This is for existing policy holder who are under the family plan doing the conversion. You should understand what was being asked before replying sarcastically though

Sure, you may ping me the contact

21 yo still covered under family plan right? Why have to sell house?

Now is the repricing trend for PruHealth and Pru flexi Med?

Hi all, need advice whether the underwriter will found out my medical record as a registered diabetes patient as I went to government  hospital  for my diabetes treatment this year...I plan to upgrade my prudential insurance medical limit due to now already have this sickness to protect future other sickness sufficient medical payment if incurred lump sum....my lifetime limit now is rm650k....want upgrade to rm1mil....which I will ask my agent to quote me a new premium fee and again should I tell my agent about my newfound diabetes condition....?

Another option I checked is now AIA    also have rm1mil  medical claim and rm200k  to next of kin  if died....which my plan now only is rm50k...and AIA  can offer the same premium I'm paying now to prudential....so I felt AIA  is more benefiting but again Read a lot negative  feedback on many rejected medical claims  and irresponsible  AIA  agent overrated insurance company....The plan is good  but future agent service or claim is difficult......and again if I am required  to do medical  test sure I'm positive diabetes....which  may cause either the prudential or AIA reject to cover me....

Please advice my dilemma...Thanks. ..

Okay meaning I just have to maintain my current Insurance? I have bought it years ago before I discovered  I have diabetes now...I am not taking any medication...The doctor just ask me to change to a healthier lifestyle  and lose weight to healthy range to control further damage....

Huh I'm glad at least I have a insurance  than none though  I can't upgrade  the coverage  anymore...

So I no need waste time survey new plan or upgrade already.....just be happy with my current coverage...

Thanks all for your reply....

I also searched through the term life insurance and realize that besides suicide, they don't cover for some of the sports activities as well like bungee jumping etc. Wondering how about accident happens during hiking

how about those IL product from prudential which bundled with life/TPD/36CI, is it the same clause?

Any prudential agent care to answer my question ?

1) I went to cancel 1 of my policy yesterday and was told that my credit card link to that policy only will be able to cancel after 14 days of telling them. So, today i got charge for the policy that I cancelled yesterday. I dont think bank is going to stop the charges so means my money gone liao. Is it better to do online banking rather than credit card ? Since I pay only when I need to rather than let them charge blindly to my card ?

2) Is there any different between monthly charges and yearly ? Heard someone say monthly charges has higher total amount compare to yearly.

3) My agent said can upgrade my medical plan from 75 year to 80 year and yearly no limit on claiming up till 1million but increase my premium by rm 100 per month.. Such a low benefit charging so high. My gf medical card from AIA offer almost the same benefit but even cover up till 99 years old and only cost rm 200 per month. Why prudential benefit is lesser but cost more ?

Actually I went to branch to cancel yesterday 2/10. The staff told me they will charge the credit card first week of the month. But my credit card deducted on 3/10 which after I went to the branch. So you think it is still possible to get a full refund on month of October ?

Roy, how about prudential medical linked card with life etc? It's same with prudential term life?

So Nepal considered as dangerous too? Lol..

buy house, what insurance to buy to protect mortgage?

Cant i directly work with customer service, this agent is not responding to my calls and messages and  I have no idea who is the upline.

What's up with MAA Takaful? sudah bangkrap?

I have two different statements from a few insurance agents about TPD and medical card.
Some agents ask me to get two policies:
Policy (1) with very high death/TPD payment
Policy (2) with very low death/TPD payment but with high medical coverage
The reason is, if i claimed TPD, I claim from Policy (1) so that my medical coverage will not be terminated. Policy (2) will run as normal with payor waiver until the day i die.

Some agents told me it doesn't matter. One policy is enough, eventhough if I claim TPD, my medical coverage will not be terminated with the payor waiver.
So, I am confused, which is correct.

eventhough if I claim TPD, my medical coverage will not be terminated with the payor waiver. ...
Policy (2) will run as normal with payor waiver until the day i die.

Continue from this thread that i created :

https://forum.lowyat.net/index.php?showtopic=4444796&hl=
I'd been approached by insurance agent a few times before, I always spent time, but because my interest is lesser, I end up didn't understand much(maybe I didn't pay close attention)

Fast forward to today, few of my colleagues are talking about insurance(medical card i guess) since their premium increase because of increment in medical cost. It made me thinks that I need to protect myself also at least for minimal medical treatment. So I'm thinking to get a standalone medical card. But the problem is I don't know anything about insurance and medical card.

I wonder what most medical card usually covers? Does normal fever, flu, cough checking at clinics/hospital are covered by medical card?Different insurance company have different panel hospital?

Here is a little bit info about me, that might help you guys suggest what I can consider. I'm a male, 26 y/o, working professional since 2012, 173cm, 70kg, used to be active in sport but now lesser, I stop smoking 6 months ago, and so far I don't have any particular medical issue.

For Prudential Hospital Income rider.... the cash paid for hospital admittance, does it reduce the annual/lifetime limit?

dear all expert,URGENT

CAN I KNOW WHICH INSURANCE COMPANY AT MALAYSIA COVER IMMUNOTHERAPHY THERAPY FOR CANCER PATIENT.

TQ

Any specific Prudential plans that caters to women's illnesses and pregnancy?

Hello insurance sifus,

Asking for a friend, she just recently found out she is under insured coz her property only cover MRTA for 5 years and expiring next year.

Balance loan: 500k
MRTA expiry 2018
Existing Life insurance  TPD 110K

Should I suggest her to get MLTA or increase her insurance TPD coverage?
Her concern if anything happens to her, wants the mortgage debt fully settled.

Thanks for suggestion.