Hi

I am interested in infant care plus policy

Can you explain a bit

Hi, I would like to seek clarification for Prudential, total multi crisis care insurance. I read through the brochure, there is a clause stated that:-

A maximum of 4 early critical illness (consists of early stage and intermediate stage) claims are allowed subject to RM200,000 per life limit.

If someone purchase the insurance, TMCC with sum insured of RM300k. For eg:-

1st CI, heart attack = early stage claimed should be RM150k
After few years, 2nd CI, cancer = early stage claimed limited to RM50k (instead of RM150k)

Is the illustration above correct?

Yes the above illustration is correct as Early CI comes with a RM200K per life limit

Thanks for the prompt response.
May I know is it encourage to include payor saver rider when consider to buy for total multi crisis care insurance?
What is the benefit of payor saver rider associated with this insurance?

hey roystevenung wanna seek for your advise, is it true that for premium re-direct or switching of fund on investment link policy,
we can only switch between the funds stated in the product disclosure sheet of the policy?



cannot switch fund not in the policy? because i found there are more performing funds on Prudential funds webside

Good morning.

I have a question regarding my insurance policy.

Currently I have medical card Prudential BSN Takaful HealthEnrich Premier. Already 10 years.

Normal clauses, etc, etc

Including 90 days before and after warded treatment. Pay and claim.

It is also stated if kena critical illness, cancer, heart bypass, etc automatically no need to pay premium any more.

However in case if kena bypass, you need to take medication for life, is it covered (pay and claim) even after the 90 days?

Thanks in advance.

Good morning.

I have a question regarding my insurance policy.

Currently I have medical card Prudential BSN Takaful HealthEnrich Premier. Already 10 years.

Normal clauses, etc, etc

Including 90 days before and after warded treatment. Pay and claim.

It is also stated if kena critical illness, cancer, heart bypass, etc automatically no need to pay premium any more.

However in case if kena bypass, you need to take medication for life, is it covered (pay and claim) even after the 90 days?

Thanks in advance.

while waiting for the "official" response from that company,....

my suggestion is to try go read your policy to see if there is something like as per attached image,
then go thru the policy in details to see if routine out patient medication for by pass is covered or not ....

better yet, call/email the company directly to seek "sure" confirmed, latest & valid answers

There is no such clause stated in the policy document as you claim above. It waives the contribution amount, but there is no mentioned whatsoever that you are not required to pay premium anymore if diagnosed with any of the CI.

First of all, it won't be automatic as your agent will need to submit a Critical Illness Claim (after 30 days upon diagnosis) together with the Doctor's report.

Secondly, the payment contribution (based on your frequency of payment, eg monthly/quarterly/half yearly or annually) will be taken over by the insurer and pay on your behalf and not "no need to pay premium any more".

As we grow older (or if there are other factors that affects the cost and cash value eg, medical reprising, funds not performing, withdrawals) our cost of insurance for the medical cover will still increase, therefore there is still a risk that the cost of insurance is more than the contribution.

If and when this occurs, you may be required to do a top up in order to sustain the policy.
No, medication after the 90 days is not covered.

For investment-linked policies, if I put extra money into my insurance, does the extra automatically go to investment and becomes my cash value?
And can I withdraw them out to my bank, next time if I want to? Thank you!

I don't normally answer a question with more questions but in order for you to have a better decision making on whether to switch, you need to be aware of these things...

Why do you think you will need rm1.38m annually for hospital bill? Is it to cater for medical inflation? 🤔

Supposed that you claimed out Rm500k for the hospital bill, then what? Do you think you can still work to still generate an income? If not HOW MUCH DOES PRUDENTIAL PAY TO YOU since we already paid Rm500k to the hospital... I would opine that this is MORE important than to worry of how much is being paid to the hospital and NOT A SINGLE cent is paid to you.

On the PVM n PMM

Are you also been made aware that the medical insurance charges for the PruMil Med will cost Rm10k pa when you are age 76-80?

Do you know that if you don't claim for PVM for 2 years, the Med Value Point (MVP) will increase by 2% (Rm20k pa) for a Rm1m MVP?
The Unallocated and agent commission starts all over, and the 2 years Incontestibility period applies to the upgraded medical plan, as already mentioned few post back.

PruLink One is not phased out as it is an ILP product that is up to age 100. It is because PMM can only be a rider in PruWith You policy that it needs to be on a separate policy.

Why is it so? Sorry I don't know cause I am not involved in the product design.
Bear in mind that the sustainability is using a fixed formula to calculate on paper, it may differ from the actual performance.

More importantly is that you need to keep track of the projected vs the actual to really understand whether the policy is sustainable in the real world rather on paper.

The recent events (political, pandemic etc) that saw the collapse of many funds are things that is not being foreseen in the projection of the cash values.
So get the Rm1.5 or Rm2m, PVM if you are that worried of medical inflation.

At the same time do remember to top up on your CI/TPD as explained above.

If unable to work due to serious illness/accidents and if your income is Rm5k per mth, that is Rm600k loss of income for the next 10 years to you or your family.

That IMHO is better to be protected rather than worry about just the medical cost...

May I know what you mean the medical insurance charges for the PruMil Med will cost Rm10k pa when you are age 76-80? Is it the insurance charges will increase every year or what?

Actually I couldn't find any brochures about PruMillion Med. Do you have it?
My current plan is PruValue Med. The COI of this plan also increase as I grow older?