nuzul,

i think you made some important points but i want to add some things:

"1. don't look at the lifetime limit, look for annual limit. no matter if ur lifetime limit is 600k, but ur annual limit is just 20k, it didn't enough. even a "bisol" could cost almost 5k.."

== always look for the lifetime limit! if you only get 3x annual limit for life this is NOT the plan for long term insurance. you slowly eat your allowance while paying the premium. then when its eaten up, its hard or next to impossible to find new insurer. ALWAYS choose a plan with a very high annual and a much much higher lifeltime limit if you must. even better: no lifetime limit. i personally would never rely only on a plan with lifeltime limit.

500k annual limit does not cost you a fortune if you choose a standalone policy.

"2. look the medical card plan carefully, is it hv any other limit besides the annual limit? even if u hv an annual limit of 60k, but there's limit on operation of 36k, limit on dialysis of 30k, it also didn't enough. one dialysis cost RM500 & need to do at least 2 times a week. u do the math urself."

== yes, sublimits are bad. avoid them by all means. for dialysis and other outpatient benefits its impossible to avoid them in one way or the other. this is why you sometimes need a second medical card to cover for just those things in order to make optimal decisions.

"3. ask the agent whether the medical card need to be renew or not? some medical card need to be renew early or maybe 5 year. u think for urself, if somedays, maybe after 5-6 years of renewing, u get an illness that cost about 50k. do you think the insurance company would let u renew? if u can renew, the previous illness will be excluded from ur benefits."

== as far as i know all standalone medical cards are yearly renewable. just make sure that its renewable at the option of the policy holder without loading or exclusions. then you are good. other policies are - sorry to say so - not insurances at all. they are money making shemes for the insurance companies.

"4. every time u want to renew the medical card, the price won't be the same again."

== absolutely true. allocate a budget that covers the average costs of a lifetime and save the difference to reduce burden in the future.

"5. every medical card that need to be renew are term insurance & hv burn money policy."

== medical cards are not burning money if chosen properly. actually the very principle of insurance implies that you pay premium and if you are lucky nothing happens to you you dont get any money. anything else is NOT an insurance. stay away from anything but an actual insurance for H&S since you only pay more that way. it doesnt work in your benefit.

1st of all u you need info regarding Prudential BSN Takaful to www.prubsn.my.

Utk comparison PruBSN Takaful dengan Etiqa tu susah sikit..... sebab ada pro and cont nyer.

Tapi point yg biasa saya ckp kat client ... ejen Etiqa sendiri subscribe Medikal kad PruBSN dengan saya.

Go to Government Hospital. No need any crap plans. The one gain the most is the private hospital. All this is western capitalization.

And the best insurance for you is, you taking care of your self. No smoking, no eating oily food, regular exercise.

Wah, Brahim.. Sifu here already ah...

hi there ,

i ada question , kalau la i amik plan prudential bsn takaful ni skarang , RM 300 sebulan le katakan , adakah premium i akan meningkat bila i meningkat umur, Saya diterangkan yang premium saya takkan naik even bile saya tua sebab cash value boleh cover , tapi anda kata return of interest 0 or negative maybe sebab keadaaan ekonomi yang teruk ke dan cash value mmg tak cukup , adakah saya kene tambah premium bulanan saya , dan soalannye berapa?

saye cuma nak makesure bile saye dah bersara ,tiba tiba premium bertambah dan i tak mampu nak baya premium.

sesiapa kat sini ada jawapannye tak

-thanks
Jawapan yang saya dah dengar :

Cash value boleh cover ( saya tau kalau andai kata cash value tak boleh cover ? berapa saya kene baya extra untuk premium)
Bende ni tak pernah terjadi (Bende tak pernah terjadi  , tapi kemungkinan terjadi tetap ada , sebab dikemudian hari apa yang kita sign kat policy yang matter)

Saya harap ada agent yang boleh jawap soalan saya , thanks
zam

is that etiqa is totaly guarantee return ? legal or what ?

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

Hi,
i'm a mom with 2 kids n my husband is self-employed, so we dont hav any medical cover or support. i'm searching for the best insurance plan for my family. i been thru this tread but still in bushes. cant understand most of the insurance term.
can any of u especially an agent assist me.  serious in meeting any agent from ING, GE, allianz or prudential. i'm from ampang

check with ur agent

So far I know in Prudential and PruBSN, you have an option to have annual limit waiver. Meaning, you can pay your hospital bill regardless any amount as long as it is within your lifetime limit between RM0.5 million and RM1.5 million. This apply to both conventional Prudential and PruBSN Takaful Medical Card.

Syed
019-4347535

Prudential / PruBSN Takaful

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

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 will pick PruHealth from Prudential..

But since your dilemma does not include Prudential, i would prefer PruBSN... ^^