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 Attention Prudential Medical Card Holders, Medical Card Upgrading

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TSroystevenung
post Jan 23 2013, 04:02 PM, updated 12y ago

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Please be informed that Prudential has launch the medical card upgrading from PRUmajor med medical card (with coinsurance) to PRUflexi med (no coinsurance).

As you may know, medical at the private hospital can be rather costly and if not upgraded may not be sufficient in the event of a major claim.

Kindly get in touch with your agent to know if you are being selected for the upgrading. Older cards with superior terms (for eg, take home drugs, consultation charges & long term medication) will be retained if you are selected.

If you have any questions please ask. Thanks.
moochan
post Jan 23 2013, 04:25 PM

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upgrade?? more RM to be paid monthly??
TSroystevenung
post Jan 23 2013, 06:11 PM

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QUOTE(moochan @ Jan 23 2013, 04:25 PM)
upgrade?? more RM to be paid monthly??
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The decision on whether to upgrade or not depends on you. The agent cannot force you to upgrade.
moochan
post Jan 23 2013, 06:35 PM

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QUOTE(roystevenung @ Jan 23 2013, 06:11 PM)
The decision on whether to upgrade or not depends on you. The agent cannot force you to upgrade.
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yea.. yeaa..kenot force..
but every year oso got introduce new plan this and thatand keep using "if not upgraded may not be sufficient in the event of a major claim" words

how ken
TSroystevenung
post Jan 23 2013, 06:54 PM

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QUOTE(moochan @ Jan 23 2013, 06:35 PM)
yea.. yeaa..kenot force..
but every year oso got introduce new plan this and thatand keep using "if not upgraded may not be sufficient in the event of a major claim" words

how ken
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If you only did the upgrade last year then perhaps you may not need to upgrade. This is for older medical cards with low lifetime limit. At least the agent came back to do review with you rather than disappearing act whistling.gif:

Also, this is for upgrading to PRUflexi med, medical card without any co-insurance.

Some like PRUhealth because in a long run the medical for PRUhealth is able to be maintained longer because of the co-insurance being paid by client actually reduces the insurance charges.

If you're okay with PRUhealth and have no qualms paying the 10%, then by all means stay with PRUhealth.

This post has been edited by roystevenung: Jan 23 2013, 06:57 PM
homicidal85
post Jan 24 2013, 05:33 PM

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what happens if i stick to my current plan? is my coverage downgraded or what?
gucci lee
post Jan 25 2013, 04:10 AM

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Agt not active- how?
silkysilk
post Jan 25 2013, 07:07 AM

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seriously no coinsurance? can be standalone?
TSroystevenung
post Jan 26 2013, 03:18 PM

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QUOTE(silkysilk @ Jan 25 2013, 07:07 AM)
seriously no coinsurance? can be standalone?
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Yes PRUflexi med can either choose Rm300 deductible, meaning you pay either Rm300 and Prudential pays the rest up to your annual / lifetime limit

OR

ZERO deductible where Prudential picks up all the bills subjected to your annual /lifetime limit.

PRUflexi med also comes with up to 20 times of lifetime limit. For eg. If your annual limit is RM200k, then the lifetime limit is RM 4m. Lets not forget the medical card needs to take care of us till age 70/80.

notworthy.gif

This post has been edited by roystevenung: Jan 26 2013, 03:25 PM
TSroystevenung
post Jan 26 2013, 03:24 PM

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QUOTE(gucci lee @ Jan 25 2013, 04:10 AM)
Agt not active- how?
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Can opt to transfer the policy (no commission for new agent) so that the new agent can view the details from the system and help you during claims.

If you are okay, just Pm to me the policy no, name and IC no. I will inquire whether you are selected for the upgrading process.

By the way I am from Penang
TSroystevenung
post Jan 26 2013, 03:41 PM

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QUOTE(homicidal85 @ Jan 24 2013, 05:33 PM)
what happens if i stick to my current plan? is my coverage downgraded or what?
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No your coverage is not downgraded even if you choose to stick to the existing plan.

But there is no harm to call up the agent and to know more on the upgrading process.

For PRUmajor med

In short for older PRUmajor med (PMM) plans that is having Rm50k annual limit and Rm150K lifetime limit should be reviewed. Do note that PMM1 & PMM2 are without co insurance and does cover for take home drugs, long term meds and consultation charges. This is what we term as superior terms.

If you are selected for the upgrade to PRUflexi med, the superior terms will be RETAINED.

For PRUhealth

If you are having PRUhealth plans the minimum annual limit is Rm50k annual limit & Rm 500k lifetime limit.if you are okay with this plan then by all means stick with it. PRUhealth requires you to pay 10% co insurance, min RM300 max Rm1k for inpatient, and min 10%, max Rm2k for outpatient.

For PRUfleximed the minimum annual limit is Rm50k while the lifetime limit is Rm1million. PRUflexi med have options to chooseeither Rm300 deductible or Zero deductible. See below post on how deductible works.

Take note that for PRUhealth & PRUflexi med shares the same exclusions and does not cover take home drugs, long term meds and consultation charges.
fztt
post Jan 27 2013, 08:55 PM

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My friend receive upgrade offer from his agent, he was hospitalized for a critical illness before but agent said can get upgrade approval because this round upgrade prudential didn't ask for declaration... he's wondering whether true or not true...
homicidal85
post Jan 28 2013, 08:49 AM

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QUOTE(roystevenung @ Jan 26 2013, 03:41 PM)
No your coverage is not downgraded even if you choose to stick to the existing plan.

But there is no harm to call up the agent and to know more on the upgrading process.

For PRUmajor med

In short for older PRUmajor med (PMM) plans that is having Rm50k annual limit and Rm150K lifetime limit should be reviewed. Do note that PMM1 & PMM2 are without co insurance and does cover for take home drugs, long term meds and consultation charges. This is what we term as superior terms.

