Currently, review my policy since had endorsed last 2017, single, non-smoker, work in IT section, 35 years old

RM220 per month
PRULink Assurance Plan MYR 30,000.00
Accident Medical Reimbursement MYR 2,000.00
Accidental Death & Disablement MYR 20,000.00
Crisis Shield Plus MYR 20,000.00
Enhanced PRUPayor Basic MYR 2,616.00
PRUMed 1 unit(s)
PRUValue Med MYR 200.00 (Room & Board)
PRUValue Med - Med Saver/Deductible MYR 300.00
PRUValue Med - Med Value Point MYR 1,000,000.00
Weekly Indemnity 2 unit(s)

My agent proposes an upgrade to PruMiliion

PRULink Assurance Plan MYR 30,000.00
Accident Medical Reimbursement MYR 2,000.00
Accidental Death & Disablement MYR 20,000.00
TMCC MYR 50,000.00
Enhanced PRUPayor Basic MYR 2,616.00
PRUMed 1 unit(s)
PRUmillion MYR 200.00 (Room & Board)
PRUmillion - Med Saver/Deductible MYR 300.00
PRUmillion - Anual Limit MYR 1,38m
RM350 per month

She also propose to me the " I help you, you help me " plan which is to surrender my old one, make a new policy ( premium cheaper, more benefit ), I do not yet receive the proposal, stay tune..

That one million in a lifetime, enough to cover the medical cost?

This post has been edited by wong_86: Aug 30 2021, 01:49 PM

If I apply a new policy, surrender old one after one year. The agent got the commission after that, while new policy's premium and benefits are cheaper and good compare to the upgrade policy.

But after reconsider, I decide to upgrade the current policy due to below,

If I apply a new one, there are things to do.

1. underwriting
2. Waiting period 4 months
3. contestable period 2 years.

I don't want to risk it, especially current pandemic situation.
Just stick to the old policy and upgrade it.

thanks the advise , bro

Yeah, my Pru Link assurance was purchased in 2009, already 12 years, I just upgrade the medical card and add TMCC, make my life easy.
My 2 cent la, buy or upgrade insurance when you can afford it, for future protection

This post has been edited by wong_86: Aug 31 2021, 10:41 PM

Question, if upgrade from existing medical card Prumed (2009-2020) to Prumillion, is there still required 120 days waiting period? Within this period, is there any coverage?

Now the proposal approve and endorsement issued, but i didn't declare 2019 and 2021 blood test result, i need to concern ?

This post has been edited by wong_86: Oct 7 2021, 02:52 PM

@ping325, ok bro, forgot to mention, i also add one TMCC inside policy.
Anyway , thanks for all the advise.

This post has been edited by wong_86: Oct 8 2021, 10:35 AM

i'm in JB, too far to attend, interest to dicuss one pair glove can cost you a leg.