Hi,

may i have your recommendation on room & board benefits. currently i entitled to rm350 a day, is there any way to reduce it to 250 because i find it more than enough if i can reduce it to rm250 per day. TQ

As far as I know there isnt a Prudential medical plan that has Rm350/day Room and Board.

Anyho, yes you may downgrade the room. Rm200/day room currently able to get a 2 bedded room with Prudential corporate rate.

PM me your policy details or seek advice from your servicing agent if you need further assistance.

i have it here sir. rm350 feels like too over for me.. Thanks for the recommendation.

if you reduce this room rate from 350 to 250 per day.... how much premium $$ will you saved per year?

mind telling after you found that out?...thks

I see, that PruFlexi plan has been discontinued.

You may ask your servicing agent to upgrade to either PruValue Med Rm1m Med Value Point or PruMillion Med Rm1.38m pa annual limit as compared to your current Rm50k annual limit

sure, i will let you know here.

noted on that. once upgrade, premium per month would increase too right?

There is a slight chance that it is nott necessary to increase the premium as PruFlexi Med (Full Claim) + Hospital Income (built in into the room & board) commands a higher insurance charges as compared to the PruValue Med (PVM) / PruMillion Med (PMM) with a RM300 Deductible (that you need to pay yourself).

Get a quote from your servicing agent for a RM100 and RM200 R&B PVM & PMM for comparison purpose.

For PVM, you can also ask your servicing agent for a quote for RM300 Deductible & full claim before deciding. For PMM, it is fixed RM300 Deductible as there is no option for a Full claim.

My advice - to lower the monthly premium/COI, is to get the RM300 deductible as it is not always we get admitted to the hospital.

This post has been edited by roystevenung: Jan 21 2021, 02:13 AM

well explained. thank you so much. would considered about that.

https://www.prudential.com.my/export/sites/...e/prugrowth.pdf


288% true??????????


5 pay 20?

https://www.prudential.com.my/export/sites/...e/prugrowth.pdf


288% true??????????


5 pay 20?

Page 6/14, 10 PAY 30

288% of BSA

4. If you select 30 years of policy term, the total entitled Annual Booster at maturity comprises 288% of the Basic Sum Assured.

The BSA is not compounded. Can't say much here

Can we buy insurance if we are overseas now?

Yes, Prudential is offering Protection Relief for Existing Prudential Customers Abroad (PREPCA) to Malaysians staying/working abroad but is only limited to Singapore and Brunei

Do get in touch with your Prudential agent to know more.

Good to know! Does that mean only applicable to existing prudential customer not for new to prudential customer?

It is applicable to new/existing customer.

Hi, I notice that the 'Accidental Death Benefit payable' is missing from the 2020 statement. It is not stated under the Death Benefit and Surrender Value table. Is it the same for you guys too?

The accident riders or PA is not entitled for Tax Relief, this is why it is not showing in the Life Assurance Premium Statement (LAPS) as the LAPs is use solely for the tax relief purposes.

This is referring to the ILPS statement.

The 'Accidental Death Benefit payable' is shown at 2019 ILPS but missing from 2020 ILPS. Any idea why?

Check with your servicing agent. My 2020 ILPs statement is showing the Accidental Death Benefit.