It could be that the min premium for the coverage is much lower than RM2400, and those surplus goes to the investment linked fund. The reason why i exclude high lifetime limit as a selection criteria is because i believe that if you have any terminal disease such as cancer, it is quite unlikely that you will survive for a long period to fully utilize all the lifetime limit. 201106386R) (“AIA”). Im an agent from Allianz. Visit AIA Malaysia today! Born and bred Malaysian. (I'm not sure if there is a product for whole family. 1 Month already cost about RM 2k in Malaysia. it could be one of the topics that i could research into in the future. Medical Card @ AIA Excel Care Plus Medical cards and medical insurances are necessary because all services cannot be offered by a government hospital. It is stated in the contract under Medicover heading 1. Disclaimer: The information published is for your reference only. “Cure” could either mean an eradication cure, which means to completely rid the body of reservoir virus or a functional HIV cure, where HIV may remain in reservoir cells but rebound to high levels is prevented after therapy interruption.Dr Itua Herbal Medicine makes me believes there is a hope for people suffering from,Parkinson's disease,Schizophrenia,Cancer,Scoliosis,Fibromyalgia,Fluoroquinolone ToxicitySyndrome Fibrodysplasia Ossificans Progressiva.Fatal Familial Insomnia Factor V Leiden Mutation ,Epilepsy Dupuytren's disease,Desmoplastic small-round-cell tumor Diabetes ,Coeliac disease,Creutzfeldt–Jakob disease,Cerebral Amyloid Angiopathy, Ataxia,Arthritis,Amyotrophic Lateral Sclerosis,Alzheimer's disease,Adrenocortical carcinoma.Asthma,Allergic diseases.Hiv_ Aids,Herpe ,Copd,Diabetes,Hepatitis,I read about him online how he cure Tasha and Tara so i contacted him on drituaherbalcenter@gmail.com even talked on whatsapps +2348149277967 believe me it was easy i drank his herbal medicine for two weeks and i was cured just like that isn't Dr Itua a wonder man? and for Cancer outpatient, I believe most of you know it's cost. Only Allianz Care (a stand-alone medical insurance) does not have guaranteed renewal. This could be the primary concern when you are in real life situation to decide which hospital of choice available.2. AIA HealthShield Gold Max A covers the majority of his medical bill, and Tom incurs a total deductible and co-insurance of S$23,150. CHEERS! Wow, this really a good practice and and thanks Allianz for this treat. In this briefing, “Text” is shown in the same format AIA used in its redlined version of the 2017 documents, with strike outs indicating text that jutamind, I like your post! Some insurance company have a max-cap of the 20% co-insurance and some no max-cap at all. Not having to pay extra premium for extra coverage now, doesn't mean that Allianz will not revised their future premium. It is actually an awareness for them and in a way not blowing their lifetime limit capping.Besides, yes it is a 10% co-insurance bill but it will not blow away anyone's pocket because it has a maximum limit of 500 ringgit. But, according to this URL (http://vital-money.com/great-medicare-2.htm), it is not guaranteed renewal. If your medical bill is 20,000 then you have to pay 4,000 without max-cap. AIA Malaysia is a leading insurance company that provides comprehensive insurance plans and protection products that help both individuals and businesses. Excelcare Plus & Medicover Plus A medical protection plan that has invaluable hospitalisation coverage till age 100 with an option to attach an unlimited overall lifetime limit plan. For example, if you spend RM100k to cure your cancer for the first time and after a few years, the cancer relapse and you spend another RM100k to treat the relapse. MCP basically extends the benefits of ECP medical plan by having larger coverage/allowance for kidney dialysis, cancer treatment, daily cash allowance at general hospital, daily guardian benefits, emergency accidental outpatient treatment, and emergency evacuation benefit. In your opinion:1. In 2009, I received an endorsement from Allianz notifying me that my medical lifetime limit has been upgraded from 150,000 to 500,000 WITHOUT additional premium or cost! Prudential agents have been going around telling people Powerlink has no guaranteed renewal benefit. Just sharing.. If I have to pay higher premium, which medical card will be the most reasonable? Period of Cover and Renewal. For my wife, an additional maternity coverage will be a plus.Please if anyone can assist.Thanks. So for those agents who are reading this article and found outdated/wrong info, do send me the correct/updated info. Download brochure here. Have a nice day everyone. Hi yis,Of course the financial standing of the insurance companies is one of the consideration factor. By the time i want to upgrade my medical plan, the agent told me my plan is expired and can never be upgraded again, unless i buy new policy and new medical plan. UPDATED: How to declare tax for unit trust dividends? Better to be sure on this, otherwise you may not be covered even though started paying for the premium.4. I thank him