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All about PRUDENTIAL & insurance updates!, any insurance related issue are welcome
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TSColaboy
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 May 4 2017, 04:10 AM
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QUOTE(hoong2188 @ May 3 2017, 09:59 AM) 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? 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 |
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TSColaboy
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Oct 26 2017, 07:56 AM
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QUOTE(xiaotim @ Oct 25 2017, 11:59 PM) hi, would like to ask that i have a policy which is Prulink assurance plan, which i pay RM396 per month. do u think its good? however i do not have any details on it as it was purchase by parents years ago. you can walk in to any of the Prudential branch to print out your current coverage & investment value |
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TSColaboy
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Oct 30 2017, 04:56 PM
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QUOTE(henrychai94 @ Oct 26 2017, 08:43 AM) Hi Colaboy, Would like to ask also that if i downgrade or lower my coverage , will it affect anything except the sum assured ? You won't be affecting anything except the insured value is lower & your potential cash value will be greater as more money will be allocated into purchasing fund for an investment link policy. But personally I don't advise doing so, unless you really face some financial issue & needed to drop 1 or 2 riders in the policy to reduce the premium This post has been edited by Colaboy: Oct 30 2017, 04:57 PM |
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TSColaboy
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Nov 20 2017, 06:01 PM
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QUOTE(btan @ Nov 7 2017, 03:39 PM) why will like that till age 70? i thaught is till age 99 older generation med card cover up to age 70 only . . . only the newer series is able to extend up to age 80,90 or even 100 You can check with you current agent for an upgrade or maybe purchase a top up on Prusenior med for your mom case |
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TSColaboy
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Nov 20 2017, 08:26 PM
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QUOTE(pr0pofol @ Nov 20 2017, 08:08 PM) seriously hate the insurance companies using diff names for their insurance packages what is the prubsn equivalent to aia takaful lifesignature-i insurance? and whats the diff? all insurer company do offer different package, shop & ask around i would be only able to provide you with PruBSN takaful info, regarding AIA takaful you need some some advice from their agent |
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TSColaboy
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Nov 22 2017, 12:06 AM
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QUOTE(kencul @ Nov 21 2017, 11:52 PM) Any idea on the premium for Pru Value Med for 54 years old,male, policy till 80. board - 200.00. PruValue med must be attach with an ILP plan . . .It depends what other rider is included in the plan as well & also other factors like smoking status/occupation/health condition I would say a normal plan for a 54 Male now will cost aprox RM400-RM500/month. Thats with the basic cover + a PVM |
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TSColaboy
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Nov 29 2017, 04:12 PM
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QUOTE(suadrif @ Nov 29 2017, 03:25 PM) i just knew that my monthly contribution got increased from 150 to 165 per month without my acknowledgement. anyone got affected by this? suddenly increase without giving me a call or confirmation, and then increase without changing benefit. damn so not professional all clients will be notify from mail & also your servicing agent will received a listing for the increase for all clients with older medical card series |
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TSColaboy
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Jan 29 2018, 01:16 PM
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QUOTE(ahpaul82 @ Jan 23 2018, 12:48 AM) which mean the Life and CI Accident riders can add-on to the medical card ? the so call insurance guy.  I having the PruBSN Medical Card with riders attached I believe, You may refer to my previous reply. Reason why I wanna switch is because the guy told me the medical card coverage no longer able to cope for the future medical cost woh...  FYI, This year onward I need to pay RM135+ monthly for the PruBSN Medical card.. just get an endorsement to increase higher limit card according your budget |
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TSColaboy
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Dec 31 2019, 04:01 PM
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wow. . . . Been almost 1 year ++
Sorry guys dont have the time to post much here back than
well good to see this forum still active
HAPPY NEW YEAR for 2020!! Have a great year ahead..
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TSColaboy
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Dec 31 2019, 04:03 PM
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QUOTE(DozeMeWithTea @ Dec 31 2019, 12:41 PM) It seems like everyone here is covered by at least a mil. Looking back at mine under 'PRUlife ready' which i purchased years back seems a little dated with coverage just 100k with monthly commitment of RM211. Is my plan still good? You can always consult your insurance rep for any advise . . . Well if you are refering to life insurance its all about HOW MUCH u need, not HOW MUCH u have  Different ppl might have different view of need on life insurance |
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