Thanks dude ^^

Great Eastern Sir

Can someone please help me to understand how come my prudential medical card PMM3 is so expensive as compared to Great Eastern SmartMedic 200 medical card?

At my age of 35, monthly insurance charges allocated for Prudential PMM3 is RM104.xx. And monthly insurance charges for my GE SM200 (with higher annual and lifetime limits) is only RM43.xx.

Although the monthly premium would not increase. But as I aged, the insurance charges for Prudential PMM3 will be sky-high in my golden years.

I'm thinking to keep only one medical card --- either Prudential PMM3 (cover upto 70 years old) or GE SM200 (cover upto 80 years old). Should I cancel my Prudential PMM3 and keeping my GE SM200? I need a valuable opinion from the sifus here.  Thank you in advance

I made a mistake. My actual Prudential medical card is called PMM2 300 instead of PMM3. Attached are the screenshots of the plan.

I don't understand how come on page 1 it mentions 'no coinsurance' but in page 2 under "Benefits Limitations", it talks about 10% of co-insurance.
Is this a co-insurance or non co-insurance medi card?
Any Prudential agents here? Any help would be greatly appreciated. Thank you!

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Thank you all the sifus here for your valuable time and thanks for sharing your knowledge.

Hi Mr. Roy, I'm from Penang. Unfortunately my current agent (KWSP building, Penang) has limited knowledge. May I know if I opted to upgrade my existing PMM2 medi card to PruFlexi Med, does it mean all my current benefits will be cancelled and new T&C of PruFlexi Med will be applied?

Actually she do give me to choose either 50K, 80k or 100k.. do you think for a starter like me should just get a all in on plan.. so i no need to worry so much later on...

btw is ING

Hi all,

For investment link policy, as I know we can reduce the sum insured for Life/TPD and 36CI at anytime upon request (subject to a minimum amount).

Let say I buy an investment link insurance with high sum insured amount for Life/TPD and 36CI. At old age (after 60 years old), if I want to reduce the sum insured in order to reduce the cost of insurance, will the insurability an issue?

Hi All,

For Total and Permanent Disability, it is mean to be Loss of both of: eyes, arms or legs...

Let say for a case that the Policy holder lost 1 leg due to Diabetes, is it mean that his/her life insurance won't pay any cents since it is not defined as TPD?

In 36 critical illness policy offered by insurance company, Diabetes is not covered right?

If I am not mistaken, TPD table is only applied to Personal Accident Insurance (it pay by percentage). For life insurance, TPD is either defined as:

1) Loss of both eyes or arms or legs,
2) Cannot return to work due to permanent disability AND cannot do any 3 of the Daily Activities

If the policy holder lost 1 arm OR 1 leg due to natural causes, not accident, it is not yet achieve the condition of TPD. Thus, insurance company won't pay any cents. Is it correct???
I know that there are some early pay CI rider which pay 10% or 20% of CI sum insured (depend on company) for amputation of any 1 limb due to Diabetes. However, what I concern is that for amputation of 1 leg due to diabetes, is it cover under normal 36 CI???

Okay, I got a situation here and need to get some advice from any Insurance sifu here.

The situation: I'm working in a shipyard and 1 of my crew dead just a few days ago. The cause of death, I dunno it in detail but to make long story short, it is confirmed that he died because of sickness. So, my boss instructed me to claim SOCSO for him but what I got from them is Dependent's Benefit by socso will only be applicable if the cause of death is because of accident.

After I found SOCSO is not claimable, I turned to the P&I insurance (a kind of vessel insurance) which covers seaman as well. But again what I got from them is: "Our insurance on seaman only covers them if they died of accident on working or job related illness. If the cause of death is not from any we spoke earlier, we will not entertain. You can try claim, but it might displease us and this will affect your premium rate for the next coming year."