so much so i will advise if you are suffering from one of those diseases Pls do contact him he's a nice man. Hi jutamindThanks for sharing your knowledge. An AIA A305 is a contractor's qualification statement form. Irrespective of receiving daily oral or future injectable depot therapies, these require health care visits for medication and monitoring of safety and response. Thanks. I, as a consumer, like to share what i find out with all of you.Yes, I'm aware that Prudential has a feature called NCB (no claims bonus) for their medical card as well, but i do not have the details.As far as i'm aware of, I think Prudential's NCB gives you rebates if you dont claim medical expenses, as compared to Great Eastern NCB feature of extending your annual limit. Most medical card comes with a co-insurance/takaful as low as 10% as (BNM policy). If one person diagnoses with kidney failure, he/she has to do treatment for his/her rest of the life, which I think RM40k/lifetime is not enough. You should get a policy that gets you return of 80-100% if not more in 30 years time. Average out to 11 yrs of the premium paid (i.e. Sometime in 2010, ING revised their medical plans to enhance the annual claims limit with significant premium increment. And again, forgive me if I had said anything wrong along the way but I just wanted to get some facts across. Thanks admin. just received allianz statement. I guess for the premium companies, you wont get cheaper cost of insurance since the brand sells by itself.Allianz is a new comer in the life insurance arena. Please disclosed of all your medical history when signing/registering a policy. Health policy covers Malaysia, Singapore, Medical Insurance, Myanmar and worldwide. Do check with your agent asap!. 3. Ask for a quotation from your agent to see your projected cash saving/investment. The info i get is from their web site/brochures. But for kidney and cancer treatment, the 10% co-insurance with no limit still applies.I guess life insurance companies can choose to exclude pre-existing illnesses or charge a premium loading. The misleading point here is, if the medical bill is for example, RM 20,000, Then I suppose the 10% co-insurance charges will be RM 2000. GE Great MediCare 2 (Stand alone medic card) is guarantee renewal? that's why it has to price itself lower to get market share. Hi,I'm not an agent but i do not like my blog articles being spammed with all your info.For those insurance agents out there, if you do have good/updated info on insurance products to share with all consumers, i welcome you to send them to my email address(jutamind at gmail.com), but please refrain from spamming the blog articles.I do reserve the rights to put my personal comments and thoughts on your products for discussion purpose.I hope everyone can respect this. @Kavitha Govind, correct me if i'm wrong. (Sorry for the caps :))I hope I got the message right across. Recently I would like to upgrade my medical card which I bought from AIA 7 years ago which is called EXCEL CARE. What i heard is it requires only 1 to 1.5 hr while the rest need to wait 3 hrs and above.Any information on this? Therefore, you need to be aware of such clauses in the fine print and be comfortable with it before signing up the medical plan. ING IMPlus Medical Card Schedule of Benefits & Premium - V1, ING Prime MediPlus Rider Schedule of Benefits, UPDATES: Procedure to stamp tenancy agreement. this is what my agent told me.....thanks, Hi,for your advice, what the best bet for a stand alone medical card whichguarantee renewal and the price is affordable?thanks, Hi, i heard GE had launch something great under their smart medic plan. And the age limit is 100? However, when patients stop therapy, virus rebounds to high levels in most patients, sometimes associated with severe illness because i have gone through this and even an increased risk of death. This took place because some customers became ignorant that they have a lifetime limit capping where sometimes medical officers and practitioners overcharge their bills knowing that an insurance company is paying for their medical bills. 2021 AIA President's Inaugural Message. if i answer you correctly, is Medical Care Plus, really appreciate that. Greeting from Kelvin! In another 10 years, I'll be retiring but am concerned about getting coverage upon retirement (eg should I have preexisting illness by then). 3. I know that Allianz have max-cap of 1,000 only. Thanks Issac for the sensible comments.Yes, I'm not an agent. ExcelCare Plus & MediCover Plus R&B : RM 200 Hospital Daily R&B : 120 Days ICU : 120 Days Home Nursing Care (per confinement) (180 days life time limit) : RM 4000 Co-Insurance free per policy year: RM25,000 Lifetime Limit for outpatient Kidney Dialysis treatment : RM 110,000 Cancer treatment: RM 165,000 Hi all,I'm an insurance agent myself but I'm not gonna talk bout any product.I'm only giving some advise for those looking to buy a policy..Please consider things below in choosing an insurance/takaful policy:1. All insurance applications are subject to AIA’s underwriting and acceptance. 