Hi,

I bought pru-senior med for my parent years ago, with a deductible of 6k and a life time limit of 225K.

However I realized that 225K might not be sufficient, hence i am interested to buy another insurance to improve the limit of this insurance.

I've checked online and found that pru-value med has a plan with 20k deductible. I wonder can I buy pru-value med so that I can utilize pru-senior med or the first 6-20K and use pru-value med for the rest?

I am open to other options as well, thanks!

I bought it when he was 49, i think the entry age is 45 - 70, premium is only RM1587 annually, expiry age 80..

the drawback is i have to fork out the first 6k whenever something happen, unless it is outpatient then i only have to pay 10% of the total cost.

another is the low lifetime limit (225k).

but good thing is it is cheaper and it does the job to offset the risk that i have to fork out large sum of money.

The way i see it is how many time i can claim the insurance, if 100k, then 225/100 then i assume he can only get major sick 2 times in his life. 

for 50k, then 225/50, 4 times, imo it is very few consider we still have 20+ years until he reach 80, and 50k is quite large amount for me if the 225k runs out.

hence i think 20k makes the most sense to me, just that i am not sure whether it can be utilized this way or i have to finish the lifetime limit of the first one first before i can use the second one.

Yes it is possible.

However Rm6k will still need to be paid and the possibility that your mum will be left with only the Rm20k deductible plan once her PruSenior Med Plan expires at age 80.

Background story:
Been having some “minor” heart issue since 8 years ago and need to go for scan/follow up every 2 years
So far condition is stable
This year asked my agent to write a note to try to remove this condition from exclusion list but Prudential rejected