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All about PRUDENTIAL & insurance updates!, any insurance related issue are welcome

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ckdenion	Dec 8 2017, 07:03 PM Return to original view \| IPv6 \| Post #1
Financial Practitioner Senior Member 2,866 posts Joined: Sep 2008 From: Wangsa Maju, KL	Hi, PRUwealth have rider that covers 36CI? And is it possible to just pay 10 years premium and let it run whole life after that?
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ckdenion	Dec 20 2017, 10:35 PM Return to original view \| IPv6 \| Post #2
Financial Practitioner Senior Member 2,866 posts Joined: Sep 2008 From: Wangsa Maju, KL	QUOTE(initialdota @ Dec 20 2017, 07:29 PM) Hi all,I have a question. i did brain operation last year due to blood tumor. i still need to pay monthly premium?brain tumor not in 36 critical illness list? You can try to file a living assurance claim. Brain tumor/Brain surgery should be considered under 36 Critical Illness but have to see whats your severity condition and also the benefits of your plan whether is early/intermediate severity covered or not.
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ckdenion	Dec 22 2017, 10:26 PM Return to original view \| IPv6 \| Post #3
Financial Practitioner Senior Member 2,866 posts Joined: Sep 2008 From: Wangsa Maju, KL	QUOTE(MeToo @ Dec 22 2017, 05:55 PM) Unker found a Life insurance + TPD (not from prudential) Insured amount : 800k period : 21 yrs Annual premium : 3700... Cheap.... looking to sign this up... unless some better offer comes along... a good deal i would say QUOTE(initialdota @ Dec 22 2017, 08:17 PM) My brither same consider with me and he seek help from his agent....claim processing.. But me,i bought this though 3rd parti and............speechless. what do u mean by claim through 3rd party? if u dont mind to help you you can pm me more details. not so understand ur situation
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ckdenion	Dec 25 2017, 03:55 PM Return to original view \| IPv6 \| Post #4
Financial Practitioner Senior Member 2,866 posts Joined: Sep 2008 From: Wangsa Maju, KL	QUOTE(willwen @ Dec 25 2017, 11:31 AM) Hi, refering to PruHealth and PruValue plan, I see in the brochure the premium rate depends on age range. So my question is, if I enter now and pay $XXX/month (under ILP), will the premium payable increase as I get older ? I mean increase because of age not because of inflation, GST and whatnot. it depends on the insurance charges. there is no guarantee that company wont increase insurance charges in the future. so if premium payable + cash value cannot sustain the policy in the longer run after the adjustment of insurance charges, there is still the possibility that company will increase your premium. QUOTE(willwen @ Dec 25 2017, 11:42 AM) As I understand, the first few years, a percentage goes as commission to agent. If I upgrade after those commission years are over (about 6 years?) , does it mean this process starts all over again? Is that why agent keeps promoting us to upgrade? But it also means it's costly to upgrade since we have to pay commission again which could have gone to the savings/investment portion. On the other hand, maybe this is a good reason to buy the best package in the beginning so no need to upgrade later? if u upgrade along the way, only the upgraded additional premium will be given commission (starts all over again). ur remaining premium which has given commission to the agent wont start all over again. QUOTE(willwen @ Dec 25 2017, 11:57 AM) if I have my own savings that is enough to cover the premiums, then EPB seems not so important. so in this case for the sake of planning, I need to know whether the premium payable increase with my age (my question in the previous post) so I can project the required savings. then maybe it's better to save on the EPB rider premium and work out my own savings plan to cover for premiums after CI/TPD. if this is already in ur planning and insist not to add the EPB, just tell ur agent so.
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ckdenion	Dec 26 2017, 05:39 PM Return to original view \| IPv6 \| Post #5
Financial Practitioner Senior Member 2,866 posts Joined: Sep 2008 From: Wangsa Maju, KL	QUOTE(honkkydorry @ Dec 26 2017, 02:52 PM) What is a recommended insurance medical plan for someone age 46 above and what would be the recommended sum insured that is considered reasonable to cover major illness? Roughly, what kind of monthly premium are we talking about? Anything within RM1800 per annum or RM150 per month premium or is that considered too low? Please advise. hi honkkydorry, are u looking at prudential only? if u r looking for other options you can ask here too.
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ckdenion	Feb 27 2019, 10:34 PM Return to original view \| IPv6 \| Post #6
Financial Practitioner Senior Member 2,866 posts Joined: Sep 2008 From: Wangsa Maju, KL	QUOTE(max880930 @ Feb 16 2019, 12:06 PM) » Click to show Spoiler - click again to hide... « I can pay BUT PRUDENTIAL ALREADY CONFIRMED ITS NOT COVER AS OUTPATIENT/DAY SURGERY! NO GUARANTEE LETTER GIVEN ALSO. My plan is old med card since its years back. Pruflexi med. Heres the Pru hotline: 03-2116 0228. you guys can call and verify it. OUTPATIENT: NOT COVER. RAI: Radioiodine day surgery: NOT COVER! Hospital response..Prudential memang macam tu.... PHOTO from policy as prove. Prudential buyer..please BEWARE AND CHECK WITH YOUR AGENT OR INSURANCE. hi max, if im not mistaken, RAI is not considered as day surgery. say if you have medical card with other company, highly likely not able to claim. is this RAI taken after a admission/surgery related to thyroid previously?
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ckdenion	Feb 28 2019, 09:16 PM Return to original view \| IPv6 \| Post #7
Financial Practitioner Senior Member 2,866 posts Joined: Sep 2008 From: Wangsa Maju, KL	QUOTE(max880930 @ Feb 27 2019, 11:40 PM) » Click to show Spoiler - click again to hide... « Yes RAI is day surgery at government hospital ( PPUM ) UNless you go to private hospital and do admission and enjoy holiday there. of course,you will FAIL admission cause they dont have the iodine-131 immediate, they have to order from Nuclear department that will need 3 weeks.... Only Prince court and SJMC have nuclear facility for private. Most important is CASHLESS Admission for OUTPATIENT TREATMENT is confirmed by Prudential Its NOT COVER and NO CLAIMABLE UNLESS ACCIDENT. AIA Old plan do cover Outpatient/day surgery. AND prudential NEW PLAN DO COVER NOW. Old plan like us is NOT COVER and even they wrote it clearly in the policy book. i wonder how many people with old plan still havent realize that! only when Reach hospital only they know shit..i have to pay upfront...wtf is this card use for.. Im Paying almost RM2k+ now pending per-admission for the RAI MED (wait..3 weeks) since they rejected by saying they only cover 7 days per-admission. This is first time RAI for thyroid since its getting worse. and not consider pre-existing since its already brought for 7 years. OLD PLAN of PRUDENTIAL..Please double check it with your agent..even agent wont know..simply just call Prudential hotline and you will know Remember RECORD THE PHONE CALL. ATTACHMENT IS my prudential policy that mention outpatient treatment is covered BUT when you call them.. they will say NOT COVERED unless accident only and its still in dispute now. do check the terms under "Day Surgery". there are details written in there which day surgery is covered. not sure whether new plans cover or not though. have to check the fine print in the policy contract document. edit: just saw that the Day Surgery is under outpatient in your policy book. for your case, you check is the outpatient treatment based on reimbursement claims? This post has been edited by ckdenion: Feb 28 2019, 09:35 PM
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