PRU LIFE UK

[hakunamatata]

Ano po ang selling proposition ng Pru Life UK?

Yung tipong kapag namimili between different insurance companies, ito ang winning factor ng Pru?

In addition to sa mga inputs nila they are the pioneer in VUL here in the Philippines and they have the longest experience in insurance with over 167 years since 1848. 

[crzysxycl]

hi sisses! may nakapag claim na po ba dito for hospitalization? how much po ang pwede maclaim per day and gaano katagal ang process? also, may deadline po ba submission ng docs? thanks!

[thisxx]

@crzysxycl
Hello sis, Hospital Income ranges from 1k to 5k a day depende sa nasa policy mo

[smm_0411]

Hi sisses, which one is better, PAA or exact protector 15? Ok din ba na may LCB rider? Or much better na kumuha ng separate health plan like from Axa?

[tzr]

sis @thisxx

what's included in the 5 year policy that you got and how much yung premiums? may riders na ba na included yung sayo?

[thisxx]

@tzr

Hello sis, yung 5 years to pay ko is intended lang for savings lang talaga, so ang rider lang na nakalagay is the default one, the TPD (for disability) and LCB (for critical illness). I pay 78++ monthly. (may butal kasi hehe)

@rhian31

it will be better if I can asses muna bago ako magbigay ng recommendation.

[izabelle]

Second policy ko is whole life (PAA+) Ayoko to nung una kasi nga habang buhay ka babayad, pero naisip ko kasi, why give myself a limited time to save? eh so far, i am pleased with my five years to pay. If ever kasi matapos na yung una, kung kukuha ako ng bagong policy, I will be 5 years older and the benefits will be more expensive, so I got a whole life plan.

Same here and same thoughts...

Dapat 10 yr plan lang kukunin namin pero naisip namin ni hubby why namin lilimit? e dapat naman talaga nagsasave kami hanggang sa tumanda na kami.

[angel..]

Hi guys, maybe you can recommend an agent from PRU? Someone who really knows his products and customer oriented. I'd like to do a meet up this weekend sana 

[cancercrab]

Hi sisses, which one is better, PAA or exact protector 15? Ok din ba na may LCB rider? Or much better na kumuha ng separate health plan like from Axa?

Hello sis. Depende po sa goal mo.  Si exact protector ay kung may pinag-iipunan ka (meron 5,7, 10 and 15 years).. This is good for child's education.

Kung trip mo lang na halimbawa 10 years lang gusto mo magbayad, pwedeng pwede . Tapos ayaw mong galawin si policy, at least protected ka parin, at lumalaki si fund value mo. May deductions dahil may insurance charges parin .

Suitable si PAA for long-term (retirement). Yung tipong Over 20 years 

About LCB as rider, yes. Hindi natin alam kung kelan strike si critical illness. Walang pinipili yan . Cover til age 70. AXA yata is til 100.. but not sure about the other benefits though.


Hope this helps
God Bless

[crzysxycl]

Hi sisses. Ask ko lang kung may nakapag claim na sa pru life ng hospitalization. Gaano po katagal ang processing? Ang sabi pa sa amin kailangan ng annual physical examination results from 2010-2014. Ang OA lang, wala naman kasi magiging basis doon kung sakali dahil ulcer ang sakit ng asawa ko. Usual tests lang naman ginagawa during APE are urinalysis, CBC, fecalysis and chest xray. Plus, company paid yung expense for this kaya ayaw din magbigay ng employer ko ng copy ng APE results. Kainis lang kasi ang hirap naman pala mag claim, sa SSS nakuha na namin pero itong sa Pru Life pahirapan pa.

[onlytechgirl]

^hi sis, hospital income ba yun claim mo? tsaka when niyo nakuha yun plan with hospital income. Hospital income kasi is reimbursement, ang idea nito is to cover sana yun daily income ng insure dahil hindi siya nakapagwork due to illness and confinement, meaning dapat naconfine si husband at least 24 hours.

