Dear PJusa,
Thank you for sharing about the HS plans and hope you could help enlighten on the following as I'm not so familiar with HS despite having a basic HS plan with Prudential.

TM seems to be a good package. However, when I spoke to the staff this morning, I was made to understand that once a claim is made in a particular year, the following year premium may be subject to "loading".

From your understanding, is this a minus point as compared to HS plan tied to ILP that is apparently 'fixed'?

I have bought PMM3 and thinking if it would be cost beneficial to upgrade to PruHealth (with extra premium of RM670+) or it would be more worthwhile to take TM Medi Plus instead.

However, my concern is the loading factor (despite the fact that they allow automatic renewal).

Kindly advise. Thanks!