Hmm but RM50K. After hospitalization, won't left much for you to recover.

Why do you get 2 medical card from the same company amounting to 1Mil i/o 1 medical from the same company amounting to 1 Mil?

If not mistaken now Prudential's medical card highest limit is up to 1.5 Mil.

If you take 2 different company's medical card, it is more logical. In case Insurance Company A cannot claim, then claim Insurance Company B.

Anyway, what's your room&board daily limit?

When future premiums waived means PRU already paying for your premiums.
Example:
Father pay for Son's policy, premium 100/month.
Father had heart attack.
Pru will pay the premium 100/month, father do not have to pay any more. Hence considered waived.

What you're telling me if I'm not mistaken is that,
Pru will pay the premium 100/month AND another 100/month towards saving.

Do correct me if I'm wrong.
Or any other Pru agent here can clarify?

true, quite a handful ppl are burn by ILP, mostly due to their initial greed accepting high return figures during sales stage ...

Here is my situation :

1) <30 years old
2)My company will provide medical benefit until my retirement for our family (56 years old)
3)Currently have no major illness
4)My worried is after retired if i still with this company i will not be cover anymore and by that time it maybe too late for me to buy medical insurance as it will not cover any illness that i already have.

My question is :
1)What i need to do?Should i buy medical insurance now?
2)If yes, what type of medical insurance should i buy?My oficcemate bought a medical insurance with Prudential with RM150+ per month.He inform me this is investment link policy.Should i follow him?I don't have a good knowledge and experience with medical insurance buy i really plan to buy one for our family but don't know what to chooose.I surf Prudential and Great Eastern benefit but there is not enough information given there.
3)Some of my friend there is a lot of hidden clause in the medical insurance policy.Is it true?For e.g. insurance company change the clause without informing us such as room eligibility, and etc...
4)Which insurance company i should choose?From the blog i heard people said that Prudential is one of the best
Appreciate any reply...Thanks....

Hi,

How many medical card can holding by every individual?

In your case you are holding 2 cards. Its there any alternative, can we choose to upgrade room and board on the exisitng medical plan?

Anyone with PruHealth?

I was at SCB and bump into a friend who was working there. She intro me a Prudential insurance agent. Im not into buying insurance for myself just yet. Its for my newborn baby.

Im quite tempted as the RM200 package covers 75k per annum with a lifetime of 750k upto 24years old. NCB at RM300 per year. It also include an investment savings of RM50 per month. The NCB will be credited into the investment savings as well. The investment savings can be withdraw anytime but not till 0. CI and TPD can be adjusted accordingly. Even include insurance that will pay itself if Im dead or my wife is dead. In the event of both parents also dead, one will be used to cover the premium and another will be credited into the investment savings account.

Good bor?

i'm quite slow.

wat is Tabaru ? is it unit trust?

wat u mean?

Is this wat u mean

RM4812 - RM 1813 = RM 2999

RM 2999 will be deducted from my unit trust?

Prudential and ING are both thinking of disposing off their interest in Asia, noth companies are indebted to their government due to expensive funding last year when they almost collapsed. Future is not certain. If another insurer takes over, the pool of available reserves may be 'kosong' - surplus from many years of doing business for that class without making losses. If reserve banyak, Bank Negara allow them to reduce premium, it is a premium maintenance requirement - complex unless you understand what BNM requires from insurance players in Malaysia.

Takaful is not part of PIAM or LIAM - it is a standalone and complain to BNM maybe a bit susah when you think you kena tipu. Big companies have international support where any treatment/drugs/expertise can be outsourced to a parent company in UK, USA or Germany. Takaful unfortunately doesn't have this.

why not PRU or ING? just wondering.

Im kinda new to insurance thingy.
Anyway, I have submitted for prudential yesterday to my friend's agent. Its consider all in one inclusive cash value for saving term.

Basically, Im paying rm180 per month and as I remember, the 36 critical illness is rm40k, lifetime is 600k+, annual is 50k , and saving cash value allocation is rm52 per month

Just wonder is it a good plan & feel free to comment

THanks

Just curious if there is such processing fee during sign up insurance?

For my case, I apply via my friend agent and submit via auto debit from cc. Few days later, prudential deducted my rm180 on 6/9/11

Later on they need my medical checkup n some report.
It's been delay till now n pending for approval.

My problem is I'm curious why they deduct my money since my policy not approve yet?

Let say my policy approve on next 1/10, prudential will deduct rm180 frm me again.
Then what about the rm180 they deducted on 6/9 ?
So meaning the rm180 from 6/9 to 1/10 is processing fee?
This is what been told by my agent, not sure how true

Can anyone advise?thanks a lot

Well my main concern is actually how the payment works.
As per your advise, let say the 1wt installment is commence once my application approved, they should not deduct me again once got approve right?
Next payment should be one month thereafter, for my 2nd months onward...

I think different

Presently tax relief is:-

Life Insurance & EPF = RM6,000
Medical & Education Insurance = RM3,000
Annuity = RM1,000 now increase to RM3,000

Please understand that tax relief is only an incentive to invest and protect your self

People who are serious about wealth creation and protection can achieve
more with proper information and planning even without this incentive

What about Pru Retirement?

You pay for 25 years then they pay you annually after that for 15 years.

Can it be considered as annuity scheme?

Thanks Bro.

Pru Retirement Reward is an annuity scheme

Any Prudential agents can give me facts what was their past performances in unit trust funds?

Are they  good?

Thanks

Prudential policy documents look professional.

So maybe can take Pru retirement as retirement backup.

Any suggestions rather than this?

Thanks

can send me proposal or suggestion for myself,

27 years (dob : 23-02) , smoker ,  male , Cyberjaya (Sel) , IT field

budget : below RM 150 per month

prefered:
medical + PA + life + TPD + CI
not yearly renewable
limit or as charged per case
no co insurance
thansk you

Hi, I am looking for my first medical card. 26, female, non-smoker. Anyone can give me a quote?
-Cashless
-No Co-Insurance
-Guarantee renewal

im looking for my first medical card as im just married.i dont know anything about medical insurance but i know its important nowadays.what i want is the medical insurance can cover me and my wife(does it exist?) and can help me for my future baby birth(hospital charge for labor). price range 150-200 monthly. noob here