Personally I prefer Pruhealth, I notice Pruhealth policy holder will have much higher cash value after sometime due to the NCB. Don't worry you got urself a great deal.

I wouldn't call it pro/con as like Colaboy said, its up to individuals based on budget & needs. However the new PruFlexiMed do look interesting.

Here is a list of differences between PH & PFM.

1. Daily Room & Board choice:
  - PH is able to choose which plan they want, 100, 150, 200, 300, 400
  - PFM, No fixed plan, clients can choose based on their budget & needs,
              Min 100, increment in the multiple of RM50, Max 400
              Payments under R&B for PFM does not reduce the annual limit
              If you stay in a lower R&B, we will pay you back the difference

4. Annual Limit
    - PH, depending on the R&B selected, 50K, 62.5k, 75k, 100k, 150k
    - PFM, min RM 50K, increments in multiples of RM 10K, max RM200k

It means the client can select whether they want to have a minimum annual limit of RM 50K or they can choose RM 60k, 70k... till RM 200K, irrespective if they have a RM 100 R&B! Now that's what we call flexibility. Nice right?

For PH the R&B you selected determines your annual and lifetime limit.

1. If you're okay to be staying at a RM 100/day room (6 bedded) or don't mind paying the difference in room rates, then RM 100 R/B is okay. We don't get admitted that often anyway.

2. I wouldn't term it as Pay Zero when admitted. Clients are normally required to put in a deposit, RM 300~500 (depending on hospital).

Do note that take home drugs, examination test & long term medications is not payable under the new policy contract.

3. If possible, top up the PA to RM200K as its cheap

Overall looks good.