OVERVIEW OF PRU FLEXI MED

1. What is PRUflexi med? (updated 20/02/2012)
PRUflexi med is a comprehensive medical plan that allows customers to customize the benefits to their individual needs and budget. It is a regular premium investment-linked medical rider that reimburses medical expenses incurred in the event of hospitalization that comes with the following features:

• 112 combinations to choose from – PRUflexi med gives you the flexibility to choose your preferred level of coverage. Pick from 7 Hospital Daily Room & Board Allowance and 16 Annual Limits options, then create a plan to suit your needs and budget!

• Hospital Daily Room & Board Allowance – If you are staying in a room & board that is lower than your chosen Hospital Daily Room & Board Allowance, we will pay you the difference in cash as an allowance. What’s more, this benefit will not reduce your Annual Limit!

• No more BILL SHOCK! – You can choose the ZERO deductible option and need not share out on eligible cost when you are hospitalized! You can also opt for a PRUflexi med plan with a minimal fixed deductible of RM300 for lower premium.

• High Lifetime Limit at 20 x Annual Limit – PRUflexi med lets you claim up to 20 times your Annual Limit per lifetime.

2. What are the basic plans that can attach PRUflexi med? (updated 20/02/2012)
PRUflexi med is attachable as a new medical plan or second medical plan on PRUlink one and
PRUlife ready.
Attachment to previous versions of investment link plans (4PAA, 5PAP, 6PAP, 7PAP) will be available at a later date, which is to be advised. The rider is currently not available in juvenile plans, traditional policies, ULP and bancassurance policies until further notice.

3. How do we select PRUflexi med benefits? (updated 20/02/2012)
Customizing PRUflexi med to your customer’s need is as easy as 1, 2, 3 & 4!

Step 1: Decide on your Hospital Daily Room & Board Allowance amount.
Choose the amount of Hospital Daily Room & Board Allowance to cover for your accommodation in a hospital.

Step 2: Decide on your Annual Limit amount.
Set the amount of Annual Limit which you will be covered for every year. This is the maximum amount of total costs of eligible benefits (excluding the cost of daily room &
board) that will be paid by Prudential every year for your hospitalisation and surgery bills.

Step 3: Decide on your Deductible amount.
Choose the amount of deductible that suits your preference – zero or RM300 deductible.

Step 4: Decide on your benefit term.
Choose the age to which you would like to be covered until from a choice of 70, 80, 90 or 100 years old.

Interested? Kindly email me at panama_09@yahoo.com

Sir, I hold an endowment policy from Great Easrtern and will mature in another 4 yrs time. I would like to know that if instead of taking the sum insured can I renew the said policy for a further say 5 yrs maybe.

Being a single mother and with my low income I want something that can save me some money with paying a low premium too.

Actually looking for a part time job but also checking if this can work, I mean renewing the policy.

Please email your contact to insurance@kclau.com to schedule an appointment with one of my trusted associates.
Thanks

i would like to find is there a product of insurance which cover an endownment and medical.but more to any endownment plan.with a low premium?

Selva

For your case, I would like to advise you to go for ILP for your wife and son protection. the early you buy for them the cheaper the premium for yearly.

Please contact me at annie_smiley2000@hotmail.com for further detail.
Thank you.

For further detail, you can contact me at annie_smiley2000@hotmail.com
Thank you.

The insurance company underwriters will request info from your attending doctor to make decision. You can try to apply to see what is the result.

If this is the first policy you buy, I would recommend to have a combination of Investment-linked protection plan plus a traditional 36 critical illness plan.

Contact me at insurance@kclau.com for further discussion.

I am 34 years old. Married with no children. A healthy non-smoking female. I am doing my annual medical check-up every year. I am looking for a insurance that will protect my future earning ability, medical and savings. What insurance would you recommend with the annual premium of RM2000 that fits my age group and profile?

Looking forward for your reply.

Thank you.

ht tp://www.smartmoney.com/personal-finance/insurance/term-or-whole-life-8011/

May choose to have protection at your own needs. Protection plan at 2 years, 5 years, 12 years, 18 years, 22 years, 30 years ..etc

I like yearly renewable term insurance plan which is very attractive & cheap. Level Term insurance plan is fixed premium cost for number of years protection.

have a great day.

For male age 30 years old ( non- smoker / drinker ), level term insurance plan for 25 years old for RM300K plan ( c/w 36 critical illness ) cost less than RM1K yearly.

For yearly renewable term insurance plan for RM300K plan ( c/w 36 critical illness ) , it cost about RM 250 .. As the age increase (mortality risk) yearly, the yearly premium will increase accordingly too. BUT still very cheap compared to ALL-IN-ONE-PACKAGE.

Have a great day.

Get high protection payout for beneficiary and cheap premium. Go Google search website and look for Term Insurance ..

Have a great day.

i need to know , can i take a insurance if i had a pacmaker to treat my slow heart beat.