I am holding PruValue Med. I never look into my policy until this MCO since I am free ( I leave it to the agent to propose). After look into my policy, I realized my Room & Board is cover up to Rm300, which I think it is more than my requirement. I plan to walk in to Prudential customer service center in stead of ask my agent to help. Is there any possibility to readjust certain term in the policy? Another question is, is there any possibility that my premium pay become lower if I can adjust the room rate from 300 to 200

I See.
1.According to my policy, the insurance I am holding is with Med Value Point 1.5mil (question: this 1.5mil is renewable / lifetime value point). Refer back to my policy, it written MVPB of RM30k( what’s the meaning?)

2. There are 2 clauses I do not understand which both written in the policy.
-PruValue Med for 300/1.5mil with expiry age of 70.
-PruFelxi Med for 300/1mil with expiry age of 70.

Besides these points, my agent told me that I am cover till the age of 80. However I read the policy,my understand is 70 years old. Correct me if I am wrong.

Hi Roy,

Recently I am looking at my own policy as mentioned earlier, my pru value med insured until 70 years old.
I would like to raise the insurance year to 100 years old.

According to my agent, my insurance for illness is till 100 years old just medical card 1.5mil till 70 years old.
I asked her it is able to adjust everything to 100 years old and let me know how much is the premium.

She said mine is old policy which hardly can change anything. And if I upgrade to pru mil med which it will cost more than I bought a new insurance. She suggest me to buy a new insurance. Is that true?

3 concern here:
1. I cannot adjust my existing policy as its old policy
2. Either upgrade to pru mil med or buy a new policy)
3. If buy a new policy the old policy should maintain for 1 year only surrender