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Sample of Comparison Table you gonna Receive

 Insurer AInsurer BInsurer CInsurer D
Rider or Standalone RiderRiderRiderStandalone
Room & Board (R&B) rate 200200200350
Cover up to age1009190100
R&B/ICU Days per year 12015090No limit
Pre & Post Hospitalization days per year 60/12090/9060/9031/60
Co insurance NilNilNilNil
Co payment due to R&B upgrade Nil20%, capped @ RM 1k/disability + Diff in R&B rate x #daysNil20%, no upper cap + Diff in R&B rate x #days
Outpatient cancer treatment lifetime limit 312,500 per lifetime, shared w/ outpatient kidney dialysisPer LL1.5 million per lifetime, shared w/ outpatient kidney dialysis156,000/year
Outpatient kidney dialysis lifetime limit312,500 per lifetime, shared w/ outpatient cancer treatmentPer LL1.5 million per lifetime, shared w/ outpatient cancer treatment156,000/year
Outpatient stroke NoNoNoNo
Outpatient dengue fever treatment 3,000 per eventPer LLNoNo
Outpatient alternative treatment 10,0003,000 per year, subject to 300/day & 1 visit/day within 30 days discharge from hospitalNilNo
Outpatient co insurance n/an/an/an/a
Annual limit (AL)125,0001 millionNo limit650,000
Lifetime limit (LL)No LimitNo limit1 million, after 1 mil, any
expenses incurred, you
need to share 20% of
the bill
No limit
No claim bonus 5% increase in Initial AL every 2 years for 20 years,
remain level thereafter,
if total claim amount < RM 5k during the immediate preceding 2 years;

20% increase in Initial R&B every 2 years for 10 years
and remain level thereafter,
if no claim during the immediate preceding 2 years
10% increase in Initial R&B every 3 years of no claim,
up to 150% of Initial R&B
2% increase in the initial Med Value Point every 2 years,
if no claim, up to Med Value point being exceeded
n/a
Coverage include...>90 days Singapore & BruneiSingapore & Brunein.a.n/a
Annual premium Husband 3,0003,6005,5001,844
Annual premium Wife 2,5002,7504,5601,678

 

 

Sample of Insurance Quotations you gonna Receive

 

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