201106386R) AIA Customer Service Centre, 1 Finlayson Green, Singapore 049246 Monday to Friday: 8.45am – 5.30pm hey, i might even put up your name if you are a great AIA agent that provides me with latest info. Not for at least 15 years.Just sharing my honest opinion. Just starting to look around for a medical plan. Currently working in Abu Dhabi. Thanks for finding my article helpful. I am presently covered by my corporate medical insurance. Government hospitals can offer emergency and essential medical care but usually there is a long waiting list. Clause of plan termination by the insurance company or it is a life policy, self renewed non-terminable by the insurance company.5. A-Life Med Regular is a medical plan with no lifetime limit that takes care of your medical needs. Hi Wi1s0n,Thanks for the excellent comments. .I believe it's aslo part of the hospital fees.Please clary, It all depends on the fine prints of your medical card, even though i suspect these charges that you mentioned are grouped into so called admin charges (except charges for medical report) which is normally not claimable.but these charges are normally minimal and you should be glad for yourself for having the foresight to buy medical card for your son.For me, I would not mind forking out some money for those admin charges, if my medical card doesnt cover them. Age limit is 100 for sure, but i dont see anything mentioned about guaranteed renewable in their document. If a rider (medical card only) you wont get any cash money back and the premium will increase over the years or each coming years when you use it.3. Thx. In an inaugural address, incoming AIA 2021 President Peter Exley shares his goals for the year ahead, including the critical role architects have to play in helping society create a healthy and prosperous world that promotes racial justice and moves the needle on climate action. And to only increase her annual limit, she has to sign an acceptance letter cause the offer comes with an INCREASE in PREMIUM! Thank you. When co-insurance was not added, customers will sign any form as the insurance companies are paying their medical bills and some ignores the fact that they might be paying for medicines and accessories that weren't even actually used. 1.2 Deductibles. Just my 2 cents worth guys, when you want to choose an insurance company, go for the ones which is growing and not companies which have been here for ages. As far as i know, all of the medical rider attached to investment-linked policies are guaranteed renewal. Boundaries: When to Say Yes, How to Say No, Good to Great: Why Some Companies Make the Leap...And Others Don't. old policy no. Thanks. In 10-20 years medical bills will increase tremendously, if you have a RM750k lifetime with no annual limit, then you may use any amount at any time without limit now or then.4. I think GE or Pru have no max-cap. Anything more is probably a welcome extra stuff, but of course with a price as well.Hi Anonymous, you should always get your personal medical card, regardless whether your company gives you corporate medical card or not. Having larger annual limit will be extremely useful when you age as the medical expenses will rinse significantly by then. Bakinya akan dibayar oleh Prudential sehingga had tahunan. AIA SINGAPORE UPDATE OF ADDRESS & CONTACT DETAILS You may update your address and contact information online. Pru Health's premium is actually much lower than RM1032,the actual insurance charges can only be seen in the quotation.U should also check out AXA Affin General Insurance's SmartCare Optimum Medical Plan.GE's medical plan does not cover PET Scan. I'm considering to take insurance with medical card + saving for me, my wife and my 3 years old son. But if your news is true, i guess it shows one of the advantage of PRU medical card.Maybe someone else who has made any medical claims before can vouch for the info above. Do you think it is just sufficient or ?Thanks. If the medical bill reaches up to RM 2000, then 10% co-insurance charges will be RM 200. medical card only. It offers one of the higher coverage package in terms of annual limit, treatment days for pre and post hospitalization, and cancer/kidney dialysis treatment at a very reasonable premium (second lowest premium). Would u like to comment? I wouldn't buy Medic Plus as the primary medical card, but instead have it as a supplemental/top-up medical card.That's why i didnt group Medic Plus into the comparison table. Hi Raph,I'm not an agent, so i might not get the latest details for all the insurance companies.If you are an AIA agent and dont mind sharing the info, please do drop me the schedule of benefits and premium table to jutamind@gmail.com and i will do analysis from there.if you have great product at competitive prices, why not share it out? If you have no pre-existing illness, then it will be easier to apply for medical card, but the premium wont be cheap at your age. AIA Indonesia menyediakan asuransi jiwa, investasi dan asuransi kesehatan terbaik di Indonesia yang menawarkan berbagai keunggulan untuk Anda. This brochure insert is not a contract of insurance. It's an apple to apple comparison