Hai, recently a friend visited me in government hospital because I fall ill (allergy reaction). Friend know I have medical card from Prudential but bashing me because I still go to GH. Since my card got limit RM1 mil till age 70, I planning to use it when I jialat got cancer and will use it then.

Am I missing something here? Am I doing something wrong? Any sifu here?

well , nothing wrong with going GH , but more important u need to review your policy , 1M till age 70 is way too low nowsday

1 million is annual limit or lifetime limit ?

How much you pay for your pru medical card monthly?

prudential penipu.nanti kau dah bayar 4-5tahum nanti dia mintak.naik premium.

1mil limit bukan annually ke?
how much ure paying monthly for med only?

He got robin hood syndrome kot.

Less 1 TS in gh means more help for poor sick needies .

Consult your agent.

1 mil for life time.

I thought medical limit normally annual?

Your 1 Mil is annually renew or whole life? If it is whole life, nothing wrong for you to go GH.
Although yours are annually renew, you still can opt to go GH.

Nothing is wrong.

Your fren's intension is why you got so much limit yet still want to suffer at GH no air cond room and so on.

there is no right or wrong, just like you got two option, whether go GH or private hospital,
But some will come with allowance if you go GH, will get some pocket money....

story more details pls

u bayar cun cun. no failed at once. potongan bank. no claim at all
one day after 4-5years prudnetial sent one letter. premium naik harga

u need go bank isi form balik to allowed prundential potong with new premium. one more thing u want terminated insuran please go branch dont thru agent. agent just stop subcription. fact is insuran will start use your saving and deduct from there( if u bought invesement-medical plan)

hey i got that aswell

so now u still payingit?

I donno. I go GH also when I got illness. The doctor are usually better.
Ini on private, got hyperthyroid want to order MRI. Maharammm...

This post has been edited by stopandroll: May 6 2019, 12:40 PM

paying apa aku geram aku terminated. aku x rasa rugi pasal.pakej alrrady more than 5 years. agent also no served me. my package 1 prudential bsn takaful.

😂😂 I can relate when private H see you got insurance they will charge you kaw kaw

How much is the bill? iinm bed & room still need to pay normal price i think from RM150-RM300 ?

So now no insurance?

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

Simple/minor case I go to private.

Big/serius case I'll go GH. All the otai doctors normally in GH and their passion is to serve the needy.

Private one sometimes just want to charhe you kaw2 because want to keep upgrading their lifestyle. Go to the car park see the cars they use also already know.

Why increase premium??

No lifetime limit???

Wow

So high limit

How much is your premium per year?

no...

by the time you need to use that kind of money for sickness, you are more likely gone case already.
most medical card still have critical illness payout.

so use it and get the best medical treatment while you still can.
It is unlikely for you to make a dent on that 1m limit at this point.
If you start using the medical card 100k, 200k, 300k, you will be more worried about your survival than the money already.

How much premium per year??

Straight away call in their hotline and dont go thru AGENT cause they will do funny thing

Boss like that is not call cancel, its call lapse
Insurance will use the cash value continue to run the medical card until it run out and automatically void it

If you call in and cancel you might get back some CASH, agent nowadays also very clever pusing customer

By the way TS, 1 Mil claim for whole medical it not sufficient. Nowadays even GE provided unlimited claim with RM150 premium only

This post has been edited by I'm V-Kool: Nov 10 2020, 09:13 PM

no right or wrong, you're just helping the insurance company save money, in return, they give you RM50/day for sleeping in GH

Try reviewing your policy. That plan seem low for now. Seem like your policy from 5 or 6 years back. Nothing wrong going to GH by the way.

This post has been edited by Noryume: Nov 10 2020, 11:43 PM

Kos perubatan naik maaa. ( Itu alasan di beri )

Fren u want cancel insuran u go their office isi form. Dont thru agent.
Agent will stop u suscription only. If u plan come with saving. Insuran will cut and eat u saving until lapse.

I got 4 prudential .i got 2 agent . Different race. Both dont know this cancel things.

I rugi 1000 u know?

260*12

what insurance company?

Prudential. I think a lot insu co also offer similar things. Call ur agent and asks

Ts kena con ka.. 1m is usually annual limit and not lifetime limit

Older card & also Prudential late to the game with regards to 1M annual limit vs AIA and GE. Now dunno d cos didn't follow.