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> All about PRUDENTIAL & insurance updates!, any insurance related issue are welcome

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7498
post Oct 30 2018, 08:28 AM

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QUOTE(roystevenung @ Oct 29 2018, 10:37 PM)
PruWealth Campaign Period 1 Sep ~ 31 Dec 2018

NON Medical Limit (NML)
- Age 19 ~ 50 TRSA NML up to RM5m
- Age 51 ~ 60 TRSA NML up to RM3m
- Age 61 ~ 70 TRSA NML up to RM0.5m

Note
1. Non-Medical Limit is subjected to healthy / no major health complication
2. TRSA = Total Relevant Sum Insured (combination of all life policies)
3. If coverage is > RM2M, Financial Underwriting is required
*
Hi Roy, what is non-medical limit? sorry I am new in insurance unsure.gif
roystevenung
post Oct 30 2018, 10:12 AM

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QUOTE(7498 @ Oct 30 2018, 08:28 AM)
Hi Roy, what is non-medical limit? sorry I am new in insurance unsure.gif
*
In layman terms, the NML is the total amount of insurance a person had bought for life+critical illness.
oro89
post Oct 30 2018, 10:19 AM

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I have been on prubsn health enrich 2 select for more than 2 years now and recently i saw a lot of much more interesting plan with more benefits is it possible to convert my existing plan to the new pru plan?

And if if i were to upgrade i need to go through the waiting period all over again?

This post has been edited by oro89: Oct 30 2018, 10:22 AM
roystevenung
post Oct 30 2018, 11:44 AM

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QUOTE(oro89 @ Oct 30 2018, 10:19 AM)
I have been on prubsn health enrich 2 select for more than 2 years now and recently i saw a lot of much more interesting plan with more benefits is it possible to convert my existing plan to the new pru plan?

And if if i were to upgrade i need to go through the waiting period all over again?
*
HE2 can only upgrade within the HE2 series and not able to upgrade to the new Health Protector (under PruBSN).

However, client is able to hold 2 medical cards HE2 + Health Protector (with the new Waiting Period)

Transfer of Medical card from PruBSN to Prudential Assurance Malaysia Berhad (PAMB) is not allowed to prevent agents from twisting of policies to get sales.
swgiant
post Nov 3 2018, 11:28 AM

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My stomach is bloat since beginning of the year.
Yesterday i went to see a specialist and doctor recommend to endoscopy, found out excessive of gastric acid.
Total fee is RM 1K+, then may i know this fee can claim under PVM as "Emergency Treatment for Accidental Injury"
roystevenung
post Nov 3 2018, 11:45 AM

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QUOTE(swgiant @ Nov 3 2018, 11:28 AM)
My stomach is bloat since beginning of the year.
Yesterday i went to see a specialist and doctor recommend to endoscopy, found out excessive of gastric acid.
Total fee is RM 1K+, then may i know this fee can claim under PVM as "Emergency Treatment for Accidental Injury"
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No but its claimable under the medical card provided that the card has surpassed the waiting period based on the when the symptom had developed.

Emergency Treatment for Accidental Injury is for claims which are accident in nature.
swgiant
post Nov 3 2018, 11:51 AM

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QUOTE(roystevenung @ Nov 3 2018, 11:45 AM)
No but its claimable under the medical card provided that the card has surpassed the waiting period based on the when the symptom had developed.

Emergency Treatment for Accidental Injury is for claims which are accident in nature.
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Thanks. Due to my agent had migrated to oversea which i bought medical card since pruhealth from him then how do i make the claim by myself ? first, obtain the claim form from prudential office then submit to hospital, once doctor signed then i pass the receipt and claim form back to prudential office ?
roystevenung
post Nov 3 2018, 02:36 PM

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QUOTE(swgiant @ Nov 3 2018, 11:51 AM)
Thanks. Due to my agent had migrated to oversea which i bought medical card since pruhealth from him then how do i make the claim by myself ? first, obtain the claim form from prudential office then submit to hospital, once doctor signed then i pass the receipt and claim form back to prudential office ?
*
I will PM you the forms later tonight when i get on my computer.
blueblueoutofblue
post Nov 6 2018, 11:44 AM

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Hi đź‘‹

I am interested to get an insurance plan
Critical illness + Life Insurance + Medical Card

32 years old, next Feb will be 33

Use to have investment insurance back in 2002 that bought by parent, terminated on 2011.

Since then never bought any insurance because I have been travelling and work , and used to have company insurance


ahchat
post Nov 7 2018, 12:46 PM

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hey guys, need some clarification here...a friend of mine mention to me that, if I want to do some eye related treatment, I can use my medical card for it, is that true?

treatment for Rabun silau
roystevenung
post Nov 7 2018, 02:34 PM

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QUOTE(ahchat @ Nov 7 2018, 12:46 PM)
hey guys, need some clarification here...a friend of mine mention to me that, if I want to do some eye related treatment, I can use my medical card for it, is that true?

treatment for Rabun silau
*
As far as I know it is no cover, as “astigmatism” falls under the Exclusion for medical card.

