Hi sifu-sifu Prudential.

Need your your advice.

Can you confirm my understanding is correct based on scenario 1 below?

Scenario 1
My current policy has Med value Point - RM 1 Million
Based on policy, Prudential covers up to limit 1.5 times the Med Value Point chosen (eg 1 Million). In my case, it will be 1.5Million ( 1.5*med value point).

Let's say I have a 2 Million claims for Outpatient cancer + Dialysis treatment. The breakdown would be

First 1.5 Million - full payment by Prudential (minus Med Saver Rm300)
Subsequent 0.5 Million - Prudential will only cover 80% ( i will pay 20%).

In total - I only need to pay RM 100k only.

In short , after exceeding 1.5Million, the coverage will still be unlimited but on a 80%(prudential) :20%(customer) co-insurance basis.

Please confirm/correct my understanding?

Scenario 2
Similar claim scenario as scenario 1, but now I have added Pru Value Med Booster.

Could you please advise how the calculation works for this?

Could you confirm that Prudential will cover RM 2.0 Million in full , even though my med value point is Rm 1M?

Many thanks