Review Insurance for Myself

 My mum bought me an insurance in 2004, till now she still do not want to absolutely assigned the insurance to me because scare I surrender the insurance. She only did conditional assignment to me 2 years ago. T.T

My HLA insurance in 2004 is as below: 

RM200 premium / month 

Life RM100k
CI RM50k
R&B (150 days) RM100 <---- I think not enough
ICU (75 days) Full Reimbursement
Lodger (150 days) Full Reimbursement
Outpatient Cancer RM30k
Outpatient Kidney RM30k
Annual Limit RM50k
Lifetime Limit RM150k
Co-insurance RM300 or 10%, whichever higher
Medical insurance lapse at 70 years old. T.T
Optional Top-up per month RM50

My insurance cost now is as below: 
Policy RM5
Life RM7.38 
CI Rider RM5.42
MEDGLOBAL II 100 RM41.65 <-- I personally think this is overcharged

Seriously, I can even buy AXA e-Medic with RM1000 deductible at RM20k coverage per year without lifetime limit at RM34.99.

Because she refused to surrender the HLA 2004 insurance, that time I do not have other choice but to choose a deductible plan to cover me. 

That time only HLA offers deductible RM20k before 60 years old, then RM0 deductible after 60 years old:

My HLA insurance in 2017 is as below: 

RM150 premium / month

Life RM100k
CI RM100k
R&B (150 days) RM200
ICU (75 days) Full Reimbursement
Lodger (150 days) Full Reimbursement
Emergency Accident (30 days) Full Reimbursement
Overall Annual Limit RM1,120,000
No Lifetime Limit
LadyShield Rider RM50k
PA Rider RM50k

My insurance cost now is as below: 

Policy RM5
Life RM8.23
CI Care RM9.42
LadyShield RM8.58
HLA MediShield II 200 (Pre 20k - Post 0) RM17.10
Million Extra RM3.92
PA Rider RM3.25

So the medical card cost for this insurance is actuall RM17.10 + RM3.92 = RM21.02

If combine both of my insurance: 

RM350/month I will get: 

Life RM200k 
CI RM200k
Medical Card paying RM62.67/month for now (RM752 annually) 

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Great Eastern is doing promotion now, buying SmartMedic Million coverage can have additional 2 million coverage at no extra cost. 

My GE agent also quoted me as below 

RM250 premium / month

Life / TPD / 45 CI: RM150k
Medical Card: 1 million + 2 million 
Deductible RM300

Cost of Insurance of SmartMedic Million is RM776 (annual) for my age now, which I think it is worth the upgrade. 

Now when can I successfully persuade my mum to give up the old insurance

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I also go through HLA Medishield III Rider, however the Cost of Insurance is RM870 (annual, R&B 200, no deductible) which is more expensive than GE one. However, it can be customize by deductibles. 

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Prudential Medical Rider PruMed is around RM705 (annual,  R&B 200, deductible RM300)