Original limit yes. But did you keep all the letters prudential sent to you? After few times of repricing, sometimes they increase your annual limit and lifetime limit compared to day 1 when you bought the policy. Give you some sweet, so you happy sikit.

maybe your agent mistaken as PRUhealth. your mum and yours is PRUMajor Med Plus?
hi adrianteo, premium is always not guarantee. reason being is although cost of life insurance is unlikely to increase, but the investment value will fluctuate. it might under perform compared to the projection table. also depends on how much you are paying currently. some might pay a lot even just for life insurance.

go check your portal to confirm the benefits.
Premium payable & account value is not guaranteed and subject to repricing at any point of time.

Call in to Prudential to check on it.

Otherwise refer to the policy book for the plan benefit.

hi may i ask, do you receive notice for increase in premium? mine was asked to increase from rm250++ to RM310 per month, abt RM50; and my plan is not as high as you. when i asked for reason, it was saying due to cost of medical increase and blah....i was really pissed off with their standard answer, and this is not first time. i been paying for almost 20 years, this is the steep increase...

really useless reason, and increase so much this time, my starting premium was about RM240, then....increase bit and bit, last was 2017, RM253 to now RM259. i am asking for details and how do they justify such increase. if not worth for such, i better add-on with others, as Prudential just pushing the responsibility to let it handle by the agent.

thanks for your explanation, i do aware such factors, especially those factors are uncontrollable by us as contributors. Prudential own the social responsibilities too but when i asked for slight detailed info, instead of general statement ...prudential just keep quiet...
i need the data to analyse further..
i am 45 this year.....

hi mrcloud9, indeed Prudential removed their Hospital Allowance rider in the new ILP plans. for other companies, you can actually still add this rider into their plan.
do you mean RM200 R&B?
you can actually look at Manulife Signature medical card plan. They cover any single room and up to double of their single room ward rate. of course that is the highest range in their medical card rider plan.
hi coolguy, regarding on whether insurance companies forcing policy holder to increase premium, this case is not guarantee like that. if not mistaken from next year onwards, premium increase has become compulsory and if wanna maintain premium, then policy holder is forced to lower their coverage benefits. let's wait for this news to be confirmed again. only if premium and coverage makes sense and other reasons, if you insist to switch to other companies, it's still ok to do so.

The covid situation was abit different. The premium deferment was quite special la.

But for normal circumstances, premium holiday is a feature of IL plans la. So you can just skip. This is usually the case la.

But i do know of 2 companies with funny premium holiday rule. Where you really cant, during the earlier years.

premium holiday is applicable to ilp plans. You can apply for it or policy status will automatically turn to “premium holiday” status after x months of no premium payment. Insurers can force you to pay any due premium when you wanna make alteration to the policy benefits say add/remove riders. For premium deferement due to COVID is kinda like special case unlike premium holiday. Have to check with the TnC from your insurer. Just the 2 months due wont cause any claim problem unless your policy is new say within 1 year perhaps.

in that case, if it is necessary then just stop premium payment will do (note: not encouraging you to do premium holiday ya ).