If you are selected for the upgrade to PRUflexi med, the superior terms will be RETAINED.

For PRUhealth

If you are having PRUhealth plans the minimum annual limit is Rm50k annual limit & Rm 500k lifetime limit.if you are okay with this plan then by all means stick with it. PRUhealth requires you to pay 10% co insurance, min RM300 max Rm1k for inpatient, and min 10%, max Rm2k for outpatient.

For PRUfleximed the minimum annual limit is Rm50k while the lifetime limit is Rm1million. PRUflexi med have options to chooseeither Rm300 deductible or Zero deductible. See below post on how deductible works.

Take note that for PRUhealth & PRUflexi med shares the same exclusions and does not cover take home drugs, long term meds and consultation charges.
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i appreciate the info but i have no idea what u just wrote bro... tongue.gif
all i know is, i have pruhealth plan for each member of my family - my wife, my son n me.

you mentioned the minimum annual limit is rm50k - what is this a limit of? amount of claims i can make or what?
what is co-insurance?
"10% co insurance, min RM300 max Rm1k for inpatient, and min 10%, max Rm2k for outpatient." does this mean that pru will not cover 100% of my medical bills? if i go for in-patent treatment, i will need to pay RM1000 from my own pocket?
TSroystevenung
post Jan 28 2013, 08:56 AM

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QUOTE(fztt @ Jan 27 2013, 08:55 PM)
My friend receive upgrade offer from his agent, he was hospitalized for a critical illness before but agent said can get upgrade approval because this round upgrade prudential didn't ask for declaration...  he's wondering whether true or not true...
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Sorry, once he is diagnosed with CI, it will definitely impact the guaranteed acceptance. Below spoiler is the declaration that the client needs to read before signing.

If he is in the process of claiming his CI, definitely he will need to provide relevant reports from the Doctor which will show that he waas admitted to the hospital for CI. Also, if he had claim from his medical card, there is a record with Prudential. If he claim from other insurer, it is also recorded.

I am sorry to be the one telling this to your friend but even if he did the upgrade, the agent is the one earning, but when it comes to payment Prudential may still reject the claims at least up to the medical card limit before the upgrade. I am sure your friend would not want to have to pay extra for something that he cannot use, no?

Good luck with your friend recovery...

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This post has been edited by roystevenung: Jan 28 2013, 09:19 PM
TSroystevenung
post Jan 28 2013, 09:09 AM

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QUOTE(homicidal85 @ Jan 28 2013, 08:49 AM)
i appreciate the info but i have no idea what u just wrote bro...  tongue.gif
all i know is, i have pruhealth plan for each member of my family - my wife, my son n me.

you mentioned the minimum annual limit is rm50k - what is this a limit of? amount of claims i can make or what?
what is co-insurance?
"10% co insurance, min RM300 max Rm1k for inpatient, and min 10%, max Rm2k for outpatient." does this mean that pru will not cover 100% of my medical bills? if i go for in-patent treatment, i will need to pay RM1000 from my own pocket?
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The annual limit exist in almost all medical cards. This is the amount and limit that the insured person is able to claim in one policy year.

Touchwood, suppose we are admitted to the hospital for a serious accident and the hospital bill is RM80k while our annual medical limit is RM50k. The variance of RM 30k we will need to pay by ourself even if we have a lifetime limit of RM500k.

Yes for PRUhealth you need to absorb 10% of the bill. For inpatient, if the hospital bill is RM 800, you will need to pay minimum RM300. If the bill is Rm5000, youll need to pay 10%, which is RM500.

If the bill is Rm20k, maximum is RM 1k.

Co insurance is a cost sharing method between the insurer and the insured. Plans that has co insurance has lower insurance charges. Insurance charges will go up by age and there will be a time when the insurance charges overtakes our premium paid. When that happens the variance of insurance charges will be deducted from your cash values accumulated throughout the years.

For example, when we are in our 30s and pays Rm1800 year premium while our insurance charges is at Rm1500 yr. The premium paid is able to cover for the insurance charges. But when we are 60/65, the insurance charges can go as high as RM3k yr. This is when the variance of insurance charges will be deducted from your cash values.

When there is not enough cash values to sustain the policy, you are required to do top ups or risk having the policy ended prematurely before the end of the coverage term.

Do note that with the co insurance your insurance charges is lower. Hence your policy is easier to sustain.

This post has been edited by roystevenung: Jan 28 2013, 09:40 AM
homicidal85
post Jan 28 2013, 10:43 AM

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QUOTE(roystevenung @ Jan 28 2013, 09:09 AM)
The annual limit exist in almost all medical cards. This is the amount and limit that the insured person is able to claim in one policy year.

Touchwood, suppose we are admitted to the hospital for a serious accident and the hospital bill is RM80k while our annual medical limit is RM50k. The variance of RM 30k we will need to pay by ourself even if we have a lifetime limit of RM500k.

Yes for PRUhealth you need to absorb 10% of the bill. For inpatient, if the hospital bill is RM 800, you will need to pay minimum RM300. If the bill is Rm5000, youll need to pay 10%, which is RM500.

If the bill is Rm20k, maximum is RM 1k.

Co insurance is a cost sharing method between the insurer and the insured. Plans that has co insurance has lower insurance charges. Insurance charges will go up by age and there will be a time when the insurance charges overtakes our premium paid. When that happens the variance of insurance charges will be deducted from your cash values accumulated throughout the years.

For example, when we are in our 30s and pays Rm1800 year premium while our insurance charges is at Rm1500 yr. The premium paid is able to cover for the insurance charges. But when we are 60/65, the insurance charges can go as high as RM3k yr. This is when the variance of insurance charges will be deducted from your cash values.

When there is not enough cash values to sustain the policy, you are required to do top ups or risk having the policy ended prematurely before the end of the coverage term.

