1. No, as even PRUhealth is a medical rider that needs to be attached to an ILP plan. The good thing about this is that we can add in rider that waives the policy in the event of Total & Permanent Disability or Critical Illness. Stand alone plan is unable to attach waiver riders.

2. For in-patient (ie, if we are admitted to the hospital, the minimum co-insurance is RM 300, 10 % of up to a maximum of RM 1K). For outpatient the minimum co-insurance is 10% up to a maximum of RM 2K). Cancer treatment & kidney dialysis are considered as outpatient.

3. Accidental has never been a problem to claim at private hospital as there is no waiting period for accidental cases. However for medical condition like cancer, tumor, cycst, polyps, ENT, stones etc have 4 months waiting period. Do check the exclusions on the brochure on the specified illness cover.

4. If you attach auto-upgrade the premium you are already paying upfront hence it'll still follow the old plan's premium (meaning you dont have to pay extra) when upgrade occurs. However, when auto upgrade occurs, the insurance charges will follow the new plan. As for the NCB, it'll follow the new plan NCB.

Do note that auto-upgrade feature can only be attached to plan PH300

5. Auto-upgrade can only be attached to plan PH300. Some like PRUhealth while some think's it's a hassle to pay the co-insurance. Hence PRUflexi med was introduced. Its a matter of preference and affordability.

What it mean is that at age 60 till age 70, the insurance charge for PH 150 is are projected to be RM 2449/year until age 70.

Are you saying auto upgrade is free if I holding a PH300 plan? What is 60 to age 70 insurance charges for PH300 per year based on projection?

Are you saying auto upgrade is free if I holding a PH300 plan? What is 60 to age 70 insurance charges for PH300 per year based on projection?

guys, i decided to ask question here, until i am ready.

1.PRUflexi med and pruhealth ,, which is more expensive?
2. PRUflexi med and pruhealth, do both of them provide med card?
3.
-PRUflexi med and pruhealth, why expiry age 70, but premium rate stated until age 60?
-expiry age 80, but premium rate stated until 70?

i think there is a bit of misunderstanding, my question is in the pru flexi and pru health brouchure, there is a table of premium.

for expiry date 70, the table only state premium up to age 60 only, my question is why premium for age 61-70 are not stated in the brochure?

I do believe co-insurance is better, if at retirement age, and if anyone cant pay even a 1k medical bill, then the fellow probably have a failed retirement plan.
other enquiries:
1. can i have  pru health standalone without attached to investment linked?
2. can i confirm again, co insurance min 300 max rm1000?
3. do hospital medical bill for accidental injury claimable? i mean broken leg, at private hospital few days
4. if i pay additinal for pru health auto upgrade, will the premium follow the new plan or the original plan, how about No Claim Bonus? ,NCb follow the new plan or the original plan.
5. i do think the pru health auto upgrade is more attractive than pru flexi, pru 150 can be pru 400 by auto upgrade...

Hai Roy,

Is it better to take a new zero deductible plan for Pru Flexi Med with min coverage like r&b RM150 and annual limit RM50K or auto upgrade the current Pru Health plan?

Please advice.

Thanks

Hai Roy,

Is it better to take a new zero deductible plan for Pru Flexi Med with min coverage like r&b RM150 and annual limit RM50K or auto upgrade the current Pru Health plan?

Please advice.

Thanks

It all depends on your budget because even if you want to take up auto upgrade, you need to have PH300 as the auto-upgrade can only be attached to PH300. PH300 gives you RM100K annual & RM1M lifetime. 

Do note that auto-upgrade feature can only be attached to plan PH300

Dear Mr. Roy,

can you please confirm this?
I found this at flexi health brochure, i was hoping a pru150 can be pru 300 in 11 years

[attachmentid=3099717]

Dear Mr. Roy,

can you please confirm this?
I found this at flexi health brochure, i was hoping a pru150 can be pru 300 in 11 years

[attachmentid=3099717]

can i ask something about Prudential from any agent here?

Any medical card plan to recommend? I found out my GE plan is not enough to cover since I bought it 10 years ago

Is there any way to upgrade my existing pruhealth100 to a higher annual lifetime limit?
How much additional premium I need to pay for?

*Pruhealth 100 you will be able to upgrade to Pruhealth 200 with 75,000 coverage or Pruhealth 300 with 100,000 coverage P.A
*if you prefer a lower co-insurance & greater coverage Fleximed will be a better plan i would suggest 

Can someone please explain to me why is prudential medical card so expensive as compared to Great Eastern? At my current age of 35, Prudential PMM3 charge me RM104.xx per month. While Great Eastern Smart Medic 200 with higher annual and lifetime limit costs me only Rm43.xx per month.

I can't imagine how much it will cost me when am getting older and older (although the monthly premium doesn't change).. .. thinking of cancel my PMM3 medical card as I wish to keep only one medical card.