My friend has a Pru Lady card.. She went to clinic and discover gallstones. One of the gallstones are big and require operation to remove. But doctor mentioned that its not urgent to remove.

So, if she go to private hospital, can she claim for the operation?

Hi, I'm having PMM100 series 1 bought in 2001. Does outpatient kidney and cancer treatment still with 10K annual limit? Recall received some company revision on annual limit 50K to 62.5K, but any changes to the 10K annual limit for outpatient? Thanks.

Thanks for the update.
I was being advised,  not selected,  for taking up PVM. However, in view already have 1st medical card, I may wish to go for deductible 20K option as 2nd medical card. Would you be able to advise if PVM could be converted back to zero deductible or with med saver let say after retirement 55 years old. Is this applicable for PVM? If yes, then PVM is highly appealing.  Thanks.

Thanks for prompt reply as usual. However this means it's only possible if PVM is still active product let say 20 years from now?  Eg, is underwriting still possible if PVM off shelf by then?  Eg, like my current PMM100  series 1, it's not possible to underwrite to PMM200 series 1 after just 15 years right since PMM already phased out. Apology if it's a bad comparison analogy. Hope you get what I'm trying to point out. Perhaps something more secure like Pru Health's prumedic retirement rider for PVM for guaranteed conversion back to zero deductible / med saver.

Thanks for the clear explanation. I'll assume my PMM1 for outpatient cancer treatment and kidney dialysis will also not entitled for Take Home drugs, long term mess and consultation charges, correct?

Something new learnt today. Thank you so much.
Noticed that only PVM outpatient benefit explicitly mentioned on the Take Home drugs etc. Can this imply that other insurance provider, if doesn't mentioned this, then no such entitlement benefits?

@roystevenung

A more serious question and obviously a lengthy one.

In the past, Prudential medical insurance was always using "Guaranteed Renewal",  however, since PVM, it switched to "Non-Cancellable" while emphasizing it's actually same with guaranteed renewal. Now if one is to search the definition (web) , it's generally indicating policy where "an insurance company can’t cancel, increase the premiums on or reduce the benefits of as long as the customer pays the premiums."

First non conformity would obviously be in PVM version, premium and/or insurance charges is subject to be revised. It's actually still acceptable in Malaysia landscape plus how Prudential medical insurance works in the past (PMM, PruFlexi Med, Pru Health).

Now, what may need further attention is the portion about non cancellable benefit or reduction of benefit. I'd had opportunity to read through PVM policy and the provision clause mentioned in both below which relates to PVM:

1) Annexure 227 : Part 5 : General Conditions
2) Annexure MB3 : Part 2 : General Conditions  - A. Alteration

When read, it quite cause one to be suspicious that these clauses actually enable the company to have the ability for Future Alteration which may open the risk of Table of Benefits subjected to alteration which is damaging if it's to reduce covered benefits. The clauses also clearly spell ability to alter terms and conditions, aside from the usual premium and insurance charges. This defeat the overall "non cancellable" policy as it doesn't looks good for guaranteed renewal but other "ingredients" are subject to be altered.

Yet another provision clause is regarding the non cancellable itself warranted under "Annexure MB3 : H. Non-cancellable"

This part of annexure was specifically mentioning that "Non-Cancellable  is
only for insurance cover (any annexure) on "Life Assured being Confined to
the Hospital".

The curious part is why emphasize only for "Confined to Hospital" which gives impression non cancellable only applies to "Inpatient Benefit" while rest is not governed by the non cancellable eg outpatient, other benefits, and when relates back to "Alteration" provision mentioned above, the whole PVM non cancellable looks really discredited.

Well, I'm not legal expert nor fluent with such big jargon used in the policy. But these clauses doesn't shown in older Prudential policy. Really hope you may give some advice or comments on this realm as I'm long term Prudential customer which still trying to believe the company always strive to provide quality product and outshine other providers in Malaysia.

Thanks

hi, i want to ask whether TCM treatment fee is claimable under prudential medical insurance ?

Hi, if 1st medical card PMM with annual limit 50K, lifetime limit 150K. Intend to buy PVM as 2nd medical card, with deductible 20K. Assuming anniversary of both cards are close by. Now since 1st card have lower lifetime limit, is it possible if we submit both cards for Hospitals Alliances hospitals for cashless admission, we request Prudential to only utilize 20K on first card (instead of its annual limit of 50K) and starts on claiming 2nd card since fulfilled 20K deductible oledi. This will able to prolong 1st card limit exhaustion. Possible? Assumption made, the single admission incurred more than 50K bill.

Heard from my colleague that oledi PVM holders,  also 2 medical cards, he mentioned agent ask to submit both medical cards when admitted.

For PVM, there's one benefit (Expert Medical Opinion) that's having limited information aside from its website which gives below description :

"Expert Medical Opinion is a value added service that provides second medical opinion from medical experts in various areas of specialisation. This service is to assist you to learn more about your medical conditions and make an informed decision on the treatment plans."

Need extra rider?  Or if built-in oledi, what is the pre-requisite to use it to ensure claimable later on?

hey, premium payment auto debit credit card got extra charges?

hi roy,

i thought once claim CI, life sum assured will be reduced to zero? no? as mention above

thanks.

thanks for the reply...

now i understands.. i heard that that pru ILP once death/TPD due to accident will pay double sum assured?

Why is there a service charge of RM5 every month for paying the premium with credit card?
Other Insurance companies don't have this.

There is a clause stated in the brochure for PRUlink One PDF.
Go check it out, it's at page 10.

i check with my agent say insurance charge of medical plan will be increase soon due to medical inflation & rising cost of healthcare in the country, and it is compulsory. the question is what if we dont mind stick with the current plan coverage and dont mind the coverage is not enough, we should have the right to maintain right? is not must force people compulsory to upgrade correct? this is not fair

some insurance company policy cover quite a lot but policy amount cheap, the reason behind is that policy only can cover for the insurance charges and not mush cash value inside, so once the insurance charges increase, u still pay the same premium charge for the policy but the premium not enough to cover your insurance charges so it will deduct from cash value, if your cash value cannot cover policy amount then only agent will ask to upgrade, i know allianz is using this strategy, at least give ppl choice to choose which is not force ppl must upgrade.

Anyone here experience before or anyone here is Prudential agent?

I purchased an investment link insurance from a Prudential agent 5 years ago. Today, I received a SMS from an unknown person. She claimed that my previous agent already quit the service. She is taking over and I need to sign document that she will be my agent.
Is this what Prudential practice? Is she trying to cheat me?

Thanks.

Hi if a person with Hepatitis B carrier, does not declare in his health insurance form which he signed up 20 years ago... what should he do now ?

Should he go now to declare to the insurance company? Will this forfeit his previous coverage? will his policy be terminated? will be be refunded for termination of policy? or will the policy to modified to exclude hepatitis B related illness?

Is it ok if I do not have specific service agent? Will it affect my policy?

Wonder why insurance agent come and go?

Why the can't make this long term career