Yes for Prudential we cover Traditional and complementary treatment which is registered for Acupuncture , Traditional treatment, chiropractor and bone setter. per year/ per case/ per lifetimelimit.

Our PruAcciMed reimburse expenses for
1. medical treatment, hospital confinement, or nursing services up to 104 weeks from the accident
2. traditional and complementary medicine practitioner ( a licensed acupuncturist / herbalist/ bonesetter /chiropractor) up to RM30 per visit and maximum of RM 300 per accident, RM1500 per lifetime within 90 days from the accident.
3. Can reimburse for Medsaver300 from this rider for hospitalization due to accident.
4. Overseas companion allowance
- Return ticket for 1 of the immediate family to visit life assured hospitalized in overseas for at least 10 days due to accident
- One way ticket for life assured to return to malaysia immediately after hospitalization.
5. Prothesis/ Wheelchair allowance.

This post has been edited by rcantona7: Dec 17 2017, 12:22 AM

if he meant traditional and complementary treatment
Only cover for accidental cause. Traditional and complementary treatment not covered for stroke

If for medical card yes we cover pre & post - 60/90 up to 1 million unlimited.

This post has been edited by rcantona7: Dec 17 2017, 12:50 AM

Yes, at least you are aware of the whole situation and able to think rationally . I am giving answers based on Benefits coverage,definition and clause to fullfill. I believe i will answer all the others that will ask further on. Unless if the question is " Is stroke consider accident ? " Only opportunist like him will want to take the credibility of other agents by claiming they are misleading.Thank you

Congrats you are the first person that knows stroke is not related to accident

Prudential is complete protection which covers
- Death/TPD
- CI
- Medical Card
- Accident
- Savings

1.This is just one of the rider in it. Not a personal accident plan. Maybe it looks like a personal accident plan to you. But its not. Differentiate a plan and a rider. I guess you are knowledgeable to know that definitions right. Since you know Stroke is not even related to accident.

This post has been edited by rcantona7: Dec 17 2017, 06:19 PM

Prudential`s agents are well known for their services

sorry double post

This post has been edited by rcantona7: Dec 22 2017, 07:27 PM

Are you sure this is life insurance or personal accident or even medical Lifetime limit. I have met my friend who is a client from Az company and when i asked him how much life he have for his current policy.He told me his life insurance is 2m and even show me through online access to his acc. Only to find out that the website didnt put full description for the medical limit terms. Annual limit and "Life".So my prospect got misunderstanding about that term used and thought that he bought 2m life insurance. some ppl will even tell you that they bought 100k life from bank as cheap as rm40 per month but little did they know its for accident death only.

This post has been edited by rcantona7: Dec 22 2017, 07:29 PM

You are a caring parent and very nice thought of you for your children. We Prudential have a product exactly suits to your needs. A gift of RM 1 million to your love ones. You can either have half for yourself and have another half to your family. It can be used as a savings/investment/family legacy to your family. With this plan also we give free protection for personal accident up to 4x of BSA. 1m -> 4m if overseas death. Our premium start as low as rm 300 per month.

Sorry for the late reply. Term insurance here meaning is term life insurance ( no medical card ) Are u referring to standalone medical card if i`m not mistaken? If you are very good in investment and have discipline savings and you have the time to manage them then go ahead for those investments/savings. Standalone medical card is mostly for group age 60-70 without any other riders like we have in ILP insurance. The reason why we get ILP and not standalone is because the protection from standalone is not comprehensive and complete to give u a peace of mind. If you have a standalone medical card and lets say one got diagnosed with cancer, only the Medical cost will be paid by the company up to a certain limit and there wont be any paid out by company as living expenses/ family responsibilities. Mind that a breadwinner of a family still need to pay for the fixed expenses, food expenses, children`s expenses and others if they have any other dependent on them like their parents. And you don't receive a refund at the end of the policy period


It is better to get at least 1million coverage as soon as we can because when we need it no any insurers will offer you medical card if you are not healthy anymore or there will be exclusion to your pre-existing illness in your new upgraded medical card. If u can guarantee no sickness till age 80 then there is no need to upgrade your medical card.



why pay to hospital yourself when you can let insurers pay for you ? Are you going to take money from your bank, sell of your asset, reduce your net worth?

Let me take one example for Age 35 medical card rm150/month
rm1800 p.a x 35 years up to age 70 = Rm63k exchange for 1m unlimited protection
in the end of policy period u still get back your cash value.

Lets say if you are cash rich and you can pay for the medical bills. Would you rather give the 200k to the hospital or would you give to your family for a better living life?

