Prudential Malaysia & PruBSN finally covers all covid treatment start from todays onwards , applicable to all medical cards

Official Annoucement :
https://www.prudential.com.my/en/our-compan...an-coverage-en/
https://www.prubsn.com.my/en/campaigns-anno...-plan-coverage/

Some Highlight :
1. only can claim when doctor say immediate treatment / hospitalisation is needed
2. does not require any letter from KKM / government hospital anymore
3. can just walk in & subject to private hospital capacity
4. claim thru reimbursement / cashless according to your respective medical card limit

This post has been edited by ping325: Aug 7 2021, 09:38 AM

hi zzzxtreme , we can stack life , CI , accident coverage value as we want....
for example , Ali purchase CI from AIA 100k , prudential 50k , GE 50k
When CI strike we can claim from all 3 together at the same time only, total of 200k, who bank in the money to you first depend on agent & insurance company efficiency.

The insurance plan wont terminate if you buy add on called payor, the policy still continue to run and bear by insurance company

This post has been edited by ping325: Aug 7 2021, 04:54 PM

i see…I don’t see any terms that don’t allow customer do that

Basically the bank have 200k ready to bank in to you but you ask the bank bank in 50k now first , another 150k no need first and in future only bank in…. For sure they welcome you

Once CI claimed doesn’t mean the policy ended, you still need to continue pay if no payor purchased. The policy still jalan but without CI portion only…. That’s why payor also quite important, once a person diagnose with CI but survived , the cash value inside policy still jalan and pay by insurance company until policy term ended.

Let’s say ALI purchases :
AIA CI 200k , payor , rm200 monthly
Prudential CI 50k , payor rm100 monthly
GE CI 50k , no payor , rm80 monthly

Suddenly CI strike , ALi claimed from AIA , so AIA pay 200k to him and help him continue pay rm200 monthly until policy contract end , this mean the cash value inside gonna be a lot because CI portion gone already…

Ali don’t claim from prudential or GE , so he need to continue pay for 180 monthly , but if I’m ali for sure I will claim all….since they money is ready to bank in to you. Plus GE , prudential can reprice you anytime in future.

If I’m Ali , I will claim from prudential and let payor kicks in & terminate GE if don’t want burden with cash flow from insurance anymore. In future , I still covered for life by prudential and AIA + I can withdraw emergency cash anytime from cash account..

This post has been edited by ping325: Aug 7 2021, 06:18 PM

Because zzzextreme ask about CI so i answer for CI portion only. Except CI , payor actually cover TPD also.
If want to know in depth payor , there are payor basic , spouse payor , parent payor and so on ... all got its different function...

For basic and most widely used....is cover for both CI or TPD
more info here : https://www.prudential.com.my/en/products-r...rs/payor-basic/

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Regarding your question : The purpose of a CI policy is to obtain a lump sum payment and is there a reason why would an insured add a payor rider to continue the policy?

My personal answer as below:
Scenario 1
If lets say ALI purchase a CI ILP without payor. Once he is diagnosed with CI, he definitely will need to use a lot of cash + he cant pay for future policy premium.[lost income / job]
If he still want continue covered for life,accident,medical cards he have to continue pay by himself or just terminate it.

Scenario 2
If ALI purchase CI policy with payor , after he get the lump sum cash from insurance company , he no need to continue pay the policy.
Insurance company help bear it until policy term ended. This means , after ALI diagnose with CI :
i) he get lump sum cash for treatment or own use [ this money eventually will finished used ]
ii) his payor kicks in which mean future policy money no need pay but still continue insured with Life + Accident + Medical Card FOC [depend on what he purchase]
iii) future policy money all paid by insurance company , which mean cash keep continue accumulate inside the cash account for future withdrawal
* Once payor kicks in , everything cannot be modified anymore [imagine ALI is paying RM1000 monthly policy , this RM1000 is foc paid by insurance company every month]
* Because of ILP, certain % of money from this RM1000 is parked under investment / savings. So basically ALI keep on can withdraw cash in future as long as there are cash inside.
* Savings / Investment account portion will increase because CI rider already been eliminated
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Or maybe in layman explanation , payor helps to reduce future burden when something unfortunate happen to someone but he survived.

This post has been edited by ping325: Aug 7 2021, 10:30 PM

yes , use according to respective medical card limit.
-provided private hospital still got capacity
-provided during admission this campaign still on going

Which automotive company’s vehicle fuel consumption is the best in Malaysia ?

This post has been edited by ping325: Aug 11 2021, 03:31 PM

May I know which types of policy you need ?
1. purely education savings plan
2. child life insurance with savings inside it [ CI , Life , Medical Card etc ]

As two are different types of products offered by life insurance company.

