Roy,

Pruhealth exludes take home drugs, examination test & long-term medications (red highlighted), could you elaborate some more on this term?

Currently I'm holding a Pruhealth but I'm concerned about that the term above.
Is it mean that it excludes outpatient cancer treatment and outpatient kidney dialysis?
e.g. Kidney dialysis is a long term outpatient treatment which needs to do follow up treatments one in every fixed term of period.

This post has been edited by firee818: Jun 27 2017, 08:00 AM

Hi, Prudential insurance experts,
If I would like to buy Pruhealth/Pruvalue Med policy, do I need to include PruMedic Overseas rider?

Below is the information that I have extracted from the Pruhealth/Pruvalue Med flyers:-






Is it mean that if I m a Pruhealth/Pruvalue Med holder, the policy is automatically covered for overseas treatments (any restriction to how many overseas treatment to be incurred per year?) without the need to purchase for PruMedic Overseas, but subject to the restriction of 90 days abroad and the benefit are paid according to the cost of treatment what would be reasonably charged by a hospital in Malaysia (i.e. actual cost of bills charged by the overseas specialist/hospital is ignored.)

Prudmedic Overseas Rider
Pruhealth
Pruvalue med-Enhanced

This post has been edited by firee818: Jun 27 2017, 09:37 AM

hi all,

anyone here using the Prudential PRUaccess portal? if very long did not login and now the account become "Account Inactive"...how do I activate it back?

thank you.

You may email to customer.mys@prudential.com.my or call 603 2116 0228 (Mon~Fri 8.30am~5.15pm excluding PH)

PruMedic Overseas (PMO) is an optional added rider therefore it is not mandatory to be included if you purchase PruHealth/PruValue med.

It is an added amount if you choose to get treated overseas as overseas treatment can be costlier, example treatment for cancer in Singapore.

Yes if you purchase PH/PVM, you may use it to get treated overseas subject to the 90days restriction. Bills will be on reimbursement basis subject to reasonably charged.

However with PMO, the bills will be reimbursed based on the Reasonable and Customary Charges of the
country of treatment and there will be no 90 days restriction.

No it does not mean that it excludes outpatient cancer treatment and outpatient kidney dialysis. It excludes out the Take Home Drugs, Long Term Meds and Consultation Charges. So long these are in the bill, it will be excluded.

The chemo or surgery related to the cancer will still be covered subject to the annual/lifetime limit of the PruHealth. The same goes to the outpatient kidney dialysis.

You may contact your agent on the possibility of upgrading it to the PruValue Med which includes the Take Home Drugs, Long Term Meds and Consultation Charges.

On top of that, it provides with a minimum cover of RM1.5M for cancer treatment & kidney dialysis.

Regarding to the upgrading of Pruhealth to Pruvalue Med, how do Prudential define the pre-existing illness?
e.g. If I bought a Pruhealth in March 2011 and if I like to upgrade it to Pruvalue Med in July 2017, then if there is a hidden illness incurs between March 2011 to June 2017[B], would it be regarded as pre-existing illness or the pre-existing illness is defined as illness before March 2011(the time when we bought the Pruhealth)?

Thank you so much.

A Pre-Existing Illness is defined as any illness that had existed (and known to you) when you do any upgrade/revival of the policy.

The terms of the new policy or even the upgrade will depend on the severity of the said illness.

For example, I had just upgraded my existing client from PruHealth to PruValue Med. When he bought PruHealth he is healthy, never claimed before using his medical card.

However he is now having High Blood Pressure (HBP). However the HBP is fully control and an Medical Exam was perform. Reading 120/80 most of the time with control meds. Everything was declared in the upgrade form.

His result, no loading and no exclusion was imposed since the readings are good and he is constantly being monitored by a Doctor on his HBP.

If the Medical Exam reveals higher reading than normal, then most probably a loading on the PruValue Med will be imposed.

Prudential insurance expert,

1). If I buy PRUmy child + Pruvalue med, is it compulsory to take PRUparent payor basic rider?
Could I opt not to take PRUparent payor basic rider?

2). I notice that Pruvalue med doesn't include Emergency Treatment for Accidental Injury Benefit, but Pruhealth has this benefit. Pls confirm.

3). For Pruhealth, what are the differences between Emergency Treatment for Accidental Injury Benefit (in Pruhealth) and PRUacci med rider?

Thanks for replying.

This post has been edited by firee818: Jul 2 2017, 09:47 PM

1. No it is not compulsory to add in PruParent Payor, if you have sufficient Death/TPD/CI (or other source of income) to even pay for your child's insurance policy in the event of death/TPD/CI.

