Is the annual premium rate table for PruHealth in the brochure the fixed annual premium payable? Or is it just the insurance charge?

Eg. If I take up PruHealth 400, expiry 70, and I'm currently age 23, does that mean I just need to pay RM1,726.00 yearly? Or once I reach age 26, I will need to pay RM1,824.00?

The fine print says annual premium rate, instead of insurance charge like other companies, so I'm confused on that part. And also, comparatively, PruHealth's premium is extorbitantly high compared to competitors:

Comparatively, in the 350-400 range:
PruHealth 400 - RM1,726.00 yearly
GE SmartMedic 400 rider - RM841 yearly
Hong Leong MediGlobal - 400, ILP rider - RM 1015.20 yearly
AIA Excelcare Plus - 350 rider - RM 805.00 yearly

(Source: http://senseofmoney.blogspot.com)

Hope any Pru agents can help clarify this. If the premium stated in the brochure is the fixed annual premium payable, then it would be great, coz I heard many good reviews of Prudential from my friends.

If that's the insurance charges, then.... its just way to expensive....

This post has been edited by Limster88: Mar 7 2012, 07:05 PM