Thanks for your reply.

I understand Life part, what is CS meant?

if I want 300k life & Critical illness, how much is the premium?

Hi Ks, please indicate your occupation as the coverage is also dependent on your job. Thanks

electronic engineer, doesn't touch machine at all. Just use fingers and computer

For RM 350/mth, Life Rm300K and CI Rm300K. Claims from CI will not reduce the Life coverage.

Please Pm to me your email if you need a detail quote. Thanks

CS means include life or critical Illnesses . . . claim from either 1 event only.
At RM400/monthly for 300k life & 300k Critical illness.

does medical card can buy as stand alone?

for Pru you need to attached to an investment link or traditional policy
some company do sell standalone med card

For medical insurance few questions u need to clearified as below:-
1. Room rates - what kind of room rate you prefer and also you would need to know what's the current room rate for your preferable private hospital and their fluctuation.
2. Dont look at the lifetime limit as your first priority. Make sure you understand that the annual limits play an important roles in it. Imagine someone admitted in hospital, they cant think that they have high lifetime limits to rescue them cause some of the insurance companys only pay as your annual limit.
3. make sure you check out the price for the age of 80, 90 or 100 as this you need to pay while you still on earth.
4. Make sure is renewable.
5. make sure no investment links or endowment unless u r capable of, cos it might bring down your medical coverage and bring up your premium if u insist on your medical card.

the pru flexi medical card, can attached with PRUedusaver? how?

This post has been edited by mucklampir: Jul 28 2012, 12:13 PM

The pru Fleximed is attached to an investmenk-link acc (Pru Mychild)
Whereby pruedusaver is to increase the saving from purchasing regularly in our Prulink funds. It can be done easily, just consult ur servicing agent.

the education fund is it under pruedusaver? how to calculate for commitment? Any package sample (pruflexi+education fund)?

Yes, you may choose your prefered Prulink funds as well.
Simple pruflexi med for kids is around RM100/monthly which cover the basic
life, critical illnesses, medical card & PA.

The amount of Pru edusaver is up to individual, additional of RM50, RM100, RM300, or up to a max of RM1K / monthly.

how to determine monthly commitment for edusaver? Is it based on accumulation target after certain years? Let say i wanted 100k after 17 years for my 1yr old child. Conservatively how much should i put in the edusaver monthly?

aprox additional RM250-RM300/monthly into edusaver will generate RM100K after 17 years
It's base to accumulation

Term 17 years, Rm300*95% = Rm285/mth. Compound interest of 7% may get you Rm105473.

Compound interest of 9% may get you Rm126450.

The gross average annual return for our Prudential PRulink Equity fund since inception in 1997 till last year end is at 9%. Do note that past performance does not guarantees future returns.

The above calculation, DOES NOT take into account the inflation factor. The value of Rm 100k now is not worth the future value of Rm100k after 17 years.

If taking into account the inflation factor, if compounding interest is 4% maturity value would be Rm81045. If compounding interest is 6% maturity value would be Rm96488.

HTH

This post has been edited by roystevenung: Jul 30 2012, 08:29 PM

Thanks mr roy and colaboy..

Let say i want pruflexi card which come with any education fund. My requirement as follows:

pruflexi - RB = 400, Annual = 100k, hosp benefit rm300/day
Edu fund - after 17 years can give around 100k

So how's the monthly commitment looks like. I dont want life, CI, TPD, PA coverage included.


Thanks in advance..

Im still very confuse with the CI and Life.. some told me if claim CI then cant claim if death, some say yes, if claimed CI still can claim if death...

Whats the major difference between PRU Health and PRU flexi??

some quote me ~250-300 for only 50k sum assured plus med card... some quote me same price for 30k CI and 60k death benefit...

Please enlighten me...

Just want to know with 250 is it possible to get med card plus 100k coverage...

Another Q is, is it better to uograde the policy fr 100k to 200k or buy a separate CI & Life with another policy of 100k...

Insurance is RM150/monthly + Education fund RM250/monthly
Total of RM400 per month will have the above benefit . . . but do take note with
R&B RM400, you cant include extra hosp benefit rider.


Personal point of view separate will be better, to have a main plan for all the basic coverage like life, 36CI, PA & med card.
On top of that another with life & CI only (no other rider needed to be attach like payor or hospital allowance)


This post has been edited by Colaboy: Aug 13 2012, 02:30 PM

hi, I am looking for policy that does not involve investment plan/ saving plan. May I know the name for the product from prudential? thanks

what it mean by with huge coverage the cash value will be lower?

let say if one didnt kena 36 CI but they bought 100k for PA AND 100k for CI can they get back the money if don kena 36 CI?