Please contact the bank that you are using to inquire whether is there any extra charges incurred for using their debit card facility as the debit card facility is provided by the bank, not Prudential.

Alternative payments includes credit card, debit card, atm banking, online banking.

Cash or cheque payment is advisable to be avoided if possible.

For more information you may refer to our website << Premium Payment >>

hi roy,

i thought once claim CI, life sum assured will be reduced to zero? no? as mention above

thanks.

It depends on the type of riders in the policy and of course all boils down to the client's budget.

There are basically two types of 36 CI riders, one that accelerates the payment of the 36 CI (meaning once the 36 CI is claim, upon death there wont be any death payment) AND another that pays during a 36 CI and upon death, another lump sum payable.

Naturally the second one will costs more as the insurer is needed to provide more coverage.

hi, i have a question.

I have already submitted doc for applying the medical card in Aug however it is still progressing as it needs government letter to proceed to next stage, according to my agent it needs 1 to 1.5 months.. My birthday is early November I'm afraid by that time the premium will go up. What can I do about this？

appreciate your kind advise. tq

thanks for the reply...

now i understands.. i heard that that pru ILP once death/TPD due to accident will pay double sum assured?

You're most welcome.

The rider is known as Accidental Death & Disablement - If the accidental Death/TPD occurs while travelling using public transport, elevator or in a burning public building (eg cinema), Double Indemnity (of the sum insured) will take effect.

To be fair many other insurer also offers the same.

It does not really matter.

I assuming you are talking about investment linked, but the same concept applicable to traditional product with cash value as well.

Yes, the premium for medical card depends on entry age, but COI deduction is according to each attained age.
For example, monthly premium for medical card might be 260 for age 25, and 270 for age 26 but the COI deduction is the same at age 26, no matter what your entry age is. The ending cash value will be different as well, and probably higher for age 26 with monthly premium 270.

A simple illustration below, with no investment return and expenses.

Scenario 1
Age 25 26 27 28
Premium 260 260 260 260
COI 100 105 110 115
cash value 160 315 465 610

Scenario 2
Age 25 26 27 28
Premium 0 270 270 270
COI 0 105 110 115
cash value 0 165 325 480



The only actual loss you will incur is the higher unallocated premium (~200% of annual premium) for the company expenses and agent's commission.

Furthermore, premium for medical card/basic sum assured/all other riders usually are flat for each 5 years age band.
i.e. age 31-35 or age 36-40 will pay the same premium. As long as your current age next birthday is not a multiple of 5, you probably ended up paying the same premium.

This post has been edited by yw46: Sep 28 2016, 11:27 PM

Hi, thank you so much for replying. Truly appreciate it.

Got any recommend female insurance?

age 25

life - 100k
accident - 100k
medical card protection - no overall annual limit

please quote me the price

male or femle?

Im trying to get a medical plan for my boy which is going to be 2 in 3 months time. May i know what inputs do you need from me in order to prepare a quotation?

This post has been edited by nekromaniak: Oct 19 2016, 06:51 PM

Payer d.o.b
Payer gender
Payer smoker status

I'm 27 , a male doctor , interested in health card. pm me details tq.

i found out prudential coverage is more expensive than others with similar riders etc....why is it so?

A lot of the time an insurance premium is dependent on how your agent designs the plan for you 🤓

For example:

A sum assured of RM1,000,000 could be RM2,400 or RM3,600 which translate to a higher cash value.

However if you are talking about the Cost Of Insurance, then that's a different story for another time.

Best,
Jiansheng/Holocene

its more premium class

For a kid couple of mths, the insurance i compare pru vs others, i can see the premium is higher. Say rm150 per mth premium, offer same 1 mil unlimited medical coverage, but pru has to pay coi. Also, the life insurance coverage is so much different...at least pru premium is about 20% higher....any idea?

Is very hard to have conclusion unless u can share the illustration comparison...

Any agent here?

Pls PM me for PRULady medical card.

Thanks.