Thanks. that was my impression too. 12k is really really low.

Any Prudential Agent can help me to check on my wife's policy??

As such I was told by my wife that the policy includes medical card but I don't see her holding any.

Is there any medical card that offers unlimited coverage (excluding terminal illnesses)?

only the servicing agent are allowed to check / have your wife policy details
you can call up the servicing agent or go to the nearest branch to comfirm on your policy that have bought

what do you mean by unlimited? covers all over the world?

pays whatever sum???

Ask servicing agent to check like colaboy said OR a better and more reliable way is to call customer service and ask them to explain to you.

Best Pru agent that i know roystevenung

You mean claim limit?
Unlimited lifetime limit = YES
Unlimited annual limit = Never heard of yet, anyone can update?

Just checking;

For Prudential life insurance, is cyst covered ?
And if yes, is Fibroid covered too?

Anything that is foreign in the body after the policy has started over the 120 days is covered.

If it was before the policy started, then it is considered pre existing. Not covered.

The insurer may contest to the claim if the claim is ambiguos if it was within the contestibility period.

yeap, roystevenung replied me in PM. Thanks

Looking into buying a new plan soon for the baby coming September
Any good plans for such case?
I'm more to siding education type of insurance where it provides - savings + basic insurance coverage so I don't need to scratch head when he enter college

Okay. Let me explain my current medical card package. I bought it under ING 5-6 years ago.

The annual coverage is RM60k. According to my agent, my lifetime limit which I can claim is RM60*3 --> which is RM180k. Even ING bought over by AIA, the coverage still the same.

I think the lifetime limit is kinda low as it only multiply by 3 from the annual limit.

Is there any other brand which provides Unlimited lifetime limit? I only heard AXA Affin provide that. Why AIA don't have this benefit?

do keep in mind.

insurance... do not do early termination or you lose a hell a lot. so you need to choose something that matches the timeline of college. i've seen some "savings" plan usually don't let you add medical insurance... simply because it's weird... policy ends in 20 years, medical can still go on.

AND... having a "savings" plan usually is expensive... and you pay more per year. investment return is not guaranteed. then again, so is every other thing is this world. just because you have a savings plan, doesn't mean you don't to scratch your head later

but anyway, there are plenty of options out there, just be careful and choose wisely

< adele123 reply
For me, unless I really need the force saving from the education type insurance, I'll definitely use other financial tools as education fund

If you're risk adverse and only can accept insurance, den by all means get education insurance that mature before you need to pay for your child education, 17yo-18yo. Early termination is very bad on the return.

As far as i know, insurance policy features will remain the same as when you bought them even if the company replace them with new product with different features. So that probably explain why your old coverage is still the same.

Last i heard was AIA and AXA. Again med card that come with unlimited lifetime limit, surely are lacking in other features aspect or higher insurance charges or etc. So if you really need the unlimited lifetime limit for peace of mind, just subscribe for another med card

Yeap, roy also replied me again in pm regarding this

As much as I concerned, I know investment linked insurance aren't really pretty.

But often I 'fall trap' into listening agents from various company talk about this savings, that savings and in the end i did not bother to take or buy at all because there's no convincing facts at all...

Then i believe insurance is just simply insurance right?

<--I'll get the talks of education investment to other thread

I believe your agent would like to focus your protection in medical instead of Life protection, you can always amend your protection through your same agent in the same policy instead of cancel and re-purchase from same or different company.

If the purpose of purchase is not in-line with your purpose now, you may exercise the 15 days free look period.

It's always recommended to directly call Prudential at
Call Centre : 03 - 2116 0228
Operating Hours : Mondays to Fridays, 8.30am - 5.15pm (excluding Public Holidays)
https://www2.prudential.com.my/corp/prudent...ader/ContactUs/


Dear morning 06 and activexxx,

There is none in the market that are providing such coverage of unlimited annual and lifetime limit. However, Great Eastern do have a medical card which the premium can be RM175/month for a 20years old, non smoker, male, occupation class 1 covering annual limit of RM990,000 and unlimited lifetime limit.

We should actually look into annual limit instead of lifetime limit as we are purchasing insurance to hedge for unexpected large risk.

Insurance is one of the financial planning as well as purchasing property, purchasing unit trust etc. All of the financial tool are having different purpose and limitation be it the risk, liquidity and penalty for early withdrawal.

Insurance is always for protection. However you can't compare endowment with ILP and saving plan as all of them having very different financial risk and liquidity.

Don't fall into the trap to maximize your protection in ILP and you might need to top up in the future shall the fund depleted.

How much estimated monthly premium for a 30 y.o, non-smoker, male, work in office, good health covering annual limit of RM100,000 and unlimited lifetime limit?

Ok thanks for clarifying on the annual limit.

I agree that annual limit is important and Insurance is indeed to hedge our risk, and not to be considered when the objective is to look for return/savings. Like you said there are unit trust, property and many other options


My 2c on your situation since you already have an existing med card, you can consider getting a term medical card with unlimited lifetime coverage as a top up. If you have plan to put your cash to good use den you can consider this option. Of course if like everyone else you wanted the perks of ILP, den look around for the ILP that suit your budget and needs

To me, insurance should just be insurance. But nowadays, agents just recommend investment-linked. they stop recommending the traditional insurance without investment element, despite the insurance companies do make them available on the shelf. This is not the fault of the agents as well because the insurance companies are gearing towards selling more investment-linked products.

If you are not lazy, you can get the brochures from a few companies and do comparison yourself. For Medical Card, premium and insurance charges are readily in the brochure, for all age bands.

Just look at a few criteria, like annual limit, lifetime limit, Room & Board.

But frankly... yes, when i thought about no lifetime limit, it is rather attractive but seriously, by the time someone claims 2-3 times annual limit, i think that person would probably be not in a good shape.

i'm not sure if it's possible for your existing health insurance, try to find out if you can ask for change of plan with AIA that offers better limits and r&b at a more value for money premium as well. cause really what you have now is rather low limits.

This post has been edited by adele123: Jul 25 2014, 02:16 PM

I can't provide you such low annual limit with unlimited lifetime limit.

With your age and occupation, it's RM175/month for a medical card with RM990,000 annual limit, unlimited lifetime limit with no-coinsurance, attaching with waiver of premium for both 36 Critical Illness and TPD.

This simply means that shall TPD or 36 Critical Illness unexpectedly happens and Great Eastern will pay the premium of RM175/month on behalf of you.

The importance of high annual limit is to hedge for large unexpected health risk and also to make sure that our medical card can sustain to pay for the bill even after 30 years without the need of upgrading it. Please take note that we can only upgrade the medical card provided that we remain healthy.

Any manulife agent here?

i'm looking for quotation

I have recently heard from radio that one can now purchase insurance directly without going thru agent and can therefore save the hefty agent fees.

No details provided though on how to skip the agent fees. Anyone mind to elaborate?