I already put the tabaru' for Takaful Health TH400 in my earlier post. I put it again here:


And this is insurance charges for PHL400


To get more detail, you better go visit a Pru agent. You can get more clear picture and better explanation on your query. For you

For your info, PRUlink One is a new ILP product from Prudential. Has been in the market since 16/08/2010

There are lots of PRUlink version and Medical Card (was known as PMM), going back to Nov 98.

Starting PMM3 (01/10/2003), there is an introduction of co-insurance
Starting PMM4 (09/04/2007), can opt for new rider to extend coverage until 80 years old
Starting PMM5 (15/10/2008), Prudential medical card starting having a minimum of RM500k lifetime limit. Previously the maximum lifetime limit was RM450k
PRUhealth was introduced on 08/06/2009 with an introduction of No Claim Bonus. Can opt to cover until 100 years old. Can opt for Annual Limit Waiver (No annual limit)

Hope this clarify some of your concern.

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Added on November 1, 2010, 12:50 am

PRUlady still available.

You can have most of PRUlady benefit to be attached to PRUlink One (via PRUessential lady rider)

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Added on November 1, 2010, 1:01 am

The idea is there.

But the actual medical card cost is not RM4582 (based on current charges). The cost is RM2000 when you are 53 years old (refer my posted table for PHL400). So the balance RM274 (RM 2000 - RM1726) will be deduct from your units (aka unit trust as MNet refer).

If you do not have enough units, you can top up your premium just like that without increasing any other benefit when you are 53 years old. So your annual premium got additional RM 274.

You may not have enough units if (but not limited to):
1. You are selling your units
2. Your unit's price at that time is very low compare earlier to purchase price

There are few to overcome unit price lower compare to purchase price.
1. Switch fund to bond fund. Bond fund usually will not be negative.
2. Sell the units while it high and you keep it in saving that will not reduce its value.

You are losing your rational, if things really happen, I guess you will think differently.
How old are you when the time they increase? I think you reach another group range of age. If you premium is paid annually, it does make sense.

30-34
35-39
40-44
45-49
50-54
...

Your policy don't have the price table?

You may get medical card from other insurance company but don't cancel your current first. Keep it until the waiting period (if any) of new medical card is over then only cancel it.

It is true that different companies offer different medical cards, different 36 CI coverage and different Cost of Insurance (COI). However there is no best company out there, it still boils down to what a person needs.

Agent's commissions now are all listed in the actual quotation from these respective companies. You can obtain these from the respective agents.

Also COI cheaper is only applicable to ILP plans only as all companies charge cheaper in ILPs.

I have a list that compares all the CI coverage for a few major companies. This is only intended to be comparison - and it might contain NOT so Updated info. If you guys would like to see, I will upload up. It is not intended to show which company is good or bad coverage.

However come back to Allianz, everything is good, except that we do not have Lady Illness policy where AIA, PRU, GE and ING has. So it really comes back to what people want.

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Added on March 21, 2011, 4:51 pm

There is no one insurance company in M'sia that has guaranteed premium on the medical card or CI. It is subjected to the insurer's decision to raise or decrease by giving 90 days written notice to policyholders.