Do note that with the co insurance your insurance charges is lower. Hence your policy is easier to sustain.
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Owh, ok. i understand now. thank you very much for explaining it to me smile.gif

a friend of mine once told me, the more complicated sumthing is, the more likely people are trying to screw you over. i get that feeling with insurance and bank loans. but i dont have much choice. for now, i choose to just pay n close one eye coz i dont have the time to go through all insurance policies one by one.

i will need to have a long hard talk with my insurance agent and go through each detail of my insurance contract the next time i see him.
fztt
post Jan 28 2013, 11:31 AM

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QUOTE(roystevenung @ Jan 28 2013, 08:56 AM)
If he is in the process of claiming his CI, definitely he will need to provide relevant reports from the Doctor which will show that he waas admitted to the hospital for CI. Also, if he had claim from his medical card, there is a record with Prudential. If he claim from other insurer, it is also recorded.
He claimed before under prudential, he still receive the offer & his agent said checked & will be approved hmm.gif

Anyway for him to verify agent claim before signing on dotted line?
TSroystevenung
post Jan 28 2013, 11:51 AM

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QUOTE(fztt @ Jan 28 2013, 11:31 AM)
He claimed before under prudential, he still receive the offer & his agent said checked & will be approved  hmm.gif

Anyway for him to verify agent claim before signing on dotted line?
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Even if he had claimed before it does not mean he wont be offered IF the claims are minor, eg for flu/fever/minor accidental cases

But in your friends case its a Critical Illness, as you mention. Definitely it needs to be made known to the insurer. By the way, mind telling me what CI your friend has? Also any issue with the claims, if I can help?
TSroystevenung
post Jan 28 2013, 11:56 AM

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QUOTE(homicidal85 @ Jan 28 2013, 10:43 AM)
Owh, ok. i understand now. thank you very much for explaining it to me smile.gif

a friend of mine once told me, the more complicated sumthing is, the more likely people are trying to screw you over. i get that feeling with insurance and bank loans. but i dont have much choice. for now, i choose to just pay n close one eye coz i dont have the time to go through all insurance policies one by one.

i will need to have a long hard talk with my insurance agent and go through each detail of my insurance contract the next time i see him.
*
Insurance is a contract and it is our job to explain to the client how it works, what is covered and more importantly what is NOT covered.

If you have more questions do ask. Glad to have help you understand the policy in more detail.
fztt
post Jan 28 2013, 12:12 PM

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QUOTE(roystevenung @ Jan 28 2013, 11:51 AM)
Even if he had claimed before it does not mean he wont be offered IF the claims are minor, eg for flu/fever/minor accidental cases

But in your friends case its a Critical Illness, as you mention. Definitely it needs to be made known to the insurer. By the way, mind telling me what CI your friend has? Also any issue with the claims, if I can help?
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Warded for heart attack 2 yrs ago, claims no problem at all, its just that now he's skeptical a bit with the offer he received, agent is a mutual friend of ours that's how I got to know the offer...

ps: actually I'm the one who got skeptical first when he mentioned it to me & asked him to do some research before committing...

This post has been edited by fztt: Jan 28 2013, 12:13 PM
TSroystevenung
post Jan 28 2013, 12:49 PM

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QUOTE(fztt @ Jan 28 2013, 12:12 PM)
Warded for heart attack 2 yrs ago, claims no problem at all, its just that now he's skeptical a bit with the offer he received, agent is a mutual friend of ours that's how I got to know the offer...

ps: actually I'm the one who got skeptical first when he mentioned it to me & asked him to do some research before committing...
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Thanks for sharing about your friend's condition. Honestly upgrading will be declined and not only that, itll be declined by other insurer as well.
fztt
post Jan 28 2013, 08:45 PM

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QUOTE(roystevenung @ Jan 28 2013, 12:49 PM)
Thanks for sharing about your friend's condition. Honestly upgrading will be declined and not only that, itll be declined by other insurer as well.
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Yup I ran it by my lawyer as well, luckily he has not signed.
TSroystevenung
post Jan 28 2013, 09:17 PM

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QUOTE(fztt @ Jan 28 2013, 08:45 PM)
Yup I ran it by my lawyer as well, luckily he has not signed.
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sweat.gif

Its weird that he is being offered even though 2 years ago he was warded for a heart attack and claim out the Critical Illness.

As far as I know, even if we have raise sugar level, the case may be declined, even upgrading.

On a related note, for those who wanted to upgrade please take note the following:

1. If old policy is without any exclusion
2. If our health is affected (for example if raise blood pressure)

In the above example, it would be best to get another policy to add on to the old policy as any upgrading may be subjected to have the exclusion being added to the old policy.

If you get a new policy, the exclusion will only be on the new policy. Hence anything that is related to the blood pressure issue can still be claimed from the old policy, while anything that is not related to the exclusion can be claimed from the new policy.

HTH

This post has been edited by roystevenung: Jan 28 2013, 09:24 PM
fztt
post Jan 28 2013, 10:08 PM

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QUOTE(roystevenung @ Jan 28 2013, 09:17 PM)
sweat.gif

Its weird that he is being offered even though 2 years ago he was warded for a heart attack and claim out the Critical Illness.
Lawyer is client of mine not difficult to run things by him for quick opinion, he just looked at the first condition and said no go.


Anyway, what would have happened if Prudential actually made a mistake of offering him and he signed already...
TSroystevenung
post Jan 28 2013, 10:27 PM

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QUOTE(fztt @ Jan 28 2013, 10:08 PM)
Lawyer is client of mine not difficult to run things by him for quick opinion, he just looked at the first condition and said no go.
Anyway, what would have happened if Prudential actually made a mistake of offering him and he signed already...
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He pays for something that is not being able to use. He rage & hire a lawyer and tries to sue Prudential. Not sure how the outcome will be but one thing is for sure,...

