PruWealth providing protection with 4 times of sum assured. and other 14 infectious disease
Firstly, you need to clearly analyse why you need such of this protection? Will the plan able to protect your income and your family?

HI There,

yours plan may be is Pru Flexi Med.

1. it is advisable to upgrade to unlimited annual limit and lifetime limit which are 1 mil, 1.5 mil, and 2 mil subjected to your health condition is good.

2. Second option, you can add a 2nd medical card with 20,000 deductible while remain the same Pru Flexi Med.

There are some difference and no difference between 70 yrs old and 80 yrs old.
1. the similiarity is : both medical insurance charges at the age of 70 and 80 is same.
2. the difference : the premium for 80 years old might be a few ringgit higher compare with 70 yrs. so, it gathers more saving.
however, both of these two points on above I advice to opt for 80 yrs old because the cash value at 80yrs old is much more higher than 70 yrs old. hence, it will extend the medical card period until age 80 yrs old.

First of all, you need to understand your own current financial situation. Do you need that large amount of rm500,000 or does the amount enough you to cover your current expenses? To cover currently or to cover as much as 10 years, 20 or more years later? Financial need analysis must be assessed.

Almost all insurance company they have these similar product, that is life insurance and add on critical illness plan. You need to look for a plan that is suits your needs.

Yaya, too good to be true. Looks like there is misconception of the protection plan. I also believe is 1mil protection from what he means is a medical card.

Probably have these kind of plan. Which is only cover life and some additional of critical illness coverage.
This kind of plan normally will cover life insurance sum assured of min rm500,000.

Is true that it have no medical coverage.

Got to study your financial needs, what kind of medicals that suits you.