Category Archives: Financial

Kenapa Pentingnya Medical Card

Medical card penting untuk kehidupan?

Pada hari ini kita sedang dan masih dikejutkan dengan kedatagan wabak yang telah pun meragut nyawa lebih 400 ribu penduduk dunia. Selepas negara China, Italy menunjukkan angka yang besar dalam peningkatan infeksi dan kematian. Sekarang kita sedang berdepan dengan hakikat bahawa Malaysia, sebuah negara yang kita sayangi berdepan dengan wabak yang sangat merbahaya ini. Jumlah kematian setakat hari ini telah mencecah 24 orang manakala yang terinfeksi sudah mencecah lebih 1700 orang.

Kita sudah melihat contoh bagaimana sikap acuh tak acuh dan tidak kisah orang Italy telah menyebabkan negaranya sedang dalam keadaan yang sangat getir sekarang.

Anugerah Plus Infographic - Kenapa Pentingnya Medical Card

Akan tetapi ramai juga di antara kita rakyat Malaysia yang masih mengamalkan sikap ini yang menyebabkan angka infected person dan kematian terus meningkat. Justeru itu tidak hairanlah juga jika kita nanti mengalami nasib yang sama seperti Italy.

Tetapi apa relevannya topik kita hari ini dengan kisah wabak pandemik yang sedang kita hadapi sekarang.

Secara umumnya apa yang kita lihat hari ini kebanyakkannya lahir dari sikap tidak ambil kisah. Walaupun maut sedang memperlihatkan kedatangannya tapi ramai juga yang masih tidak mengambil peduli. Begitulah juga kaitannya dengan hakikat kehidupan kita hari ini yang masih ramai lagi bersikap tidak ambil peduli tentang pentingnya perancangan kewangan terutamanya dalam menghadapi waktu getir dalam sebuah kehidupan.

Dalam kita menjalankan perintah kawalan pergerakan atau erti kata lain kita berkurung di dalam rumah, pernahkah kita terfikir bahawa kita akan mengalami situasi seperti ini? Semua orang tidak akan dapat menjangka bila musibah akan menyapa.

pru value med medical card - Kenapa Pentingnya Medical Card

Menyediakan Medical Coverage atau perlindungan perubatan takaful adalah antara salah satu cara untuk seseorang membuat persiapan dalam menghadapi waktu getir yang sememangnya tidak dapat dijangka.

 Dalam waktu begini, kita melihat ramai yang sedang di dalam kebimbangan dengan serangan covid 19. Saya tak nafikan saya sendiri merasakannya.

Persoalannya sekarang bagaimana pula dengan sakit kritikal yang lain? Adakah dengan datangnya covid 19 akan menghentikan masalah-masalah kesihatan yang lain?

Kanser, kegagalan buah pinggang, strok, demam denggi, kencing manis, darah tinggi, serangan jantung, banyak lagi jika ingin disenaraikan di sini.

Bagaimana pula dengan mereka yang mengalami kemalangan? Semua perkara seperti ini adalah perkara2 yang tiada siapa tahu, bila dan bagaimana. Tetapi satu yang sepatutnya menjadi kepastian adalah persediaan dalam menghadapi perkara seperti ini.

Sikap tidak ambil peduli atau tidak kisah seperti mana yang kita lihat yang menyebabkan meningkatnya kes Covid-19 di serata dunia hari ini sepatutnya tidak kita ulangi dalam konteks kehidupan kita.

Begitulah juga sikap tidak ambil peduli tentang perancangan kewangan keluarga antaranya tentang hibah dan menyediakan perlindungan perubatan untuk diri kita dan orang yang kita kasihi seharusnya tidak lagi menjadi amalan dalam masyarakat yang lebih intelektual hari ini.

Frontliners kita di hospital-hospital kerajaan sedang bertungkus lumus berjuang dalam menangani pesakit Covid-19. Apa salahnya sekaranglah masanya kita meringankan beban mereka sementara masih berkelayakkan memohon perlindungan perubatan, mengapa kita lengahkan?