The agent will surely be on the chopping block.
fztt
post Jan 30 2013, 02:02 PM

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Agent insist this round is a 'guaranteed acceptance' upgrade offer while I told him guaranteed acceptance does not equate guaranteed payout later, he'll have to make up his own mind lo.
TSroystevenung
post Jan 30 2013, 02:15 PM

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QUOTE(fztt @ Jan 30 2013, 02:02 PM)
Agent insist this round is a 'guaranteed acceptance' upgrade offer while I told him guaranteed acceptance does not equate guaranteed payout later, he'll have to make up his own mind lo.
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I am totally facepalm doh.gif
TSroystevenung
post Feb 18 2013, 07:08 PM

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Hurry, get your upgrade today, the upgrading for older medical cards to PRUflexi med campaign officially runs until 31st March 2013. has been extended till end of June.

This post has been edited by roystevenung: Feb 24 2013, 09:07 AM
K.I.T.T
post Feb 19 2013, 06:24 PM

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QUOTE(roystevenung @ Jan 23 2013, 04:02 PM)
Please be informed that Prudential has launch the medical card upgrading from PRUmajor med medical card (with coinsurance) to PRUflexi med (no coinsurance).

As you may know, medical at the private hospital can be rather costly and if not upgraded may not be sufficient in the event of a major claim.

Kindly get in touch with your agent to know if you are being selected for the upgrading. Older cards with superior  terms (for eg, take home drugs, consultation charges & long term medication) will be retained if you are selected.

If you have any questions please ask. Thanks.
*
mmg pandai la.mula mula takde buat la cerita yang menakutkan pelanggan.bila dah beli dah start bayar suruh pulak upgrade.alasan? kos rawatan meningkat.takut tak boleh cover.

ni la namanya bussiness.and yes i am one of PrudentialBSNTakaful Card Holder...i still remember the amoi agent told me this "scary" question.

if u sakit how? who want pay bil? u know how much medical cost if u go hospital and bla bla bla ...so i take it la. but for me u want upgrade or not its up to you...but better have insurance than nothing!
TSroystevenung
post Feb 19 2013, 06:32 PM

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QUOTE(K.I.T.T @ Feb 19 2013, 06:24 PM)
mmg pandai la.mula mula takde buat la cerita yang menakutkan pelanggan.bila dah beli dah start bayar suruh pulak upgrade.alasan? kos rawatan meningkat.takut tak boleh cover.

ni la namanya bussiness.and yes i am one of PrudentialBSNTakaful Card Holder...i still remember the amoi agent told me this "scary" question.

if u sakit how? who want pay bil? u know how much medical cost if u go hospital and bla bla bla ...so i take it la. but for me u want upgrade or not its up to you...but better have insurance than nothing!
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Boss, for Prudential BSN - sorry no upgrade campaign yet.

On the cost of medical, No need to listen to the amoi lar... go to the ICU ward yourself and talk to people.

Yes, whether to upgrade or not is in your hands.
fztt
post Apr 9 2013, 09:28 AM

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Latest upgrade form took away the declaration below... what are your comments?

» Click to show Spoiler - click again to hide... «

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[/quote]
silent_stalker
post Apr 9 2013, 10:08 AM

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Got screwed by insurance once, my wife got warded when she was pregnant. Her company insurance covered the bill. But when want to claim the allowence when get warded from bsn prudential they say not eligible coz in the med report state she was pregnant. But the dr says her illness has nothing to do with her pregnancy. Her company insurance does not cover pregnancy, but they still can pay the bill. Does bsn prudential trying to say they dont cover the medical the whole time the patient is pregnant?
TSroystevenung
post Apr 9 2013, 10:08 AM

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[quote=fztt,Apr 9 2013, 09:28 AM]
Latest upgrade form took away the declaration below... what are your comments?

» Click to show Spoiler - click again to hide... «

*

[/quote]
*

[/quote]

» Click to show Spoiler - click again to hide... «
TSroystevenung
post Apr 9 2013, 10:13 AM

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QUOTE(silent_stalker @ Apr 9 2013, 10:08 AM)
Got screwed by insurance once, my wife got warded when she was pregnant. Her company insurance covered the bill. But when want to claim the allowence when get warded from bsn prudential they say not eligible coz in the med report state she was pregnant. But the dr says her illness has nothing to do with her pregnancy. Her company insurance does not cover pregnancy, but they still can pay the bill. Does bsn prudential trying to say they dont cover the medical the whole time the patient is pregnant?
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Which doctor did she consulted when she was admitted? Is it a Gynae or other specialist? If it was a gynae, there is always a room for suspicion.

In this case, ask the agent to talk to the Doctor to issue a letter that the admission is not related to the pregnancy and do an appeal.
fztt
post Apr 9 2013, 10:25 AM

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Don't understand how this

"and as far as I/we know your agent has given no other information, relating to any circumstances which may affect your decision to provide cover. Your agent has fully explained all the terms to me/us and the answers I/we have given are true and accurate."

is similar to this

"If between the submission of this request and the issuance of the endorsement requested, any matter I/ we know to be relevant to the Company’s decision whether to accept the risk pursuant to this request for endorsement and whether to impose the rates and terms to be applied, shall be disclosed to the Company, failing which, I/we agree that the Company may treat this request for endorsement and/or any endorsement to be absolutely void."

The second one end with company can treat it as void, the first one didn't... just curious, Prudential trick to get more unsuspecting prospects to upgrade?

ps: Seems like the latest form, the burden is on the insurance company to proof the insured knew something and deliberately did not disclose... why would a company put the burden of proof on itself?

This post has been edited by fztt: Apr 9 2013, 10:29 AM
silent_stalker
post Apr 9 2013, 10:27 AM

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QUOTE(roystevenung @ Apr 9 2013, 10:13 AM)
Which doctor did she consulted when she was admitted? Is it a Gynae or other specialist? If it was a gynae, there is always a room for suspicion.

