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 All about PRUDENTIAL & insurance updates!, any insurance related issue are welcome

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plouffle0789
post Jan 20 2021, 08:00 AM

Regular
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Senior Member
1,825 posts

Joined: May 2010

QUOTE(Colaboy @ Mar 8 2012, 11:54 PM)
the new plan premium will be close to PRUhealth, below are just a sample of the highest coverage for each plan
which include a basic life RM12K & also a waiver rider for a male below age 30 (non-smoker)  hmm.gif

FlexiMed               
*Premium - RM222/month                                                                   
*Coverage - RM200,000 p.a / RM4 Mil lifetime             
*Room & Board - Will pay you back the difference in cash as an allowance
*Pay only RM300 when you are admited      RM300min - RM1,000max or 10% co-insurance

PruHealth
*Premium - RM212/month
*Coverage - RM150,000 p.a / RM1.5 Mil lifetime
*NCB - No Claim Bonus - RM500 per year
*RM300min - RM1,000max or 10% co-insurance
*
https://www.prudential.com.my/export/sites/...e/prugrowth.pdf


288% true??????????


5 pay 20?
plouffle0789
post Jan 20 2021, 08:01 AM

Regular
******
Senior Member
1,825 posts

Joined: May 2010

QUOTE(roystevenung @ Jan 19 2021, 10:45 AM)
There is a slight chance that it is not be necessary to increase the premium as PruFlexi Med (Full Claim) + Hospital Income (built in into the room & board) commands a higher insurance charges than the PruValue Med (PVM) / PruMillion Med (PMM) with a RM300 Deductible (that you need to pay yourself).

Get a quote from your servicing agent for a RM100 and RM200 R&B PVM & PMM for comparison purpose.

For PVM, you can also ask your servicing agent for a quote for RM300 Deductible & full claim before deciding. For PMM, it is fixed RM300 Deductible as there is no option for a Full claim.

My advice - to lower the monthly premium/COI, is to get the RM300 deductible as it is not always we get admitted to the hospital.
*
https://www.prudential.com.my/export/sites/...e/prugrowth.pdf


288% true??????????


5 pay 20?

 

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