Sekurang kurangnya jika menghadapi masalah kesihatan yang lain di masa hadapan, kita tidak perlu hanya bergantung kepada hospital kerajaan yang sudah semestinya sentiasa padat dengan masalaah masaalah yang lebih kritikal. Kenapa perlu hanya bergantung harap sedangkan kita mempunyai pilihan?

Pru BSN impian Infographic - Kenapa Pentingnya Medical Card

Untuk itu saya mencadangkan agar kita menjadi orang yang sentiasa peduli dan ambil kisah terutamanya tentang persediaan diri sendiri dan keluarga tercinta terutamanya dalam meghadapi hari-hari sukar. Menyediakan perlidungan takaful atau medical card adalah salah satu bukti bahawa kita peduli dan sayang pada keluarga kita. Saya percaya sebagai bread winner dalam sesebuah keluarga tiada seorang ayah atau ibu pun yang ingin melihat anak-anak atau pasanganya sakit dan saya percaya jika SAKIT itu tetap menjadi salah satu perancangan tuhan untuk kita atau keluarga kita, tentu kita akan berusaha untuk pulih semula. Tetapi kos untuk pulih jauh lebih mahal dari kos seorang yang sihat. Itulah pentingnya medical card dalam kehidupan kita.

Online Application - Kenapa Pentingnya Medical Card

Jangan berlengah lagi dapatkan lebih informasi dari kami. Enrolment untuk medical coverage kami di Prudential juga sudah boleh dibuat secara online sahaja. Kita tak perlu berjumpa di dalam tempoh ini tetapi kami akan hantarkan penerangan dan menjawab soalan anda melalui phone call/whatsapp atau video call.

Amirol Ariff Nazarudin – 0122234676

Zetty Zahrina – 0122736836

Atau lebih mudah tekan saja link whatsapp dibawah:

http://www.wasap.my/60122234676/medicalcard

http://www.wasap.my/60122736836/medicalcard

#StayAtHome

#JadiOrangYangPeduli

Pru Value Med. Say farewell to annual medical limit!

pru value med medical card - Pru Value Med. Say farewell to annual medical limit!

 

We all know just how crucial medical care is in today’s world and the need for healthcare becomes even more paramount as we age. With the escalating cost of healthcare, have you ever wondered if you are able to safeguard yourself against any uncertainty and insufficient savings for healthcare?

Wouldn’t it be great if there is a medical plan that not only promises you a lifetime of assurance for all your medical needs, but also helps you save with more benefits?

Introducing PRUvalue med, a medical plan that combines extraordinary values and savings. With PRUvalue med, you will never have to choose between your health and finances as your healthcare needs are what matters most to us. Get MORE with PRUvalue med.

 

What is PRUvalue med?

PRUvalue med is a regular premium investment-linked medical rider that reimburses medical expenses incurred in the event of hospitalization and for outpatient treatment.

All insurance provider have their own medical plan with Medical Card. But PRUvalue med not just another medical rider plan which cover your hospital expenses (Medical Card).

 

Why PRUvalue med so special?

 

PruValue Med does not have any annual limit for your hospital bills. YES! NO MORE Annual limit like other medical card plans out there.

Other than that, the PruValue Med minimum cover is RM 1,000,000.00. No joke people, that is the minimum cover that the company is offering to you Malaysia.

Yet still, 1 million is still a capped amount. What would happen if the 1 million is finished? No worries! your medical card will cover 80% of any medical expenses after your selected medical cover is finished.

Finally a worry less medical card which covers you even though your limit is finished. You don’t have to worry anymore on how much the hospital will charge your bill and you will not have to worry anymore on how much your medical limit is left.

Act fast!

Call me NOW for free quotations and explanation regarding the plan!

012-223 4676  Amirol Ariff

012-273 6836 Zetty Zahrina

pru value med prudential medical card - Pru Value Med. Say farewell to annual medical limit!

 

 

Call Me Now.

012-223 4676 Amirol Ariff

012-273 6836 Zetty Zahrina

The Reason Why I Need Insurance….

My Client’s confession……

Here I list down five main reasons why I bought an insurance and why everybody should have one too. P/S: I am not trying to sell anything here, just stressing out something important that everyone should know.

