Jul 13 2009, 10:51 AM
QUOTE(chew_ronnie @ Jun 17 2009, 05:57 PM)
HI everyone:
This is my summary
GE - Smart Medic The highest lifetime limit with the most number of days (180 days on normal room and board / yr) - drawback - co-insurance clause and the co-payment if exceed R&B charges up to no cap!
Pru - PMM5 annual limit and lifetime limit not as high as GE's smart medic (120days on normal room and board / yr) - drawback - co-insurance clause
Pru - PruHealth has the option to NCB and option up to age 80 or 100 and option to go for no annual limit cap- drawback - co-insurance clause higher than PMM5 (if i'm not mistaken), also the COI (cost of insurance is way higher than PMM5)
Allianz - Medicover annual limit and lifetime limit same as PMM5 (150 days on normal room and board/ disability), no-co-insurance - drawback - annual limit not so high as compared to GE's Smart Medic and PruHealth
HLA - No co-insurance, drawback - lifetime limit quite low at 3X
ING - same as HLA
These are the best cards running in the market at the moment - c which suits u most as these cards has outpatient cancer and kidney dialysis treatment are as-charged.
These cards are best bought with ILP and the cheapest package ILP with medical card rider, I would say it's Allianz. (Agents from other comp pls correct me if i'm wrong). Allianz can do RM150/mth for a RM300 room and board for ppl below 30 yrs.
Hope this can help u in choosing.
Rgds
Hi RonnieThis is my summary
GE - Smart Medic The highest lifetime limit with the most number of days (180 days on normal room and board / yr) - drawback - co-insurance clause and the co-payment if exceed R&B charges up to no cap!
Pru - PMM5 annual limit and lifetime limit not as high as GE's smart medic (120days on normal room and board / yr) - drawback - co-insurance clause
Pru - PruHealth has the option to NCB and option up to age 80 or 100 and option to go for no annual limit cap- drawback - co-insurance clause higher than PMM5 (if i'm not mistaken), also the COI (cost of insurance is way higher than PMM5)
Allianz - Medicover annual limit and lifetime limit same as PMM5 (150 days on normal room and board/ disability), no-co-insurance - drawback - annual limit not so high as compared to GE's Smart Medic and PruHealth
HLA - No co-insurance, drawback - lifetime limit quite low at 3X
ING - same as HLA
These are the best cards running in the market at the moment - c which suits u most as these cards has outpatient cancer and kidney dialysis treatment are as-charged.
These cards are best bought with ILP and the cheapest package ILP with medical card rider, I would say it's Allianz. (Agents from other comp pls correct me if i'm wrong). Allianz can do RM150/mth for a RM300 room and board for ppl below 30 yrs.
Hope this can help u in choosing.
Rgds
I think u must be left out one Insurance company.
Manulife URL: http://www.manulife.com.my
Manulife
- There is unlimited Board and rooms and currently only the insurance company have the great coverage.
- Coverage up to 100 years old no matter female or male
- High individual annual limit
- Continuance of medical coverage after Total and Permanent Disability claims
- we have range or outpatient benefit which is cover top 3 med: strokes, kidney and cancer.
and etc more....
If you have any enquries, pls PM me ya
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