roystevenung

Hi, do you familiarize with prudential takaful products?

Can i pm you? If it ok i want to ask you few questions about it.

hi..How to determine which expiry age for my policy? my current policy expired on 70 years old. Should I upgrade to 80 years old?

It is recommended to have the medical up to age 80 as generally most major claims only occurs when we are older.

Do note that the premium will need to be paid till age 80 as well.

Hence it requires a bit of planning on how to finance the premium if one were to retire at age 60.

so 2 of my friends approach me, try to subscribe me an insurance plan. 1 is etiqa, 1 is prubsn.

which one should i choose?

PruBSN...

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This post has been edited by abgkik: May 11 2016, 12:18 AM

i have a prudential investment link plan quite long time ago... it about i believe 13 years ago.
the premium is rm150 (previously) increased abit rm15x.xx

1) should i upgrade the plan
2) should i buy additional insurance plan

It is depend on your need..

It's ideal to review your insurance policy once a year if possible for any changes in your lifestyle otherwise you might be underinsured

Yes, it is recommended that you engage with your agent to do a review of the insurance plan as the value of a Rm100 13 years ago is definitely not the same value as of today.

For example, the insertion of a pacemaker device which costs Rm43,000 in 2010 is Rm60,000 today. A knee cap replacement is Rm50k today.

Would you get a life insurance from a general insurance company or life insurance?
Every company specialize in different aspects and pick the one that's good in what you need.


Because it's a comprehensive plan, the best part is you add increase and decrease along the way on what you need and more concern of. Upgrade what you already have started

Contact your agent and do a review once more.

This post has been edited by BuddyALSJ: May 13 2016, 09:21 AM

i signed my medical card 8 yrs ago,

monthly RM180 + RM100 investment link

is it possible to upgrade the plan without increase monthly premium ?

i know there many new plan better benefit

Hi. I am very active person. I actively involved with triathlon, adventure race and ultramarathon. Currently, I subscribed to PruBSN Health Enrich Premier.

Normally before any big event, I buy additional plan from MSIG Take It Easy Sports as it very affordable.

Recently, I just stumble upon plan, Re-Claim by Lonpac specifically for sports enthusiast but the policy is not really easy for my wallet.

Do you think my current policy from Prudential is sufficient for weekend warrior like me? Do I need to buy extra policy specifically for sports?

This post has been edited by SYAMiLLiON: May 13 2016, 11:48 AM

If you're very in sports all the time then the re claim policy seems very good as it's target you specifically as their customer.

However if you're more for a rounded protection then what you have is suffice plus a top up for weekend events

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This post has been edited by Vingoh: Jun 23 2016, 12:51 PM

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This post has been edited by paklee: Jun 29 2016, 04:18 PM

My friend has a Pru Lady card.. She went to clinic and discover gallstones. One of the gallstones are big and require operation to remove. But doctor mentioned that its not urgent to remove.

So, if she go to private hospital, can she claim for the operation?

PruLady is not a medical card, rather, it is an added cover for female illnesses.

Click -->>PruLady Cover

For gallstones removal she needs a medical card in order to claim. Does she has a medical card?

Hi, I'm having PMM100 series 1 bought in 2001. Does outpatient kidney and cancer treatment still with 10K annual limit? Recall received some company revision on annual limit 50K to 62.5K, but any changes to the 10K annual limit for outpatient? Thanks.

For PMM1 the Cancer Treatment and Kidney was revised to Rm50k.

However you may contact your servicing agent on whether your policy is selected for upgrading to PruValue Med which gives Rm1.5m on Cancer Treatment and Kidney Dialysis.