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

First of all, what is your age? Cant really comment without knowing your age.

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.

It is good to consider upgrading you existing medical card, as the lifetime limit is only 187k. However, 50k annually might not be sufficient as well. However, try not to replace it with a new policy, as the existing illness that you have currently might not be covered and the waiting period will start all over again.

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.


ECP, Early Crisis Protector is an complementary rider for CD.
It pays out 30% when one is diagnosed with early stage critical illness, on the other hand, if you have only CD, you cant make claim when you diagnosed with early stage
And yes, claiming from ECP will reduce your sum insured for CD as well, it is not really a bad thing, since you getting the $ earlier instead of during the critical stage.