Dear ALL,

PRUDENTIAL SUCKS!

I have Pruflexi med for more then 5 years+ and yesterday um hospital confirmed that i need to do radioactive iodine (RAI), I-131 for my hyperthyroidism as outpatient. To my SURPRISE, CALLED prudential HOTLINE THEY SAY Day surgery/ Treatment as RAI is NOT COVER and UM HOSPITAL AND EVEN PRIVATE WING( UMSC) is NOT PANEL WHEN others insurance all are there. SO DAMN LOUSY MEDICAL CARD AND NOT CLAIMABLE/REIMBURSEMENT VERY DISAPPOINTED!!

This post has been edited by max880930: Feb 16 2019, 10:37 AM

Can u pay and claim back?

I can pay BUT PRUDENTIAL ALREADY CONFIRMED ITS NOT COVER AS OUTPATIENT/DAY SURGERY! NO GUARANTEE LETTER GIVEN ALSO.

My plan is old med card since its years back. Pruflexi med. Heres the Pru hotline: 03-2116 0228. you guys can call and verify it. OUTPATIENT: NOT COVER. RAI: Radioiodine day surgery: NOT COVER!

Hospital response..Prudential memang macam tu....

PHOTO from policy as prove. Prudential buyer..please BEWARE AND CHECK WITH YOUR AGENT OR INSURANCE.

This post has been edited by max880930: Feb 16 2019, 01:06 PM

ya, outpatient is not cover and grace period also long wait.

My case just approved after diagnosed with Panel Doctor, but got over 35% loading since I'm overweighted.
Waited nearly 3 week due to brought pre-CNY.

issit possible to request the loading to be lowered for a current policy ar?

It is highly dependent on whether the "health issue" has been resolved, whether any recurrences and how long ago.

For eg, if admitted once for bloated liver, a loading of 25% may be imposed if the admission was recent when applying for the insurance.

After 2 years of non recurrent, you may ask your agent to help apply to remove the loading.

In other cases like breast cyst (after remove) it may require longer

hi max, if im not mistaken, RAI is not considered as day surgery. say if you have medical card with other company, highly likely not able to claim. is this RAI taken after a admission/surgery related to thyroid previously?

Yes RAI is day surgery at government hospital ( PPUM ) UNless you go to private hospital and do admission and enjoy holiday there. of course,you will FAIL admission cause they dont have the iodine-131 immediate, they have to order from Nuclear department that will need 3 weeks.... Only Prince court and SJMC have nuclear facility for private.

Most important is CASHLESS Admission for OUTPATIENT TREATMENT is confirmed by Prudential Its NOT COVER and NO CLAIMABLE UNLESS ACCIDENT.

AIA Old plan do cover Outpatient/day surgery. AND prudential NEW PLAN DO COVER NOW.

Old plan like us is NOT COVER and even they wrote it clearly in the policy book. i wonder how many people with old plan still havent realize that! only when Reach hospital only they know shit..i have to pay upfront...wtf is this card use for..

Im Paying almost RM2k+ now pending per-admission for the RAI MED (wait..3 weeks) since they rejected by saying they only cover 7 days per-admission.

This is first time RAI for thyroid since its getting worse. and not consider pre-existing since its already brought for 7 years.

OLD PLAN of PRUDENTIAL..Please double check it with your agent..even agent wont know..simply just call Prudential hotline and you will know Remember RECORD THE PHONE CALL.

ATTACHMENT IS my prudential policy that mention outpatient treatment is covered BUT when you call them.. they will say NOT COVERED unless accident only and its still in dispute now.





This post has been edited by max880930: Feb 27 2019, 11:54 PM

do check the terms under "Day Surgery". there are details written in there which day surgery is covered. not sure whether new plans cover or not though. have to check the fine print in the policy contract document.

edit: just saw that the Day Surgery is under outpatient in your policy book. for your case, you check is the outpatient treatment based on reimbursement claims?

This post has been edited by ckdenion: Feb 28 2019, 09:35 PM

Prudential customer service and agent confirmed outpatient treatment/day surgery is NOT COVERED AND NOT CLAIMABLE... the outpatient treatment mention in the policy is for 30-90days after surgery only can be reimburse so if you select for day surgery the old plan Pruflexi MED is NOT COVER/CLAIMABLE..

My advice to prudential owner, please double check it if you still on the old Pruflexi med plan..damn lousy card.

Dear prudential agents, is there any good saving insurance that provide guarantee cash value upon maturity?

oic..mine was a preexisting condition that led to loading...
so no way about it?

since my premium is inclusive of loading,does that mean whatever rider i purchase in d future will b subject to loading too?

For those interested to follow this discussion on this issue pls click below.

Link to response

My personal advice is buy insurance for its protection values, not for savings.

You may click on my blog which further explains the above Insurance 101

The Point of having insurance is to have sufficient cover during our "save/invest" period.

When we are unable to save due to illness or death, the insurance payout can be use for family expenses or to settle our loans/credit card/bills etc.

I suggest you discuss with your insurance agent if you are looking at that.

A pre-existing condition is very wide as it means the problem was already there before the insurance was taken up.

Otherwise people will just wait until have Cancer to apply for a health insurance.

For example client had gastritis when applying for the med card and loading of 25% with Exclusion on gastritis was imposed on the medical card.

After 2 years of non recurrent of gastritis, we applied to have the exclusions removed and it was approved.

If it is not convenient for you, you may PM me the condition of the pre-existing illness, to see how I can help you forward.

Hi, is there any waiting period if I want to change my PVM to PMM?

This post has been edited by NiLeS: Mar 6 2019, 07:59 PM

That is considered downgrading the plan, therefore theoretically there should be no Waiting Period (WP) provided that your PVM has surpassed all the WP

You may want to confirm with your servicing agent on whether it can be done as the PMM (1st series) medical card is no longer being offered for sales.

EDIT

Poster was asking about PruMillion Med (and not PruMajor Med. PruMillion Med is the newest medical plan from Prudential) offering an annual limit of Rm1.28m with unlimited lifetime.

It is considered an upgrade and there is no Waiting Period (provided that the PruValue Med has surpasses all Waiting Period) if done as a transfer of medical card.



This post has been edited by roystevenung: Mar 7 2019, 10:29 AM

Hi guys,
just brought my prudential investment link last year.

i login my prudential online saw this..

PRUlink GMN fund
Unit Balance = 0.00152
Unit Price = 1.98522

may i know how much RM i got for this fund?
Thanks

This post has been edited by sl3ge: Apr 4 2019, 03:03 PM

Unit balance * unit price is your cash value

0.00152*1.98522 =RM0.003
i only got RM0.003 ?