It all depends on how the insurers calculate for their COI and whether if its a step premium system or level premium system. We charge based on mortality and morbidity rate, work occupation and smoker or non smoker.

Yes we do have income replacement. Actually it is Critical illness protection.

Indeed there is no right or wrong. Good thought on that factor you mentioned, just roughly share you an idea.
1. Bill Gates once said “Medical insurance has the best leverage, you pay a small sum of money and get a huge protection instantly” . Can the FD investment wait for illness/accident? Can everyone afford rm100k in FD in order to enjoy RM 3500 interest ? It takes about 20 years compounded rate of 3.5% FD for 100k to reach savings of Rm198,978.89 Can you guarantee that within this 20 years one is healthy? After 20 years of force-saving investment in FD is it worth to give this money to the hospital? For FD you need a lump sum, but for insurance investment u can participate monthly (dollar averaging value) This all are protection like why we buy car insurance, are we buying to prepare to involve in accident? But there wont be any cash value out of it but we still paying annually. "Peace of mind"

2.

3. Time versus probability of risk. Insurer + Management & Building cost + Risk Insured Cost + Agents service commission . 6 years of reducing commission for a lifetime service. What can you ask for more

Hope my explanation gives something benefit to others as well.

This post has been edited by rcantona7: Dec 28 2017, 03:49 PM

1. Prudisability provider up to 65 years old (Total and permanent disabilities) - need ME every year
2. Crisis Cover Income up to 70 years old ( Critical illness)
3. Pru Acci income up to 70 years old ( Accident injuries up to 204 weeks)

We have other riders for critical illness lump sum payout up to 100 years old. That is the main protection for income replacement.

204 weeks is up to 2 years only per lifetime limit. ME is medical examination

2 different claims in a policy year then you will need to top up the deductible if the first card annual limit is being used by first claim. After claim 900k. the Extender will terminate, you can refer to their brochure. And eventually the medical will terminate as well . I do not represent GE this is based on my wisdom comparing all company product. If you have more questions about insurance u can inbox me.

Do you mean Wakalah Charges (Allocated rate)? 40,40,50,70,80,80,

Pruhealth outpatient for cancer & kidney dialysis does not cover consultation, examination tests and take home drugs. For cancer it covers radiotherapy and chemotherapy. Thats why there is a need to upgrade your Pruhealth to Pruvalue Med card as the lastest card has a lot of benefit compare to older version of medical card.

Ok let me make it simple.
First card 90k /900k

Second card function is to boost annual limit of first card to 900k with a deductible option
900k/ N/A

If the claim is below 90k, we used the first card.

If the claim is more than 90k.
First card cannot be used due to 90k annual limit. Thats when the Ext card comes in but with a condition 90k deductible will be applied to the first card and the balance amount will be paid in the Ext card.So the policy owner does not need to pay the deductible. But they have to pay for the R&B Coinsurance of 10% min rm500- 1k. If upgraded room the have to pay 20% Co-insurance.The things that you need to aware is withdrawal portfolio, Termination of riders and 2 different claims in a policy year .


Yes indeed u are right. The 1 million protection is for medical card to cover one for unexpected hospitalization bills.


We cannot predict the future as to say that we dont know what will happen. Have you heard in facebook any of your friend`s friend,relatives diagnosed with critical illness or passed away in an accident? Sad but true life must still go on but we want to make sure that the family are protected with ENOUGH life insurance , the late deceased`s wife can continue to bring up the kids without any difficulties or having to beg for donations to support their kids or rather forced to work to support the family on her own.

No matter you are rich or poor, what car you drive, which city you stay in, how big is your house, how many times you exercise in a week, accident is prone to happen. It can happen anywhere, anytime. You can not prevent it, but you can greatly reduce the financial damage being done to you and your family .

Everyone needs insurance, for the poor it is life saving, for the middle income group it is proper financial planning , for the rich is the best way to secure your wealth.

Bro may i know what fund you are participating at the moment? Each and every fund have their own Asset Management Wakalah Charge. Its will range from 0.5% - 1.5% according to which fund your policy directed to.



Medical card cover for all illness that needs to be treated including CIs exclude recovery benefit like face surgery, breast impairment, dental (other than accidental damaged). Prulady covers recovery benefit for face surgery and breast reconstructive surgery.