The question is if you are not around (touch wood) who is going to pay the premium for the child?

2. The Emergency Treatment for Accidental Injury comes default with the room selected (included in PVM), eg if RM200 R/B, it is RM2K/year Emergency Treatment for Accidental Injury. Ask for a full quote from the agent and you can see it in the quotation.

3. PruAcciMed also pays for the following due to accidental injury:-
- up to RM1.5K lifetime for traditional/complementary treatment
- overseas companion allowance
- up to RM1K for Prosthesis/ Wheelchair Allowance

Get the agent to generate a quote in detail.

For( 1), so if my child is 15 and 17 years , I can opt not to take Pruparent Payor.
For (2)-Emergency Treatment for Accidential Injury Benefit, does it cover all types of accidents, even if the treatments is not so urgent, e.g. bruise on the leg?


Another question:-
If I include PRUacci med rider in my PRUmy child + Pruvalue med, is it compulsory to add-on PRUacci guard in order to qualify to include PRUacci med in my policy.
Because I feel that Pruvalue med-[U]The Emergency Treatment for Accidential Injury Benefit[/U] is not sufficient to cover the accidental medical expenses.
I am not willing to add-on PRUacci guard, as I feel that other general insurance(stand alone policy) offer much cheaper and better benefit.

This post has been edited by firee818: Jul 3 2017, 09:20 AM

Honestly, whether to add more on a certain coverage or not is really dependent on you if you feel it's necessary based on your risk assessment.

If you feel that certain coverage to you is deem not necessary then you can choose not to include it. The agent can only advise but the decision will be up to you.

Insurance is just to transfer risk from the insured to the insurer (Insurance company).

Yes you may exclude if you wish to. Its not mandatory

If it is accidental and you get treated at the clinics then it is covered, pay and claim.

The question is whether you have it treated at the clinic or not as it is minor injury..

Yes to add PruAcci med a min of Rm20k of PruAcci Guard is required.

If the EAT is insufficient, most of the time the condition is more serious and needs to be examined by a specialist, that means the medical admission.

I have an old investment-linked policy with PruBSN Takaful. I recently switched to another insurance provider, and during the switch, I did not pay my Prudential policy for a few months. Now that my new insurance's waiting period is over, I want to surrender the Prudential policy. I called the customer service (I have no agent as my Prudential agent already quit), and she said that I need to fill in 3 forms and come to the nearest branch. One of the form is authorization to use cash value. It turns out that I have not authorized Prudential to use my cash value if I did not pay the monthly premium.

My question: When surrendering, do I need to pay the outstanding premium for the months which I did not pay? If I sign the form to authorize deduction from cash value, I think they will deduct the outstanding from my cash value before giving it to me.

if you don't plan to reinstate your previous policy then you don't need to pay for the outstanding premium and proceed to surrender the policy.

You don't have to sign any further authorization for them to deduct your account any further.

For red highlighted, do you mean that it is covered under Pruvalue med- inpatient or outpatient treatment benefit?

Thank you so much, you are really a very experience Prudential insurance expert.

As mentioned earlier, if the accident condition is far more serious than local clinical Dr can handle, they will recommend you to go get it treated at a hospital by a specialist Dr and that means the usage of the medical card.

Whether there is admission or not it does not matter as the medical card can also be use to treat day surgery provided that it is a medically necessary.

Hi Roy, I just would like to confirm with you regarding the Hospital Room and Board of Pruvalue med.
In a situation where the actual Room and Board charged per day is higher than the one that the Life Insured is entitled to, beside the Life Insured needs to pay the difference of the two rates, any other disadvantages that the Life Insured will need to bear. i.e Do the Life Insured still can claim 100% of the medical expenses incurred as other Life Insured who selected the higher Hospital Room and Board rates?

Thank you so much.

This post has been edited by firee818: Jul 4 2017, 03:06 PM

In the event you opt for a higher room Just pay the differences in the room rates, no other penalties.

Just to seek your opinion for Hospital Room and Board, if there are two room rates, one is RM100, the other one is RM200, which one would be more beneficial to the Life Insured?
If I choose RM100, I can top up without financial difficulty if it is not enough. If I choose RM200, I will waste my money since, in normal fact, Life Insured is not often to be hospitalized. But RM200 Room and Board has RM2000 Emergency accident benefit, RM100 Room and Board has only RM1000 Emergency accident benefit.

Any other factors I have not considered besides the above-mentioned factors in choosing the amount of Room and Board?

This post has been edited by firee818: Jul 4 2017, 03:52 PM