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 I've replied. Thanks