Hi

I have question. For prufleximed, how many days after due date
for policy to be lapsed .Tq

For new policies that are without any cash values, it is 30 days, at the next billing cycle.

However if the policy has accumulated sufficient cash values, the policy will continue to be inforced for as long as the accumulated cash values is able to sustain the insurance charges for each of the riders.

During this phase, the policy may go into partial lapse and upon depletion of the cash value, a full lapse may occur.

To revive a full lapse policy requires the policyholder to pay up all outstanding premium & provide health declaration all over.

This post has been edited by roystevenung: Dec 3 2014, 12:59 PM

Any reliable prudential agent around putrajaya or kajang area.. hopefully some one fulltime agent . would like to upgrade and increase the coverage of mine insurance plan. Call mine previous agent not even pick up mine call.

Thanks

Hi, if i am hospitalised in SG, will pruhealth / pruflexi med covers? or treatment must be in Malaysia?

Yes it does cover but you need to settle the bill in full upon getting discharge from the hospital. Upon your return to Malaysia, you may submit the claim for reimbursement.

The reimbursement will also be based on the standard rate as being charged in a Malaysian hospital. This is because we cannot issue Guarantee Letter to the hospital in SG.

For example, if the heart bypass were to cost SGD 100K, we may only reimburse you RM80K (which is the standard rate for heart bypass).

If you are working in SG, then it is also recommended to get a SG medical card on top of the medical card in Malaysia (if you still have plans to come back to Malaysia).

Disclaimer: The above numbers shown is for illustration purposes only and may differ from the actual rate being charged in the hospitals.

This post has been edited by roystevenung: Dec 6 2014, 10:13 PM

how about for the pru medic overseas ? if attach, then it will cover full bill?

PRUmedic overseas (PMO) gives the policyholder the option to seek overseas medical treatment in China, Hong Kong or Singapore for 5 types of covered conditions:

1. Surgery related to cancer
2. Neurosurgery
3. Coronary artery bypass surgery
4. Heart valve surgery
5. Organ transplant (kidney, lung, liver, heart, pancreas & bone marrow)

There are 2 plans for PMO, PMO Gold & PMO Platinum. The annual/lifetime limit are Rm200K / RM 2M & RM400K / RM4M respectively.

The amount provides separate medical limit for treatment of the 5 covered conditions mentioned above.

To answer your question, as long as the bill is below or equal to the covered amount, the bill will be paid upon submission of the receipts & doctor's report.

Do note that PMO is also based on reimbursement basis. Pay and file a claim later.

This post has been edited by roystevenung: Dec 7 2014, 11:33 PM

i see. so it is still better to get medical card in SG, so that any hospitalization can claim full amount, instead of converting to RM and be capped at standard rate as being charged in a Malaysian hospital

If you plan to stay in SG for indefinitely and never come back to MY, then yes. Otherwise it is also good to get a MY card as well.

Do remember that insurance can only be bought when we are healthy.

RM400K is a lot of money, and most possibly its for cancer surgery.

This post has been edited by roystevenung: Dec 8 2014, 11:46 PM

is that true prudential has new plan for BELIA.??
RM45 per month.

never heard of such package offered, but its posible under Prudential Workside marketing plan
which require you to purchase as a group insurance

does prudential have fund saving plan?

you can choose to top up additional investment/savings into your ILP plan as regular savings
or op to get a new plan as regular savings

Of course the fund chosen & duration of savings for example entry & exit point will determine your final return

how to generate the online statement?

You may get your agent's help to generate the statement or talk to the customer service.

Any recommendation of medical and life insurance for

35 years old
Male
Non smoker
Engineer
Married
Everything healthy but high in cholesterol.

Anyone can recommend a plan?

How high is your cholestrol level? Height & weight?

You can consider on PRUFleximed . . . but due to your cholesterol lvl there might be some loading in the premium
Fleximed last purchased is on 31st MARCH 2015 . . . will soon be replace with the NEW Valuemed card

Details on the new medi card will be posted soon . . . but personally the FLEXIMED is the best card ever Prudential have offer . . .

This post has been edited by Colaboy: Feb 27 2015, 03:32 PM

but more expensive...

pls share details of NEW Valuemed card