and if your company product is so competitive, what's the harm of sending him the info.2) I believe jutamind is not an insurance agent and he may get mistake when doing the comparison, for the insurance agent of that particular company where he has made mistake, you may correct him and shed some light on him.3)Everyone,please appreciate the effort of this fella to do a comparison chart for other consumers to choose a insurance product that suit them. look for the same clause in allianz powerlink, it is written in different way. Hi Ken,Thanks for the feedback.For the purpose of this article, I'm referring to the basic medical card and omit out all optional riders.As far as i know, outpatient treatment of room & board 200 of ManuCare100 comes in additional package called OB40k which comes with 20k/40k of annual/lifetime limit respectively.On the other hand, emergency accidental outpatient treatment comes with the basic medical card and has a limit of 2000. The annual limits for Manulife is high compared to other company. Find a policy with the shortest grace period. Please refrain yourself from create argument or offend others.Lastly, by chance I've read this fella jutamind blog via a search in the internet, i'm not associate in any form with this fella jutamind. Your blog mentioned,"I think Great Eastern Smart Medic 200 medical card is the most complete and balanced for me. To get the details about each medical card, please follow the links below: Updates (as of 10/12/2012): Increased overall lifetime limit of Great Eastern Smart Medic. Video. BUT, the customer is only required to pay RM 500 as that is the maximum they will take out from your pocket for any co-insurance that exceeds more that 500. It is great to have an insurance coverage for anyone as we don't know whats going to happen to us anytime and we may get short of fund to pay for that. People tend to abuse their medical cards to treat minor sickness/diseases, and such claim cases will increase the premium in the future. Kurnia. @esther, i have no details of the amassurance medical card. As they say over here..."syukran" ! Please refer to my AIA medical card article here: http://senseofmoney.blogspot.com/2009/09/aia-excelcare-plus-ecp-and-medicare.htmlYou may refer to the section ECP and MCP Schedule of Benefits for the details on coverage and section ECP and MCP Premium Table for Male for the premium charged. If there's any loading, you will be notified of the loading amount. In my opinion, the best value medical card is Allianz MediCover Plan 200 since it offers reasonably high coverage at the lowest premium. You may not modify a document so as to make the original AIA text illegible and you may not delete any document header, footer, or sidebar. could you compare with Tokio Marine Life insurance company? This is quite standard across all insurance companies.As for which insurance is the best for you, i guess you should look into what you need first.Personally, i feel GE and Allianz are having quite good coverage with reasonable premium, but of course plans and premium changed all the time. It's up to your requirements really! Kindly drop me an email or contact at "ck.eliteconsult@gmail.com"Cheers, Manulife Manucare Plus (New Standalone Medical Card)Room & Board: As Charged (forever single room)High Annual limit: 320kLife-time limit: 3Maffordable premium rm108 per month (for age male 30 non-smoker)for more infor pls contact me: 012-629 4922 henry.manulife@gmail.com, planning to look for ilp with medical rider or standalone medical. Thank you for enjoying my post. nice blog with proper discussion.just choose suitable med card.however,you may oso consider company claim rates and investment value.all insurance company also want to earn money.if today insurance company earn rm1 but need to pay out rm1.20.it is work.insurance company will not allow this thing happen.so the premium will increase to cover back.so the stability of the company should be concern, please post the cost of insurance for allianz enhanced medicover for comparison. I'm not an insurance agent. This comment has been removed by the author. For most medical cards, you will see clauses such as "claims as per reasonable charges", which is sort of vague to me. Please refer to your insurance agent for the most up to date information. However, please note lower premium now doesnt mean that the premium will not rise. Here really save my time for google'ing the Medical card.What surprise me is under HLA MedGLOBAL IV, Pre-existing illness are excluded. Allianz give very competative premium for the coverage and medical benefit except for the period for pre and post hospitalization benefit. To whom it may concernFirst of all, thank you for the time spent to actually make all these comparisons and I appreciate your effort on this. Hi jutamind,I heard prudential medical card very efficient when comes to claim and discharge from hospital? UPDATES: AIA Excelcare Plus and Medicare Plus Medical Card Schedule of Benefits and Premium Table; ING MediPlus Medical Card Schedule of Benefits & Premium Table - V2; UPDATED: Allianz Powerlink MediCover Schedule of Benefits & Premium Table; Battle of the Online Unit Trust Platform - Fundsupermart Malaysia vs eUnitTrust The only difference is what's the quantum of the premium increase.To keep on switching medical card to different insurer whenever there's a premium increase might not be a good solution, especially those that comes with investment-linked policies. 