Better coverage but higher charges then PMM, otherwise PVM.

So far i have yet to see anyone claim out >Rm500k from medical insurance and yet surviving.

First off the PruWith You is just the basic plan that covers Death/Total Permanent Disability. Unless you add the rider of the Medical Cover (such as PruMillion Med, PruValue Med, PruHealth), then you may be eligible for the claim (subjected to the waiting periods of up to 120 days).

May I know what kind of illness/incident are you trying to claim for outpatient at the hospital?

Though you may get a faster answer from asking your agent directly, which is why you chose to buy from that agent, no?

If the lipoma happens after the waiting period and it is not a pre existing illness, then it is claimable, otherwise the claim may be declined.

The procedure can be claimed under day surgery subjected to the above mentioned.

1. If it is just for checkup then no, it is not claimable as it is considered for investigations purposes.

2. However, if it resulted in a surgery as necessary then it is claimable. Most of the time the Dr will schedule another day for the surgery, of which during this time the hospital will arrange with the insurer the issuance of the pre authorization letter (formerly known as Guarantee Letter).

You will be need to pay for the doctors consultation for the first visit, which can be claimed once there is a surgery. This is commonly known as pre hospitalization cost.

After the surgery there will be follow ups, which you have to pay and file claim to the insurer.

There is no brochure other than Infographic and some explanation for PruWith You
PruWith You Infographic

PruMy Medical Plus

Who told you that it is not possible to switch to global funds?

Anyway yes you may and you are free to switch to any funds by filling up the form and submit it to the nearest Prudential branch or you can pass it to your servicing agent.

Additionally, it would be advisable to 'diversify' the funds so as not to put all your eggs into one basket.

---> Link to the Form APPLICATION FOR WITHDRAWAL, SWITCHING OR PREMIUM RE-DIRECTION