Wow u r a genius. U expect insurance company to charge 50 years in the future medical costs in 2020.

Topkek genius. Then u wont be paying 200/mth now genius, u wud be paying 1000 /month. U ok with that?

Come come i clap for u

My agent told me if I accepted the RM50 increase, there no problem also as the after deducting the cost for medical premium, whatever remains will be park into the Investment Link rider. The fund that is generated in the IL rider can later be use to offset the medical cost premium in the future.

Insurance makes me health lazy

2-3 years later

Over production capacity
Too many competitors from China
Order going down..

Kekeke..

Back to 0.1

RM40 increased for yearly fees or monthly..if monthly banyak Tu..

Mine increased from 300 to 350...My agent a sweet looking amoi convinced me to take up..damn..regret now...

I have a weakness of not saying no to wimmin agent/sales person who is soft spoken..

as i know lar....conventional medical insurance plan will increase as you grow old.

40bucks seems very minimal.

I think it's RM40 a month. That is like RM480 a year.

ok...thats sound about right IF....TS pay monthly

only superstar buy insurance, cause your body worth every penny.

hmmm interesting

Monthly.

I pay monthly.

For me it's still acceptable la.

But i just wanna understand how it works.

Noob about insurance here hehe

U pay of course no problem la.. down the road 3 years later they will ask for another round of increment citing same reason... medical cost increase. So u will be always at the mercy of the insurance provider

Then what are insurance agent for now?
When you meet them you tell them your budget, then they make you sign a package that is in your budget.
1,2 years later the insurance company hike the price and now your plan is no longer in your budget....

Prudential is also increasing their premiums. Can anyone from other insurance companies state here whether they got an increase of premiums.

It looks like there are elements of price fixing involved due to the timing. I'm putting in a report to the MYCC (The anti-cartel commission of Malaysia) if I can get more cases or proof from other insurance holders.

Reply to this post.

untung la G.Eastern ada bagi pilihan reject atau accpet. kalau prudential. dia terus naik harga.
pastu ejen akan call kau suruh kau pergi bank isi form baru. it will allow bank to cut according new price

terus aku cancel.

Prundetial ada hantar surat bro. tapi surat tu cuma bagitau. increatement. dia takde tanya ko nak accept atau tidak.

Prudential selepas 4 atau 5 tahun mmg akan naik harga premium.

i used to subscribe to PruBSN takaful as well for me and my son. absolute dog shit. i never missed a payment but i can never use it when i need it. every. dam. time i try to use it, there is always some issue. usually the hospital is not pru takaful hospital panel so they dont accept it. even if they are prudential panel, they are not pru takaful panel so cannot use. really wasted my money on this shit insurance that i could never use.

This is misleading. Premiums are not fixed even for ILP and can change.

Which insurer guarantees no change in premium AND no change in coverage when yearly renewal is due? Happy to stand corrected if you can show me there is such a product in Msia.

This post has been edited by Ray2021: Oct 29 2020, 02:35 PM

cope "any" illness. LOL
go pay a visit in a hospital. :-)