QUOTE(roystevenung @ Oct 23 2018, 10:59 PM)
It depends on your purpose and needs. The increase from 30k to 100k for Death & Crisis Shield is optional. PruAcci Med from 2K to 1M is not correct.
No, PVM is not connected to the death benefit, CSB or PruAcciMed. In short, upgrading the PVM, it is not mandatory to upgrade the Death/CSB/PAM.
Then just do the medical upgrade, the rest is optional.
The answer - yes, you can cancel/customize those riders that you don't need but before you do so, please see below and if possible answer them
I know it is not good to answer a question with a question, however, in this case I will have to ask.
Why are you concern of higher limit on the medical? Are you worried of huge medical bills say > RM200K due to a serious accident or illness?
If you are not concern of huge medical bills, why even bother to upgrade your current medical, right?
I want to get a higher limit medical card because of the rising medical cost nowadays. My current PH limit is only 60k per annum and 600k lifetime which I feel is not enough. I signed up that medical card when I was 24 years old and had failed to realise the importance of having a powerful medical card. Dont know why I even signed up for medical card with such low limit, macam no protection No, PVM is not connected to the death benefit, CSB or PruAcciMed. In short, upgrading the PVM, it is not mandatory to upgrade the Death/CSB/PAM.
Then just do the medical upgrade, the rest is optional.
The answer - yes, you can cancel/customize those riders that you don't need but before you do so, please see below and if possible answer them
I know it is not good to answer a question with a question, however, in this case I will have to ask.
Why are you concern of higher limit on the medical? Are you worried of huge medical bills say > RM200K due to a serious accident or illness?
If you are not concern of huge medical bills, why even bother to upgrade your current medical, right?
I am planning to get a separate life policy, so I am not concern about having higher death benefit in my current PLR. Or do you think I should just increase the death benefit in my current PLR?
For PruAcciMed, I feel it is kinda redundant if I already have PVM? since both cover medical and hospitalisation cost.