In this case, ask the agent to talk to the Doctor to issue a letter that the admission is not related to the pregnancy and do an appeal.
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Not a gynae, i have read the report, only 1 simple line stating she was pregnant. Everything else all regarding the treatment n symptoms. Called bsn prudential they say i will have file a request to relook my case. Did that then they say just like u get a letter stating the illness is not caused by her pregnancy. After that i just fed up and just ignore it, i do not have time to be a runner doing all those stuff.
The point is how come her company insurance has no trouble covering her bill but bsn prudential give so many excuses. She was suspected denggi for crying out loud, i dont need a medical degree to know that illness has nothing to do with pregnancy.
fztt
post Apr 9 2013, 10:38 AM

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Ahhh... was told by agent friend upgrade response was low previous round so prudential revised the form... ran it thru with lawyer friend again, this current form real sneaky, fudging the language to encourage signups...

The sentence...

"I/We have given no other information (except that written in this application)"

indirectly saying client did not disclose, followed by agent also unaware client did not disclose in the next sentence...

... very sneaky... to layman or one with dishonest agent, it sounds like okay not to disclose...


This post has been edited by fztt: Apr 9 2013, 10:46 AM
TSroystevenung
post Apr 9 2013, 10:46 AM

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QUOTE(silent_stalker @ Apr 9 2013, 10:27 AM)
Not a gynae, i have read the report, only 1 simple line stating she was pregnant. Everything else all regarding the treatment n symptoms. Called bsn prudential they say i will have file a request to relook my case. Did that then they say just like u get a letter stating the illness is not caused by her pregnancy. After that i just fed up and just ignore it, i do not have time to be a runner doing all those stuff.
The point is how come her company insurance has no trouble covering her bill but bsn prudential give so many excuses. She was suspected denggi for crying out loud, i dont need a medical degree to know that illness has nothing to do with pregnancy.
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Please get your agent to help you on the letter. It is his/her job after all of being the servicing agent.
silent_stalker
post Apr 9 2013, 10:58 AM

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QUOTE(roystevenung @ Apr 9 2013, 10:46 AM)
Please get your agent to help you on the letter. It is his/her job after all of being the servicing agent.
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Thats another problem, called my agent she said she is no more with bsn prudential. Said she will introduce me with a new agent but later on no news. Now my friend is my new agent but he said nothing can do coz the case long time already.
TSroystevenung
post Apr 9 2013, 11:00 AM

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QUOTE(silent_stalker @ Apr 9 2013, 10:58 AM)
Thats another problem, called my agent she said she is no more with bsn prudential. Said she will introduce me with a new agent but later on no news. Now my friend is my new agent but he said nothing can do coz the case long time already.
*
How long was it?

If you can get the letter, pass it to your agent friend, then ask him to do an appeal for you. Mana tau can get, you belanja me Starbucks sudah icon_rolleyes.gif

This post has been edited by roystevenung: Apr 9 2013, 11:04 AM
TSroystevenung
post Apr 9 2013, 11:06 AM

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QUOTE(fztt @ Apr 9 2013, 10:38 AM)
Ahhh... was told by agent friend upgrade response was low previous round so prudential revised the form... ran it thru with lawyer friend again, this current form real sneaky, fudging the language to encourage signups...

The sentence...

"I/We have given no other information (except that written in this application)"

indirectly saying client did not disclose, followed by agent also unaware client did not disclose in the next sentence...

... very sneaky... to layman or one with dishonest agent, it sounds like okay not to disclose...
*
Its a CI bro, definitely out of the question for the upgrading, even if it is being offered. But if he wants to donate to the agent, then be my guest lar...
silent_stalker
post Apr 9 2013, 11:27 AM

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QUOTE(roystevenung @ Apr 9 2013, 11:00 AM)
How long was it?

If you can get the letter, pass it to your agent friend, then ask him to do an appeal for you. Mana tau can get, you belanja me Starbucks sudah  icon_rolleyes.gif
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3 years ago. Haha, will try consult him.
TSroystevenung
post Apr 9 2013, 11:38 AM

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QUOTE(silent_stalker @ Apr 9 2013, 11:27 AM)
3 years ago. Haha, will try consult him.
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Try lor, but 3 years ago claim not sure lar... 1 year still maybe okay.

Bear in mind doctor may charge you for the "surat", and is not payable by Prudential icon_rolleyes.gif
fztt
post Apr 9 2013, 12:07 PM

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QUOTE(roystevenung @ Apr 9 2013, 11:06 AM)
Its a CI bro, definitely out of the question for the upgrading, even if it is being offered. But if he wants to donate to the agent, then be my guest lar...
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Haha not just agent la bro, insurance company don't have reason to rephrase earlier clause which is very easily understood by layman into one that is almost like encouraging layman to sign on dotted line... unless the intention is to get more sales ...
TSroystevenung
post Apr 9 2013, 12:54 PM

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QUOTE(fztt @ Apr 9 2013, 12:07 PM)
Haha not just agent la bro, insurance company don't have reason to rephrase earlier clause which is very easily understood by layman into one that is almost like encouraging layman to sign on dotted line... unless the intention is to get more sales ...
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Not sure why was it changed. Hence its your agent who has to pandai2 advice the client ... and whether he/she are doing it for the sales or taking care of the client.
yellowdoll
post Sep 2 2013, 12:56 AM

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QUOTE(roystevenung @ Jan 28 2013, 09:17 PM)
sweat.gif

Its weird that he is being offered even though 2 years ago he was warded for a heart attack and claim out the Critical Illness.

As far as I know, even if we have raise sugar level, the case may be declined, even upgrading.

On a related note, for those who wanted to upgrade please take note the following:

1. If old policy is without any exclusion
2. If our health is affected (for example if raise blood pressure)

In the above example, it would be best to get another policy to add on to the old policy as any upgrading may be subjected to have the exclusion being added to the old policy.

