1. The PruHealth (PH) comes with an annual limit and lifetime limit of Rm150K/Rm1,560,000 while the PruValue Med (PVM) comes with MedValue Point (MVP) Rm1M to Rm2M and no lifetime limit. If the total cumulative bills exceeds the MVP, Prudential will still pay 80% of the bill.

PH comes with a co insurance plan min Rm300 or 10%, maximum Rm1k (inpatient) and 10% up to a maximum of Rm2k for outpatient.

PVM comes with the option of full claim, Rm300 deductibles.

* For PVM, for Cancer Treatment and Kidney Dialysis, it do cover Take Home Drugs, Long Term Medication and Consultation Charges" while PH does not as it is an older plan.

Plans aside, if you are not worried of getting ICU or cancer for a prolonged period of time then there is no need to upgrade as of yet.

* Ps. A 30 days ICU due to Stroke or coma due to a major accident can costs > Rm120k at a private hospital. If the bill is Rm250K then for PH, you are required to settle the Rm100K with the hospital

2.
Pros: Covers Take Home Drugs, Long Term Meds and Consultation Charges and will be able to take care of larger bills in one go.

For PVM plans with Rm300 Room, for every 2 years of no claim, the MVP will be increased by 2%, eg MVP Rm1m will be Rm1,020,000 after 2 years of no claim, irrespective of the medical condition.

Cons: Naturally PVM comes with a higher insurance charge as compared to PH as the sum at risk is only Rm150k, while PVM Rm1m

No NCB for PVM

3. No, the NCB will be dropped since PVM does not have this feature of the NCB.

4. Most likely it will, and how much higher will it cost will depend on the types of riders you have in the plan. If you only drop PH and get PVM, do expect the premium to increase 20%-30%.

That is why for some of my clients, i do advice them to drop some of the add ons benefits such as "Hospital Income" and concentrate on the bigger hospital bills.

You may ask your servicing agent to generate a quote for you as simulation for upgrade.

PruHealth 400 Annual limit Rm150k, lifetime limit Rm1,560,000

Having said the above, it is best to sit down and review with your servicing agent to understand what add on riders you have and whether it is necessary to have them.

1. Yes it is normal unless you add on PruSaver of which 95% of it will be going to purchase units which will be reflected in the Investment Unit Account ( IUA), 3% agent comm, 2% admin fee

2. No, it is fixed allocation and it also depends on the policy year. For example the 1st year allocation for BUA and PUA is 40% and will only be 100%'after 7 years. The allocation table is being illustrated in the Sales Quotation.

3. No unless you specifically put it to PruSaver.

4. If the policy is over 7 years then no as 100% of it will be used to buy you units and insurance charges is being charged by cancelling units.

5. I am afraid that it is only available during the Sales Quotation. It is a very good question.

However I dont see any system that is currently available on the agent panel that is able to view this info.

Perhaps you may email to Customer Service if you need this info to be included in the PruAccess Customer Portal.

PruAccess Online Customer Portal

6. Pls see answer 5.

Thanks

1. Yes

2. No, unless you increase or decrease the BUA or PUA protection.

3. Even if the BUA/PUA allocation is 100%, since there are riders in the BUA/PUA, units will still be cancel to pay for the insurance charges of these riders to provide you with the coverage.

PruSaver OTOH does not have any insurance cover (other than the 5%) therefore it goes directly to your cash value.