hi roy/sifus,

i've been with my prudential agent (who is an old college mate) since 2005.

I'm on:

Death/TPD: 100K
36 Illnesses: 150K
Major Accident: 50K
MC: 62500/187500

Premium is about 352

On top of the above, I have MLTA:

Death/TPD: 185K
36 Illnesses: 185K
Major Accident: 185K

Premium is about 168

With the above info, I'm wondering if i'm overpaying/overcovering for insurance...

He is now offering me to upgrade/switch my existing PRUAssist card to PRUHealth which has a minimum of 50K annual, max 1M lifetime. I think this is something good and I'm considering to take this.

Another offer he is making is to topup an additional ~ 150 for 100K coverage of ECP for 45 illnesses.

Now. From what I understand my agent / friend is saying, my previous 36 Illnesses coverage is called Crisis Defender / CD for short. The additional 45 is called ECP.

I noticed if you make a claim under ECP (according to the brochure), your CD (meaning your main 36 critical illnesses "account") will also be deducted the same amount - is this true?

if this is the case, that would mean if you didn't get to cure your early stage detection illness, you would then have less amount for the 36 critical ones at a later stage..and that doesn't look good. Do correct me if my understand is wrong here.

This post has been edited by CyberKewl: Sep 28 2013, 11:27 PM

i noticed something from this brochure (and every other brochure for that matter):

http://www2.prudential.com.my/export/sites...xi_med__ENG.pdf

The expiry age 70 and 80, if u noticed the same entry age for both - the premium / insurance charges are different. take expiry age 70 with entry age 21-25 - it is 677 for annual limit of 100k, deductible 300. For the same entry age of 21-25 for expiry age 80, the premium is 913 ! I'm wondering, why is that? Shouldn't it be the same?

Ok that makes sense. Thanks for the explanation