PruHealth is under the new policy contract since 2008 (or 2009 cant remember). The older PruMajorMed cards are the ones that does cover the long term medication, take home drugs.

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Added on April 10, 2012, 7:33 pmJust wondering whether you've found another agent, if not, I'd be glad to help you understand the benefits / limitations of the plan. Don't worry, we are trained not to cancel people's policy :-)

This post has been edited by roystevenung: Apr 10 2012, 07:33 PM

do to email me ur details at iezzyta@yahoo.co.uk

will reply u soon.

regards
zeta

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Added on April 15, 2012, 9:51 amI agree with you, we are trained not to cancel people's policy. The agents are train to educate people and make people understand about insurance.

This post has been edited by zeta seliman: Apr 15 2012, 09:51 AM

need some help from agent here too. i also bad luck to have a very bad agent now want to change agent as well.

im 24 this year, non smoker, male, class 3 paying rm200 every month now

-plan to upgrade my PRUmajor med 4 150(cover untill 70 years old)

to pruhealth 150(cover untill age 80)
or
to pruhealth 100 (cover untill age80) + PRUmedic auto upgrade

wanted to know that how much that i need to add? and which one cheaper?or u have any better recommend?

-may i know what is weekly indemnity after ready my the policy feel like its dont do much feel like cancel it. Can i do that?

-recently brought a house rm500k so wanted to buy house loan insurance this agent quote me feel wired that how come the money that i can take back after 16 years for example the saving that i can take back will be getting lesser and lesser every year? Ask the agent he cant answer me? he said that because the premium will increase will i getting old that why after 16 years i get back less?? if like that at year 16 i better draw all the money out from the saving part right? keep inside there end up getting less money in the end. am i right? correct me if im wrong?

-if lets say i pass away at age 80 or 90 due to natural causes not because of 36ci or accident will my kids get the rm500k?

thanks

1. In order for other agents to help you do the upgrade & to calculate how much difference the premium would be, you need to provide me with the policy number, IC & life assured name. We'll need to get our office to do a calculations on how much the premium would be. PM me your policy number or email your details to stevenung1971@gmail.com (confidentiality assured)

Also bear in mind that when we talk about upgrading, it is to increase/add on the benefits ONTO THE SAME POLICY. Your policy number will remain intact. You stand to lose if you get a new policy, along with the waiting period and all.

*To increase the coverage to age 80, the plan needs to be at least PruHealth 150 (150 R&B).*

We could run a comparison table for you. You decide whether you're comfortable with the added premium.

2. The class 3 is noted. However is there any changes to the health & smoking status since you got that PMM4? If yes that would reduce the premium, or increase the premium (if you are now smoking).

3. Weekly Indemnity pays a weekly benefit in the event of temporary disability due to accidental causes. One unit of Weekly Indemnity pays RM100 perweek for temporary total disability and RM50 per week for temporary partial disability, subject to a total of 104 weeks.

If your work is 'accident' prone, then my suggestion is that you keep it intact. In most cases accidents recovery needs at least 3-6 months to recover. If your company doesnt give you money, we give :-)

4. It'll depends on what MRTA that you're getting. Life insurance is about COVERAGE. Investment/savings is secondary. *Touchwood* if you were to 'kick the bucket' earlier, the bank will want to get back the loan of RM 500K, no matter what. Insurance policy is used to pay the loan. However, some MRTA insurance only covers death, not CI.

This means if down with CI, unable to work but still need to pay housing loan - ciak lat. If you have the budget, just buy a CI that is able to cover your housing loan and use that as guarantee to the bank. You'd need the CI anyway, hence kills two birds with one stone. CI with cash value would be pricier than the normal MRTA though.

This post has been edited by roystevenung: Apr 17 2012, 12:57 PM

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Added on April 18, 2012, 12:15 pmThis post has been edited by Colaboy: Apr 18 2012, 12:16 PM

Hi I would just like to clarify something..is kidney dialysis also subject to co-insurance in PRUFlexiMed? If it is, then doesn't it defeat the purpose of covering kidney dialysis when a dialysis session only costs ~RM300, and hence paying a RM300 co-insurance would be redundant.

Under the PruFlexiMed plan, you have the option to select RM 300 deductible or Zero Deductible (ZD). If you chose the RM 300 deductible, this means that the minimum that you need to pay is RM 300. If you choose the ZD, Prudential will absorb the bill. The deductibles will be reapplied after the 90 days per incident.

The premium for RM300 deductible is relatively cheaper as compared to the ZD.

The deductible is applied per event within the 90 days period from the last discharge date. Any subsequent events of the same diagnosis occurring after the 90 days period from the last discharge date will be subjected to another round of of deductible.

Example of a RM 300 Deductible for Kidney Dialysis
1st Kidney Dialysis: 20Feb ---> RM 300 is payable
2nd Kidney Dialysis: 20Mar ---> no deductible is being applied as it is still within the 90days from last event in Feb
3rd Kidney Dialysis: 20Apr ---> no deductible is being applied as it is still within the 90days from last event in Mar
4th Kidney Dialysis: 20May ---> no deductible is being applied as it is still within the 90days from last event in Apr
5th Kidney Dialysis: 20Oct ---> RM 300 is payable as it is after 90 days from the last event in May

Hope the above clarifies your doubts.

which one is better?

prudential Assurance OR BSNprudential takaful?

In terms of claims, both are equally good.

For Muslim who wants Syariah compliant products we'd go for PruBSN Takaful. However do note that for Prudential Assurance we are also able to choose the Islamic fund, Dana Unggul, Dana Urus & Dana Aman.

Prudential Assurance has more range of products since it has been in Malaysia for 88 years.

Thank you for your detailed explanation. Hence in the case of dialysis being a permanent requirement for a patient (i.e. needing 3 sessions per week), the RM300 co-insurance is only payable once every 90 days? Please correct me if I am wrong. Cheers!

If you opt for the RM 300 deductible, and based on your example, yes you only need to pay Rm 300 per every 90days on the last event of the same incident.

If you choose zero deductible, you don't need to pay.

im 24 this year, non smoker
What is the best plan for me

This post has been edited by PokkaDrinker: Jun 11 2012, 06:40 PM

You got Pm, best to take this discussion privately

yes probably you can get medical card. but from i what understand they exclude what ever disease cause by hp B .

You replying in terms of claim. How about the plan? is there much different?

Prudential Assurance has more range of products (as compared to Prudential BSN) since it has been in Malaysia for 88 years, hence the agent is able to tailor the products to the clients needs better.

This post has been edited by roystevenung: Jun 11 2012, 04:14 PM

Is there any Islamic term insurance for about 30 years? Or only conventional?

Hi Syd.

Yes we do have term insurance under PruBSN. Pls pm to me the following for a quote.

1. Name
2. Date of birth
3. Occupation
4. Gender (noted as female)
5. Coverage needed (Life/CI)
6. Estimated budget per month
7. Email address (to send the quote)

Thanks

I'm looking for a life insurance with critical illness coverage, not too particular on the saving/investment. What i want is only coverage.

Monthly premium should <RM300. Age is 37, non-smoker, male. How much coverage would I get?

This post has been edited by ks98: Jun 21 2012, 12:37 PM

If based on your information & monthly RM300 premium:

You can be covered for RM300,000 for Life & CS

or RM220,000 for life insurance & RM220,000 Critical Illnesses