  1. For My Own Protection – When I was about to resign from my job, I was thinking, what if I suddenly had a serious illness or involved in accident and not able to work and earn any income? what will happen to me? Yes, I still have my family, but would it be fair to burden them? Would I want to burden them? I am not married, so I cannot be asking help from my husband. Will I have enough savings for the treatment and those health related matter? Will I trouble my parents and siblings for that? Sometimes, these thought made me having sleepless nights. With an insurance policy, at least I am covered for my illnesses with adequate financial support for any expensive treatment.
  2. For My Savings – I am a business minded person which means that I am very calculative when it comes to my money but there are times that I spend money just to make myself and people who surrounds me happy. Yes, I do have my own savings in the bank and in mutual funds but with insurance, It’s another medium for me to force myself into saving a few hundred bucks monthly by contributing to my insurance premium and one thing for sure, by receiving my yearly account statement, I know where my money goes too.
  3. For My Investment – Partial of my premium will be invested into selected funds with a handsome return that you can’t resist. Absolutely a great way to have extra money and it is safer too as insurance minimize the risk factor on your investment.
  4. For My Retirement – With the hope that everything goes well without me making any major claims or withdrawals, I can retire early and receive my investments and live in Paris with my cats.
  5. For My Future – When I learned that your premium increases together with your age, I realize that I really need to have an insurance coverage as early as possible. I do not want to wait until I have my own family or other big financial commitments in life as by then, the premium to start an enrollment for my insurance will be very high and insurance company have the rights to rejects or excludes applications with health problems. Among all of the above, the main reason why I decide to take up an insurance coverage is still based on the first reason which is PROTECTION. In case of any accidents or serious illnesses, there will be a strong financial support for myself and my family.

 

PRUlink million

Introducing the New Pru Link Million….!

prulinkmillion - PRUlink million

Investment Linked Plan – Everyone is a Millionaire.

An exclusive regular premium investment-linked insurance plan that provides you with a high coverage of RM500,000 and above, and safeguards what is important to you and your loved ones.

prulinkmillionfeatures - PRUlink million

Introducing Prudential PRU88 !

PRU88

In celebration of our 88th Anniversary, we would like to present this SPECIALLY designed insurance plan that is SIMPLE, EASY, AFFORDABLE and provides you with Guaranteed Cash Payment and Maturity Benefit. The Guaranteed Cash Payment and Maturity Benefit will sum up to 100% of your total premium paid at the end of the policy period.

A SIMPLE, EASY and AFFORDABLE life insurance plan just for you…

This limited pay non-participating plan provides guaranteed cash payments payable via cheque at the end of the 5th, 10th and 15th policy years.

Grab this golden opportunity now because this product is only available for sale until 31 December 2012.

Premium Payment Term 10
Coverage Term 20
  Age Next Birthday Basic Sum Assured
Death / Total Permanent Disability (TPD)* 1-44 RM20,000
45-55 RM12,000
Accidental Death* / Accidental TPD*  1-44 RM80,000
45-55 RM48,000
Guaranteed Cash Payments   5th policy year RM500
10th policy year RM1,000
15th policy year RM1,000
Maturity Benefit   RM8,060
Surrender value will be payable upon policy surrender. We will pay you the surrender value according to monthly premium mode and refund any unearned premiums for other premium modes (yearly, healf-yearly and quarterly). Please refer to the Product Disclosure Sheet for the amount of surrender value.

* expires at age 70

How much do I need to pay and how do I pay my premium?

You are only required to pay RM88 per month. Premiums can be paid yearly, half-yearly, quarterly or monthly via Auto Debit, Credit Card, Cash or Cheque.

The premium that you have to pay according to the different premium frequencies are as follows.

Premium Frequency RM
Monthly 88
Quarterly 264
Half-Yearly 528
Yearly 1,056

Anyone between the ages 1-55 years on their next birthday can puchase PRU88.

pru881 - Introducing Prudential PRU88 !

PRU88 is another special product that meets your financial goals. Grab this golden opportunity now because we will only offer this product for a limited period!!