This post has been edited by ping325: Aug 14 2021, 01:56 AM

bro...these are case to case basis....
let me share you a real life example....

Scenario 1 - real case of my friend in negeri sembilan
A close friend of mine get covid positive , he also have insurance plan with prudential.
when he admitted to hospital , doctor say he is just mild case nothing to worry about...just quarantine at home.
However, he is worried & insists want to be admitted, with self paying bills.
He is panic , worried it will escalate to stage 3/4 suddenly.

Well, of course doctor welcomed him, since he mentioned self pay.
THIS SCENARIO CANNOT CLAIM INSURANCE MEDICAL CARD.
He stays around 1 week and total bill around 60k.
Will the bill amount same when claim using medical card ?
Well, case to case basis, always bear in mind that certain portion of itemised item cannot be claim by medical card & medical card is used for necessary treatment basis only.

Scenario 2
Someone kena covid and private hospital say he need immediate treatment.
Then this is different case. Later on if the bill charged 200k , it can be claims by any insurer that covers covid.
Claim limit , claim terms , cashless or reimbursement is depend on respective insurer T&C.
Better to standby cash in case of emergency.

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Regarding the screenshot of the 300k bill that everyone shared on social media is very brief , we cant just judge the book by its cover.
It can be the customer pay himself or claim from medical card.
When it comes to medical card usage, it is subject to necessary treatment ONLY.

So back to your question : Is there any medical card willing to cover this amount?
For prudential , yes , subjected that is it necessary covid treatment & the covid promotion still ongoing.
*subjected to cashless or reimbursement basis
For other insurance company , you may check with respective LYN members other insurance brand. [ Not 100% portion of the bill can be claimed. ]



This post has been edited by ping325: Aug 17 2021, 03:39 AM

unfortunately yes , they can pull back anytime
for prudential

This post has been edited by ping325: Aug 15 2021, 02:35 PM

hi jiunwei , thanks for the heads up , i edited the post regarding the screenshot address to super911 post.

Very sorry , i didn't elaborate clearly and deep enough. Maybe i share my bill recently which i walked in to sunway velocity.
And also my friend who self paid for covid admission, billed 60k for 1 week stay. [ both self pay ]

During May 2021 ,I'm having a mild tonsillitis & i decided to walk in private hospital for treatment, i already know it is not covered under medical card.
I do not want to go to clinic and want a proper ENT specialist consultation.

Yes agreed that each of the itemised item billing is standard & according to KKM ceiling prices. Itemised charges also reasonable.
The difference is the doctor keep pushing me to add more itemised item during consultation, which will make the bill sky high if i didn't rejected.

Inside consultation , he did mention normal medication with one week rest at home will be ok normally , but i have to endure the pain.
Afterwards , he offered me if i want to treat it immediately by giving me more expensive pharmacy item + Tonsillectomy if i really don't want to endure the pain.
Is it medical necessary ? he says nop for now but it is best if I have budget for it to make sure everything 100% cured immediately.
The doctor actually show me all the itemised billing inside room from his pc, before i agree and consent to go for it.
The bill was like few hundred vs 20k...in the end i choose few hundred. If I'm a millionaire of course i would have go for 20k.

For my friend case, he don't have budget issue and want the best treatment for covid. Already pre-mentioned to the doctor.
Therefore, she almost ticked all itemised options including priority equipment usage , good meal and good solo room to stay.
She get billed for 60k ( non ICU stay , stage 2 ) for one week only. [Self pay-voluntarily admission]



This post has been edited by ping325: Aug 17 2021, 03:45 AM

If you have annual limit 1M and refresh every year;
means if this year you claim 400k , you left 600k to use this year , for next year you get fresh 1M again.

if you have annual limit 500k and lifetime limit wont refresh and shared used;
means if this year you claim 400k , you left 100k only for you to use whole life

This post has been edited by ping325: Aug 19 2021, 01:15 PM

LOL , GE , Alianz , AIA , Prudential is equally good , its like different branding who offered life insurance plan.

if she really want to help you , she should ask you to upgrade instead of surrender & repurchase

Your question : That one million in a lifetime, enough to cover the medical cost?
Answer : More than enough , that is 1.38 million limit per year not lifetime. And it is prudential most expensive card.