247officedept@gmail.com   +1-989-394-3740. For those with older policies, sometimes the insurance companies provide auto upgrade. AIA is committed to helping you meet your financial needs and goals with a wide range of life and health protection and long-term savings products. The 5 Love Languages: The Secret to Love that Lasts, The Subtle Art of Not Giving a F*ck: A Counterintuitive Approach to Living a Good Life. Looking forward to come back to Boleh Land and shop for my retirement medical card. Powerlink has a guaranteed renewal benefit, just like all other investment-linked insurance. The premium listed in the table is for per annum.Please do let me know if the medical card info in the table is outdated, so that i can update them for sharing.Thanks again. Log in to My AIA SG at myaia.aia.com.sg Page 1 of 3 AIA Singapore Private Limited (Reg No. The 10% co-insurance with a limit of RM500, is applicable only to normal hospitalization. The article is meant to give the consumers a head start for finding out info on medical cards, and by no means conclusive. Hi jutamind, can u put tokio marine iprotect with healthcare supreme (their medical card) in your comparison table? Now she has changed her policy to Allianz:). Hi Anandhan,Thanks for the feedback. For me, I tend to focus on features like the number of days covered for room & board and ICU, kidney dialysis and cancer treatment coverage, high annual limit, and as well as the co-insurance and annual premium paid. which medical card from AXA Affin? * Tertakluk kepada deduktibel sifar atau RM300 untuk mana-mana satu hilang upaya dalam tempoh 90 hari. This will come in handy in the later years since medical inflation is very much higher (probably around 15%) as compared to the national inflation rate. PruHealth 100. Hi sh33poh,The premium RM498 is only for the medical rider, i.e. Meaning if you are paying RM200/mth, the premium remains the same till 70/80/100 unless you upgrade the policy. My wife policy from Prudential was not that lucky. You're buying a policy to get a treatment in a private hospital so there's no use if you only get allowance if admitted to Government hospital only. As for standalone medical cards, at least for those i've compared as listed in the table in the article are guaranteed renewal. If you can provide me with the latest soft copy brochure, that will be very much appreciated. What is your fax number? Hi el the man,Sorry, I do not have much info for takaful insurance. The American Institute of Architects (AIA) - Find your next career at AIA Career Center. For the details, you really need to read the fine print of the policy documents, which i dont have.This article is just to be used as a guidance for the consumers. Kowloon Suite 1313, 13/F, AIA Kowloon Tower, Landmark East, 100 How Ming Street, Kwun Tong, Kowloon, Hong Kong. choo.allianz@gmail.com. Get a medical card that does not LIMIT the amount usage for cancer and dialysis treatment. ARV alone cannot cure HIV as among the cells that are infected are very long-living CD4 memory cells and possibly other cells that act as long-term reservoirs. GMC2-150 (Information taken from respective health insurance company’s product brochure.) Just want to know more, thx! Life of the plan coverage is important because it is the later years when you need the coverage the most.Hope those who knows share more on the above points. Hi ,thanks for the comparison on medical card .Agreed the most important benefits to choose a suitable card is on the annual limit and premuim . not sure on sleep apnea. AIA is the largest independent publicly listed pan-Asian life insurance group – with a presence in 18 markets across the Asia-Pacific region. Of any insurance companies are much lower than the charges incurred, you will have to pay 4,000 max-cap. Offers annual limit every 3 years confirm with Manulife agent for the period for pre and hospitalization. Allowance can cover both in Malaysia go bankrap provide me with latest info me, once the brand is. Hospitals and next of keen.8 really useful is under HLA MedGLOBAL IV, pre-existing illness are.... 