now vulnurable. but i plan take good one. insuran like internet package
so please careful

1M lifetime is really low. you should consider getting a higher coverage, at least a rm4M lifetime.

Great Eastern got such plan if not mistaken.... AIA too..... Please check if you want to find out more... Not check with me... Go check out with agents, the good one.

when you purchase that time, your agent got tell you premium wont increase?

No doubt it is the best doctor in GH.... As they are very experienced doctor and their patients are double or triple of private Hospital. This is why the doctors in GH is good..

Practice makes perfect.

I thought government is now started to control those private hospital cannot simply charge and must charge according to the guidelines from government.

what is the internet package u mean?


I think nowadays medical plan all is renewable one. Which means renew every year.

not really. most would have a yearly max and lifetime max.

upgarde to no limit one la. one year max 1m sth. if u stil young. just upgraded. think wont upgrade for a long time.

yours is old plan la.... faster call your insurance agent taruk him/her 999

ask them why people got annually renew limit yours dont have

most importantly is ask the agent to maintain the current premium....

pretty sure your agent didnt serve you for sometime


yes la

I think I had the same card plan as u. I cancelled the damn Prudential and change to another while still young. The cancellation must have the beneficiary with u, two person with two ic for the damn cancelation.

Check your insurance policy, if you choose to go GH for admission, you might be able to get hospital income benefits.

Call up your agent and check.

There's no right or wrong, it's matter of choice

plenty of medical cards nowadays
got the type that offer no anual limit but only lifetime limit
still got those with anual and lifetime limit

bottom line ask the agent and make sure u listen and understand.

to KITT,
any insurance will have premium increase along the way
its due to COI (cost of insurance) as well as medical cost inflation (about 14% per annum)

but rate of increase is depends on the operator.
as off today, your prubsn is doing quite well compared to some other (no need mention)
i've seen as high as 130% increase.. just imagine

and i personally own that prubsn policy as well since 2008,
till today it just increased about RM29 only

i didnt mentioned i do not have annual renew limit. my Co insurance just cap at rm4M per year and lifetime limit rm12M. on top of that i have personal insurance. you think enough coverage?

The most important thing here is you recovered and is well, even if it's from staying at gov hospital.

Hi. If i cancel my Prusbn insurance, will i get a refund..i purchased in 2016.

Go check your policy. Usually will get refund minus little bit service/operating charge I think.

depends on ur product. if its an investment-linked and
since your policy still new if u got that takaful saver rider maybe there's some cash value.
upon surrender can get the cash value i guess.


btw why cancel?
a new investment-linked plan would be more expensive nowadays.

Since now i cant afford to pay the premium because i just bought a house and my wife just giving birth. I'm also not sure to cancel it or not. Can you help me on this. Thank you in advance.

to cancel the prudential medical card need to be so troublesome >??? I cancel GE last time just informed the agent,. then agent told me let it cancel it itself as inside still got cash value.... GE will cancel it once no more cash value

pretty good enough

well, if u cant afford, then what can others say. eventually it'll lapse. so just do it.
this is about you own financial portfolio. i have no right to comments or say anything.

just that personally i believe u should keep it. infact should provided for the newborn and wife as well.
this is just a matter of priority and how people see things.. nothing right or wrong.
some will see insurans as tak apa, can potong (thats when people decide to commit to a new godcar for example which they can settle for persona and still able to pay the premium )

some will see ins is important die die must keep.
will think that if have all the liabilities but no income protection and replacement plan (which is insurans)
then its a risky life

anyway,
just that so people know, preparing for rainy day kind of crucial.
somehow medical is the culprit that damages people's financial becoz not many will put aside of their budget into medical and when kena then gg.
most of us will never think we will fall sick one.. and i personally dont wish too..
but the reality is, people is getting sick.. no one getting healthier day by day.

just my two cent

Very sure must be done in person with ic, both parties. Otherwise I don't know how to lapse it by removing the bank standing order. I want to be sure it's cancelled without further payments so better to cancel policy.

So for auto debit credit card must do like this in order to completely cancel it off the medical insurance?

parking for info