If you are worried of the "under coverage" the "up to age 70" should not be your main concern but rather the annual limit of the plan.

For PruHealth (PH) Rm200, the annual limit is Rm75k with a lifetime limit of Rm750k. The PruValue Med (PVM) gives Rm1m Med Value Point (MVP) with no lifetime limit (subject to your medical plan expiry age).

Whether or not to take up the upgrade is your choice but looking at the medical inflation, it is recommended for you to do so if your budget allows.

I had a client having chest pain and near blackout on second day of CNY, rushed to emergency ward and did an angiogram. One of her veins was having 40% block and the angiogram alone already costs Rm12k (which was about Rm2k in 2006).

The insertion of a permanently placed pacemaker can costs up to Rm100,000 at a private hospital and the annual limit will definitely be a concern.

Someone tell me prudential medical card that need to pay 300 by ourselves that one not worth. Because if for outpatient treatment, eg kidney treatment. If every time go to wash the kidney, we need to pay 300. But kidney treatment need go to visit frequently, eg one week two times. That mean if every time pay 300 by ourselves, then buy medical card also not use. Can someone tell me is it true information?

Which medical card are you referring to? If PruValue Med it works like this:-

Day 1 Kidney Dialysis, Need to Pay RM300
Day 43 Kidney Dialysis, RM0
Day 103 Kidney Dialysis, RM0
Day 193 Kidney Dialysis, RM0
Day 373 Kidney Dialysis, Need to Pay RM300 as the last treatment date is over the 90 days from the last treatment in day 193 (but it wont be needed as there is no gap of over 90 days for Kidney Dialysis)
As per above.

For Outpatient Kidney Dialysis it is pay and claim, but for Cancer treatment it can be issued with GL if able to pre-plan (eg, next week only go for chemo)