Jul 4 2009, 07:55 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)
mdnuzulazwan(@)prupartner.com.my
medical / critical illness insurance enquiry
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