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All about PRUDENTIAL & insurance updates!, any insurance related issue are welcome
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-TcT-
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 Jul 9 2017, 10:03 AM
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Hi all, I am 32 this year and I had purchased PruFlexi Med 5 years ago. However, I also have a group medical insurance plan from my company which is very comprehensive. So far, I have zero claims and unlikely to make any claims in the future. Recently, I found out that Prudential also have another plan called PruHealth which offers no claims bonus (NCB) of up to RM500 yearly. This really suits me as I am unlikely to make any claims as I have a good medical insurance plan from my company and unlikely to leave the company in the future.
My questions are:
a.) Can I switch from PruFlexi Med to PruHealth?
b.) If can, any costs involved and any new terms and conditions?
c.) Actual calculation to derive the No Claims Bonus (NCB)
Hope to hear from you guys soon!
Cheerios!
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-TcT-
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Jul 9 2017, 11:17 PM
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QUOTE(roystevenung @ Jul 9 2017, 05:14 PM) The latest plan is not PruHealth but PruValue Med. You may view the PruValue Med brochure << HERE >>Anyway, the RM500/yr is offered for room RM400/day and is credited into your investment unit account if there is no claim for the policy year. 1.) Yes you may, but do note that PruHealth is based on co-insurance or deductible basis. If you have good company cover, you may opt for high deductible, say RM3K or RM10K. This will save you in terms of insurance charge but OTOH, you will need to standby RM3K or RM10K if the medical card needs to be utilized. 2.) It depends if you are doing an upgrade or downgrade. If Upgrade, then it will definitely cost more. How much more, you may ask your agent to provide you with a quote. For transfer of medical card, there is no waiting period. Any claims below 30 days, it will still be claimable under the old medical card. 3.) Please refer to the online PruHealth brochure (Page 6 of 13) << HERE >>Thank you for your great info boss! Will look for you in case of any upgrade I need in the future. My agent is just a novice, haihz...   |
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