Hi,

I'm in dilemma to choose which company give the best medical card(in term of coverage), death benefits, 36 critical illness and etc.

Please share your experience to help me decide which one i should enroll.

What i heard from the agent is Etiqa require you to pay 10% or max 3K of your hospital expenses, but not for Prudential as they cover 100%.

Etiqa got 50K max claim(in one year) that u claim from their medical card, but i dont heard any restriction from Prudential BSN.

Etiqa have good saving scheme where they have death claim, accident claim and etc. But not from Prudential.

Please help to clear my doubt.

Thanks in advance

I'll like to correct some of the infomation given . . . anyway i think you need to find out more details from both ur agent on etiqa & Prudential products as to benefit from it . . .

"What i heard from the agent is Etiqa require you to pay 10% or max 3K of your hospital expenses, but not for Prudential as they cover 100%."

Prudential BSN Takaful for the hopital expenses or we call it a medical card . . . have the 10% core insurans as well, but you only pay the minimum RM300 & maximum RM1000/ 10% in case of any claims accur

"Etiqa have good saving scheme where they have death claim, accident claim and etc. But not from Prudential."

Infact for Prudential BSN Takaful, its a form of investment-link product & have a very good (ROI) return of investment for the past few years. . . . it's depends on your risk tolerance/comfort zone either you prefer a higher return than EquityFund will be suitable while on the other hand if you are a more conservetive type of person why not got for BondFund .

This post has been edited by Colaboy: Mar 28 2008, 12:38 PM

btw dis 2 I probably pick Prudential. If open up the choices, I probably pick ING .... for medical card.

I like to have medical plan seperate on its own and do not disturb my other life+tpd+pa+criticallIlness plan, which I pay RM 1 for every RM 200 protection.

I don't really know how Etiqa takaful works but i'm aware of how PBT works as i'm taking PBT and at the same time agent for it.....

in PBT u will also have to pay 10% for hospital exp but up to a max of RM1000......

PBT too have RM50k per year and a total of RM150k for MMC100.....MMC100 means that it is the cheapest medical card......PBT has MMC100, MMC200, MMC300 and MMC400.......if u choose MMC200 n above, u will have a bigger limit of hospital claims per year and in total....of coz u will have to pay more......

PBT also have accidental death claims n many more.....basically,most takaful co offer the same product......

but I think PBT can yield me a better return in long term run.......

If u need more info bout PBT, just PM me and we can arrange for a meeting.....u will get a better picture if i explain face to face with u......


regards,
daniel

saya ada ambil insuran BSN Prudential.bulan-bulan bayar rm 100 sahaja.lepas ada kad medik.protection sehingga rm 150k.

itu rm 100 merupakan sebagai saving juga.nanti jika mau kahwin atau mau gunakan wang boleh ambi dari itu saving.

ada satu lagi insuran saya lupa nama dia tapi dia punya medik kad mau bayar dulu rm 300 sekali dalam setahun.kiranya ia berlainan dengan BSN-Prudential(bayar rm 100 dapat itu medic card sekali)

saya rekemen ini orang Janice-0122281193..saya daftar sama dia.

saya simpanan tak banyak,lagipun bapa saya ada kencing manis.jadi saya terpaksa ada insuran dari sekarang.sekurang-kurangnya beban ibu bapa boleh berkurangan.

Anyone here who likes to know more about etiqa takaful can always pm me for more details. I'm free to spread good news.

I have one advice for every consumer when you want to buy medical card. You MUST make sure that the medical cards offered by them have the renewability feature. For details, please read my blog titled IS IT TRUE THAT EVERY MEDICAL CARD IN MALAYSIA HAS RENEWABILITY FEATURE?.

I am not promoting my blog here. I just want to share some information that is very important to you and me.

yeah... at the same time, ING medical card do not require co-insurance.

i use pru-bsn.

since it is takaful, they should use new fund from new members and no back-up or main funds from parent company such as prudential or maybank right (of course initial start up capital/fund excluded). This is to maintain the "halal" status, right? So in terms of fund size, i guess Pru-BSN is bigger as they have started longer? Can anybody clarify this?

why not try for Takaful Ikhlas ......... also cover for 36 critical illness & good return for savings. also, can buy Medical card separately so your savings portion is bigger.

