1. PRUflexi med is more expensive (approx. 10% more than PRUhealth) as PRUflexi med has options for full claim or RM300 deductible whereas PRUhealth is subjected to coinsunsurance :-

For PRUhealth, the co-insurance amount for in-patient are minimum RM300, 10% of the bill up to a maximum of RM 1K.

2. Both of them are medical riders that needs to be attached to the Investment Link Policy. PRUflexi med is the newer medical plan which we plan to offer to our existing Prudential customer as an upgrade from PRUhealth in the near future.

3. Both PRUhealth & PRUflexi med are able to be extended to age 80,90 & 100. It is much dependent on your budget. The higher the expiry age, the higher the premium is needed in order to support the policy.

If you got quotations from other companies as well, you'd notice the same trend in terms of the premium rate. Most only state for 30 years as its a system limitation from the quotation system. Furthermore trying to project anything longer than 30 years may not be that accurate.

I apologize for the misunderstanding. The premium table for expiry age at 70 is up to age 60 only because after age 61, it is projected that you need to pay the same amount of premium at age 60 till 70.

I couldn't agree more on the retirement thing, furthermore in 30 years time from now the RM1K co-insurance may not be valued at RM1K.
Note: the minimum is RM300 and the maximum co-insurance for in-patient is RM 1K, but for outpatient is 10% up to the maximum is RM 2K.

A bowl of mee costs less than RM 0.50 during my primary school days :-)

PRUhealth & PRUflexi med are riders that needs to be attached to an ILP policy. For PRUhealth, if you're worried on the annual limit, you can attach a rider called PRUannual limit waiver that waives the annual limit.

For example if the bill were to cost RM 200K and the annual limit was RM 75K, we would have to fork out RM 125K even if you have PRUhealth or PRUflexi med.

However, with the PRUannual limit waiver, this is what you need to pay.

1. RM 1K for co-insurance for the 1st RM 75K
2. 10% for the balance of RM 125K = RM12,500

Total that you need to pay is RM 13,500 as oppose to RM 125K without the annual limit waiver.

Do note that auto-upgrade feature can only be attached to plan PH300