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

Well i haven't got my policy yet, probably by next week i suppose

from my understanding, the 600k is medical coverage such as hospitalization, specialist treatment, surgery etc

is it a good plan? is the coverage for my medical reasonable ?

Care to elaborate more about R & B?

It have cash value as saving plan, hospitalization, room

Thanks a lot !

They requested me to do a basic checkup prior approve my policy.
But they already deducted the money lol.

Will provide more info once I got the policy

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

Hmm I call the callcentre and they seem confused about this too.

I'm being deducted rm180 on 6/9, which is one month installment.
I even got a receipt via post from prudential

My agent told me they will deduct another rm180 once approved. N if approved, the first installment is processing fee.
Otherwise, if reject they will send me cheque.

I find this quite weird too

Thanks a lot. Indeed very useful info you provided over there

Back to your question, the doctor confirm my weight for 82kg n 173cm. So the agent made some amendments after the correction.
The reason they opt me for checkup is I have gout history even its rare attack. 3 to 4 mth pain once on the feet. It's been stopped since last year but i declare anyway as advised by agent
Another thing would be post traumatic injuries on my right wrist. I have chronic pain due to hamate bone bruises since 6 months back and still following up with doctor. This is all under my company insurance.

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...

Hmm I guess I need to wait till my policy approve n see how the charges goes ...


Kinda hard to get a real good agent as stated by you lol.
Some of them can't even explain or describe in detail when I questioned them