This year onwards it is via electronically, no more paper.

You can download the statement by registering for << Prudential Customer Portal PruAccess Plus >>.

Alternatively you may contact your servicing agent or walk in directly to any Prudential branch for assistance.

It will depend on your company insurance whether they will pay the RM300.

You can submit the certify true copies of the medic reports, discharge summary, itemised billing and the original receipt for the Rm300 to your company insurer for claims consideration.

More importantly you need to understand how the rm300 can really benefit you in a long run.

If without the Rm300 upon admission, you may need to pay rm30-50 more per mth on your insurance premium.

How old are you and how many times have you been admitted to the hospital?

Assuming you are 30 yrs old and has been paying for full claim, rm30x12=360 per year, or rm10,800 for the next 30 years.

Yes if the event is related to your pre existing illness as mentioned in the policy document then it is not coverable.

However some minor pre existing illness(eg gastritis) over time can be appealed to be removed.

PM me your pre existing illness if you are not comfortable to mention here, see if I can help.

Yes I do have claims submitted after 8 mths, customer misplaced the bill due to cancer stressed, it was honored.

My question is why wait until one year only test whether the claim is payable? What if Pru reject? Better submit everything asap, payment also will be swift.

Anything that is related to the heart is no minor issue unless it is being triggered by certain event,eg drinking coffee can cause palpitation.

If after 2 years of non recurrent for the heart issue, you may get your agent to appeal to remove the exclusion by writing a simple memo.

1. That is not what I said, please read again what I had typed 
As for the details on how long it is claimable for the follow up upon discharge from the surgery, it is maximum up to 90 days.

2. So it is not a minor issue, otherwise there won't be a need for future follow up.

3. Appeal to Remove exclusion can only be "considered" once it is no longer on a followup for at least 2 years. Key word here is 'considered'

There is no harm in trying to remove the exclusion if your policy has been in effect for 2 years

1. That is not what I said, please read again what I had typed 
As for the details on how long it is claimable for the follow up upon discharge from the surgery, it is maximum up to 90 days.

2. So it is not a minor issue, otherwise there won't be a need for future follow up.

3. Appeal to Remove exclusion can only be "considered" once it is no longer on a followup for at least 2 years. Key word here is 'considered'

What's the story? Pls tag if you had ask before. Sorry i cant possibly remember everyone's case 😔

If it is still under follow-up with the Doctor then the Exclusion will still remain.

Only until the Doctor had cleared you that you no longer need to go back for follow up (with no recurrent) there is a possibility of having the Exclusion remove.

Was it palpitation?

Why bad idea according to you?

To answer your question, you need to look at your current's policy sustainability. If your current policy sustainability is up to age 80, then if you add TMCC to the existing policy the TMCC cost of insurance is also calculated to sustain up to age 80 (since TMCC is a rider that will follow the policy sustainability term).

Do you think you'd still be working to generate an income at age 75 or would you have retired?

If not, then just start with a new TMCC policy limiting the sustainability age to 60 or 70 (albeit with a lower premium) to act as income protection during our productive years.

Case to case basis depend on client history , endorsement details and so on....fastest i say is 1 week , longest can takes 2months...
provided the agent submit via e-endorsement not the physical endorsement ya....

if lets say just modify sum assured and policy holder does not have any medical record like admitted to ICU , kena covid etc then very very fast.
if something happen and need further investigation , the endorsement could take months....

i just perform e-endorsement for my client recently which have clean health record. 25th June submit , 7th July approved

What is the coverage amount ?