QUOTE(Colaboy @ May 13 2011, 07:27 PM)
the answer is posible ... but any sum assured above RM500k will require a medical examination from panel clinic
1)My personal point of view a medical card is more important as medical inflation is getting higher & higher each day.
For example i have a customer's son is infected by virus infection and cost him about RM70,000 in total bill for 22days treatment.
Pru medical card is the most accepted in the market . . . we covors about 40% of total individual medical card sold in Malaysia
2)If you are looking for big coverage for PA there is alwaz other alternative or stand alone plan which is much cheaper
hmm, medical examination or not is not important..as long as can get higher coverage with the same policy. Why not optimize it?
I think before you make the statements that Pru covers 40% of total individual medical card, is it better to show valid statements from the authority, right?
Ok, so let say few years ago, i get Pru(old version of medical rider) and now, i wan to get a new Pru(latest version of medical rider). Can i simply substitute it in the same plan?
If yes, then it is good.. my concern is not important.
If No, this is what i am concerned about. Then, I will be required to take out the rider from old plan and i get a new medical rider in new plan. If i put higher coverage in new plan, the fund allocation is actually lesser than the old plan. So, it will not MAX my coverage and it is NOT economical. Agree?
This post has been edited by [f]ireZz[kf]: May 14 2011, 01:21 PM 
May 12 2011, 11:31 PM
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