If you get a new policy, the exclusion will only be on the new policy. Hence anything that is related to the blood pressure issue can still be claimed from the old policy, while anything that is not related to the exclusion can be claimed from the new policy.

HTH
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Hi Roy,

My husband has an old PMM3. He had a surgery previously hence decided not to top up, but to buy another prudential policy with medical.
Which means he has 2 medical cards.

he has just been informed that in the event if his per claim is above 75k (ie annual limit of PMM3), the excees have to be paid first and reimbursed under second policy. I think this is ridiculous... we go for another insurance - 2 different insurance cards given to a hospital for a single admission doesn't seem to be a problem??
TSroystevenung
post Sep 2 2013, 09:16 AM

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QUOTE(yellowdoll @ Sep 2 2013, 12:56 AM)
Hi Roy,

My husband has an old PMM3.  He had a surgery previously hence decided not to top up, but to buy another prudential policy with medical.
Which means he has 2 medical cards.

he has just been informed that in the event if his per claim is above 75k (ie annual limit of PMM3), the excees have to be paid first and reimbursed under second policy.  I think this is ridiculous...  we go for another insurance - 2 different insurance cards given to a hospital for a single admission doesn't seem to be a problem??
*
Hello,

Yes, that is how double medical card works. Even if you have PRU & from another insurance company you will have to decide which card to use prior to admission and any excess will have to be paid and reimbursed later.

The surgery costs are normally negotiated upfront with the Doctor as indicative of which card to use. May I know what is the annual limit on the second PRU card?

If your second medical card has a higher annual limit, in the event the Guarantee Letter was issued by the first card, you may ask the agent to withdraw/cancel the 1st GL and revert the costs to the 2nd card.

By the way, the upgrade period has been extended till 31st December 2013. You may call your agent to see if it is still upgradeable and whether he is being offered for the upgrade.

This post has been edited by roystevenung: Sep 2 2013, 09:17 AM
MYgal
post Sep 10 2013, 04:43 PM

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Hi, I'm a newbie here.
Just need some help with medical insurance. Been hearing about medical plan / medical card by Prudential.
Is their Prumajor med product still available? What is the difference with PRUflexi med? I even saw PRUhealth on their website.
What's the difference, and are they expensive?
K.I.T.T
post Sep 10 2013, 07:12 PM

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QUOTE(moochan @ Jan 23 2013, 04:25 PM)
upgrade?? more RM to be paid monthly??
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that benefit kenaikan harga minyak. gip other bussiness also.
mellem
post Oct 4 2013, 03:54 PM

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QUOTE(roystevenung @ Sep 2 2013, 09:16 AM)
Hello,

Yes, that is how double medical card works. Even if you have PRU & from another insurance company you will have to decide which card to use prior to admission and any excess will have to be paid and reimbursed later.

The surgery costs are normally negotiated upfront with the Doctor as indicative of which card to use. May I know what is the annual limit on the second PRU card?

If your second medical card has a higher annual limit, in the event the Guarantee Letter was issued by the first card, you may ask the agent to withdraw/cancel the 1st GL and revert the costs to the 2nd card.

By the way, the upgrade period has been extended till 31st December 2013. You may call your agent to see if it is still upgradeable and whether he is being offered for the upgrade.
*
What do you think about an agent who has just only informed me this offer few days ago when this offer has been available since beginning of 2013? Only when need extra money then contact me?

I have the PMM w 50k annual limit and 150k lifetime and she told me I can upgrade my med card w additional RM 55 for 1mil lifetime.

What are the hidden clauses or any T&C pertaining to this offer?
dinor01
post Jun 5 2014, 10:47 AM

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QUOTE(roystevenung @ Jan 23 2013, 04:02 PM)
Please be informed that Prudential has launch the medical card upgrading from PRUmajor med medical card (with coinsurance) to PRUflexi med (no coinsurance).

As you may know, medical at the private hospital can be rather costly and if not upgraded may not be sufficient in the event of a major claim.

Kindly get in touch with your agent to know if you are being selected for the upgrading. Older cards with superior  terms (for eg, take home drugs, consultation charges & long term medication) will be retained if you are selected.

If you have any questions please ask. Thanks.
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if i dont receive any notice for upgrade....then i contact agent to upgrade, will it be more expensive?
TSroystevenung
post Jun 5 2014, 11:52 AM

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QUOTE(dinor01 @ Jun 5 2014, 10:47 AM)
if i dont receive any notice for upgrade....then i contact agent to upgrade, will it be more expensive?
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To be sure, you may contact our customer service 03 - 2116 0228 to inquire about whether you are eligible for the upgrade.

Alternatively you may also contact your servicing agent to inquire of whether you are eligible for the upgrade.

If your agent is no longer in the business, you may PM me details for me to inquire the upgrade on your behalf.

Info that I need:
1. Policy No
2. Full Name
3. IC No
4. Any claims/hospitalization history
5. Current health condition

Do note that the PMM to PRUflexi med upgrade offer is still going on (target tak cukup) laugh.gif
dinor01
post Jun 5 2014, 01:57 PM

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QUOTE(roystevenung @ Jun 5 2014, 11:52 AM)
To be sure, you may contact our customer service 03 - 2116 0228 to inquire about whether you are eligible for the upgrade.

Alternatively you may also contact your servicing agent to inquire of whether you are eligible for the upgrade.

If your agent is no longer in the business, you may PM me details for me to inquire the upgrade on your behalf.