After that I've consult with 1 of my insurance friend. He said that usually for all those insurance like workmen compensation, personal accident, P&I, SOCSO and bla bla bla...... They only covers death, injuries and disablement result of accident only. If died from sickness, the only insurance that can claim is life insurance (if he got himself insured before).

So I wanna ask is it true about all that? Coz I've refer here and there and the insurance policy does not give me enough info on the death benefits.

Hello bro, what policy you want? the P&I 1? I don't have that coz it's kept by my boss. Yes the worker does have EPF and his job in detail is a captain of the vessel. How risky the job is I dunno la......

The P&I does not have the clause on their policies, they just provide a rulebook and tell us what are the clauses that the insurance cover. I've read through the book and this is what I found:



The policy usually write only the details of the vessel insured. They'll be no clauses on it.

Hi I wanted to cancel off my great eastern policy and serving prudential alone due to too much commitment now. How much do I loss here if I cancel off great eastern that I had paid for 3 yrs? Thanks and appreciate your advice

I called Prudential Customer Careline and Claims Dept to enquire about medical card upgrade programmes from PMM 3 to the newly launched PruFlexi Med. Unfortunately, I'm not eligible for the upgrade due to I had made a claim in year 2010. Although the amount is only Rm346 (excess claim from company's group insurance).

No luck

male 26yo non-smoking..looking for medical card budget rm150..which company u guys recommend? must be able to renew and not hard to claim if accident really happen. currently only have life insurance bought by parent

wanted to get 1 by this month!!!

So kind of you Mr. Roy. I feel pai seah asking other agent for help bcoz they did not earn any commissions from my policy . My current agent has limited knowledge. His education background is not good. So I don't want to bother him. Usually I will call customer service or walk-in to the counter. So far so good.

Allow me to share my experience here about these 3 insurance companies - -  Prudential, Great Eastern, HLA.

My GE agent sudah lari. Policy auto switch to upline. But the new agent nowhere can be found. Had sent a complaint letter to GE head office and requesting for changing a new agent. Until now almost a month but no news yet despite numerous follow up with email and phone call. I feel regretted buying insurance from this company. I should have listened to my friends that this company is not so good. The reason I sign up GE policy is because back in year 2010. This is the only company in Malaysia offering smart early payout for critical illness. Now thinking to cancel this policy and switch to other insurers but feel sayang coz already served for a few years. Each year the premium is Rm4200. Last 2 days walk-in to customer service counter to enquire about premium reduction if cancel SM200. They cannot offer me an answer coz they don't have the software (how come HLA can do it but GE can't?). Instead, asking me to contact my servicing agent but she is MIA. I don't have an agent to contact for almost 6 months... really pek chek. However, there is some good things about this company. I personally like the e-connect where customer is able to check the detail of the policy via Internet login.

HLA - no issue with the claims. But lousy computer system. During the system migration, there was a system glitch and causing my credit card auto debit cannot get thru. Have to use manual work. After few months of complaint, they finally cancel my old policy and reissue me a new policy number. When I told them I have doubt on the cash value. They ask me to provide the yearly statements for checking as they can't trace from their end. Wah lau.....how many of you would keep the yearly account statements? This aren't the one for income tax submission.

Prudential - my first policy since 1997. Processing for claims and unit trust redemption are very fast. No issue at all. Great customer service. But the insurance charges rate is little higher as compared to competitors. How I wish I cud monitor my policy online like GE.

could not afford to pay, i have house to pay,bills and so on. 300 for Ge and 200 for Prudential. The agent are quite busy and sometimes 2,3 months din collect premium but come at one time lump sum, also the receipt are sometimes there sometimes not there. asked for auto debit till now no news. that why it is hassle for me, better use prudential coz my fren taking care of it.

that is what i am worry of, i rather stay with prudential now as i believe in my fren handling prudential. so you think i cancel now is the right time or should i hold on first? 

i wonder if the case like this and pass to new agent , new agent still earn comm ? or not so they demotivated to deal with you ? 

efficient in claims? boss i think if cancel off GE after paid two years, am i dumb?