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

Its kind of weird u are mentioning the few drawbacks from HLA and you are still insist on HLA. SUPRISED! Then just go ahead with Allianz la. I dun encounter any claims problem during these few years attached to Allianz, so if the premium is cheaper and no co-ins, i dun c y u cant just get Allianz. And btw, can you share what HLA clause is superior than other companies? We want to know. Thanks.

Dear Xuzen,

I have a quote for you. Based on age 30 male non-smoker.

Investment Linked Policy - The cheapest given your budget.
Death Benefit - RM 100K
Total Permanent Disability - RM 100K
36 Critical Illness - RM 200K
important note: If diagnose with 36 Critical Illness, this account will pay RM 200K. Then later if Death occurs, the account will pay another RM 100K. So its RM 300K in total.

The premium, RM 150/mth - RM 1800/yr. This is no scam.

Call or contact me at 016 335 0044.

I thought you have already taken up HLA policy?

Hi,

This is from Allianz.

There is always pros and cons for traditional policies and ILPs. So there is no 1 best plan. It all comes back to what benefits u want and whether the budget you have can get what u want or not. Put it simple - for younger ppl age less than 45, buying ILP is cheaper than buying traditional life policy given that u want the same coverage. But the drawback in ILP is u may face to add extra premium when the fund is not enough to cover the cost of insurance. On the other hand, traditional policies (whole life NOT term) gives you some returns at the end of the day and its considered quite safe. So you choose which suits u better.