All right lets start this topic going on with our latest medical card which are hot from the oven     
I'm very excited with this medical plan as it give such a great coverage to my customer with affordable premiums.

PRUflexi med

*112 combination
to choose from your preferred level of coverage.  Pick from 7 Hospital Daily Room & Board Allowance
& 16 Annual Limit options from RM50,000 up to RM200,000, then create a plan of your own

*Hopital Room & Board Allowance
If you are staying in a lower R&B than your chosen Hospital R&B Allowance, we will pay you back the difference in cash
as an allowance. Will not effect your Annual Limit!

*NO More BILL SHOCK!
Zero deductible & pay nothing when you are hospitalised or you can opt for deductible RM300 with a minimal fixed fees!!

*High Lifetime limit at 20 X Annual Limit

*90 days for Pre hospitalisation  & 90 days Post hospitalisation for out-patient treatment!!

Either you diagnose or not diagnose with critical illness, your cash value is the same. Because cash Value is the left over premium after deducted insurance charges. Thus, high coverage will tend to have higher insurance charges and thus eat all the cash value.

guys, i decided to ask question here, until i am ready.

1.PRUflexi med and pruhealth ,, which is more expensive?
2. PRUflexi med and pruhealth, do both of them provide med card?
3.
-PRUflexi med and pruhealth, why expiry age 70, but premium rate stated until age 60?
-expiry age 80, but premium rate stated until 70?

1. PRUflexi med is more expensive (approx. 10% more than PRUhealth) as PRUflexi med has options for full claim or RM300 deductible whereas PRUhealth is subjected to coinsunsurance :-

For PRUhealth, the co-insurance amount for in-patient are minimum RM300, 10% of the bill up to a maximum of RM 1K.

2. Both of them are medical riders that needs to be attached to the Investment Link Policy. PRUflexi med is the newer medical plan which we plan to offer to our existing Prudential customer as an upgrade from PRUhealth in the near future.

3. Both PRUhealth & PRUflexi med are able to be extended to age 80,90 & 100. It is much dependent on your budget. The higher the expiry age, the higher the premium is needed in order to support the policy.

If you got quotations from other companies as well, you'd notice the same trend in terms of the premium rate. Most only state for 30 years as its a system limitation from the quotation system. Furthermore trying to project anything longer than 30 years may not be that accurate.

Are you saying auto upgrade is free if I holding a PH300 plan? What is 60 to age 70 insurance charges for PH300 per year based on projection?