Welcome Guest ( Log In | Register )

Bump Topic Add Reply RSS Feed

Outline · [ Standard ] · Linear+

 Bought prudential medical card still go GH, Am I doing something wrong?

views
     
saiga
post May 11 2019, 09:32 PM

Fear of the Dark
****
Senior Member
584 posts

Joined: Aug 2006
From: Skudai, Johor
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.
plouffle0789
post Nov 10 2020, 04:27 PM

Regular
******
Senior Member
1,836 posts

Joined: May 2010
QUOTE(K.I.T.T @ May 6 2019, 12:33 PM)
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)
*
Why increase premium??
plouffle0789
post Nov 10 2020, 04:28 PM

Regular
******
Senior Member
1,836 posts

Joined: May 2010
QUOTE(zhou.xingxing @ May 7 2019, 03:35 PM)
upgarde to no limit one la. one year max 1m sth. if u stil young. just upgraded. think wont upgrade for a long time.
*
No lifetime limit???
plouffle0789
post Nov 10 2020, 04:32 PM

Regular
******
Senior Member
1,836 posts

Joined: May 2010
QUOTE(Mackiddo @ May 8 2019, 07:17 PM)
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?
*
Wow

So high limit

How much is your premium per year?
zhou.xingxing
post Nov 10 2020, 04:59 PM

:3
******
Senior Member
1,863 posts

Joined: Aug 2014
From: Soviet Sarawak - Dum Spiro Spero
QUOTE(plouffle0789 @ Nov 10 2020, 04:28 PM)
No lifetime limit???
*
no...
Newsray
post Nov 10 2020, 05:11 PM

Regular
******
Senior Member
1,022 posts

Joined: Dec 2011
QUOTE(lekjai @ May 2 2019, 11:03 PM)
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? bangwall.gif
*
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.
plouffle0789
post Nov 10 2020, 06:19 PM

Regular
******
Senior Member
1,836 posts

Joined: May 2010
QUOTE(zhou.xingxing @ Nov 10 2020, 04:59 PM)
no...
*
How much premium per year??
I'm V-Kool
post Nov 10 2020, 09:08 PM

Getting Started
**
Junior Member
286 posts

Joined: Nov 2016
QUOTE(remylebeau @ May 9 2019, 11:15 AM)
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.
*
Straight away call in their hotline and dont go thru AGENT cause they will do funny thing
I'm V-Kool
post Nov 10 2020, 09:12 PM

Getting Started
**
Junior Member
286 posts

Joined: Nov 2016
QUOTE(se800i @ May 9 2019, 11:51 AM)
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
*
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
lifebalance
post Nov 10 2020, 10:16 PM

Licensed Financial Planner & Financial Adviser's Rep.
********
All Stars
10,162 posts

Joined: Nov 2014
QUOTE(lekjai @ May 2 2019, 11:03 PM)
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? bangwall.gif
*
no right or wrong, you're just helping the insurance company save money, in return, they give you RM50/day for sleeping in GH
Noryume
post Nov 10 2020, 11:42 PM

Enthusiast
*****
Junior Member
931 posts

Joined: Oct 2013
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
K.I.T.T
post Nov 11 2020, 12:48 AM

On my way
****
Junior Member
672 posts

Joined: Sep 2008
QUOTE(plouffle0789 @ Nov 10 2020, 04:27 PM)
Why increase premium??
*
Kos perubatan naik maaa. ( Itu alasan di beri )
K.I.T.T
post Nov 11 2020, 12:52 AM

On my way
****
Junior Member
672 posts

Joined: Sep 2008
QUOTE(se800i @ May 9 2019, 10:51 AM)
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
*
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?
zhou.xingxing
post Nov 11 2020, 10:13 AM

:3
******
Senior Member
1,863 posts

Joined: Aug 2014
From: Soviet Sarawak - Dum Spiro Spero
QUOTE(plouffle0789 @ Nov 10 2020, 06:19 PM)
How much premium per year??
*
260*12
plouffle0789
post Nov 11 2020, 12:37 PM

Regular
******
Senior Member
1,836 posts

Joined: May 2010
QUOTE(zhou.xingxing @ Nov 11 2020, 10:13 AM)
260*12
*
what insurance company?
zhou.xingxing
post Nov 11 2020, 01:05 PM

:3
******
Senior Member
1,863 posts

Joined: Aug 2014
From: Soviet Sarawak - Dum Spiro Spero
QUOTE(plouffle0789 @ Nov 11 2020, 12:37 PM)
what insurance company?
*
Prudential. I think a lot insu co also offer similar things. Call ur agent and asks
PikachuM
post Nov 11 2020, 01:07 PM

Getting Started
**
Junior Member
151 posts

Joined: Aug 2020
Ts kena con ka.. 1m is usually annual limit and not lifetime limit
weissPC
post Nov 11 2020, 02:38 PM

Casual
***
Junior Member
316 posts

Joined: May 2015
QUOTE(PikachuM @ Nov 11 2020, 01:07 PM)
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.
« Next Oldest · Serious Kopitiam · Next Newest »
 

3 Pages < 1 2 3Top
Add ReplyOptions
 

Change to:
| Lo-Fi Version
 0.0208sec    0.70    5 queries    GZIP Disabled
Time is now: 17th December 2025 - 10:42 AM
All Rights Reserved © 2002- 2025 Vijandren Ramadass (~unite against racism~)
Removal Request
Powered by Invision Power Board © 2025  IPS, Inc.