perhaps if next time the person whom they are sending to you,....
if that person that is coming were to call you first,...
perhaps ask / confirm with him some details first...
so as not to waste your time, .... waste of his time is ok as it is his job and his work arrangement. He can learn a thing or 2 from you too.

Majority of the agent all I meet don't know anything about etf investing. Speaks volume about their knowledge.

I can do about 8 takaful companies for comparison.

It'll not be free since you'll be taking my time.

Any Prudential agent in here ?

Should be "yes"
Anything?

Yes I am, what can I help you?

Recently, I look at Total Multi Crisis care, it stated that 50% claim for Early Critical illness.
Let say my sum insured is 100k.
I get 1st stage of a critical illness - claim 50k.
if let say the illness go to intermediate stage - claim another 50k? or only can claim another 50k when go to late stage?

Thanks

cchin8888
as long as early / intermediate stage = 50k
same illness escalate to late stage = remaining 50k

For Total Multi Crisis Care, you'll get 50k upon early / intermediate. Should it progress to Late Stage subsequently, then the balance 50k is paid.

Hi, what are the options for rider medical coverage without ILP? A PruBSN agent said they have one product where the investment is taken care of by the insurance company and the insured person doesnt need to choose which fund to invest to etc (think it was total care or something). Downside was no cash value but i think most ppl wont be looking for cash value, but more for offsetting future medical inflation. Didn't get into too much details but wanted to see if Pru conventional insurance has anything similar?

If you are looking for standalone conventional prudential medical insurance it doesn't exist unless you want to buy the online version with coverage of RM100k, with no agent involvement.

Only islamic takaful version have standalone insurance.

Paging for roystevenung

This post has been edited by Ramjade: May 28 2023, 04:19 PM

There is only term insurance if you wish to opt without investment.

There is under conventional but the product is not the latest

I see, thanks for the replies.

so mean when early stage claim 50k, if illness go to inttermediate stage cannot claim anymore and need wait it goes to late stage only can claim remaining 50k, my understand correct?

Correct

If you want multipay critical illness (all stages) try singlife. Go via moneyowl. It's cheaper than most critical illness insurance in Malaysia. Downside is you need to travel to Singapore to sign the insurance and all documents (medical report) need to be verified by notary in Malaysia before posting down to Singapore.

Upside is they give you rebate of 30% of your first year premium.

I am not affiliated/commissioned by or with singlife or moneyowl but I sign-up with them for the following
1. Way cheaper premium than what Malaysia side can offer me.
2. Multiple payment for all stages. Even early stage they pay out 100% unlike Malaysia part.
3. They give rebate for first year premium. Which no insurance company in Malaysia does.
4. More payout than Malaysia companies (if you need it).
5. Not sure 2-3x the original coverage with advance stage (can't remember).
6. In short better value for money than what Malaysia offer.

This post has been edited by Ramjade: May 29 2023, 12:22 PM

REcently i received offer for upgrade from pruvalue med into PRU million Med with med Booster.

Any comment ? Should or should not take it.
Any tricks or unknown catch i should know ?

Pro You'll enjoy a better coverage
Con pay more on the cost of insurance since the coverage has improved.

This post has been edited by lifebalance: Jul 6 2023, 11:57 AM

Is it a significant upgrade for the amount paid now.
The quantum of future premium fees payment few years later (by age is it available ?)

Refer to the upgrade offer that you received. The necessary info should be provided.