All about PRUDENTIAL & insurance updates!, any insurance related issue are welcome
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 Jun 9 2021, 11:53 PM
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#1
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Probation
15 posts Joined: Dec 2019 
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 Hi, recently thinking to buy a pregnancy insurance and looking at this PRUMy Child Plus. This is the quotation I get based on my RM200 budget, sounds good? And I still have few considerations that need some advice: 1. Should I change pruvalue med to prumillion med? Worry if any congenital condition then unable to upgrade medical plan anymore 2. Should I change to 2 parents payor basic? Will this cost much? 3. Is child really need the total multi crisis care? |
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Jun 10 2021, 07:33 AM
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#2
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Probation
15 posts Joined: Dec 2019
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QUOTE(roystevenung @ Jun 10 2021, 12:21 AM) 1 & 2. You may ask for a quote to lower the sustainability (until the child is age 60) while maximizing the cover with PruMillion Med / double parent payor to see if it is still within your budget. Thanks for the suggestion, will try ask a quote, another concern is: “This product comes with Extension of Coverage Term...” Will congenital condition/ any insurance claims made affect this extension? Or confirm will auto extend if funds enough/ pay additional premium? (My purpose to buy before baby born is to make sure no matter what health condition is, still get insurance cover, so maybe when child reach 5/25 years old will review and lower/higher the coverage based on financial situation) |
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Jun 10 2021, 07:35 AM
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#3
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Probation
15 posts Joined: Dec 2019
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QUOTE(lifebalance @ Jun 10 2021, 12:00 AM) 1. You can do so if that would address your concern Yeah, I think I will maintain the total multi crisis care.2. Just checked, since I don’t have your details, the premium may vary between additional 15 to 30 monthly 3. To me, I wouldn’t say it’s necessary but if you’d like to add on just in case the child is born with certain defects, they’re covered for at least 50k in CI through their lifetime, may not be a lot of money but then again better than nothing right? Thank you. |
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Jun 10 2021, 12:23 PM
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#4
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Probation
15 posts Joined: Dec 2019
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Ok, really great and useful info, thank you very much lifebalance and roystevenung
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Jun 11 2021, 08:21 PM
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#5
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Probation
15 posts Joined: Dec 2019
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Hi, may I know am I allow to downgrade my PRUvalue med plan 400 to plan 200? Others remain.
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