Hi guys is prulink one a good plan or should I get separate life insurance and medic card?

The thing about cancer is that it may not be a one time off thing as cancer can relapse.

You may get a quote for both options and decide from there.

whats the best for a newly wed couple, looking for a new insurance plan that can cover accidents & pregnancy?

for women in general, PRUlady is one of the best female protection plan you could have. apart from that, PRUvalue med will cover medical expenses plus some pregnancy complication-related illnesses too. try to explore that

got insulance cover pregnancy meh??

try tis?....hope the answer to your question can be found there
insurance for pregnant topic
https://forum.lowyat.net/topic/2580239/all

medical complication only right

i thought oso got cover the delivery ..lol

i think same as motor insurance...lah..
they don't cover the petrol...lol

hello i want to ask whether family history factor effect insurance premium ?

It may, depending on the type of history, for example if both parents are Thalassemia (or any genetic illness), the Underwriting may require the child to specific test to determine if the child is affected.

Terms and conditions vary depending on the results of the report.

oh how about history of cancer? what happen if we did not disclosed the information ? how is the calculation of premium and underwriting is done?

As mentioned it depends, example if in the family has 5 siblings and 4 of them has had a cancer episodes as compared to only 1, then the Underwriter may consider it as a standard risk whilst the one with 4 siblings down with cancer may have the policy declined.

Failure to declare any material fact that has substantial impact on how the policy is being underwritten falls under non-disclosure, therefore voiding the policy especially during a claim.

You are advised to declare and let Underwriting decide whether it is a material fact.

In short, do not give reason for the insurer to decline the claim on grounds of non-disclosure.

It doesn't matter since they can still deny any claim using the best excuse "too many fraud claim on xxx sickness, now company disallowed this claim".

Sorry. I am not sure whether this is the correct thread or not. I want to ask something about prudential. I have taken prulife ready insurance since october 2012. Monthly deduction is RM200. Rm50 from 200 will go to saving.

My question is, is truth that i cannot withdraw my money from those saving portion? My agent said that it is not mature yet.

There is no maturity dates for PruSaver so to speak as PruSaver rider is not like the term policy which has shorter maturity dates. You can open up the policy book and see the maturity dates for PruSaver.

Depending on how the fund perform you may withdraw the cash values. However looking at most of the funds going down (as compared to early last year) at the moment, you may want to hold on to that thought.

Be warn that if you were to withdraw all of the cash values (if any) your policy may be at risk of needing to be top up (pay extra premium) should the fund performance goes further down or when the insurance charges goes up in later years (if the premium paid is insufficient to cover for the rise of the insurance charge.)

On top of that, the policy is only 2-3 years old, I highly doubt there is much to withdraw. You may ask the agent to snapshot for you how much is the current cash value.

Alternatively you may register for << PruAccess Customer Portal >>

This post has been edited by roystevenung: Jan 22 2016, 10:41 AM

hi, my age 26, going to 27 by this year of april.
may i know what is not included in the pruvalue med? As far as i know, the Diagnostic Tests is not included (which will cost a bomb if MRI required in future, rm1.2k per scan).
im looking for medical card for myself. also, heard that we should buy for purely medical card without investment linked is the best right? if without ILP the charges for medical card will be increase yearly?

below are the benefit im looking for:
-no annual limit
-cover all medical or any other medical expenses
-high coverage.
-no co-insurance or deductible)

This post has been edited by hsienhsien: Feb 2 2016, 03:25 PM

Medical card does not cover if there is nothing wrong with the person example if the MRI results are negative and/or no procedure to rectify the problem was performed.

Thus the term "medically necessary".

There is no medical card that will cover all medical expenses as the medical card do comes with Exclusions. What is not covered is clearly written in the brochure and the policy document.

For example pre existing illness that has persisted prior to getting the policy.

Let it be known that insurance charges will increase by age irrespective of whether it is an ILP or not. The reason is because as we get older, the chances of a claim is much higher as compared to when we are younger.

For ILP or policy that accumulates cash values, the cash values (if any) can be use to offset the insurance charges thus creating a perception that the policy holder does not need to pay more. This is not true.

Thanks for the reply.
That means the diagnostic test is still cover by pruvalue med except the MRI scan for a healthy person?
if in the long run, which one is the best between with ILP or without ILP?

Is it possible to get your advice how much will it be and which plan is the best for me?

It means that if the MRI is done and is found a tumor the surgical removal of the tumor is covered together with the costs of the MRI.

For example (true case):
A person suffered sudden fits and was warded for further investigation. Several tests were done, which includes blood tests, and MRI.

Test results came back that client suffered a mild stroke.

The costs of the hospitalization and tests performed to determine the cause is covered.

However if a healthy person just wanted to performed a MRI for precautionary reasons, then it is considered as for investigation purposes, which is not covered.

PruValue Med can only be attached to an ILP policy as it is a medical rider.