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

when taking an insurance, consider the plan carefully. actually, the basic life insurance is all the same which cover the 3 major risk

1. Death benefits
2. 36/40 critical illness
3. accident/disablement

so the different is in the medical card. how u want the medical card cover u? here's some condition u should consider,

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..

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.

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.

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

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


Nuzul Azwan
Prudential/Prudential-BSN Takaful (JB/KL)
nuzul.azwan(@)yahoo.com

MAA also hv burn money policy on the medical card & need to be renew. also it hv low annual limit ~30K only.

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Added on June 10, 2009, 11:19 pmi don't think so. read the policy carefully on the etiqa mediksave rider. there's a term under the topic "Contract & Renewal". it says on every anniversary of the policy, etiqa hv the right to review previous claims & increase the premium base on existing sickness or risk. that's mean it's not guarantee renewable

how come u as an etiqa agent didn't read your own policy?

mohamad nuzul azwan bin ali.
Prudential JB/KL
mdnuzulazwan@prupartner.com.my

This post has been edited by malaunz: Jun 10 2009, 11:20 PM