wmafendi.com

IT PAYS to regularly review your medical insurance policy as this is one way of ensuring you are adequately covered, advises Mohd Del Mustafar Azlan, executive wealth manager of Prudential Assurance Malaysia Berhad.

“The majority of us recognise the importance of regular health checks but when it comes to keeping tabs on our insurance needs, we usually put this off or don’t see the importance or urgency.

“Many tend to think what they have is enough. However, what they don’t realise is that with healthcare costs continuing to increase, chances are the medical policies that they purchased years ago may no longer be sufficient to meet current as well as future needs,” he says.

Mohd Del Mustafar Azlan.

As such, he suggests that Edward Lee and wife Vivienne Ngiu take time to re-evaluate their existing medical plans and consider upgrading if the need arises.

“Both first bought their medical policies more than 10 years ago. They have not reviewed their coverage since. I would strongly encourage them to do that now.

“It is very important for Edward and Vivienne, who are self-employed, to insure themselves adequately, so that they will never need to fork out their own money for medical bills,” adds Mohd Del.

For couples like Surin Jesuthasan, his wife Irene Lim, and Edward and Vivienne, who are conscious about their physical wellbeing, Mohd Del believes that they will find Prudential’s latest medical plan appealing.

This is because PRUhealth comes with a unique feature called No Claims Bonus, which gives them up to RM500 in bonuses per annum when they do not make any medical claims during a year. “Quite simply, PRUhealth rewards you for staying healthy and at the same time, helps take care of your medical bills when you are not,” he says.

Available as a rider to be attached to the investment-linked plans sold by Prudential – PRUlink assurance plan or PRUlink education plan – PRUhealth covers you up to age 100 for medical expenses incurred on hospitalisation, surgeries or outpatient treatment due to sickness or accident.

It is also probably the only medical plan in the market that gives you the option to remove the annual claims limit to enjoy enhanced protection.

For more information, visit www.pruhealth.com.my or call 1800-222-778.