In layman terms, the NML is the total amount of insurance a person had bought for life+critical illness.

HE2 can only upgrade within the HE2 series and not able to upgrade to the new Health Protector (under PruBSN).

However, client is able to hold 2 medical cards HE2 + Health Protector (with the new Waiting Period)

Transfer of Medical card from PruBSN to Prudential Assurance Malaysia Berhad (PAMB) is not allowed to prevent agents from twisting of policies to get sales.

No but its claimable under the medical card provided that the card has surpassed the waiting period based on the when the symptom had developed.

Emergency Treatment for Accidental Injury is for claims which are accident in nature.

I will PM you the forms later tonight when i get on my computer.

As far as I know it is no cover, as “astigmatism” falls under the Exclusion for medical card.

The newest medical plan from Prudential is called PruMillion Med with a minimum of RM1.38M annual limit. Moving forward, it would be better to look at that option for the medical upgrade.

As for the rest, it would be best to discuss with the agent on why you need RM150K for Death/PD/CI/Accident Death.

This post has been edited by roystevenung: Nov 13 2018, 10:52 PM

Major differences is that PMM has an annual limit of RM1.38m (with higher insurance charges naturally) as compared to PVM. For PVM, if one is able to claim up to RM1M cummulative, Prudential will pay 80% of the bill, whilst client has to pay 20%.

Cancer treatment and kidney dialysis is claimable up to RM1.5M for PVM as compared to PMM that has an annual limit of RM1.38M.

Better coverage but higher charges then PMM, otherwise PVM.

So far i have yet to see anyone claim out >Rm500k from medical insurance and yet surviving.

First off the PruWith You is just the basic plan that covers Death/Total Permanent Disability. Unless you add the rider of the Medical Cover (such as PruMillion Med, PruValue Med, PruHealth), then you may be eligible for the claim (subjected to the waiting periods of up to 120 days).

May I know what kind of illness/incident are you trying to claim for outpatient at the hospital? :confused:

Though you may get a faster answer from asking your agent directly, which is why you chose to buy from that agent, no?

This post has been edited by roystevenung: Dec 17 2018, 11:38 AM

If the lipoma happens after the waiting period and it is not a pre existing illness, then it is claimable, otherwise the claim may be declined.

The procedure can be claimed under day surgery subjected to the above mentioned.

1. If it is just for checkup then no, it is not claimable as it is considered for investigations purposes.

2. However, if it resulted in a surgery as necessary then it is claimable. Most of the time the Dr will schedule another day for the surgery, of which during this time the hospital will arrange with the insurer the issuance of the pre authorization letter (formerly known as Guarantee Letter).

You will be need to pay for the doctors consultation for the first visit, which can be claimed once there is a surgery. This is commonly known as pre hospitalization cost.

After the surgery there will be follow ups, which you have to pay and file claim to the insurer.

There is no brochure other than Infographic and some explanation for PruWith You
PruWith You Infographic

PruMy Medical Plus

No, i highly doubt that if you surrender now, you will get anywhere close to your principle due to the following...

1. Market situation at the moment, for most funds, in general are on the low side, resulting in lower cash values as projected.

2. The upfront wakalah charges for the first-third year is 75%, 60% & 40% respectively. This means if you are expecting a profit, the funds must make more than 100% for the 1st year!

3. Buy insurance with protection in mind, not to make money.

You can read more on my blog - - - >>>Insurance 101

You can ask for a statement or register for online PruBSN Touch to view the policy values online.

Sekian harap maklum...

This post has been edited by roystevenung: Dec 23 2018, 10:37 AM

It would be best for you to discuss with your agent on the options (after you check the latest cash value in the policy).

No. Just use >> PruAccess Website << to check the status of your policies online.

My personal view is that if you are able to stomach the risk and that the company insurance is sufficient to care for the kids, then terminating it should not be an issue.

a. Yes, do look at the mthly unavoidable expenses such as food, clothing, house expenses, loans, utilities as a base to calculate your needs.

You may also want to plan ahead by looking at tuition fees, and day care for the kids as without you, the spouse may have to work.

b. See above

On © I would suggest to have sufficient Critical Illness, as even though she is a home maker, she also contributes by taking care of the kids. Try sending 2 kids to full day care and you will understand where I am coming from.

It is highly dependent on whether the "health issue" has been resolved, whether any recurrences and how long ago.

For eg, if admitted once for bloated liver, a loading of 25% may be imposed if the admission was recent when applying for the insurance.

After 2 years of non recurrent, you may ask your agent to help apply to remove the loading.

In other cases like breast cyst (after remove) it may require longer

For those interested to follow this discussion on this issue pls click below.

Link to response

My personal advice is buy insurance for its protection values, not for savings.

You may click on my blog which further explains the above Insurance 101

The Point of having insurance is to have sufficient cover during our "save/invest" period.

When we are unable to save due to illness or death, the insurance payout can be use for family expenses or to settle our loans/credit card/bills etc.

I suggest you discuss with your insurance agent if you are looking at that.

A pre-existing condition is very wide as it means the problem was already there before the insurance was taken up.

Otherwise people will just wait until have Cancer to apply for a health insurance.

For example client had gastritis when applying for the med card and loading of 25% with Exclusion on gastritis was imposed on the medical card.

After 2 years of non recurrent of gastritis, we applied to have the exclusions removed and it was approved.

If it is not convenient for you, you may PM me the condition of the pre-existing illness, to see how I can help you forward.

That is considered downgrading the plan, therefore theoretically there should be no Waiting Period (WP) provided that your PVM has surpassed all the WP

You may want to confirm with your servicing agent on whether it can be done as the PMM (1st series) medical card is no longer being offered for sales.

EDIT

Poster was asking about PruMillion Med (and not PruMajor Med. PruMillion Med is the newest medical plan from Prudential) offering an annual limit of Rm1.28m with unlimited lifetime.

It is considered an upgrade and there is no Waiting Period (provided that the PruValue Med has surpasses all Waiting Period) if done as a transfer of medical card.



This post has been edited by roystevenung: Mar 7 2019, 10:29 AM