Hi, I have a prudential insurance and try to register at https://pruaccessplus.prudential.com.my/pap/login/login.do
. After I enter the policy number and ic, it does went through until the TAC code. Tried a few times but I never received the tac code. What should I do?

BTW, are surrender value and cash value the same thing?

You may need to update yr hp no by filling up the change of contact details and pass the original signed form to Prudential office.

Yes surrender value is the same as cash value. It is the amount you may get back upon surrender of the policy

This post has been edited by roystevenung: May 8 2017, 12:10 PM

Must visit pru office eh?

Thanks for your help Roy..

With medical advancement nowadays the life expectancy is improving year after year, at age 26 now, in another 44 years (almost half of a century) you will reach 70, by that time, maybe even Cancer can be cured.

Therefore, while still healthy now, I would go for a plan that covers up to age 100.

I have the original PMM100 covering up to age 70, and I bought another medical card elsewhere covering up to 100 years old

Can any one tell me pru deductible medical card now their benefit same as normal medical card or not? Except the deductible amount.

Yes it is a medical card that pays for medically necessary and with a high deductible that you can afford it helps to save on the insurance charges especially at older age.

The insurance charges at age > 75 can be as high as Rm10k per year without a high deductible.

Annual limit is 1 million too?

This post has been edited by roystevenung: May 16 2017, 12:20 PM

cant play the video roy

Fixed

Under investment link medical insurance plan, portion of the premium wil be allocated to investment namely, unit trust.

But i dont understand 1) what is the difference btwn Unit trust fund under Basic, and Investment tag. 2) if i pay more than the required premium, the extra $$ will goes to investment or medical insurance? Confused 🤔

Your medical or riders all have a COI for that year. So long the COI has been "paid" the rest will go to your investments, after deducting all the required fees, ie: management fee, agent comm and etc.

Basic should be your life/TPD. At least for Allianz it is.


Best,
Jiansheng

This post has been edited by Holocene: Jun 3 2017, 10:17 PM

Someone tell me prudential medical card that need to pay 300 by ourselves that one not worth. Because if for outpatient treatment, eg kidney treatment. If every time go to wash the kidney, we need to pay 300. But kidney treatment need go to visit frequently, eg one week two times. That mean if every time pay 300 by ourselves, then buy medical card also not use. Can someone tell me is it true information?

hmm have to clarify with roy, but my agent told me the 300 deductable is not for every session.. its once for each month or something like that.. i'm not clear on that either

To put it simple.

You have RM100, and you bought an insurance

Out of RM100

60% goes to Cost of Insurance, Commission, Management Fee
40% goes to your investment in purchasing units within the Fund

However, you have an option to put into a "saver" account where this money will goes 97% to your investment.

I got questions too. If we want to put some extra money to put in "saver" account, but first 6 years the extra money also go to pay commission or not?

No it won't

Only about 3% goes to commission

U mean 'saver' account is in investment link? We need to clarify with agent to request it or if got extra money it will automatic go to saver account?

No this is separate and need to request agent to put in

Which medical card are you referring to? If PruValue Med it works like this:-

Day 1 Kidney Dialysis, Need to Pay RM300
Day 43 Kidney Dialysis, RM0
Day 103 Kidney Dialysis, RM0
Day 193 Kidney Dialysis, RM0
Day 373 Kidney Dialysis, Need to Pay RM300 as the last treatment date is over the 90 days from the last treatment in day 193 (but it wont be needed as there is no gap of over 90 days for Kidney Dialysis)

As per above.

For Outpatient Kidney Dialysis it is pay and claim, but for Cancer treatment it can be issued with GL if able to pre-plan (eg, next week only go for chemo)