Global ( international medical evacaution) coverage is included free ma.

prudential for me

Walao, why keep increasing.. economy tak baik still increase ar..
When MOH manage to reduce the medicine price i'm wondering will it reduce the insurances or not..

I dont know why people still recommend Prudential BSN Takaful


scam 3

scam 2

scam 1


Do your own homework before deciding. This is for lifetime

This post has been edited by inspiron: May 22 2019, 02:03 PM

Cherry picking isn't it? Ayam guna prubsn. Last 2 week baru performed surgery. This is my 3rd surgery dy since 2010. All process went smooth claim get within 2 weeks siap dpt allowance.

AIA better

PrudentialBSN Takaful heard so many viral story parents, patient tak cover eventhough pay lots of money

scam 4


Just because you buy a proton car and it's working fine, all others who complaint about their proton car is inconsequential ?
For every car brand, sure have a few car that the service center not able or dont want to resolve the user's problem
But Proton's car quality is well known not to be trusted
They built car that is safer than P2 but why do you think P2 car outsell P1?
You think Malaysian does not care about their safety?

Car = proton
insurance = pru bsn



This post has been edited by inspiron: May 22 2019, 03:39 PM

Hong Leong Assurance!

Hong Leong Assurance!

Thank you everyone for the assistance..

based on my last experience, this is true...

topkek. prubsn is prudential ler

go for Zurich Takaful

many story about prubsn scam simply becus prubsn is most subsribers. same like myvi, since there a lot myvi user, so many myvi setori.

plus, prubsn mostly melei subsriber so they pay without knowing shit then later blame insurance.

Do you even know what happened to Jamal Yunus case? Why he did not follow up after he made a lot of noise? What happened to the court case?

Do your own homework first before saying PruBSN or any other insurance companies policies are bad. Insurance companies do not reject claims unless it is not covered or against the terms & conditions of the policies. This is where a lot of policy holders fail to understand. A lot of people especially Malays think that just because they have the medical card, everything also can claim.

you buy the Etiqa insurance through online?

Lel good luck with ur intention to tarnish their images. And i didn't have to do homework cuz im am one of their proud policyholder and having zero problems since day 1 i service my premium. Or maybe becuz u dlu main bayar tak baca terms n cond lepastu u mau claim tak dpt salahkan prudential. Idk man ppl like u bila sudah silap takmo mengaku lepastu cari jalan lain mau racun org supaya percaya ckp u.

True. I think that guy pun sama, not being responsible main sign dan bayar tak baca dan paham policy. Lepastu main tembak amik article sana sini blame ins operators.

Yerp. So far satisfied.
Before i decide to buy life insurance from them, every year I already renew my roadtax with them thru online also
Hassle free not like AIG where i need to figure out my car VIN no. WTF????

my personal insurance is PruBSN
my company insurance is AIA.

I will share my experience in categories:

1. Admission:
- None of the hospitals I have ever been to accept PruBSN insurance outright. They always have to waste time negotiating first with Prudential which just does not work during a critical situation
- I have never had problems getting into hospital using my AIA. some hospitals are AIA-preferred hospitals (including the one nearest to my house) so getting treatment is super easy.

2. terms:
- Pru previously had really stupid rules like you can only claim if you are in-patient so you would have to actually sleep at the hotel minimum 1 night to be able to claim. My agent says nowadays they revise this rule already but I dont know if they revise for all treatment or still have for some.
- AIA is very strict with its terms but they are also very transparent. what i mean is they have high requirements for claims but they tell you clearly exactly what they are. so this makes it easy for us to know what we need to give them for the claim to succeed. its strict but definitely achievable as long as you are not trying to cheat or get more than you need.

3. claims:
- AIA claim can be done via app and online and very quick and easy.
- I havent done a claim for Pru in a long time so they may have a similar system in place now but it doesnt seem as easy to navigate as the AIA system.

4. customer care:
- I usually have to run round rings to get any info from prudential. it took my agent 4 months to change my mailing address. every time i ask if my payment is up to date, they can never give me an answer. this is what made me stop using Pru. i check with my agent ever 6 months on whether he has been getting my payments but he never responds. the online system was not available previously so there was no way for me to check myself. had to go through him. this is shit service.
- never difficult to get answers to my queries. most of the stuff I want to know is available in their online customer service anyway so I am a lot happier with AIA cust service than PruBSN.

5. coverage:
- dont know which one has more coverage. never had the chance to compare fully between the 2.

their medical coverage is quite low which is 120,000 k only. this is the maximum that i see