AIA agent and your Etiqa friend did by not entertaining you.
BTW, medical card they are only making few % commission, so you do the maths.

Under private hospitals, when you show the medical card, cost will raise by 20-30% on the spot. But if you pay cash, it will be cheaper.
So, you have to know the room rates before buying any insurance, else better you stay in government hospitals.

If buying insurance are straight forward, then insurance company's each year net profit won't strike new high.

Are you sure only GE will do like this only
As far as I know, there's only 1 company that never state this, which is Carboost company

[quote=leonard73,May 29 2014, 11:00 AM]
c) There is a small death/tpd protection and projected cash return of RM32k+ but consider this as your bonus only. Want to invest, do it in an investment account.



[/quote]

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?

[/quote]
For the hospitals you stated, rm200 only entitle you to sleep at their basement parking

Do you really want all the agents that looking for water fish here openly admit to you that their company are cheating

All the insurance companies are still nego with BNM to strike off medical coverage, so sooner or later your medical card may be as light as your hair

If you can get 1, by that time your 2 legs are straight already.

Ever heard of Genneva
This is what GE are doing, launch new policies and dump old policies. This is another reason why I dump all insurance. Is not our money getting smaller, is the policy's value depreciate by it self every year

When I bought GE, 2 Prudential agents approached me and said GE can void an insurance policy at any 1 time at their discretion while Prudential won't simply void. Even if Prudential void, I'm still covered as I'm covered based on the hard copy policy. So quickly I changed it.
After a year, then another Prudential approached me and keep on discriminating 1st agent's way of selling policies. My medical coverage are very low and he can change it for me. So my medical card's coverage increased.
When I want to do a small operation and apply to claim it, stated on the policy I can claim. But to my surprise, I can't claim unless I lost that part due to severe infection.
So at the end of day, paid close to rm12000 and I can't enjoy any benefit from it and I have to pay rm6000 by my own.
And a policy will depreciate by its own and not like you said. Room rates are higher over the years and the medical card can't cover full amount. Like for a rm200 monthly package, room rate only cover rm150. Just a simple private hospital's 4 bed sharing already rm250 just the bedthis year vs last year of rm220. Food are counted differently.

Already happen to my wife before on this, so is a fact that all insurance agents will try to deny

Pay by cash and see how they charge. Even if the room rate never change, consultation fees also they will charge more. As long as you used 1 time medical card, the rate already different from you pay by cash.
All this info are discussed by my wife and her room mate when she was admitted.

Same doctor with same sickness.
And my wife got extra service compare to her room mate, she always got sms from the doctor, on offering new checkup package.

She had medical card before that's getting sms.
Now we cancel already no more sms from that doctor, expected from a person that's heart is animal.