Prudential PRUlink equity fund and PRUlink dana unggul (Syariah complianceEquity Fund) March 2010

Prudential PRUlink equity fund  and PRUlink dana unggul  (Syariah compliace Equity Fund) March 2010

Prudential PRUlink equity fund

prulink equity fund 10032010 - Prudential PRUlink equity fund  and PRUlink dana unggul  (Syariah complianceEquity Fund) March 2010

PRUlink dana unggul

dana unggul 10032010 - Prudential PRUlink equity fund  and PRUlink dana unggul  (Syariah complianceEquity Fund) March 2010

More fund click here

Britain’s Prudential to buy AIA for $35.5 billion

britains prudential to buy aia for 35 5 billion111 - Britain's Prudential to buy AIA for $35.5 billion

Prudential taps Asia sovereign funds over AIA deal

British insurer Prudential is tapping sovereign wealth funds in China and Singapore to help finance its 35.5 billion dollar buyout of US insurance giant AIG’s Asian arm, a report said Tuesday.

The Financial Times quoted unidentified sources as saying that Prudential and its advisers were in talks with the sovereign wealth funds to support a planned 20 billion-dollar share offer for AIA.

It said the Singaporean and Chinese sovereign wealth funds had not made a final decision but their response was positive.

Singapore’s Temasek Holdings and China Investment Corp (CIC), among the region’s major sovereign wealth funds, would not comment on whether they had been approached by the British insurer.

“It is inappropriate for us to comment on market speculation,” a spokeswoman for Temasek Holdings said in a statement to AFP.

A CIC spokeswoman said the fund has seen the newspaper report but added it was company policy not to comment on rumours.

Asked about its market strategy, the CIC spokeswoman said: “As an investment institution, we make financial portfolio investment and seek medium- to long-term, risk-adjusted returns at a reasonable level. These have been the principles we always follow.”

Prudential on Monday agreed to buy AIA for 35.5 billion US dollars in the insurance sector’s biggest ever takeover.

The acquisition of AIA will transform Prudential into the world’s top non-Chinese insurer by market capitalisation, ahead of major competitors Allianz and AXA.

Under the acquisition terms, the British firm will pay AIG 25 billion US dollars in cash and the remaining 10.5 billion US dollars in new Prudential shares and other securities.

The Financial Times said Prudential is planning a rights issue of 20 billion US dollars, giving existing shareholders in the British insurer the right to buy the shares first.

Should the shareholders decide not to take up the offer, the sovereign wealth funds will then invest in the offering, it said.

Prudential’s group chief executive Tidjane Thiam said that Asia is the “most attractive opportunity in our industry today”, partly because of the region’s strong savings habits.

“Asia is the engine of the group’s future growth, particularly the fast growing economies in Southeast Asia,” he said.

“Asia is complex, dynamic and exciting, and its economies differ significantly, with varying levels of economic development, from the OECD members, Japan and Korea, to the fast growing markets of Southeast Asia, such as Indonesia and Malaysia.”

Sales in Asia already make up half of new contracts for Prudential across a number of countries including China, India, Indonesia, Malaysia and Thailand. The company also has a strong presence in Britain and the United States.


Source

Britain's Prudential to buy AIA for $35.5 billion

britains prudential to buy aia for 35 5 billion1 - Britain's Prudential to buy AIA for $35.5 billion

Prudential taps Asia sovereign funds over AIA deal

British insurer Prudential is tapping sovereign wealth funds in China and Singapore to help finance its 35.5 billion dollar buyout of US insurance giant AIG’s Asian arm, a report said Tuesday.

The Financial Times quoted unidentified sources as saying that Prudential and its advisers were in talks with the sovereign wealth funds to support a planned 20 billion-dollar share offer for AIA.

It said the Singaporean and Chinese sovereign wealth funds had not made a final decision but their response was positive.

Singapore’s Temasek Holdings and China Investment Corp (CIC), among the region’s major sovereign wealth funds, would not comment on whether they had been approached by the British insurer.

“It is inappropriate for us to comment on market speculation,” a spokeswoman for Temasek Holdings said in a statement to AFP.

A CIC spokeswoman said the fund has seen the newspaper report but added it was company policy not to comment on rumours.

Asked about its market strategy, the CIC spokeswoman said: “As an investment institution, we make financial portfolio investment and seek medium- to long-term, risk-adjusted returns at a reasonable level. These have been the principles we always follow.”

