UPDATED: Comparison of Medical Cards from Leading Life Insurance Companies

Updates (as of 10/12/2012): Increased overall lifetime limit of Great Eastern Smart Medic.

This article intends to compare some of the main features of the standalone and investment-linked medical cards (i.e. medical riders that is attached to an investment-linked life insurance) offered by some of the leading life insurance companies in Malaysia, such as ING, Prudential, AIA, Great Eastern, Allianz, and AXA-Affin Life. For the purpose of this article, we will assume that a non-smoking male with the next birthday of 30 years old wants to purchase a medical cards with a room & board rate of RM 200 per night.

Here's what he will get from the life insurance companies mentioned above:

PruFlexi Med Schedule of Benefits

Hot off the shelf, Prudential recently launched its latest medical rider, PruFlexi Med, that can be attached to PruLink One or PruLife Ready investment-linked policies. PruFlexi Med is another alternative medical plan to the existing PruHealth medical rider. In fact, both PruHealth and PruFlexi Med are pretty similar in terms of coverage.

So, what is PruFlexi Med medical rider all about? The list below briefly summarize the features of this new medical rider: