If you are worried of the "under coverage" the "up to age 70" should not be your main concern but rather the annual limit of the plan.

For PruHealth (PH) Rm200, the annual limit is Rm75k with a lifetime limit of Rm750k. The PruValue Med (PVM) gives Rm1m Med Value Point (MVP) with no lifetime limit (subject to your medical plan expiry age).

Whether or not to take up the upgrade is your choice but looking at the medical inflation, it is recommended for you to do so if your budget allows.

I had a client having chest pain and near blackout on second day of CNY, rushed to emergency ward and did an angiogram. One of her veins was having 40% block and the angiogram alone already costs Rm12k (which was about Rm2k in 2006).

The insertion of a permanently placed pacemaker can costs up to Rm100,000 at a private hospital and the annual limit will definitely be a concern.

If the budget allows, of course. Everything comes at a cost.

PVM is able to be extended till age 70, 80, 90 & 100

For the existing customers the automatic medical  extension till age 100 will be in stages and will be announce in due course.

However if you want to do changes (endorsement)  to the policy,  it is still allowed.

For the existing customers the automatic medical  extension till age 100 will be in stages and will be announce in due course.

However if you want to do changes (endorsement)  to the policy,  it is still allowed.

do you mean existing customers not automatically extended until officially advised/endorsed by Prudential? so it will take quite a while to endorse all existing customers then

That is correct.

In addition, based on the circular that we had,  the automatic extension is only applicable PruHealth and PruValue Med only.