hmm, then i think i will never get the upgrade offer.unless i upgrade it manualkkly.....
thanks for ur info, honestly, most agent wont tell customer so much details...

hi, another Q..can u PM me the plan for PFM,(mayb wif RM300 deductible)
female,
DOB:22/10/1985
non smoker,
until 80yrs old,
budget arnd 200.

If you are planning to terminate the PRUvantage plan and get the PFM, I do advise you against doing so. Even though I don't earn anything from giving you this advise, it is OK

There are many things you tend to lose by doing so. Please visit my blog on this.
http://insurancepenang.blogspot.com/2012/0...et-new-one.html

Be patient, the PRUvantage upgrade exercise will come in due course

Well unless you are getting the quote for someone else?
If you are getting it for someone else, please also provide me with your email address. I will email the full quote for you.

This post has been edited by roystevenung: Jun 5 2014, 03:51 PM

not mine, im getting it for other.

Prudential Medical Plans.. think again.. please check around.
Prudential will just force an increase in premium and upgrade and slam you with an increase premium whether you like it or not.

Every four years they are doing it..
They are just thinking that the coverage is not sufficient for you and whack you 8-10% increase in monthly premium.

So choose carefully .. and not become a victim of contractual circumstances
do they really care for you or care for your pockets

This is what Prudential says:-
"We unable to confirm on another round of repricing exercise however, in the wake of medical inflation, we will continue to review the market conditions and the medical insurance premiums regularly to ensure that our policyholders can continue to enjoy their medical protection in the long run."

Well if you pick up their plan you will be screwed..
They determine your medical protection plan and not you..

The question is :-
Am I asking Prudential to pay more than my coverage sum..
If a panadol cost RM1.00 now and RM5.00 in the future
I will be insured till the coverage sum and not a cent more
it is my choice to determine what is right for me

What is very apparent here is they are passing on their admin costs for you to carry

So survey around carefully and do not get suck in a legalised scam here

I just purchased the prulink insurance for 200 a month. Am I eligible? Sorry ask you. Lazy find my agent. Keep asking mevto expand her list

The upgrade to PRUflexi med is completely optional. Some of the older medical plans are with Rm50K annual limit. This is the limit that Prudential will pay to the hospital.

Please understand that no insurance company can control how much the hospital are charging.

However there is a slight increase in terms of the premium for policy holders under the older medical card. The last increase was in 1997. Many other insurer are also forced to increase their medical card, not only Prudential.

Some of my clients increase is RM10 per mth, some RM30/mth with RM20K lifetime limit increase.

Hi Avangelice, no worries.

Please provide more details of your medical plan, is it PMM1~5, PRUhealth or PRUflexi med? Thanks

pru health.

PRUhealth medical card is able to be upgraded to the PRUflexi med medical card with Zero Deductible option via Guaranteed Acceptance or Simple Underwriting.

You may call our customer service 03 - 2116 0228 to inquire about whether you are eligible for the upgrade. Please get ready with your policy no.

That said, personally I would think that a better option would be to add in the PRUannual limit waiver and/or upgrade to age 80 to the PRUhealth plan instead of upgrading to PRUflexi med.

thanks man

would like to know is purhealth is a standalone medical card?

No it is not. The only medical card that is standalone in Prudential is PRUsenior med, available to age group 45-70 next birthday.

PRUhealth, PRUflexi med and PRUmajor med are riders that needs to be attached to a life plan.

hi Roy long time no see

:-) sup?

mmg la not force to upgrade. tapi whatsapp dengan sms hari hari masuk Tanya nak upgrade ke tak

Desperate people do desperate things

Question regarding this medical card plan. I am considering to buy for my kid:

I already have company benefit which covers 27.5k per disability up to maximum of 60k a year. I feel this amount is not sufficient.
Can I use this medical card to top up my company coverage.?

E.g. If I need 100k coverage I have Company 27.5k + Medical Card 72.5k = 100k

Does it work like that or I have to buy 100k coverage?

Yes you may claim 27.5k from your company cover and the balance from your personal medical card.

Hi, i would like to get a protection for my "kaima" as she plan to have one medical card in prudential. please PM ur contact(Prudential only) so that i can contact you back to know more. i give u her detail here.
Name: Madam Ho, Age now: 52, Non smoker, Occupation: Teacher, All healthy, a bit overweight.
** I would like to get an Investment Link coverage for her. Just basic life protection of 10K(without critical illness), and a medical card with annual limit of 50K-80K. Please add in a waiver(critical illness and permanent disability waiver).

or you can quote me ur suggestion.
Thanks.