Hi,

I bought pru-senior med for my parent years ago, with a deductible of 6k and a life time limit of 225K.

However I realized that 225K might not be sufficient, hence i am interested to buy another insurance to improve the limit of this insurance.

I've checked online and found that pru-value med has a plan with 20k deductible. I wonder can I buy pru-value med so that I can utilize pru-senior med or the first 6-20K and use pru-value med for the rest?

I am open to other options as well, thanks!

I bought it when he was 49, i think the entry age is 45 - 70, premium is only RM1587 annually, expiry age 80..

the drawback is i have to fork out the first 6k whenever something happen, unless it is outpatient then i only have to pay 10% of the total cost.

another is the low lifetime limit (225k).

but good thing is it is cheaper and it does the job to offset the risk that i have to fork out large sum of money, my budget was very limited back then

The way i see it is how many time i can claim the insurance, if 100k, then 225/100 then i assume he can only get major sick 2 times in his life.

for 50k, then 225/50, 4 times, imo it is very few consider we still have 20+ years until he reach 80, and 50k is quite large amount for me if the 225k runs out.

hence i think 20k makes the most sense to me, just that i am not sure whether it can be utilized this way or i have to finish the lifetime limit of the first one first before i can use the second one.

This post has been edited by likitsaelee: Aug 13 2020, 04:02 PM

I see, thanks for checking it for me, really appreciate it!

That is good enough for me, thanks for the answer!