I see, okay. I will ask the insurance agent about this too. Thanks.

This item can be claimed under pre-hospitalization.

Hi, need to inform Prudential about this claim before obtaining GL?

Thanks for your prompt reply!

This post has been edited by Ditto(._.): May 9 2022, 10:19 PM

You may file for the claim after your hospitalization since you would have paid first for the consultation.

Okay, thanks for all the answers

Anyone got this?

My experience claiming for my family member

As long as your hospilisation was claimed to your policy they have the record

So after you were discharged, prepare all your receipts pre / post hospitalisation and bring to their service centre or you can ask your agent to do it

The service centre filled the form for us and submitted together with the receipts and the money received in bank account like within a month

I forgot how many days pre or post but you can get the info from your policy document

As long as the receipts dates are within the timeframe, same doctor and brief descriptions match should not have issue getting approval

Thanks bro. Totally no experience in this, so getting pieces of info here and there.

In theory, but this could be wrong. The charges are deducted proportionately deducted from each fund based on the value of the fund.

If fund A - rm600
Fund B - rm400

If your charges is rm20. Then rm12 (60%) will come from fund A, rm8 (40%) will come from fund B

But this question only a very geng agent or customer service can give answer. You can try ask the customer service. I'm throwing darts only.

My agent came and give me a form below named Revision in Exclusion Clause Reply Slip.



After i read, i decided to not sign it but my agent tell me it is compulsory? Is this true?



This post has been edited by ys671: May 27 2022, 02:30 AM

may not be related to your situation/case....tis is just kaypoh info while you wait for real insurance sifus to response

i googled and found this from PRUBSN....

1: What is “communicable diseases requiring quarantine by law”?
Communicable diseases requiring quarantine by law refers to infectious diseases or transmissible diseases that are declared as required quarantine under the Prevention and Control of Infectious Diseases Act 1988, such as COVID-19 mentioned under the Prevention and Control of Infectious Diseases (Amendment of First Schedule) Order 2020.

2: What is the impact to my contributions and Tabarru` deduction if I accept the revision to remove the “communicable diseases requiring quarantine by law” exclusion clause?
There is no immediate change to your current contributions rate and Tabarru` deductions amount when you accept the revision to the exclusion.

However, as we continue to regularly review the contributions and Tabarru` deductions against the healthcare cost to ensure that you are always adequately protected, the future contributions and Tabarru` deductions review will take the Additional Coverage (i.e. coverage for “any communicable disease requiring quarantine by law”) into account.
This is to ensure fair treatment to all certificate holders of the medical plan.
We will notify you based on the notice period below prior to future revision of Tabarru` deductions and contributions,

4: What happens if I do not respond before the end date mentioned in the letter? Will I be able to accept the revision in the future?
This revision to the exclusion clause in your medical plan(s) is a limited period offer to you.
If you do not respond to us before the end date, the terms to your medical plan will remain unchanged and continue to exclude the coverage for “communicable diseases requiring quarantine by law”.
Any submission after the end date will not be accepted."

there is this note too:
#Note: As we regularly review our medical plans, future contribution and/or Tabarru` deduction review will take into account the pandemic protection.

https://www.prubsn.com.my/en/campaigns-anno...mic-protection/

Sometimes I wished insurance policies were written in more straightforward manner. Are they saying, since C19 we are surprised so many people claimed so now sign this to agree for us to increase payment if another pandemic in future??

I oso have my agent this month asked to sign on some changes to the medical card, related to the extension to 100 years old. She oso said must sign but I have no idea what’s about??

This post has been edited by segiempat: May 27 2022, 07:39 AM

my take,...
even if you don't opt in,....

do you know that premium for medical insurance will be subjected to frequent review and upward price increases?

there was a thread that cater for that in LYN forum too,...
medical insurance cost sudden increase 29%, normal !?
https://forum.lowyat.net/topic/4753108

You applied for an upgrade previously and accepted an opt-in campaign that prudential had. Then this is a requirement to accept the revised tnc.

Guys, i know what this form for. My main question is, is this compulsory to sign? From what others reply here, it looks like this is optional. Haiz. Always met dishonest agent.

This is not compulsory to sign if you don't agree with the revised TNC as I've mentioned earlier.

Hi, was not talking about you but my own agent. Sorry if any misunderstand.

I would not label he / she is an dishonest agent just like that.
Gives him/her some benefits of doubt... For she may not know, miscommunication from source etc.
Why not ask him/her to directly confirm that requirement with his/her HQ? Tell tell you the results again?

For my case, my Pru agent rajin ask me to sign and extend coverage from 70 to 100 years old because she ll get extra commission if I do so.