prulink assurance plan
过时了吗？有比这个跟好的吗？
ChaosChaw 发表于 22-3-2012 08:08 PM 
PRUlink Assurance Plan( RM 230.00 per month )
Basic Benefit Death Benefits RM 50,000.00 PRUdisability Plus Benefit **SeeAnnexure**
Optional Benefit Accidental Death & Disablement RM 20,000.00 Multiple Crisis Protector RM 50,000.00
Add-On Benefit Weekly Indemnity 4 unit(s) Accident Medical Reimbursement RM 2,000 Hospital Benefit RM 200 per day PRUmed 2unit(s) Enhanced PRUpayor Basic RM 2,760 p.a. PRUhealth 200
请问这保单是否不够好了？ 我看见这个， PRUflexi med!!! drool.gif
*112 combination
to choose from your preferred level of coverage. Pick from 7 Hospital Daily Room & Board Allowance
& 16 Annual Limit options from RM50,000 up to RM200,000, then create a plan of your own
*Hopital Room & Board Allowance
If you are staying in a lower R&B than your chosen Hospital R&B Allowance, we will pay you back the difference in cash
as an allowance. Will not effect your Annual Limit!
*NO More BILL SHOCK!
Zero deductible & pay nothing when you are hospitalised or you can opt for deductible RM300 with a minimal fixed fees!!
*High Lifetime limit at 20 X Annual Limit (Highest in the market!!)
*90 days for Pre hospitalisation & 90 days Post hospitalisation for out-patient treatment!!
*NO Hidden Clauses / Charges for Outpatient Cancer Treatment or Outpatient Kidney Dialysis. Upgraded R&B
for additional co-insurance of 20% up to the 1st RM15,000!
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New Critical Illness rider ==> Crisis Defender & early Crisis Protector
CD is an optional benefit that is designed to pay lump sum benefit upon diagnosis of any of the 36 critical illnesses.
Any claims on this benefit will not affect your basic plan coverage.
ECP is an optional benefit under CD that provides Early Stage Critical Illness Benefit & Special benefit thumbup.gif
It's listed as below:
Low Severity : 30% of ECP sum assured
Medium Severity : 60% of ECP sum assured
Special Benefit : 10% of ECP sum assured
Assuming a client with CD RM200,000 & ECP RM100,000:
1st claim) Stage 1 Hodgkin Disease, (cancer) Low Severity
We will pay RM30,000 of the ECP amount.
The remaining amount ECP is RM70K for future higher or different category claim.
CD remaining amount is RM170K.
2nd claim) Organ Transplant, (transplant) Medium Severity
We will pay RM60,000 of the remaining amount of ECP.
The remaining amount ECP is RM10K for future higher or different category claim.
CD remaining amount is RM110K.
3rd claim) Heart Attack, (36 CI) HIGH Severity
Amount payable is RM110,000 the remaining amount of CD 可以upgrade 的吗？ | 
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发表于 25-2-2012 12:25 PM
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