is the no co-insurance apply to outpatient treatment too?

if we already have big coverage for life, should we consider to have PA as well? Just for my understanding, in case we have tpd or die due to  accident, the life+CI will cover also right?

if the CI cover death, will it cover death due to accident? Will it cover TPD due to accident?

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Added on February 22, 2012, 10:50 am
if the CI cover death, will it cover death due to accident? Will it cover TPD due to accident?

wondering how much for say rm500k life coverage, R&B rm300 medical package for a 35 years old male non smoker?
PRU is freaking expensive.

which company?
sounds okay to me wor.
better than one who just quoted me recently. easily 20% more than that with less coverage.
thanks.

wonder why some people complain PRU being expensive when the premium is pretty decent in most cases. my clients always complain to me the other way round. weird..... 

No... not my frustration....

always, I bought insurance and I see insurance as government... they hardly there when we need them, but are always there when they need us(to purchase)

Is PRULife Ready good? Anyone bought this before? The premium matures at age 100. Its too long, isnt it?

Just curious. Below is what I have..

*Prulink assurance account RM50,000
*crisis cover benefits RM50,000
*medical card cover RM75k p.a, RM750k lifetime limit
*hospital income RM200/day

.. but I think the annual premium is expensive - ~RM3400 (non-smoker, below 40 yrs old, no past history of medical issue).

Any comments?

Greetings,

any agents here? please contact me. im looking for a protection plan. thanks

roy, got a question

i got a friend when he buy insurans declared non-smoker

then later he start smoking, heavy some more

if later he claim for sickness related to smoking...how?

and how about claim for things unrelated to smoking...e.g. death by accident, natural causes, etc?

thanks in advance

In my opinion, P.A is very cheap thus it should be wise to buy as usually young people only die/tpd due to accident. (touch wood)

If you have extra money.. with just as low as RM110 per year (RM 9.16 per month)... why not?

Great Eastern is offering RM110 per year with RM100k sum assured, sum assured is 10% yearly provided no claim for a maximum of 100%.

One of the cheapest if you are looking for a basic P.A Insurance.

Hi All,

My sister has been approached by an Prudential Insurance Advisor and she has taken up a plan for the entire family - Investment Linked - Medical

I am rather concern the plan for my niece/nephews which is at RM 110.

As I know a lot of things are pretty little
Basic Sum assured - RM 10,000
Medical Limit - RM50,000/P.A - RM1,000,000 lifetime
36CI
Accident Coverage

No any extra rider seems and I wonder why does 3 kids aged 4, 10, 16 are being insured so little?

I asked for the quotation/proposal to be sent to me to understand but it seems so hard for her to do it.

I just want to enquire what is the best adjustment should be done for kids at these ages base on your experience.

Will there be any hassle to increase the coverage?

What are the riders that in your experience is best to include in for kids at this age?

Thanks

for pruvantage medical card, how long does it take to claim hospital benefit (daily cash allowance)?

THanks for your reply. I have managed to clarify with my agent and the problem lies in the example used which basically compares an old plan with rider against the new plan without rider. Naturally the annual limits are very much lower for the latter hence the payables once this annual limit has been reached.

Quick question... is a lifetime limit of 140k outpatient dialysis treatment & 217.5k cancer treatment sufficient based on your experience?

EDIT : Alternatively, would a limit of 50k per year Cancer, 25k per year (lifetime limit 300k) be more advantageous?

hi there, I'm surveying for a medical card plan. Heard about Prudentials and Allianz but    ...

anyway, I'm thinking of something with R&B of RM200~300. Age 30 male, non-smoker/drinker, engineer. Any suggestions and what kind of annual premium am I looking at?

also for those prudential agents, anyone knows the difference about the PRUHealth offered by banks such as UOB? are they usually more expensive?

and the last questions is regarding the "deposit" hospital requires when admitted, do they only accept cash? no credit card or ...? thanks in advance for the help

halo

i now just salary rm 1500, now i wan do pl but reject few time
i now no hv EPF. and i work already 1.3 year , how i wan do if i wan loan
rm5k???

thank you

i am planning to buy medical and personal accident for my newborn; at what age (how many months) do insurance company start to accept application? - as i understand newborn comes with high risk - due to mortality risk....

anyone, please advice.....

If non-ILP are able to provide a cheaper coverage, why will a person buy ILP since insurance is meant for protection (better so at a cheaper price). It is more often the other way round, ILP products are able to provide cheap coverage at the initial stage of your life and rises exponentially as you age. The assumption is that the premium surplus accumulated in your initial years will be sufficient to meet all your insurance charges when it's expensive in your later years. So, an ILP with lots of riders at a very low premium might not be a very good deal after all when you found out that you will require to top up when there is insufficient units in your policy to cover the charges later.