This post has been edited by ping325: Aug 30 2021, 06:00 PM

The agent got the commission after that.
Ans : the agent will get commission for both upgrade and new case , just that new case of course more commission because upgrade amount is lesser.


while new policy's premium and benefits are cheaper and good compare to the upgrade policy.
Ans : i tried to compare A to A before , pru link assurance vs pru with you [ latest plan ]
Everything can be upgraded as per pru with you except life booster only.
Rider such as disability income replacement is only available in pru assurance and cannot move to pru with you.
I tried pru link assurance that purchased 10 years ago vs pru with you that purchase now, with the exact same coverage & sustainability;
PRU WITH YOU is more expensive. So thats why upgrade is more favourable on customer end.

I also tried by upgrading to match with existing coverage from old plan , it is much more cheaper compare to direct purchase a new plan all over again.
Don't simply surrender or terminate it , else why we buy at the first place before this right ?
tak kan we keep surrender and buy again in future

This post has been edited by ping325: Aug 31 2021, 12:23 PM

Hi kaish529
No need to surrender , upgrade is a better option . but ur agent will get lesser commission.

PRUmy child MYR 50,000 --> Suggest you to upgrade to 100k because the cost wont affect much
Crisis Shield Benefit MYR 50,000 --> Suggest you to upgrade to 100k as well
If you got extra budget you can change crisis shield to Total multi crisis care

PRUflexi med --> this is actually good also , if you got extra budget then only upgrade to pru million med
-250(room&board)
-no deductible
-50,000(annual limit)
-1,000,000(lifetime limit)
Enhanced PRUpayor Basic

There is one important key info that you didn't highlight here , which is SUSTAINABILITY.
It affect the cost a lot , if your policy sustainability is until 100 years old , for sure it is very expensive;
If you lower down to 70/80 years old , you can maximise your coverage with lower price.

Again don't simply surrender your old policy , everything can be upgraded to match with current coverage . Even in the future as well.
If keep surrender and purchase new policy , it defeat the purpose of your parent buying this policy for you long time ago.

This post has been edited by ping325: Sep 3 2021, 02:23 AM

why not option 3
Age : 9 years old Female
Monthly------------------------[get quotation from different insurance company to compare ?]
Age Coverage------------------70 years [ because can be upgrade in future , 100 years is more expensive ]
Death/TPD---------------------100k [ because got discount ]
R&B-----------------------------200 [ quite good enough]
Annual Limit--------------------1.3M, unlimited lifetime [ more than enough ]
Parent Contributor--------------Yes [ single parent cheaper ] or you can upgrade to double parent if got budget
Child Payor----------------------Yes

For Prudential Pru With You is RM156 per month with the above coverage. One month cashback if you sign up before 30 sept.
https://www.prudential.com.my/en/our-compan...cashback-craze/
If still got extra budget then only add CI, CI got too many kind with different pricing , for example 50k crisis guard CI is different with 50k TMCC CI.

50k Crisis Guard CI --> add another RM 6 per month
50k Crisis Care CI --> add another RM 9 per month
50k Total Multi Crisis Care CI --> add another RM 15 per month
*disclaimer price check from prudential system as of 3rd Sept , actual precise pricing please refer to agent quotation before payment.

This post has been edited by ping325: Sep 3 2021, 02:51 AM

each policy can have different type of under writing and exclusion , generally if you have the digital copy of policy
search these keyword for exclusion and read thru all the words if you want to understand more
1.drug
2.suicide
3.pandemic
4.bungee / sky diving / skydive
5.dangerous
6.crime

This post has been edited by ping325: Sep 11 2021, 11:24 PM

Actually , as long as still in malaysia and not migrating out.
It is the best to keep the policy forever.

For example my parent purchase prudential ILP for me 20 years ago...until today i still keeping it.
I performed some upgrade by adding coverage that i needed and remove those i not needed.
Anytime i want to adjust the policy details is possible. i forsee my policy can keep until 70 years old.

If i terminate it and buy new policy again .
It is generally more expensive + some benefit which only available on old policy is not longer valid on new policy


However you can add policy on top of it , for example buy one prudential , buy one AIA .
Or buy two AIA , if keep terminate and buy new policy....no point doing that

Thats why you see most of the wealthy people , they purchase multiple policy , some up until 10 policy also have , diversify


This post has been edited by ping325: Sep 13 2021, 06:15 PM

haha , i forgot to write add on previous post regarding medical card.

It is advisable to only get one good medical card only. No need buy two cards from two different provider.
But life , accident , CI , saver can top up thru purchasing additional policy if got offer.

This post has been edited by ping325: Sep 13 2021, 06:41 PM

Nowadays , covid and vaccine campaign t&c keep on revised
better to check all insurer official website everyday for latest info haha

This post has been edited by ping325: Sep 16 2021, 09:37 PM