Hi all,

I already have insurance with prudential since 2000. Never use it until last feb where I had an accident. Total of everything including post hospitalization is almost 40k. When I went to prudential to claim for my post hospitalization (I no longer have agent) they told me my claim is limited to 50k per year, which mean, if I have another accident this year (god forbid) it won't be enough to cover it.

I can upgrade my insurance, but the problem is, I will lost few benefits like hospitalization daily allowance. Also when I took my insurance in 2000, I don't have any medical condition, but now I have high blood pressure and if I renew it, my insurance won't cover it. They advise me to maintain my current insurance and take a new one.

So, anybody can suggest insurance that cover accident and hospitalization? I think that's all I need because my current insurance can cover the rest.

Also they told me that new insurance won't cover 100% like my current insurance, where I need to pay 10% of the cost. Is that true?

Any agent feel free to contact me via PM. thanks.