Hi,

I am relooking at my insurance coverage policy again and i realise i have been paying too much to my agents for minimal medical coverage.

Now, i plan to reorg my medical coverage and have found tokio marine medic plus and axa smartcare optimum which suits me.

The question now i am seeking, which company offers critical illness standalone coverage as i don't want to buy another life insurance policy as most agents tend to push that ? And no investment linked fund either. Had enough of that as i seek coverage instead of investment.

Cheers.

Hi rekamaju,

What kinda premium am i looking at for critical illness which you have specify the 3 types and which insurance company are you representing ?

- Critical Illness only cover with no returns
- Critical Illness with death benefit and zero returns
- Critical illness with death benefit with full premium return

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Added on September 27, 2011, 9:28 pmI am not so worried about the deductibles as my existing company already cover the first rm40k. I am just looking at longer term as i know if *touch wood* something happens, i am not worried about my medical bills going above rm40k.

This post has been edited by gtfan: Sep 27 2011, 09:28 PM