Seem like your friend just dump in everything what Prudential offering till the premium cost Rm1k/month

But of cause it depends your current age, occupation and smoker?

Everything is good to have it, but are you sure you need everything in the plan? Guess this is the thing you need to study and consider.

I will suggest you put a portion of it to saving/retire plan then everything into insurance.

*Btw I feel his premium was high- but premium is calculated by a system. So what you put in, what you get. There is no cheating there. Maybe the agent can show him with his laptop how the premium came up to rm1k and what are the costs of benefits. I do this with my clients.

1K per month...

I think it is the affordability issue first for most middle class out there.
1K per month is a big commitment for 34 years.

12k x 34 years = RM408K commitment just for insurance.

I think the first issue, it is a need to have such coverage with such premium in the first place, before venture into how well the coverage issue.

If I were you, I am OK with PRUlink One + Crisis Shield and PRUacci Guard, but check to see if the Crisis Shield accelerates the PRUlink One sum assured upon claim. If it does, then upon claiming any of the 36Critical illness, the PRUlink sum assured will be reduced by the amount paid under the Crisis Shield i.e., RM500K - RM500K = 0. If Crisis Shield does not accelerate the PRUlink sum assured upon claiming, then it is OK.

Otherwise, you have two options, (1) Buy a Critical Illness plan that does not accelerate the PRUlink sum assured upon claim, this will be more expensive in premium or, (2) Depending on how much you need upon claiming the 36 critical illness, and how much you want to leave behind upon death. If you want to leave behind say, RM200K upon death and claim RM 300K upon diagnosis of any of the 36 Critical Illnesses, then your PRUlink Sum assured can be RM 500K, while the Crisis Shield sum assured be RM 300K, this way premium is cheaper.

If I were you, PRUacci Med and PRUmed are really nice to have. What you need is a good overall medical card covering hospital admissions and surgeries due to both illness and accident up to age 85 or 100. Kiasu people like me bought one upto 100 years old, hahaha. 70 years old (or young) is really too early to terminate a medical plan and at that age you may no longer be eligible to buy another medical plan. So buy it when young.

Enhance PruPayor Basic and premium Waiver the premiums should not be too expensive, I will include them because upon diagnosis of 36 Critical illness or becoming TPD, the premiums for the policy will be paid by the company into your account, and these premiums can be used for purchasing the units for investment purpose after the sum assured for CI or TPD been paid to you.

Hope this helps. At the end of the day with the escalating cost of medical fees, we need to cover ourselves well with a good life and health insurance plan. Happy buying!