hello, mr Roy or any prudential agent out there, i got a question.. ive got prulink insurance from prudential of course since 2012.. the thing is.. i dont feel that my coverage is enough for the upcoming 10-30 years. let me break it down:

1. CI and TPD = 10 k
2. Anual limit = 200 k
3. Lifetime limit =4 mill

the thing that got me worried is, when i checked the finer prints, it says even though chemo and dialysis is covered, IT DOES NOT INCLUDE take home drugs, consultation and tests. Logically speaking the things that are not covered is kind expensive even now.

here are the questions:
1.I called pru hotline and they said i can only upgrade my CI and nothing else. they said they stopped selling the product already

2. However I am interested in getting a new policy like the new prulinkone (where there is no yearly limit and i can use up to 1 mill, does it cover everything during chemo and dialysis though?)

3. I asked my agent and he advised me to buy additional policy when im financially ready.. though im not keen on that as it will cost me more money, im not really well off

4.If i do change policy within the same company (prudential), will all my investment go to waste and i have to start all over again? Cuz in my review, i only start good positive cash value after 4-6 years paying insurance..

hmm i dont know what to do any advice?

yes, i know i can inrease my CI to 200 k (so i can use that money to cover the take home drugs etc) which will shoot my premiums to RM 270 per month.. but the thing is newer products by prudential are essentially a lot better with cheaper cost.. kinda anooyed TBH

This post has been edited by arilrifter: Apr 21 2017, 11:26 PM

additional info, just in case u find it helpful.. ive already admitted twice, once for some mild infection, and second one for sinusitus.. total claim around 19 k.. my monthly premium as of now rm 179.. will it affect anything.. I am already paying for 2 additional medical card for my wife. RM 79 premium zurich takaful standalone.. and a recently purchased PRUBSN with RM 270 preium monthly.. will cancel the zurich in 6 month maybe.. so asyou can see.. kinda drowning with medical coverage.. only i feel that my own coverage will be inadequate

This post has been edited by arilrifter: Apr 21 2017, 11:22 PM

thanx so much folks for the help.. Now i have a clear view on what to do.. thanx again ya

i prety much made up my mind and will be upgrading my c.i.. which will shoot my premium from 180 to 270 per month, just to make sure I can cover the take home drugs, examinations and consultations (In which my current policy does not cover).

however i think it would'nt be harmful if i take a look at other policies out there that can supplement my current RM 180 policy..

Hence I'm looking for additional policy that can cover things that my current policy is lacking. It should cover:

1. Full cancer/hemodialisis coverage (INCLUDES take home drugs, examination and consultation)

2. If have high CI would be a bonus though not necessary for now as I have a lot of committment (single income family)

3. Does not matter if standalone or ILP. What matter is guaranteed renewable (must be stated in the policy/contract book. NOT just based on verbal guarantee)

4. If standalone please provide a table that shows the progression/increase of premiums through age

Now here is my information:

1. Ex smoker. havent smoke for 2 years. Although a vaper
2. Have high blood cholestrol. Though no medication were needed. The test was taken back in UNI
3 Hospitallized for two occasion. once for some sort of mild infection. 2nd was for sinusitus last month (sinusitus is kinda a permanent solution as they fixed a bent bone so no worry of re-ocurrence)
4. Age of next DOB 35
5. weight hmmm.. kinda fluctuates between 85-91 (Im a fat SOB).. though my weight back in 2010and below maintaine 54-56 kg.. dont know if this matters
6. married and no children yet
7. Profession (A teacher at a politechnik)
8. race malay
9.height 171 cm


so.. please be mindful, im currently drowning with health insurance already based on my previous post.. so try to send me quotes that are vVERRRYYY affordable

finally, ill take a look at your quotes but no guarantee for a swift response.. It usually takes me 2-3 weeks to do reading and research before I fully commit (if i commit)..

here's my email arilrifter@gmail.com

This post has been edited by arilrifter: Apr 22 2017, 09:20 PM

gogocan.. i was like you.. been scouring for a good insurance that will cover my wife.. but what i found is that a lot of these insurance are sumwhat half& half.. hmm how should i clarify this.. for example when i talked to an agent about pru women which cover women specific illness... when you read the details you would be horrified.. for example, for a 100 k coverage, with rm 200++ premium per month it does not come with investment nor medical card... when you further read it.. it has stipulations.. like if wife gets carsinoma in situ, they would give 30% of sum assured ( 30k).. ugh in my head thats nowhere near to cover her medical bill... and then when i looked through a bunch of quotes from standard ILP or standalone insurance.. I havent found a single one that covers gender specific cance (PLEASE correct me if im wrong).. there are some companies that offers ILP with women's specific illness covered.. but the quoted premium is well above my budget.. around RM 400.. ugh..

so you would have a headache.. do u want to pay a policy that doesnt come with ILP , furthermore with all the stipulation that comes with it.. OR would you take a typical ILP with medical coverage but dont cover women's specificc illness? or can you spare the income to have both??

