Thanks for the feedback
How about the critical illness benefit? her policy also includes critical illness benefit? What sort of critical illness benefit will be provided?

If she had bought any Critical Illness/payor coverage, she can submit the claim to Prudential together with the claim form, doctor statement on Cancer and the necessary medical reports

Hi is there any prudential agent here. Can pm me. My agent no longer working.. I need help.. Want to upgrade as well as get a new insurance for life

while waiting for responses...
if that help is really urgent....do try contact Prudential office nearest to your residence.

Anyone upgrade from PVM to PMM is it better since it is not using the med value point now?

There is total of 4 option which option is the most reasonable for fresh graduate coming out to society

Rm1.38 option shall suffice. Alternatively you can still remain with the PVM until your income improves

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This post has been edited by pmaxv: Dec 31 2019, 01:32 AM

When you do an upgrade from an older medical plan to the PruMillion Med, it is considered an increase of risk to the insurer, therefore a set of Health Questionnaire will need to be answered during the upgrading application process.

If a claim happens within that 2 years of incontestable period after the upgrade, the insurer will have the right to investigate on whether the non-disclosure happens before the upgrade was perform.

If the insurer suspects that it may be a case of non-disclosure, the insured will be required to pay and file in the claim for claims consideration.

The insurer will then check whether there is any element of non-disclosure by checking on the clinics/hospitals. At some cases, the investigation may also look at the insured work, taking frequent day off MC, etc.

Should the investigation favors the insured (meaning no record found) then the claim will be paid. Otherwise a re-underwriting process will occur and re-offer/acceptance may occur on the policy.

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This post has been edited by pmaxv: Dec 31 2019, 01:32 AM

The 2 years incontestable is on the upgraded medical plan as it is an added risk to the insurer.

For the medical plan upgrade, if the investigation is found as a non-disclosure of a material fact, a re-underwriting for non-disclosure process shall apply.

If there are revised terms and conditions for the medical plan coverage, a Conditional Acceptance Letter (CAL) /
Exclusion Acceptance Letter (EAL) will be issued to the insured for acceptance.

If the insured chooses not to accept the new terms, the upgrade will be rolled back and the assured will continue
to be covered by the medical plan prior to the upgrade.

Bottomline, make sure every health questionnaire is answered properly (be it upgrade or buying a new policy) and made known to the insurer during the upgrade.

This post has been edited by roystevenung: Dec 20 2019, 02:11 AM

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This post has been edited by pmaxv: Dec 31 2019, 01:32 AM

Mrs @ Age 41
RM390/Month
1) Life/Critical Illness : RM50,000
2) Room and Board : RM200/day
Medical Coverage : RM1,320,000 p.a
( No co-insrance )
3) Waiver Benefit upon Critical Illnesses
4) Cash Value @ 20 year : RM73,000±

Mr. @ Age 42
RM500/Month
1) Life/Critical Illness : RM50,000
2) Room and Board : RM200/day
Medical Coverage : RM1,320,000 p.a
( No co-insrance )
3) Waiver Benefit upon Critical Illnesses
4) Cash Value @ 20 year : RM97,000±

Baby Girl @ Age 3
Payor : Age 42
RM220/Month
1) Life/Critical Illness : RM50,000
2) Room and Board : RM200/day
Medical Coverage : RM1,320,000 p.a
( No co-insrance )
3) Waiver Benefit upon Critical Illnesses
4) payor Waiver Benefit upon Critical Illnesses up to child age 25
5) Cash Value @ 20 year : RM49,000±


Someone quote me this for medical card. Is it good?
Frankly speaking I think is too much. Should I look for other agent?

You may ask for a PruValue Med quote to compare, if the budget is your main concern.

Hi guys, I am paying rm450 for prulinkone insurance... Is it a good plan?

My second question is My agent seems not bothered communicating with me, is it possible to change agent?

Need to check the contents of the 450 and more importantly it is suitable to your needs.

You can do your own analysis on the sustainability of the life, ci, tpd or medical cover by adding all your money at work should unable to work due to the above events. EPF, cash, rental income, insurance, etc

Point is the 450 is not a gauge on whether the insurance plan is sufficient or good/bad. It has to be measured vs your needs.

You can change the agent. However the new agent will not earn any commission as it will still go to the old agent (up to 6 years).

The new agent will only earn if you do any upgrade or buy additional plans.

Most agents who see this as a long term business will have no problem to take over the policy to assist.

Is there anyone who bought the PRUWealth Gain policy partnered with UOB?

It seems like everyone here is covered by at least a mil.

Looking back at mine under 'PRUlife ready' which i purchased years back seems a little dated with coverage just 100k with monthly commitment of RM211.

Is my plan still good?

My opinion is that at the moment PVM with Rm1m is sufficient.

You may look at upgrading to that together with the CI/TPD/Accident

However some just like the idea of having unlimited plans, which naturally translate into higher insurance charges

Not sure what the products are available for banca insurance...

Irrespective of the product, when you buy insurance, buy it for protection, not for savings or investment.

You can read more on my blog. Link in my sig 😝

wow. . . . Been almost 1 year ++
Sorry guys dont have the time to post much here back than
well good to see this forum still active
HAPPY NEW YEAR for 2020!! Have a great year ahead..