Just got my quotation for MRTA and the insurer excluded coverage to TPD arises from spine related diseases / injuries. I believe that was due to my slipped discs back in 2014 which has recovered in 2015.

I tried to negotiate but they mentioned that I went to clinic last year for backpain (due to back muscle pain) and requested me to go for another MRI at my own cost if I wish to appeal for the exclusion.

Just curious if I should spent RM1k++ for the MRI or suck it up for the exclusion

Just got my quotation for MRTA and the insurer excluded coverage to TPD arises from spine related diseases / injuries. I believe that was due to my slipped discs back in 2014 which has recovered in 2015.

I tried to negotiate but they mentioned that I went to clinic last year for backpain (due to back muscle pain) and requested me to go for another MRI at my own cost if I wish to appeal for the exclusion.

Just curious if I should spent RM1k++ for the MRI or suck it up for the exclusion

I wouldn't call it pro/con as like Colaboy said, its up to individuals based on budget & needs. However the new PruFlexiMed do look interesting.

Here is a list of differences between PH & PFM.

1. Daily Room & Board choice:
  - PH is able to choose which plan they want, 100, 150, 200, 300, 400
  - PFM, No fixed plan, clients can choose based on their budget & needs,
              Min 100, increment in the multiple of RM50, Max 400
              Payments under R&B for PFM does not reduce the annual limit
              If you stay in a lower R&B, we will pay you back the difference

2. Outpatient treatment benefit:
  - PH Prehospitalization, 30 days before admission
  - PFM Prehospitalization, 90 days before admission

3.  Emergency Treatment for accidental injury
    - PH, depending on the R&B selected, 1K, 1.5k, 2k, 3k, 4k
    - PFM, 2% of the annual limit

4. Annual Limit
    - PH, depending on the R&B selected, 50K, 62.5k, 75k, 100k, 150k
    - PFM, min RM 50K, increments in multiples of RM 10K, max RM200k

5. Lifetime limit
    - PH, up to 10x annual limit, if annual limit is RM 150K, lifetime limit = 1.5m
    - PFM, up to 20x annual limit, if annual limit is RM 150K, lifetime limit = 3m

6. Co-Insurance
    - PH, Inpatient 10%, Min RM 300, Max Rm 1k. Outpatient, 10%, Max Rm 2K. Deductible choice of RM 3K or RM 10k
    - PFM, deductible of RM 0 (no co-insurance) or a Rm 300

7. No Claim Bonus
  - PH, depending on the R&B selected, Rm 100, RM 150, RM 300, Rm 400, RM 500
  - PH, able to attach PruAnnual Limit Waiver, if exceeds annual limit, client just pay RM 10% co-insurance on the balance
  - PFM, Not available for NCB

8. Exclusions, PH & PFM no difference.

Other features not mentioned here are the same between PH & PFM.

Due to the No Co-Insurance / RM 300 co-insurance the premium for PFM is about 10% more than PH.

Hi,

Does anyone know why i cant pay online? (all the while i pay online no prob)

Is it possible due to increased premium?
because my premium last time is RM330, this quater increased to RM366

Thanks.

Yea, you must pay base on the new premium amount.

New premium is RM366.
And inside my pic i key in RM366 failed.

Try refer to the tool tip beside the "Amount to pay" and see what it says.

I bunch of words which i dont understand

Hi,

Does anyone know why i cant pay online? (all the while i pay online no prob)

Is it possible due to increased premium?
because my premium last time is RM330, this quater increased to RM366

Thanks.

Hi,

Does anyone know why i cant pay online? (all the while i pay online no prob)

Is it possible due to increased premium?
because my premium last time is RM330, this quater increased to RM366

Thanks.

Try this
https://epay.prudential.com.my/pru_cpp/

Hi sl3ge , try input 732
Because today is 1st of July already

thanks it works

Cant. Prudential cannot pay next month/quarter premium.
If i key 732 mean i am paying next quarter premium.

Try again tomorrow afternoon/evening (2nd onwards). Few of my clients also been having issue unable to pay on the 1st as the due date is 1st.

Maybe programmer tertidur, ">=" <> ">" 

Already feedback but maybe need RM70M to fix   

U may need report to ur HQ,
If premium increased,
cant pay in website.
Maybe the system still think it is old premium, therefore cant pay.  (cant overpay).
Got bug

i thought you did try the "old" premium yet still cannot?

"I even try RM330 also failed."

see my above post,
i go this website succesful pay RM366
https://epay.prudential.com.my/pru_cpp/

see my above post,
i go this website succesful pay RM366
https://epay.prudential.com.my/pru_cpp/

so this link provided by lifebalance worked, while your initial site does not work.....
so it is the link