MNet,

I never said RM4812 - RM1813 - RM2999 and this RM2999 will be deducted from your takaful link funds. Looks back from the earlier post.

What Colaboy means, let's say you sign up at age 23, your premium for Takaful Health RM1813 remains the same until you are 70 years old.

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Added on October 29, 2010, 8:49 pmNot really. The figure show how much you need to pay annually to PruBSN Takaful to enjoy Takaful Health benefit. The amount is based on entry age and it remains until your age is 70 years old.

This post has been edited by ajau: Oct 29 2010, 08:49 PM

I'm confuse now.

First you said,paid only RM1813pa if only there enough fund to for Tabaru.

What if there not enough fund? how much need to add?

You will be advised if your fund is not enough.

Same applies to other medical plan.

Takaful operator or insurance company will give you 90 days written notice if there is any increase of premium/charges/tabaru'

So within the account have 3 sub acc?

1 for Tabaru

1 for Unit trust/takaful link

1 for insurance premium

When pay RM 1813 then it will split to 3 sub category?

For Takafulink, there are 3 accounts:
1. Participant's Unit Account (PUA)
2. Individual Special Account (ISA)
3. Investment Unit Account (IUA)

RM 1813 will go to ISA
You need to buy basic plan which is Takafulink. The contribution will go to PUA
If you have Takaful Saver, it goes to IUA.

Takaful Health has No Claim Bonus. This bonus will go to IUA

Can post the SS for insurance charge per annum for medical card for Pru health and Prubsn takaful health ?

Its look like this

i was told that it is better a pure protection( either a medical card or PA /CI protection) rather than buying a rojak insurance( invesment linked).
Anybody have the idea of MXM insurance? i heard it is under pathlab and the medical card is better compared to buying a rojak insurance? any idea?

Yah

I still figure out how much they allocate the premium to unit trust and protection insurace.

Well, nobody can really tell you what is good or bad for you. It all depends on what you think is best for you and your family.

For my case, I have Prulink medical cards for my family (or rojak insurance as you refer to it). Well I have a good news to share with you, with the market on current bull run, if I were to sell the units today I would basically would have gotten "free" medical coverage for the past years (actually I have cash out some of my units and combined with existing units, the total monetary value is more than what I have paid for premiums and that's not inclusive of the tax rebate). Now the downside is if the market collapse, then my units would also be worth less. Its is about timimng and choosing the fund type when going for Investment Link Insurance and got to cash out as the market never goes up forever.

Beside the so called "free" coverage above, for my wife case, she had to go for operation 3 months back and the entire cost of the operation (plus consultation a month before and after the operation totaling close to RM1K) was covered and on top of that got few hundred ringgit for being hospitalized.

Considering the matters mentioned in the above 2 paragraphs, I think the rojak insurance is pretty good.

For information to all the girls out there, my wife also have another insurance policy called Prulady where my agent also managed to claim close to RM8K for her (without us asking the agent to do so), so basically got more than I have paid for her past premiums.

Since u buy pruhealth i wan ask something.

They say the premium is fix for example when u enter it at 23yr old(RM 1726) then even when u at 51 yr old(RM4582) u also pay RM1726.

Can i believe the agent?

But i don't feel the way as they told me.

Below is what i feel is correct,

If you want to maintain pay RM1726 when u are 51 yr old then the balance RM2586 (RM4582 - RM1726 =RM2586 ) will be deduct from ur unit trust.

Is my thinking correct?


http://flare.me/images/qniortmx.jpg

Bro, my is Prulink, old policy but yes the premium is fixed until expiry. If you refer to the table you posted, do note it states "AGE OF ENTRY" and not "Premium at Age". Therefore the premium is fixed.

However do not that the policy you posted expire at age 70. I think GE got one until age 100. Better start looking at other policies. If you read my previous post, I have upgraded my policy to age 80 and the total lifetime amount but got to pay more in premiums. Since the average lifespan of Malaysians have increased to past age 70, you should seriously look into a policy that covers you up to no less than age 80.

So ur pruhealth is attach to pruone plan?

since when u buy pruhealth?

Mine is Prulink which is no longer offered by Prudential. Now Prudential is offering PruHealth. I got no idea what is PruOne.

when u buy it?

ur prulink is medical card + unit trust = ILP ?

How much premium u pay 1 yr?

Bro, did you actually read the first two pages of this thread? I have posted info you asked above. Since then I have upgraded my Prulink policy to expire at age 80 (from 75) and paying about RM380/month now. My children policies remain the same and paying same premium since first day.

As for your case, my history is of no importance because now the policies offered are different e.g. mine has no co-insurred but Prundential new policies have it and CI coverage may be different.

It is best you talk to agents from different companies and even from the same companies as each of them can give you many different options. When you go to talk to an agent, tell them how much you want to pay a month, example RM200/monthly, They can show you the different options on their notebook but sure we will forget so better get them to email you the different options in pdf format for you to relook into it. The more agents you talk to, you will learn something.

Like I said, do consider a policy that expire at age 80 instead of 65 or 70.

This post has been edited by Gen-X: Oct 31 2010, 04:35 PM

For goodnees sake,stop calling me "bro".

How u feel if ppl call u "sis" but the fact is u is male ?

Most of the company will be "If you want to maintain pay RM1726 when u are 51 yr old then the balance RM2586 (RM4582 - RM1726 =RM2586 ) will be deduct from ur unit trust."

Most company is what company name?

As long as it is ILP,
the cost of insurance and premium is not guaranteed.
when your cost of insurance > premium, it will definetly call for top up or consume part of your fund..

btw, pardon us because we do not know that you are not bro, sis..

So i need to ask to check out the insurance cost per year such as this?

http://flare.me/images/kjkgn0z1.png