If your agent is still servicing you and you are happy with his service, it's always recommended to upgrade from your previous policy. Else you can pm me as I'm from Great eastern, I can help you for your policy upgrade without charges in your previous policy.

Apart from your annual limit, it's recommended for you to upgrade your medical card due to the your IL Health Protector have Cancer and Kidney Dialysis limitation of RM15,000 yearly. This is definitely the weak point in previous medical card as nowadays Kidney Dialysis could easily reach RM30,000 yearly nowadays, not to mention 20 years down the road. The new GE medical card has no additional limitation on Kidney Dialysis and Cancer Chemotherapy.

It's recommended you to upgrade from the same company to preserve your waiting period. You have been owning your card for several years, when unfortunate happens, you wouldn't want the company to investigate the cause of your illness wouldn't you? By upgrading from the same company, your future claim will be smooth as you have been holding the card for a long period. Else, there might be a possibility of claim decline if you make claim from other company's new medical card within first few years.

I suppose Prudential is unable to upgrade medical from existing policy but have to bought a new one if you would like to upgrade to a superior packag? I have once called over to Prudential Careline and this is the answer I got. This is because one of my client in Prudential has been told by the agent to buy a new policy in order to upgrade the medical card. Hope to get the clarification from you.

You may consider the new medical card name Smart Premier Health for a minimum of RM250-300/month. Below is some points of you should take into account.
1. No Co-Insurance.
2. Non claim discount up to 25% discount.
3. Automatic 10% increase in Room & Board in every 3 years.
4. 10% increase in annual limit of medical card - similar to no claim discount.
5. Lifetime medical limit with 20 times of the annual limit.
6. Critical Surgery Recovery Benefit of a lump sum payment of RM20,000.
7. Post-Hospitalisation Treatment as long as within 180 days after hospital discharge. Outpatient Physiotherapy Treatment post hospitalization can be extended to 360 days. Longest post treatment in Malaysia, longer post treatment period means you are better covered.
8. In hospital physician visits of twice per day.
9. Can stay in hospital up to 180 days per policy year.
10. Can stay in Intensive Care Unit (ICU) for 180 days per policy year.
11. Pre hospitalization coverage of 60 days.
12. Covered Government Tax
13. Covered Medical Report Fees
14. No additional capping apart from annual limit for Cancer Chemo and Kidney Dialysis.
The medical card room&board is RM180 with potential increase to RM360.
The annual limit is RM100,000 with potential of increase to RM200,000, the annual limit is RM2,000,000


If you do not wish your personal information to be expose, you may pm me your gender, age, smoking status.

He is healthy and no prior claims. He called to Prudential Careline and the operator told him, he is not able to upgrade medical card to better plan but able to upgrade to same room&board. I'm puzzle for this issue as well because i'm not sure how Prudential actually works.

He isn't sure whether he is being offered by Prudential for upgrade(as he is not getting any letter/call from Prudential to upgrade). But he is currently offering Prudential to upgrade his policy by calling to Customer Service but is told to get a new policy.

Is there really exist such issue? If yes, then how do the client upgrade it without buying a new policy?

Oic, then I think he has to purchase a new plan from Prudential as this is told by the agent and the Customer Service operator.