Info that I need:
1. Policy No
2. Full Name
3. IC No
4. Any claims/hospitalization history
5. Current health condition

Do note that the PMM to PRUflexi med upgrade offer is still going on (target tak cukup) laugh.gif
*
just call in to customer service, they said im not selected.
they ssaid onli 1 round selected list, then will not have anymore which eligible for the upgrade promo. it is correct>>?
TSroystevenung
post Jun 5 2014, 02:09 PM

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QUOTE(dinor01 @ Jun 5 2014, 01:57 PM)
just call in to customer service, they said im not selected.
they ssaid onli 1 round selected list, then will not have anymore which eligible for the upgrade promo. it is correct>>?
*
Yes, that's right. There are various reasons why the upgrade is not offered.

1. Claims history
2. Health conditions that has manifest after getting the medical card.

Did you ask why you weren't being offered?

--

Alternatively, if it is due to no 2, the best option is to get another medical card.
The medical condition may be excluded (exclusion) with higher premium on the 2nd Medical Card.

Any claims that is not related to the excluded medical condition can be claimed from the 2nd medical card. Any claims that is related to the medical condition can be claimed from the 1st medical card.

If you were to specifically ask the agent to upgrade it on the existing medical card (by not going through the upgrade promo), the old medical card will be added with the exclusion.
dinor01
post Jun 5 2014, 02:19 PM

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QUOTE(roystevenung @ Jun 5 2014, 02:09 PM)
Yes, that's right. There are various reasons why the upgrade is not offered.

1. Claims history
2. Health conditions that has manifest after getting the medical card.

Did you ask why you weren't being offered?

--

Alternatively, if it is due to no 2, the best option is to get another medical card.
The medical condition may be excluded (exclusion) with higher premium on the 2nd Medical Card.

Any claims that is not related to the excluded medical condition can be claimed from the 2nd medical card. Any claims that is related to the medical condition can be claimed from the 1st medical card.

If you were to specifically ask the agent to upgrade it on the existing medical card (by not going through the upgrade promo), the old medical card will be added with the exclusion.
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hi, i do not have both reason u mentioned .. so wondering why not offered the promo.. hmm.gif
TSroystevenung
post Jun 5 2014, 02:22 PM

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QUOTE(dinor01 @ Jun 5 2014, 02:19 PM)
hi, i do not have both reason u mentioned .. so wondering why not offered the promo.. hmm.gif
*
Do you know what kind of medical card you are holding? Is it PMM series (PMM1~PMM5), PRUhealth or PRUflexi med?

If the medical card is < 3 years old, the offer to upgrade is also decline since the medical card is still new.
dinor01
post Jun 5 2014, 02:27 PM

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QUOTE(roystevenung @ Jun 5 2014, 02:22 PM)
Do you know what kind of medical card you are holding? Is it PMM series (PMM1~PMM5), PRUhealth or PRUflexi med?

If the medical card is < 3 years old, the offer to upgrade is also decline since the medical card is still new.
*
PMM5, so shld i wait for it? and they said just help me to upgrade the lifetime limit to 650k from 625k,,on may 2014

This post has been edited by dinor01: Jun 5 2014, 02:27 PM
TSroystevenung
post Jun 5 2014, 02:40 PM

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QUOTE(dinor01 @ Jun 5 2014, 02:27 PM)
PMM5, so shld i wait for it? and they said just help me to upgrade the lifetime limit to 650k from 625k,,on may 2014
*
I see, that explains it.

The PMM5 is attached to the PRUvantage whole life plan. The current upgrade offer is only for plans that are on the PRUlink (ILP).

Frankly, the PRUvantage policies upgrade is long overdue .. sad.gif

I do over heard that there is plans to do some sort of upgrade offer for our PRUvantage clients. However, that is to be confirmed later. Stay tune ya...
dinor01
post Jun 5 2014, 02:49 PM

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QUOTE(roystevenung @ Jun 5 2014, 02:40 PM)
I see, that explains it.

The PMM5 is attached to the PRUvantage whole life plan. The current upgrade offer is only for plans that are on the PRUlink (ILP).

Frankly, the PRUvantage policies upgrade is long overdue .. sad.gif

I do over heard that there is plans to do some sort of upgrade offer for our PRUvantage clients. However, that is to be confirmed later. Stay tune ya...
*
the PMM5 is an old version?? Prulink newest? or its different plan?
PRUvantage policies upgrade is long overdue .they never offer for tis yet?
rclxub.gif
TSroystevenung
post Jun 5 2014, 03:18 PM

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QUOTE(dinor01 @ Jun 5 2014, 02:49 PM)
the PMM5 is an old version?? Prulink newest? or its different plan?
PRUvantage policies upgrade is long overdue .they never offer for tis yet?
rclxub.gif
*
Yes, the PMM5 is the older version as compared to the new medical plan call PRUflexi med (PFM). PMM5 is based on co-insurance (10%, min RM300~RM1K for inpatient. 10%, no max co-insurance for outpatient);

whilst PFM (either RM300 deductible or Zero Deductible). Zero Deductible means there is no co-insurance.

Of course when it comes to the insurance charges, the PFM is having a higher insurance charges as compared to PMM5.

Yup, the plans on the PRUvantage are based on whole life policy which is not easily upgraded/downgraded as compared to the plans that are attached to the Investment Linked Policies (ILP).

This is also the reason why we never had upgrade options for PRUvantage customers sad.gif
dinor01
post Jun 5 2014, 03:40 PM

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QUOTE(roystevenung @ Jun 5 2014, 03:18 PM)
Yes, the PMM5 is the older version as compared to the new medical plan call PRUflexi med (PFM). PMM5 is based on co-insurance (10%, min RM300~RM1K for inpatient. 10%, no max co-insurance for outpatient);

whilst PFM (either RM300 deductible or Zero Deductible). Zero Deductible means there is no co-insurance.

Of course when it comes to the insurance charges, the PFM is having a higher insurance charges as compared to PMM5.

Yup, the plans on the PRUvantage are based on whole life policy which is not easily upgraded/downgraded as compared to the plans that are attached to the Investment Linked Policies (ILP).

