Hi roystevenung,

My 1st medical card PMM with annual limit 50K, lifetime limit 150K was bought about 10+ years ago, i did an upgrade of the lifetime limit to 500k few years ago (I think I pays 10-20% more for the upgrade, I cannot remember...initially i pay rm170++, it increased to rm200 for the upgrade).

Recently, I received a notice from Prudential, the increase of the insurance charges of another 12% (need to pay about rm225 per month) and gets lifetime limit to 520k. (My family members are having the same plan - 4 policies, all of us need to pay extra of 10-12% each).

After some thoughts, i think the annual limit is more important than lifetime limit, it is better to maintain the currrent premium. If it is possible to revert the plan back to the initial plan (annual limit 50k, lifetime limit 150k) and keep the premium at the current price?

I have quite a few policies from other insurance companies and my insurance bills (inclusive family members' policies) cost about rm1500+ a month (almost 20k a year).

Thanks in advance.

This post has been edited by clickNsnap: Apr 29 2017, 09:43 PM

Sorry but downgrading of the plan is not possible as the initial plan has been superseded with the RM500K lifetime limit plan.

Since you say you have policies from few other insurance company, you may want to sit down with your agent to do an overview review of all these policies.

If you there are areas that you can adjust for example lower down the life/critical illness you may also do so as to keep the premium manageable.

Thanks for your advise, roystevenug.

Most likely I will bear with the increase of premium this time and hopefully no more additional cost from Prudential in the next few years.

Btw, i noted my premium devided into two parts; health medical card and investment link, can i remove the investment link part, just need the policy for health medical protection? I don't mind has no return from this policy, will this lower the premium?

Thanks again.

Yes, that is why I suggest that you do a review with your current agent of the benefits and see what you can reduce.

For your information, the Insurance charges (especially if the plan has a medical card) is not guaranteed and is subjected to increase if need be. This applies to all insurer, not only Prudential.

Noted and thanks, roystevenung.

Will check with current agent or drop by Prudential office and find out.

hi sifu,

current aged 26; male.
my existing plan is pruhealth room board RM200 expired age is 70 aged.

i am thinking to upgrade to pruvalue med.. 1mil & cover up to 80 aged.
because thinking up to 70 aged looks under coverage.

but need to scarifies the NCB (RM300) yearly.

Kindly please advise, should i upgrade or remain?

If you are worried of the "under coverage" the "up to age 70" should not be your main concern but rather the annual limit of the plan.

For PruHealth (PH) Rm200, the annual limit is Rm75k with a lifetime limit of Rm750k. The PruValue Med (PVM) gives Rm1m Med Value Point (MVP) with no lifetime limit (subject to your medical plan expiry age).

Whether or not to take up the upgrade is your choice but looking at the medical inflation, it is recommended for you to do so if your budget allows.

I had a client having chest pain and near blackout on second day of CNY, rushed to emergency ward and did an angiogram. One of her veins was having 40% block and the angiogram alone already costs Rm12k (which was about Rm2k in 2006).

The insertion of a permanently placed pacemaker can costs up to Rm100,000 at a private hospital and the annual limit will definitely be a concern.

This post has been edited by roystevenung: May 3 2017, 10:37 AM

Wonder why not considering extending age limit as well? is PryValue Med able to be extended to age of 80 or 90?

If the budget allows, of course. Everything comes at a cost.

PVM is able to be extended till age 70, 80, 90 & 100

Kept seeing tonytyk trying to reply to post (notification in my email) but cant see the actual post. LYN glitching?

Hi roystevenung,

I downloaded the table for PRUvalue Med from Prudential website, is there any other charges other than stated in the table?

Thanks in advance.


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been a while since my last log into this forum
at your age & current plan now . . . if you have the budget,
its great for an upgrade to PVM age 80 will be sufficient

The premium rates acts as a general guideline as it is not guaranteed and subject to change. You will also need to look at other riders in the plan, for example life insurance and critical illness.

I thought the PRUvalue Med plan cover admission of hospital and 36 critical illness? We need to pay for additional charges for critical illness?

By the way, if I am looking for maximum medical card protection, minimum or zero on life insurance/invest return, what is the premium for male, non-smoker, office worker, entry age next birthday 46-50 , hospital daily room & board of 100 and 200?

Thanks again.

This post has been edited by clickNsnap: May 5 2017, 12:12 AM

The medical card do has its own Exclusions of what is covered and what is not covered. To get a better understanding it would be better to have the agent explain to you or you may read up the Exclusion page in the brochure.

Examples of what is not covered under the medical card, AIDS (even though it is payable for Full Blown AIDS & AIDS due to Blood Transfusion as mentioned in the 36 CI Definition). Reason being, there is no cure for AIDs.

Dental surgery including removal of wisdom tooth is not covered, unless it is necessitated by an accidental injury.

Male Non-Smoker, Age 46 Next BD
RM10K Life/TPD, RM1M PVM, RM100R/B, Expiry Age 70, with RM300 Med Saver, RM210/mth
RM10K Life/TPD, RM1M PVM, RM100R/B, Expiry Age 80, with RM300 Med Saver, RM285/mth
No payor/waiver

Thanks for the prompt reply, roystevenung

This post has been edited by clickNsnap: May 5 2017, 02:38 AM

umm Roy.. just been scrolling through.. prudential cover pacemaker meh? in my policy book and in any other policy books it stated that external or internal pacemakers are not covered.. or am i missing sumthin here?

Internal and permanently placed pacemaker, yes. Temporary pacemaker no.

Is there any issue to insure till 70 for now and extend to 80 or 90 later?

The endorsement (changes to the policy) to extend the medical coverage from age 70 to age 80/90/100 is viewed as an added risk to the insurer as it prolonged the medical coverage term.

Therefore a medical underwriting is required during the application for upgrade.

For people with no health issue there is no issue to upgrade, but if our health changes, then upgrading or even getting a new policy may be an issue. For example if we had cysts removal a few times, the cyst or its complications may be excluded from the upgraded policy.

Prudential did offered Guaranteed upgrade (without the need to do Medical Underwriting) before for policies that has not been claimed, but that is only happen once in a blue moon