I was looking at the prumed brochure recently and a friends quote. Some qs

1. If I take deductible RM20k coz I already have company or say GE basic medical card. I understand that Pru only cover once reach RM20k. But in real life how does it work? So when warded who's GL to use? Then Pru pay first or how to split the bill, i.e. first RM20k to my basic insurance, then after RM20k switch to Pru for bills?

2. My friends showed me a quote he got, but funnily I can't see the age coverage even he told agent he want up to 90 years coverage...

Any help is appreciated.

Thanks. Can u set the deductible date as per the brochure?