This is also the reason why we never had upgrade options for PRUvantage customers sad.gif
*
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.
TSroystevenung
post Jun 5 2014, 03:49 PM

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QUOTE(dinor01 @ Jun 5 2014, 03:40 PM)
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 wink.gif

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 notworthy.gif

Well unless you are getting the quote for someone else? thumbup.gif
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
dinor01
post Jun 5 2014, 03:52 PM

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QUOTE(roystevenung @ Jun 5 2014, 03:49 PM)
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  wink.gif

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  notworthy.gif

Well unless you are getting the quote for someone else? thumbup.gif
If you are getting it for someone else, please also provide me with your email address. I will email the full quote for you.
*
not mine, im getting it for other.
kamber01
post Jun 6 2014, 05:53 PM

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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
kamber01
post Jun 6 2014, 06:01 PM

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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
Avangelice
post Jun 6 2014, 06:19 PM

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QUOTE(roystevenung @ Jan 23 2013, 04:02 PM)
Please be informed that Prudential has launch the medical card upgrading from PRUmajor med medical card (with coinsurance) to PRUflexi med (no coinsurance).

As you may know, medical at the private hospital can be rather costly and if not upgraded may not be sufficient in the event of a major claim.

Kindly get in touch with your agent to know if you are being selected for the upgrading. Older cards with superior  terms (for eg, take home drugs, consultation charges & long term medication) will be retained if you are selected.

If you have any questions please ask. Thanks.
*
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
TSroystevenung
post Jun 6 2014, 06:32 PM

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QUOTE(kamber01 @ Jun 6 2014, 05:53 PM)
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
*
QUOTE(kamber01 @ Jun 6 2014, 06:01 PM)
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
*
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.
TSroystevenung
post Jun 6 2014, 06:34 PM

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QUOTE(Avangelice @ Jun 6 2014, 06:19 PM)
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
*
Hi Avangelice, no worries.

Please provide more details of your medical plan, is it PMM1~5, PRUhealth or PRUflexi med? Thanks
Avangelice
post Jun 6 2014, 10:07 PM

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QUOTE(roystevenung @ Jun 6 2014, 06:34 PM)
Hi Avangelice, no worries.

Please provide more details of your medical plan, is it PMM1~5, PRUhealth or PRUflexi med? Thanks
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pru health.
TSroystevenung
post Jun 6 2014, 11:46 PM

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QUOTE(Avangelice @ Jun 6 2014, 10:07 PM)
pru health.
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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.
Avangelice
post Jun 7 2014, 12:36 AM

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QUOTE(roystevenung @ Jun 6 2014, 11:46 PM)
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
shinningteen
post Aug 12 2014, 12:00 PM

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would like to know is purhealth is a standalone medical card?
TSroystevenung
post Aug 12 2014, 12:17 PM

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QUOTE(shinningteen @ Aug 12 2014, 12:00 PM)
would like to know is purhealth is a standalone medical card?
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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.
N33d
post Aug 15 2014, 10:21 AM

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hi Roy long time no see
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TSroystevenung
post Aug 15 2014, 12:42 PM

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QUOTE(N33d @ Aug 15 2014, 10:21 AM)
hi Roy long time no see
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:-) sup?
K.I.T.T
post Aug 16 2014, 01:35 AM

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QUOTE(roystevenung @ Jan 23 2013, 06:11 PM)
The decision on whether to upgrade or not depends on you. The agent cannot force you to upgrade.
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mmg la not force to upgrade. tapi whatsapp dengan sms hari hari masuk Tanya nak upgrade ke tak
TSroystevenung
post Aug 16 2014, 10:08 AM

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QUOTE(K.I.T.T @ Aug 16 2014, 01:35 AM)
mmg la not force to upgrade. tapi whatsapp dengan sms hari hari masuk Tanya nak upgrade ke tak
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Desperate people do desperate things laugh.gif whistling.gif
crazynuts
post Sep 18 2014, 05:23 PM

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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?
TSroystevenung
post Sep 18 2014, 07:26 PM

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QUOTE(crazynuts @ Sep 18 2014, 05:23 PM)
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?
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Yes you may claim 27.5k from your company cover and the balance from your personal medical card.
happyelvan
post Oct 4 2014, 11:34 AM

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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.
TSroystevenung
post Oct 4 2014, 11:41 AM

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QUOTE(happyelvan @ Oct 4 2014, 11:34 AM)
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.
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I had just PMed you :-)
SUSthepark
post Oct 4 2014, 07:24 PM

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Insurance, only get the necessary coverage only. Pity my fren, got conned to get this and that. Keep on paying, but when sakit, so many things qot questioned.

So my advice, those who are unable to afford it, go to gov hospital, insurance in malaysia is not a necessity yet as the gov still subsidize so many healthcare option for you.
baymax7
post Nov 30 2014, 06:24 PM

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QUOTE(roystevenung @ Jan 26 2013, 03:41 PM)

In short for older PRUmajor med (PMM) plans that is having Rm50k annual limit and Rm150K lifetime limit should be reviewed. Do note that PMM1 & PMM2 are without co insurance and does cover for take home drugs, long term meds and consultation charges. This is what we term as superior terms.

Take note that for PRUhealth & PRUflexi med shares the same exclusions and does not cover take home drugs, long term meds and consultation charges.
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Hi Roy,

I find your explanation and honest comment on Prudential insurance plan very informative and useful to everyday ppl like us.
Thanks for taking the time to explain to us. thumbup.gif

I have some questions myself and hope u can help to clarify them.

1. Can u pls explain in detail what is "take home drugs, long term meds and consultation charges"?

In PRUhealth and PRUflexi Med brochure, I can see:
Outpatients Treatment Benefits
Cancer treatment
Kidney dialysis

2. Are those not take home drugs or long term meds in the new plans?

Thanks. smile.gif
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