|
|
|
|
 |
|
|
INSURER E
|
| |
MAIN DIFFERENCES
TOTAL SAVINGS...up to
RM638.55 (Investment-Linked) and RM1,204.55 (Traditional)
for a family of 2 Adults & 3 Children
|
# |
Features |
MCO Plan |
Insurer E |
|
1 |
Room & Board (R&B) |
450 / disability |
300 / disability (150 days) |
|
2 |
Organ Transplant |
80,000 / lifetime |
50,000 / lifetime |
|
3 |
Comp Personal Accident |
490,000 |
50,000 |
|
4 |
Maternity Benefit |
1,000 / 2,000 |
-- |
|
5 |
SOS Benefits (Video) |
USD1,000,000 |
Yes |
|
6 |
Excess & Co-Insurance |
-- |
10% or RM300 min |
|
7 |
H&S Attached to... |
Membership |
IL or Traditional |
|
8 |
Disability/Annual Limit |
175,000 / disability |
150,000 / year |
|
9 |
Lifetime Limit |
525,000 |
450,000 |
|
10 |
Family Discount? |
-- |
10% to 30% |
|
11 |
Guaranteed Renewable up to... |
70 |
75 |
|
12 |
Cashless after... |
IMMEDIATE |
3 months |
|
13 |
Cashless Overseas? |
YES |
|
|
14 |
Membership Benefits |
YES |
-- |
|
15 |
Local Panel Hospitals |
75 |
YES |
|
16 |
Premium to Premium |
1,753.00 |
2,537.55 or 3,103.55 |
|
17 |
(Membership Fee & Premium) to Premium |
2,859.00 |
2,537.55 or 3,103.55 |
|
18 |
Min Premium, Max Protection? |
YES |
NO |
This comparison does not take into account the premiums for the Investment-Linked and Traditional portions of the policies, and any other riders that may be added to it.
DETAILED COMPARISON WILL BE AVAILABLE UPON REQUEST.
|
|
HOW INSURER E PREMIUMS ARE DERIVED
|
| |
ASSUMPTIONS
- Father 42, Mother 38
- 3 Children of ages 6(Girl), 10(Boy) and 14(Girl).
PREMIUM COMPUTATION
(attached to Investment-Linked Policy)
|
MEMBER |
COVERAGE |
PREMIUMS |
|
Father |
H&S premium |
675.55 |
|
Mother |
H&S premium |
689.15 |
|
Child 1 |
H&S premium |
390.95 |
|
Child 2 |
H&S premium |
390.95 |
|
Child 3 |
H&S premium |
390.95 |
| |
TOTAL FAMILY PREMIUM |
2,537.55 |
(attached to Traditional Policy)
|
MEMBER |
COVERAGE |
PREMIUMS |
|
Father |
H&S premium |
827.75 |
|
Mother |
H&S premium |
843.00 |
|
Child 1 |
H&S premium |
477.60 |
|
Child 2 |
H&S premium |
477.60 |
|
Child 3 |
H&S premium |
477.60 |
| |
TOTAL FAMILY PREMIUM |
3,103.55 |
|
|
MCO AND INSURER E
|
| |
PRICE DIFFERENCE
(attached to Investment-Linked policy)
|
# |
DESCRIPTION |
MCO |
E |
|
1 |
MCO Membership Fee |
1,106.00 |
- |
|
2 |
Insurance Premiums |
1,753.00 |
2,537.55 |
| |
Totals |
2,859.00 |
2,537.55 |
| |
Direct Saving (Inclusive of Membership fees) |
321.45 |
|
| |
|
|
|
|
3 |
Comprehensive Medical Checkups for two adults worth RM560 are included in the membership. This amount is a saving to you. |
(560.00) |
|
|
4 |
Comprehensive Personal Accident Cover is also included in the MCO's H&Spolicy (@ RM20/10,000SA, (490-250)K/10K x 20). |
(400.00) |
|
|
|
TOTAL SAVING |
(638.55) |
|
(attached to Traditional policy)
|
# |
DESCRIPTION |
MCO |
E |
|
1 |
MCO Membership Fee |
1,106.00 |
- |
|
2 |
Insurance Premiums |
1,753.00 |
3,103.55 |
| |
Totals |
2,859.00 |
3,103.55 |
| |
Direct Saving (Inclusive of Membership fees) |
(244.55) |
|
| |
|
|
|
|
3 |
Comprehensive Medical Checkups for two adults worth RM560 are included in the membership. This amount is a saving to you. |
(560.00) |
|
|
4 |
Comprehensive Personal Accident Cover is also included in the MCO's H&Spolicy (@ RM20/10,000SA, (490-250)K/10K x 20). |
(400.00) |
|
|
|
TOTAL SAVING |
(1,204.55) |
|
The following additional benefits are provided under the MCO program (at no extra charge) but are not available under Company E :-
- eMedical Record (Telemedicine)
- Life Time Health Plan
- Wellness Programme
- Review of Medical Results with Doctors
- Medical Report on Request
- Convalescent & Nursing Home Care (discounted rate)
- Preferred Rate for the MCO's Clinics
- Large number of panel hospitals
|
|
|
|
|
|
|
|
|
 |
|
 |
|
|
|