Basic Requirements:
1. Claimant's Statement
2. Attending Physician statement
3. Duly Certified statement of account of hospitalization
4. Admission and discharge summary
5. Original receipts for surgical expense benefit claims

tsaka may 30 days waiting period from the date na na-approve yun plan mo. baka may nakita kasi sila subject to contest. na-assist ka ba ng agent mo?

[glysolid_clarins]

hello sisses!..eyeing on this company to apply for insurance+investment na product nila..magpapa-set pa ako ng meeting with an agent..can you please tell me anong maganda nilang product for this?at may plan din ba sila na kasama ang hospitalization?thanks.

[crzysxycl]

^^1yr na yung account namin sis. Hospitalization rider ata tawag nila. 3 days naconfine asawa ko, sayang kasi pambawi man lang sa binili na meds, at may ginawa pa kasing procedure sa kanya na di nacover ng card namin, mahal din kasi. Tama sis, yan lang din sinabi ng agent namin na requirements at nasecure namin yan. Then itong claims processor ng pru life, daming hiningi. Pati previous consultations daw. Hello, pag nagpa consult ka ba as out patient bibigyan ka ng history etc etc, parang abstract, hindi naman diba? And sabi ng agent, pwede namin email yung processor, kasi finorward nya sa amin yung email na ganun nga ang sabi. So nag email asawa ko, tinanong nya kung anong pwedeng alternative docs ang dapat submit kasi nga di namin mabibigay hinihingi nya. At sinabi rin nya wala naman makikitang basis don, sakit sa bangs. So pano yun, sorry nalang? Nakakainis lang kasi ang bilis pag magbebenta ng account tapos pag mag claim pala aabutin ng syam syam.

[mxherr5]

Is this the rider where you are given some amount per number
of days confined?

Wow! seriously? Eh kung out patient lang, normally reseta lang
makukuha mo.

I personally think this should be the agent's responsibility.
The agent should ask you for a list of documents, you send
back those you have on hand and wait for the claims process
to be completed by your agent.

[crzysxycl]

^yes, may certain amount per day. exactly my point, reseta lang binibigay pag out patient. yun na nga eh, nagulat ako sa agent kasi sabi nya pwede naming iemail yung processor. Nag reply asawa ko sa email mismo ng processor, on cc si agent. Gets ko naman point nya, wala naman sya magagawa diba kung yun ang hinihingi ng processor. Nakakainis kasi nasubmit naman yung mga sinabing requirements tapos dami pang additional na hindi ko makitaan ng dahilan para hanapin nila. Gang ngayon di pa sumasagot ang pru life about this. ayaw na nga ituloy ng asawa ko yung monthly premiums nya dahil sa inis. Pwede pa kaya makuha yun? Lipat nalang kami sa iba, kaka badtrip eh.

[queenteaser]

Okay kaya yung investment nila na 100k?

[onlytechgirl]

^hmmm, pag Hindi mo tinuloy hindi na mababalik yun payments mo, sayang naman sis dahil lang sa incident na yan. 1 year na lang matatapos na rin contestability period mo.

[crzysxycl]

^thanks sis! hay, so no choice pala. sana gawan nila ng paraan, pwede ba mag raise ng concerns sa kanila? tinatanong pa nga namin kung hanggang kelan pwede magpasa ng docs, july pa kasi nagkasakit asawa ko. within the month nakapag submit kami ng requirements pero natagalan dahil nga dito sa hinihingi nilang additional requirements.

[hakunamatata]

hi sis queenteaser maganda sya if you will do top-ups din kasi mas malaki ang ROI mo if you do top-up. more on investment type sya kaunti lang ang portion nya for insurance.

[glysolid_clarins]

paano po yong sa initial investment na 100k?at ano yong top-ups po doon?sorry hagilap mode pa ako ng magagandang points about the company to further convince me to apply sa pru.