Hi, any prudential agent here?

I got a quotation from an prudential agent about PRUvalue med just now.
I am thinking to get this plan for my father (49 yo/smoker/occupation class 3) with 20k deductible, board rate 100.

Life insurance: 20k (I don't need this, but the agent says must buy).
Premium: RM 160

According to the calculation given by the agent the plan can sustain until 76 yo, but i can top up if i want to extend the coverage.
Questions:
1. Is it correct that i must buy the life insurance to buy PRUvalue? I don't need this.
2. One thing i noticed is that the agent can adjust the premium, the only thing changed is how long the plan can last. Does it mean that i can pay a minimum amount initially, and top up accordingly as i got more money in the future?
3. Since i am buying the plan for my father, in which i will be the one paying. Am i eligible for tax relief?

Hi. I applied for PruBSN Anugerah Plus insurance on 30/1.

Receive email on 31/1 from prudential on the confirmation.

Agent say the coverage start 1 february.

But he said my february contribution is free. Will only deduct from credit card march onwards.

However he say need to pay application fee one time which is equivalent to my monthly contribution. Is this true? Need transfer to his personal account as he paid the fee upfront for me yesterday upon registration.

I am not too worried about the renewability, to be honest. I'm just double checking on it, because they told me its "subject to yearly review", despite the policy contract states that its "renewable at option of the insured."

What concerns me is more on the alteration and portfolio withdrawal condition.

Why general insurance? Well reason is pretty simple - price competitiveness. Especially at old age - I am actually buying this for my parents. The premium offered by life insurance companies were simply too high to afford.

macam hilang liao owh

1) Went to specialist with referral letter from clinic, ask to do scope
2) Admitted around 9:30AM, my operation (endoscropy) is scheduled at 1PM
3) Nurse asked if I want to do blood test/ultrasound first even though my insurance haven't give approval yet
4) Checked with agent, he said once admitted, blood test/ultrasound are covered - so I proceed
5) Around 12PM, staff told me insurance only give "Non Guarantee" status and that I have to pay myself first. So I contacted my agent and he checked with Allianz. Apparently scope is considered "investigative nature", I can only claim if I'm getting surgery later. I also won't be able to claim if there's nothing found during the procedure.
6) The staff did ask if I still want to proceed, which I did because I was already changed into hospital gown and already came this far (been suffering since May, just want to get it over with).

So yes in a way the agent did inform me that it's not claimable if no surgery, but I still think it's a bit too late.
Then again, gastric problems are most likely healed thru meds/probiotics so anyhow I won't get to claim too even if something was found during the scope, since no surgeries will be involved?

I attach screenshot from the policy what I think is related to my case

1) The clinic doctor wrote gastritis in the referral letter
2) I signed up last year mid Sept

Ah I see, my scope diagnosis was non-ulcer dyspepsia and doctor gave me some medicines, next appointment in 2 weeks

Is it possible to change our handling agent? Just found out that my agent is no longer doing insurance. Scared later if I run into any issues down the road. I am under PruBSN

How do I do it? Need to go to tge branch or just let the new agent handle everything?

Those who bought the prulink policy earlier are taken for a ride if not offered for extender to have similar benefits (eg coinsure, lifetime limit, etc) as the newer policy? Any ground for appeal?

Thanks for the response. Would the cash value from prulink one/pru value med be transferred to the new policy or forfeited?

Hi can anyone enlighten me on the concept of deductible?

For example number 1:

Med Card A : annual limit 50K
Med Card B: annual limit 1.2M with 20k deductible

Mr A hospitalized and the total bills comes RM 150k. If Mr A use Med Card A first, the first 50k bills will be paid by Med Card A and the remaining RM100k balance will be covered by Med Card B but Med Card B will only approved for RM80k only and RM20k Mr A must pay in cash. Is my understanding right?
If Mr A use Med Card B first can he claim the 20k deductible from Med Card A since the limit not burst yet?
For second example, let say:

Med Card C: annual limit 20k
Med Card D: annual limit 100k with 5k deductible.

Mr B hospitalized and total bills comes RM 7k. No problem for using Med Card C since it will fully covered.
But can he use Med Card D and claim the first 5k from Med Card C?

Why want to buy so many medical insurances.

In theory, yes, claim A, then rest claim B, and another rest claim C.

In reality, you may have lot of troublesome to claim them due to paperwork and procedures in the process of claiming.