I am holding an old plan called Pruflexi Med with only 80k annual on medical bill

I am interested to get PVM with deductible clause , is it possible and eligible?

any expert agent here can help?

Hi Sifu,

Need some enlightenment and verification

Currently i am holding a medical called a.k.a (1)pru flexi med, detail roughly as below
-annual limit 80k
-no co-insurance

I found out that the 80k isn't sufficient for long term, so i have decided to get 2nd medical card a.k.a (2)pru value med, detail as below
-1 mil per lifetime
-deductible 20k

my question is
1) can i use my 1st medical card to combine with 2nd medical ? i suppose YES
2) what is the concern in using both of these card? any complication or any circumstances that i need to foresee in order to fully make use of it?
3) any pro and con of holding 2 cards like this?

the reason i get these 2 is because :
1) 1st card don't have deductible, i can enter hospital without any payment, it also provides me additional income fall under prumed
2) 2nd card is to be ready in case my medical bill goes beyond 80k, since i am ald holding a medical card, having a deductible 20k could save me a lot of premium instead of deductible 300 or 0

hi sifu, can you elaborate more on this regarding on the date synchronization thing

Does this means that i have to reserve 20k from my 1st medical card in order to use 2nd medical card?

Lets say i hit the bill @82k, i need to use 2nd medical card and deduct 20k from my 1st medical card? am i right on these?

according to your experience, using these method to claim will have complication from the hospital ?

it sounds not right because my 2nd medical card needs to deduct 20k first only can use
so why the 2nd card only pay 2k? it should be 42k right? (20k for deductible from 1st card, 22k for the bill)
the itemized bill should be
Total payment : 82k
1st card : 60k , remaining 20k pay to 2nd card deductible
2nd card : 22k

my calculation wrong?

if so then how to combine these 2 cards?

if 82k direct deduct 80k from 1st card then 2nd card 20k deductible who pay?

thanks for clarification sifu