Comparison between Prudential and Great Eastern

Claim procedures of prudential

First of all, for the claim procedures of Prudential the written notice of claim must be given to the
company within 3 month from the commencement of confinement to a hospital. Failure to give
such notice will not invalidate any claim if such notice was given as soon as was reasonably
possible. Next, the proof of claim is the following claim procedures of prudential. Affirmative
proof of hospital confinement or treatment as an outpatient must be furnished to the company
within 90 days after discharge from the hospital. The company requires as part of the proof of
claims, original bills and receipts with respect to hospital confinement and to charges and fees
incurred. Lastly, is the payment of claim, all claim under this Annexure shall be payable to the
Assured if the Covered Member is below the attainment of age 15years and to the Covered
Member thereafter.

Claim procedures of Great Eastern

First of all, for the claim procedures of Great Eastern, the prior to payment of any benefit payable
under this Annexure, the amount of any indebtedness on this policy shall first be deducted from
the benefits payable. Next, The Life Assured shall within 30 days of a disability that incurs
claimable expenses, give written notice to the company stating full particulars of such event,
including all original bills and receipts, and a full Physician’s report stipulating the diagnosis of
the condition treated and the date disability commenced in the Physician’s opinion and the
Physician’s summary of the cost of treatment. Then, failure to furnish such more notice within
the time allowed shall not invalid any claim if it is shown not to have been reasonably possible to
furnish such notice and that such notice was furnished as soon as was reasonably possible.
Insured Benefits of Great Eastern

The Insured benefits of Great Eastern are Hospital room and board is covered for insurer, the
hospital room and board is subject to a maximum of 180 days in any policy year and the
maximum claim for the hospital room and board is RM 150 per day, subject to overall lifetime
limit, whichever exceeded first. Besides that, the intensive care unit is also covered for insurer; it
is subjected to a maximum of 180 days in any policy year and it is as charged. Next, the
emergency accidental outpatient treatment is also covered for insurer; it can claim up to RM3000
in aggregate payable in any policy year. For Great Eastern the overall life time limit is
RM720,000.
Insured benefits of prudential

The insured benefits of Prudential are Hospital room and board is covered for insurer, the
hospital room and board is subject to a maximum of 120 days per annexure year and the
maximum claim for the hospital room and board is RM 100 per day. Next, the intensive care unit
is also covered for insurer; it is subjected to a maximum of 30 days in any policy year and it is as
charged. Besides that, the emergency accidental outpatient treatment is also covered for insurer;
it can claim up to RM1000 in aggregate payable in any policy year. Lastly,for the overall lifetime
limit of Prudential is Rm150,000 .