RM5500 p.a

*life (death & TPD) RM500K
*medical card cover RM100K p.a RM2MIL lifetime limit
*waiver
*hospital income RM300/day.

Its expensive because of the benefit you have in the medical plan.

if i quoted at age 40 base on your information . . . the premium is at RM3,000 
RM400 different from the agent quoted for you ^^ but i believe the cash value will be higher instead  . . .

Medical card is for standby and in most cases we do not even need to use it until there is an emergency. Take a look at our PRUhealth (with 10% co-insurance) & PRUflexi med (without co-insurance).

The No Claim Bonus (NCB) is credited in the form of additional units into the Investment Unit Account (IUA) and it is a 100% allocation. The NCB is reflected in the Investment Link annual statement.

The amount of NCB is according with the room & board selected

1. PRUhealth 100 = RM 100 NCB per annum
2. PRUhealth 150 = RM 150 NCB per annum
3. PRUhealth 200 = RM 300 NCB per annum
4. PRUhealth 300 = RM 400 NCB per annum
5. PRUhealth 400 = RM 500 NCB per annum

The NCB will be credited if there is no claim for a policy year, for example a plan with PRUhealth 200

1st year, NCB = RM 0, No claim
2nd year, NCB = RM 300, Got claim
3rd year, NCB = RM 0, No claim
4th year, NCB = RM 300, No Claim
5th year, NCB = RM 300, Got Claim
6th year, NCB = RM 0, No Claim

It is the latter. If you do PRUsaver or do top-ups into the IUA account, then it is not that obvious.