<< PRUvalue med Brochure >>

Dear PruSHIT, I'm seriously fed up with your company. Is a bad service that I've been gone through. Write in to your complaints mgmt via email which I get a auto reply said will reply Me back within 5 w/days but is now two months passed still no response. I called on yesterday. Line is busy and get response said will return my call within two hours. Now the call center are closed. With a brand call largest insurance company in Malaysia. But the service is lousy with no any standard. Really disappointed a consumer who pay money to you every month. very disappointed with your service, VERY slow even though asking for 3 week before..no any answer for me!!!

Please calm down. How can I help you? What seems to be the problem?

My no is 016-451 5957 if you need to Whatsapp or call. Email is stevenung1971@gmail.com


This post has been edited by roystevenung: Mar 15 2015, 12:54 AM

unker, i still do not understand between this and normal medical card benefit.

what the different ya?

Is it true new policy no longer have allowance for hospitalization?

its additional rider.

u pay extra $$ for premium, then u will get the allowance.

Visit my blog for more.info

Yes, its being removed due to abuse. People claim this to pay for the premium pun ada

Those who already bought it earlier will continue.

Yes, everything is cost

updated on some information . . .

If i buy pru med value plan R&B RM100 with med saver, but I stay at R&B RM500, so how is the calculation?

is prudential only for health insurance?

any for general insurance?

What would you like to insure? Car or property?

Balance own self pay lor

we do have general . . .our general division only takes certain risk like motor, PA & non commercial property fire insurance.. . .

If wanna underwrite other types of risk, i'll prefer you go for a company that deals only on general insurance
as their coverage is more comprehensive. . .
Personally i'm representing MSIG & ACE as well, if have any inquiry can post here

Been wondering why so many of my friends quit jobs and become prudential wealth planner. Somebody care to explain to me? How is their salary calculated? Is it based on how many person they got to buy the medical card? For example find 1 person then can get 10% commission while the person still paying?

Just curious. Thank you.

entrepreneurship . . . usually people who quit a job & join sales line is because maybe not satisfied with their current job or maybe then wanna try something else in their life
Well last time was like you say, as an agent their salary is 100% base on commision, each policy sold will grant them about 10-35% on average commision earn depending on the product.

As for now, if you have a degree in any class, you have a chance to have a basic salary of RM3,000 for the 1st 2 years under our EDP program. Training & etc will be provided & of course there is a minimum sales target that you MUST achieve monthly.

Simple to say insurance is never easy . . . . but is rewarding if your hardworking & have the network
Agency support is very important as well

Hi, whats the recommendation for a family insurance plan, if I do not want to have any lifetime limit (also minimal annual limit)? any place or website I can check out the full terms and conditions?

Which plan is worth?

The pru med value or the existing pru health plan?

During premium payment, of course PruHealth is more costs effective.

This is because you are expected to pay more if hospitalized due to the co-insurance (Inpatient: min RM300, 10% or max RM1K, Outpatient: 10% up to max RM2K) or high deductible option in PruHealth (RM3K/RM10K).

For PRUhealth, if you attached the Annual Limit Waiver, then the calculation is different. If the bill is less than the selected R&B annual limit, it follows the above inpatient co-insurance structure. Anything above the annual limit, it is 10%.

For PRUvalue med, if hospitalized and if Med Saver is selected, all you need to pay is RM300. If med saver is not selected, then it is full claim (which will naturally have a higher insurance charges).

This post has been edited by roystevenung: Apr 30 2015, 10:55 PM

no plans that are worth or not worth . .. its more to which plan that suite you more

Personally i'm holding a PruHealth card RM100,000 p.a. cover up to age 80. Upgraded once
from the previous PMM series . . . . Have the thought of maybe going for higher limit to RM150K p.a.
rather than upgrading to Valuemed. The reason behind was:

1)I have no problem paying the co-insurance RM300min - RM1,000max or 10% for in hospital related claims
2)The current Pruhealth with RM400 no claim discount / yearly
3)Slightly lower insurance cost for now & also long term basis

This post has been edited by Colaboy: May 1 2015, 12:50 AM

My opinion:

I'll prefer to calculate large value than small value.
I have heard initial treatment of leukemia patient easily used up 200k.

Give and take for minor benefits, the final bill amount is the scariest..