QUOTE
Exclusion

Elective cosmetic or plastic surgery (except re-constructive surgery necessary to restore function), hyperhidrosis, circumcision, eye examination for nearsightedness, farsightedness or astigmatism, visual aids and refraction or surgical correction of nearsightedness (Radial Keratotomy) and the use or acquisition of external prosthetic appliances or devices such as but not limited to artificial limbs, hearing aids, cochlear apparatus, external or temporary pacemakers and prescriptions thereof;“

ahchat
post Nov 7 2018, 04:30 PM

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QUOTE(roystevenung @ Nov 7 2018, 02:34 PM)
As far as I know it is no cover, as “astigmatism” falls under the Exclusion for medical card.
*
ok, noted on your explanation, thx!
Honey Stars
post Nov 13 2018, 09:17 PM

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Dear Sifus,

Thinking of upgrading my medical insurance. Currently under PLR with the following benefit:

Death, PD: RM 25k
CI : RM 25k
Acc Death: 20k
Room : up to age 70
Annual Limit: 60k
lifetime limit: 1.2m

My agent offered me 2 options:

PVM
Death, PD: 50k
CI: 50k
Acc death: 50k
Room: up to age 80
Annual limit: N/A
Lifetime limit: 1mil
other details same as current plan

PLR
Death, PD: 150k
CI: 150k
Acc Death: 150k
other details are same as current plan.

Both options are twice my current premium which I'm ok with. But is PVM beneficial for me with only +30k sum coverage for death, PD, CI, acc death and room & board till age 80?

I was thinking maintaining the current PLR plan and get +125K in Death and CI would be more worthwhile. Please advise me if i'm mistaken somewhere.
roystevenung
post Nov 13 2018, 10:51 PM

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QUOTE(Honey Stars @ Nov 13 2018, 09:17 PM)
Dear Sifus,

Thinking of upgrading my medical insurance. Currently under PLR with the following benefit:

Death, PD: RM 25k
CI : RM 25k
Acc Death: 20k
Room : up to age 70
Annual Limit: 60k
lifetime limit: 1.2m

My agent offered me 2 options:

PVM
Death, PD: 50k
CI: 50k
Acc death: 50k
Room: up to age 80
Annual limit: N/A
Lifetime limit: 1mil
other details same as current plan

PLR
Death, PD: 150k
CI: 150k
Acc Death: 150k
other details are same as current plan.

Both options are twice my current premium which I'm ok with. But is PVM beneficial for me with only +30k sum coverage for death, PD, CI, acc death and room & board till age 80?

I was thinking maintaining the current PLR plan and get +125K in Death and CI would be more worthwhile. Please advise me if i'm mistaken somewhere.
*
The newest medical plan from Prudential is called PruMillion Med with a minimum of RM1.38M annual limit. Moving forward, it would be better to look at that option for the medical upgrade.

As for the rest, it would be best to discuss with the agent on why you need RM150K for Death/PD/CI/Accident Death.

This post has been edited by roystevenung: Nov 13 2018, 10:52 PM
yupng
post Dec 9 2018, 10:16 PM

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Hi Sifu here,

PRU million med and PRU Value Med, which one is better?
What is the pro and con between this two plan?
roystevenung
post Dec 10 2018, 02:58 AM

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QUOTE(yupng @ Dec 9 2018, 10:16 PM)
Hi Sifu here,

PRU million med and PRU Value Med, which one is better?
What is the pro and con between this two plan?
*
Major differences is that PMM has an annual limit of RM1.38m (with higher insurance charges naturally) as compared to PVM. For PVM, if one is able to claim up to RM1M cummulative, Prudential will pay 80% of the bill, whilst client has to pay 20%.

Cancer treatment and kidney dialysis is claimable up to RM1.5M for PVM as compared to PMM that has an annual limit of RM1.38M.
yupng
post Dec 12 2018, 11:12 AM

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QUOTE(roystevenung @ Dec 10 2018, 02:58 AM)
Major differences is that PMM has an annual limit of RM1.38m (with higher insurance charges naturally) as compared to PVM. For PVM, if one is able to claim up to RM1M cummulative, Prudential will pay 80% of the bill, whilst client has to pay 20%.

Cancer treatment and kidney dialysis is claimable up to RM1.5M for PVM as compared to PMM that has an annual limit of RM1.38M.
*
Which is the best choice between two of plans?
Which is more recommended?
Thanks.


roystevenung
post Dec 12 2018, 12:06 PM

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QUOTE(yupng @ Dec 12 2018, 11:12 AM)
Which is the best choice between two of plans?
Which is more recommended?
Thanks.
*
Better coverage but higher charges then PMM, otherwise PVM.

So far i have yet to see anyone claim out >Rm500k from medical insurance and yet surviving.
tadashi987
post Dec 17 2018, 11:20 AM

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QUOTE(roystevenung @ Dec 12 2018, 12:06 PM)
Better coverage but higher charges then PMM, otherwise PVM.

So far i have yet to see anyone claim out >Rm500k from medical insurance and yet surviving.
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Hi there, i have a pruwith you ILP insurance, wanna know if i go for normal outpatient in hospital, can I claim? confused.gif
roystevenung
post Dec 17 2018, 11:37 AM

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QUOTE(tadashi987 @ Dec 17 2018, 11:20 AM)
Hi there, i have a pruwith you ILP insurance, wanna know if i go for normal outpatient in hospital, can I claim? :confused:
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First off the PruWith You is just the basic plan that covers Death/Total Permanent Disability. Unless you add the rider of the Medical Cover (such as PruMillion Med, PruValue Med, PruHealth), then you may be eligible for the claim (subjected to the waiting periods of up to 120 days).

May I know what kind of illness/incident are you trying to claim for outpatient at the hospital? :confused:

Though you may get a faster answer from asking your agent directly, which is why you chose to buy from that agent, no?

This post has been edited by roystevenung: Dec 17 2018, 11:38 AM

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