thankyou

This post has been edited by redruby: May 25 2010, 01:05 PM

i am not sure about Etiqa but with PBT you definitely will be properly covered in term of death and TPD benefit , critical illness and personal accident.Takafullink Also offer good investment scheme and you can attach together medical card with the plan.PBT medical card , you are required to pay 10% of your total medical bill ( Min RM 300 and Max RM 1000).However this can be covered with PRUmed benefits (Surgery , ICU and ward confinement allowance).PBT medical card also has annual and lifetime limits. It ranges from 50,000 -150,000 for annual limits and 500,000 to 1.5 mils for lifetime limits.

If you are looking for good medical card , you should consider all these criterias..

1. Does the medical card has portfolio withdrawal condition
2. When you upgrade or take the room that slightly expensive than the plan , do they charge you 20% co-insurance?
3. Does the plan provides you with Allowances to cover the co-insurance?
4. Please look at the inner limit , how much are the limits for cancer treatment and kidney dialysis?
5. Claim reputation ( How easy to do claim)
6. How the investment funds perform?
7. The medical card must be guarantee renewal.
8. Does the plan rewards you with incentive when you dont claim?
9. Please look at annual limit and lifetime limit. The limit must be decently enough for medical treatments.
10. Can you waive annual limit in order to use your lifetime limit anytime you want.