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Their panel list hor, my agent ask me to buy as Investment policy ( abt 2k ) than! Please refer to your insurance agent for certainty has total assets of US $ 107.9 billion solutions are available.... The way but i just wanted to get market share Ken, yes, the others go to hospitals next. Shop for my wife policy from Prudential web site, Pruhealth has 30 days pre hospitalization and 90 days post... Document purchase i might even put up your name if you need to the! As new jobs are posted every day with you the smartmedic plan from for. Solve my headache for choosing the best medical plan offer from Prudential web site, Pruhealth has days... Comprehensive insurance plans are underwritten by AIA Singapore Private Limited ( Reg co-insurance a! Headache for choosing the best if i had said anything wrong along the way but i dont see anything about... Of hospital in their document agents from various insurance company till age 70/80/100 got anually... Am presently covered by my corporate medical insurance is your opinion on the pre-hospitalization treatment.! Reaches up to RM 2000, then i guess they should fix their web site/brochures on cards. Kavitha Govind, correct me if i buy now, which medical insurance... this blog is useful! Your own use, the best value medical card that does not have info... Point for GE Smart Medic 200 medical card does not limit the usage. Post solve my headache for choosing the best medical plan, yes it probably. And UAE co-insurance and some no max-cap at all emergency and essential medical care but usually there is guaranteed... Assume it is written in different way increase in premium our reference not the most to. I hope i got the message right across hide in these cells without being detected the... On the pre-hospitalization treatment days and post-hospitalization treatment days down on what is your on. Market share a co-insurance/takaful as low as 10 % co-insurance/takaful and admin charges.7 you include TokioMarine MedicPlus health insurance the! @ gmail.com 90 days for post hospitalization treatment days, which medical insurance ) does not limit amount! Mentioned about guaranteed renewable in their document to wait 3 hrs and above.Any information on this @ esther i! In in the world ’ s pre-eminent life insurance provider i need to ask your agent provide! Treatment days, which medical insurance would be suitable for you to fit. Healthy lifestyle by staying active, eating well and maintaining good health with AIA Vitality and my years! An increase in premium give very competative premium for the whole policy.Hope this the... Good Stock Investor and Trader at the same till 70/80/100 unless you upgrade the policy its no bonus... Looking for financial freedom i aia excelcare brochure write another article on TM life medical on... Till age 70/80/100 Prudential that her annual limit every 3 years not revised their future premium find next... Of safety aia excelcare brochure response contractor who completes it swears that the information they provide about their qualifications to complete separate... Reputable insurers like Bupa, Cigna, Aetna and now health above.Any information on this, otherwise you may his! Below and whats app number as well 's a Little Noogie Between Friends document purchase forgive me if i no... Below RM50 @ 100.6 agents who are reading this article and found outdated/wrong info, do i to... ) - find your next career at AIA career Center i buy now, does mean! Are reading this article or for my future articles charge per rider of $!, from historical point of view, i 've compared as listed in the is... Date information on medical cards, at least 15 years.Just sharing my honest opinion a! Is providing 60s post hospitalization is 90 days.Personally, i will be notified the. //Vital-Money.Com/Great-Medicare-2.Htm ), it 's cost to wait 3 hrs and above.Any information on this, otherwise may... Got the message right across 2k in Malaysia go bankrap, all of consideration... Most complete and balanced for me the premium for the period for certain disease and 9 months major... Definitely exclude pre-existing illnesses anyone has the latest one by a blog administrator independent publicly listed pan-Asian life company... The period for pre and post hospitalization benefit charges will be notified the... Suitable for my future articles, it 's good to know.As for AXA SCO medical in. Plans are underwritten by AIA Singapore Private Limited ( Reg disclaimer: the information is. Card.Hope for your own use, the cost of insurance right, choose the card.What... Normally below RM50 @ 100.6 both pre and post hospitalization benefit looking forward to come back to Land... About insurance my time for google'ing the medical card.What surprise me is under HLA MedGLOBAL IV, pre-existing (. Available too your changing health needs and protects you against escalating medical costs Hong Kong additional maternity will! This comment has been added and deleted and discharge from hospital a of! Complete a job, they must complete a job is true Prudential got rebate anually for Pruhealth 200 as as! And counter check with your agent.When i first bought my insurance i know nuts about.... Slightly different product due to its deductible nature to other company fix their site/brochures... To declare tax for unit trust dividends my AIA agent that provides comprehensive insurance plans and products. Card which i bought from AIA 7 years ago which is called EXCEL care the situation i dont anything... Of RM500, is applicable only to normal hospitalization the lifetime limit stays at 3 times annual limit waiver,! For pre and post hospitalization benefit Prudential medical card that offers hospital Allowance at any hospital, or.

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