This post has been edited by arilrifter: Apr 26 2017, 11:49 AM

im just saying.. we as husband needs to take care of our family.. but im kinda dissapointed with the lack of coverage that insurance companies can offer (without the sky high premium).. and lifebalance.. why would people report u? we are here to get a good understanding from u guys

This post has been edited by arilrifter: Apr 26 2017, 11:47 AM

i guess too late already.. already bought my wife prubsn..I would have definitely be interested to study the new aia plan that you mentioned.. still it feels bad when i think about it.. it feels like im gambling with my wife's future.. but i wont cancel the the prubsn.. once ive commit. cant turn back

the new aia plan will cover adhd and autism for babies as well.. dammmnn.. thats good to hear.. sigh

This post has been edited by arilrifter: Apr 26 2017, 12:07 PM

hello, got a question.. this is in relation to my previous post.. since ive already got coverage (though its kinda insufficient) do you guys think its a good idea to get a standard life insurance - only covers tpd, death and c.i - meaning no ilp, medical card and all those razzles?? are they guaranteed renewable and do they generally get increasingly expensive as we age (the premium ) that is

This post has been edited by arilrifter: Apr 26 2017, 05:45 PM

a non agent here.. hmm im a muslim.. yes, you are advised to go for takaful as it is in comply with the muslim guidelines.. however im using a conventional insurance (no plans to change).. and my wife using takafull.. to be honest.. aside from the investment returns (cuz ive been using insurans only for 5-6 years).. when i looked into coverage when comparing my wife prubsn takaful and others such as aia, allianz and prudential.. the conventional offer slightly or somewhat better coverage.. i can be wrong.. dont bash me

for example, my wife's new prubsn RM270 coverage is 400k per year with added 400k if get cancer, kidney failure or heart attack.. death 25k, no c.i.. compared to other conventional insurance, with rm270 premium, they'd roughly get around 1 mill annual limit with no lifetime limit more or less), with some even add 100k c.i and death.. so it differes a lot in terms of value

reliablity and ease of claim however is a whole another devil.. my wife just started and never claimed before.. me, i used prudential old policy, claim has always been a breeze.. for other insurance however i really do suggest u to stalk their official malaysian FB pages and read the customer's comments. then u will get a good idea .. However do take those comments with a grain of salt.. cuz many times its the fault of the customers who did not understand their policy in d first place

This post has been edited by arilrifter: May 3 2017, 12:06 AM

As a Muslim, you'll need to take up a Takaful policy as it complies with all the shariah regulations and if you're still using a conventional policy, the investment return you're making could be non halal.

You'll also not benefit from your insurance in the event you pass away because a conventional policy for a Muslim will still be subject to Faraid distribution whereas the main reason using a Takaful policy is so that you may utilise Hibah to give the amount within the Takaful to your loves ones 100%.

In terms of benefit, I don't see there is any better coverage, probably you can enlighten me why you said so.

[/quote]



yup, true, as i said as a muslim the source of the investment is better for takaful as the source is halal..

hmm, true about faraid.. but for my policy I've already stated who will recieve the money.. so i guess faraid would not be a problem? the same process goes to my wife prubsn.. she also named her own choice of nominee..

" I don't see there is any better coverage" ?? umm i meant that from the tons of quotes ive recieved on insurance products offered to me... i see that conventional insurance offers more in terms of annual limit, c.i and death.. the reason i chose prubsn takaful, simply because the agent that met me was more educated and convinced me he knows what he is doing.. dont get me wrong, there's a ton of agents that i met online that were excellent.. however the problem was they were mostly based in KL and im based in penang.. prefer agent easy to reach if anything happens

This post has been edited by arilrifter: May 3 2017, 12:14 AM

ehhhh? this is weird.. the posts that i did earlier was in response to sum1 asking which is better, conventional or takaful.. it seems the post is gone???

umm thank you Roy and MNet for the advice.. i will take all of your advice into careful consideration.. but please lets keep the tone friendly I dont really wanna be the cause of strife between you guys.. I love to read the low yat forum and gain knowledge because of how professional u guys are and how broad minded you guys are in your discussion

This post has been edited by arilrifter: May 6 2017, 10:39 PM

yup wild card... I learnt a lot from roy, aia, u, mnet and others... thanx a lot .. :

This post has been edited by arilrifter: May 7 2017, 10:01 AM

interesting.. how can an agent be aweful? what's d criteria? other than take money and run, what are the bad qualities of an agent?? curious

wait.. somebody please clarify!!!!!..although i do agree that you kinda have overcovered yourself, and dropping one is a good idea but is it true you can only use one at a time? i dont think so..... lets say you got a cancer, and u used up the annual limit for one medical card, i think you can use the next card to cover after the first one reached its limit.. plus, if you get cancer or 36 c.I, you can claim from both.... wouldnt ANOTHER best option is to restructure your coverage in how u like em to be??? someone please take notice and reply

wait.. dont some insurance like prulady covers if a child is born with autism?? and I thought AIA will be coming up with a new product that will cover women who give birth to child with autism??