Sorry to disturb your discussion guys,

My opinion to Q1;
I don't think the calculation would be that way.

FYI, R&B is not affected neither annual limit nor lifetime limit nor co-insurance . So, refer to your e.g, I think it'll be this way:

Scenario (taken from PH150 entitle RM62,500 annual limit)

R&B (Additional): RM50 x 60 Days = RM3,000 (pay separately)
Surgery etc = RM80,000 - RM62,500 = RM17,500 (You Pay)
For co-Insurance (10%):
= RM62,500 x 10% = RM6,250
~however, the max limit of co-insurance that you have to pay is only RM1,000, the remaining RM5,250 will be absorbed by Insurance.

So, the total amount that you have to pay is:
=Addititional R&B + Over Annual Limit + Maximum Co.Insurance
=RM3,000 + RM17,500 + RM1,000
=RM21,500

Say, if the 80K is within annual limit:
Than you have to pay is only:
=Additional R&B + Maximum Co.Insurance
=RM3,000+RM1,000
=RM4,000


Respond to Q2,

My answer is YES.
In PRUHEALTH plan, you can include few allowance /riders in your plan such:
1. Hospital Benefit (Min RM50/day & Max RM400/Day)
2. PRUMED ~ every unit consist of :
a. HB = RM50/day
b. ICU = additional RM100/day
c. Surgery = can claim for surgery up to RM2,500 per event, whereby can claim up to 5 times a year @ RM12,500/year)

or you take PH300 that cover:
1. R&B = RM300/Day
2. Annual Limit = RM100,000
Life time Limit=RM1,000,000
3. If you're healthy, PRU rewards you back with No Claim Bonus of RM400 every healthy year.

Yes HH...a is true,

It depends on your needs, risk tolerance and budget.

Some tips:

Go to your nearest hospitals and ask them the Hasle-Free Insurer (Insurance Company) especially on admission and claim, surely they'll share with u the best deal.

Then, get 2nd opinion from friends, family etc

But, don't drag too long. There are 3 type of people who want to buy insurance:

1. They have UNDERSTANDING, AWARENESS & KNOWLEDGE about it.
2. They have GOAL in life ~ maybe for emergency case.
3. They faced the IMPACT / CRISIS

The 3rd one ~ can't take it forever. Too deep analysis will paralyze your decision. Don't put you into risk of people type 3.

Yes chew_ronnie is right...if you attach to Investment Linked then you'll get some return but its not guaranteed.

However, if its from PRU i.e PRUHEALTH 200, you don't use it at all for 20 yrs, then you can get NCB (No Claim Bonus) RM300 on yearly basis. So, you can get RM6,000 for 20 yrs period (Guaranteed) + your linked investment value (Non-Guaranteed).

The idea is PRU pays you when you're sick and reward you if you're healthy.

Bro. i my understanding for PruHealth Co-Insurance for out-patient is only 10% with max of RM2,000.

And then, it is better because there's no limit amount for that treatment. If you're afraid of high bills, then go for high coverage.

About the NCB, think on the bright side, So far only Prudential is doing that. Some of the competitors also have the co-insurance, however there's no return bonus yet. On the co-insurance matter, Pru still can be covered by some riders like HB (up to RM400 per day) or PruMed

Yes i agree on the price differences (PH is higher than PMM5). However, that's only an option to client. Either they upgrade or maintain the PMM5.