This post has been edited by rcantona7: Dec 30 2017, 09:27 PM

Hi there Mr. Talzer, When we buy a coat, our shoulder and chest size will be used as measurements to custom made our coat. For Insurance, we use salary as a guideline to measure a custom made insurance so that it fits the needs of our clients and they do not feel too high commitment. So back to your question is it RM750 is practical or too much to commit for your salary. Well all i can advise is , count your monthly commitment every month. What are the fixed loans/payments that you will need to pay if you dont have a job since last month ? Got it ? Then x 12 to get the annual amount. After you get your total annual commitments then x 10 = how much CI you need. If the amount of life is too much to paid for, you might reduce to x5 times of your total commitment p.a. Another method is to take 10% of your nett salary as a guideline but first thing first, the coverage and protection must be sufficient. It all also depend on your age and risk profile , whether worth to convert the risk to insurance company or not.

1.Mostly all the insurers offers Life & Medical. Like bancasurrance(Bank assurance) some of them have partnership with some insurers to provide their customer not only Savings/Investment but also life & Medical. The things that you may want to concern is the company that offer those services, are they having good experience in handling life & medical claims? Almost every insurers are giving many good benefit from the book. But when come to claim, then only you realized if the company is good or not. Not to be biased, just go to your nearest private hospital registration counter and ask the nurse to tell you which insurance company has the most number of patients in that hospital. Then after surveying you can have a clear mind to choose which company`s policy you want to get from before committing a life commitment.

2. Most of them cover 36 CI.

For your first medical policy, my advise is to get Investment Link Plan which provide a comprehensive protection. Because later when you get married and have higher commitments, you would need to top up your life/savings too. Get it now while you are still healthy. Its never too late early to start..

Hi everyone, Happy Chinese New Year. May you and family be blessed with good health,wealth and prosperity !

IF you can get an agent near you, go ahead. But if you can trust that K.L. agent`s after sales service, then nothing can compare to his outstanding service. Most important is the trust between you and your agent is most important. A good agent is not one in forum that can give many definitions or explain many things like a story book. It is his actions and after sales service that matters.

1. TPD income provider (p.a)
2. Critical illness lum sum payout
3. Critical illness income provider (p.a)
4. Minor accident income (per week)

Prudential have PruMedic Overseas which cover 5 major illness for Singapore,Hong Kong and China and is not within 90 days only on reimbursement basic. Our medical card cover outpatient ( including take home drugs).

Let me share you one of my client case. He was admitted to hospital due to heart related problems and high blood pressure. Cost of hospitalization RM13k+ and to his knowledge his company medical card only cover RM10k and he have to pay outstanding balance of RM 3K+ by his own. Luckily he got a personal medical card and currently i`m doing the claim for him. And his card is the old medical card and he wants to upgrade his card after he complete his treatment. So from my real life case, you can feel if its important to get one strong medical card before one`s health declined? It don`t have to make sense , what most important is that will it give you a peace of mind for present and future. When you buy a car, you dont ask if the value will depreciate yearly and you still buy it because you NEED it. So ask back yourself if you NEED your medical card? What if you are going to be your own boss one day or retire from work. Do you still need a medical card at age after 60s?

This one is up to the aunty and children. Can their children share cost of the medical card? If they dont get her a medical card then be prepared for cost sharing for any admission in future. Can go for standalone medical card if the medical card for ILP is very high. Sometimes is not worth to divert the risk but if we can afford at least get a card with deductible option so the premium will be cheaper. Small amount ownself pay. Big amount insurance pay.

This post has been edited by rcantona7: Mar 1 2018, 12:43 AM

Prudential have a plan that can protect both the baby and mother even before birth. Your wife can apply insurance if you have your marriage cert and her passport. IF you are going to take insurance for your wife make sure the life A is your Baby and Life B is under your name. Normally i would do this for overseas wives. In case the cheque cannot reach to the husband at the point of the claim. Troublesome if wife is back to hometown

This post has been edited by rcantona7: Mar 3 2018, 07:51 PM

Hi Yoon Yin,
when a company offer a cheap premium plan of course there will be consequences for that. All insurers have their own way of calculating their COI. How they set the price to breakeven at later years and how long is the sustainability of the policy. WHAT you need to consider when getting a New insurance is whether that company is offering a Step Premium or a level Premium price.

In Prudential our premiums are level premium. Repricing is only when major events impact all the insurers out there. Or the cash value is not enough to sustain the policy.Otherwise you can continue to pay how much you started with until you gets older.

other than that you should know that, if too many people claim the fund and the fund is out of money, they will reprice the Premium in order to sustain the fund.Choose a better and strong insurer so you would never need to worry all these. One insurer declared their fund performance at 0.09cents due to loss which i cant expose in here.

As for your situation, you may want to reduce all the benefits and only get medical coverage or getting a New plan which do not increase every year. Latest entry Age is 70 and medical coverage up to 100 years old.

For the other forumers,
Always get ILP instead of Standalone or you will be facing this problem later on. Think about it....