This post has been edited by bob: Apr 2 2009, 10:42 AM

Hi all,

If you are looking for medical cards, I can only recommend the following 3 companies because these have the highest limit in the market which shall be useful in the future as medical cost is on the rising hand.

1. Allianz
2. Prudential - not Prudential Takaful
3. Great Eastern

Above 3 only Allianz does not incure a co-insurance.

rgds and happy shopping

Still need more information before deciding. So, what is the most important for starters? Medical Card or PA?

Get a comprehensive type that covers
1. Death & TPD
2. 36 Illness
3. Hospital & Surgery (Medical card)

PA, get from general insurance. Very cheap and premium doesn't increase with age.

I think the most basic plans we should have is:

i) Medical Card.
ii) Personal Accident.
iii) 36 Critical Illnesses.

medical card will always be the 1st priority and followed by 36 critical illness.
the rest will depend on your financial burden and stage of your life.

My 2 cents worth:

Most standalone medical cards for example ING does not[U] 'Guarantee Renewal' and that is a very dangerous situation where we should never allow ourselves to fall into it. Because if your medical card doesnt guarantee renewability then chances are it will not accept your renewal after a claim has been made. To add salt onto wound, the chances of getting another insurer will also be very slim because of certain claims history.

Ask clearly if Etiqa or Pru has this feature.

Also to look into is the maximum capped amount for out-patient treatment especially for kidney dialysis, radio and chemotherapy. Most cards only offer up to certain amount like 15k to 20k the most. It is also a situation where the insured doesnt want to be at. Please take note.

Co-insurance thinggy still exists in certain 'more conventional' policy where the insured has to pay up to a certain amount during claims. Read T&A with care.

I switch to Allianz from ING and AIA previously and never looked back. If you need more info, you can send me a pm.

Yes what Nonac say is true. Must get a guarantee renewable card and the limit to the outpatient cancer and kidney dialysis treatment shall not be capped. In real world, these 2 treatments will suck up alot of your resources. So do more shopping around. As i've mentioned, the best med cards around are still from Allianz, Prudential and GE as for this moment. ING and HLA are good but the current lifetime limit is still quite low.


Jutawan my 2 cents to you.
Most important by order (if you are insurance 1st timer)
1. Medcard - as high as possible
2. 36 C.I - Minimum 3 times ur annual income
3. Death/TPD - Minimum 3 times annual income
4. PA - 3 times annual income preferably with weekly indemnity benefit.

PM me if you need assistance and btw i'm from Allianz

rgds

This post has been edited by chew_ronnie: Apr 3 2009, 12:33 AM

takaful ikhlas hv bigger saving portion? i don't think so mate. as u know, takaful ikhlas medical card hv to be renew every year. so there's no invesment-linked on the medical card (burn money). u can ask ur takaful ikhlas agent.

the problem with the medical card that need to be renew is, it is not guaranteed renewable. let say if u hv a repeated illness like 'buasir', maybe a kidneys problem, when u want to renew it, the existing ilness will be excluded from your benefits. & worst, u can't even renew it at all. so u don't hv any cover & cannot take other company medical card since u're already hv illness.

ask ur agent carefully. if u want the best for urself, find the best company existed.

nuzul azwan
prudential jb/kl
013-7778892

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Added on April 19, 2009, 10:09 amyeah.. i'm agree with u.. allianz, GE & prudential hv he best produk so far. i'm a pru agent myself. when allianz & GE want to launch their takaful?

This post has been edited by malaunz: Apr 19 2009, 10:09 AM

What are the criterion that make you think that a product is good while others are not good?? Please share...

The only Issurance scheme that does not have co-insurance, AXA Affin. Do have medical card, personal accident and critical illness. I'm just a subscriber. Please pm me if you need their executive contact.