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....

Hi i m newbie here & let me introduce myself i m 26 year old didnt bought any insurance.. this few day got a GE agent(frien) promote me a medical card which include saving, medical card & life insurance cost rm200 per month benefit 10% deposit critical in hospital can wave.. but i more interest in prudential due to my whole family member is prudential supporter n gt a bad experience from GE.. so i need all sifu advised is prudential got any package like GE?

You can consider on PRUFleximed  . . . but due to your cholesterol lvl there might be some loading in the premium
Fleximed last purchased is on 31st MARCH 2015 . . . will soon be replace with the NEW Valuemed card

Details on the new medi card will be posted soon . . . but personally the FLEXIMED is the best card ever Prudential have offer  . . .    

<< PRUvalue med Brochure >>

Is it true new policy no longer have allowance for hospitalization?

updated on some information  . . .

age 25

life - 100k
accident - 100k
medical card protection - no overall annual limit

please quote me the price

i found out prudential coverage is more expensive than others with similar riders etc....why is it so?

Its quite normal in the insurance industry for agents to come and go.

You may try to call the old agent to clarify whether he has quit the business.

If yes you may then transfer the case to the another agent of your choice (if you have one).

Do note that the new agent will not earn any commission, but more of a service especially during a claim.

If you have any questions just ask.

The same reason why some business open and close.

U mean 'saver' account is in investment link? We need to clarify with agent to request it or if got extra money it will automatic go to saver account?

I have a medical card too.

the AIA savings plan - buy 9 yrs ago.