There are five (5) plans from Plan 150 to Plan 500.
- Unlimited Lifetime Limit
- Very high Annual Limit (from RM850,000)
- Optional Deductible of RM3,000 (to make premium more affordable)
- No Claim Bonus - Room & Board benefit to be increased 20% every 2 years, e.g.
- Room & Board for Plan 150,
- Year 1 and 2 - RM 150
- Year 3 and 4 - RM 180 (RM150 + 20% of RM150)
- Year 5 and 6 - RM 210 (RM180 + 20% of RM150)
- Year 7 and 8 - RM 240 (RM210 + 20% of RM150)
- Year 9 and 10 - RM 270 (RM240 + 20% of RM150)
- Year 11 onward RM 300 (RM270 + 20% of RM150)(Maximum)
- Plan 150 and Plan 200 subject to co-insurance if Room & Board higher than the entitled benefit.
- Cost of insurance may be too high for you, since annual limit is RM850,000 onwards
- Future premium is not guaranteed, like all other products in the market (as cost of medical goes up much faster than inflation rate)
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Is this the best plan in town?
How to choose the best plan that suit you?
Contact a licensed independent financial adviser at email@example.com
Chong Kong Hui
Financial Adviser's Representative
FAR, iFAR, CMSRL (FP)