Prudential on Monday agreed to buy AIA for 35.5 billion US dollars in the insurance sector’s biggest ever takeover.

The acquisition of AIA will transform Prudential into the world’s top non-Chinese insurer by market capitalisation, ahead of major competitors Allianz and AXA.

Under the acquisition terms, the British firm will pay AIG 25 billion US dollars in cash and the remaining 10.5 billion US dollars in new Prudential shares and other securities.

The Financial Times said Prudential is planning a rights issue of 20 billion US dollars, giving existing shareholders in the British insurer the right to buy the shares first.

Should the shareholders decide not to take up the offer, the sovereign wealth funds will then invest in the offering, it said.

Prudential’s group chief executive Tidjane Thiam said that Asia is the “most attractive opportunity in our industry today”, partly because of the region’s strong savings habits.

“Asia is the engine of the group’s future growth, particularly the fast growing economies in Southeast Asia,” he said.

“Asia is complex, dynamic and exciting, and its economies differ significantly, with varying levels of economic development, from the OECD members, Japan and Korea, to the fast growing markets of Southeast Asia, such as Indonesia and Malaysia.”

Sales in Asia already make up half of new contracts for Prudential across a number of countries including China, India, Indonesia, Malaysia and Thailand. The company also has a strong presence in Britain and the United States.


Source

Prudential Malaysia Co-insurance / Co-takaful

prudential malaysia coinsurance cotakaful - Prudential Malaysia Co-insurance / Co-takaful

Prudential Medical Plan which is PRUhealth or Major Medical Cover (Prudential BSN Takaful) is subject to co-insurance or co-takaful.

What is co-insurance / co-takaful?

Co-insurance / co-takaful is a cost-sharing arrangement under which the policyholder pays a specified percentage of the cost of an eligible benefit. The remaining balance is paid by the Company.

How much is Prudential Malaysia co-insurance / co-takaful?

Hospitalization

10% co-insurance with minimum RM300 and maximum RM1000.

Example,

Hospital bill RM2000 – 10% co-insurance is RM200 – NO as minimum RM300 – Total payment is RM300

Hospital bill RM5000 – 10% co-insurance is RM500 – Total payment is RM500

Hospital bill RM50,000 – 10% co-insurance is RM5000 – NO as minimum RM1000 – Total payment is RM1000

Outpatient

10% co-insurance with maximum RM2000.

Other insurance company didn’t charge co-insurance or given smaller scale of co-insurance?

The answer is YES. But please aware that , other insurance company will charge you 20% co-insurance if you are not following the room plan.

Prudential Malaysia co-insurance is simple and pure. 10% co-insurance / co-takaful with minimum RM300 and maximum RM1000. No other small clause and conditions.

For example below is room plan for PRUHealth.

pruhealth plan - Prudential Malaysia Co-insurance / Co-takaful

If you are subscribing for PRUhealth 200 Plan, you are entitle for RM200 room.

Example,

You are taking RM200 room exactly as in plan.

Hospital bill RM50,000 – 10% co-insurance is RM5000 – NO as minimum RM1000 – Total payment is RM1000

You are taking RM220 room

Hospital bill RM50,000 – 10% co-insurance is RM5000 – NO as minimum RM1000

7 days in hospital x RM20 (extra room price) = RM140

Total payment is RM1140

But above is not applicable to another insurance company

If you are subscribing for Medical Plan which you are entitle for RM200 room.

Example

You are taking RM200 room exactly as in plan.

Hospital bill RM50,000 – 100% paid by insurance company (NO co-insurance)

or

Hospital bill RM50,000 – 10% co-insurance is RM5000 – NO as minimum RM500 (Smaller scale 10% co-insurance with maximum RM500)

Total payment is RM500

You are taking RM220 room

Due to not following the plan, you be charged with 20% co-insurance

Hospital bill RM50,000 – 20% co-insurance is RM10,000 Total payment is RM10,000!!!

Prudential Co-Insurance is honest and transparent.

Prudential Malaysia co-insurance is transparent and declared in our brochure. Potential customer aware of this co-insurance before signing up.

With 10% co-insurance with min RM300 and max RM1000 is the best! We are not charging you extra because of not following the plan.

The truth is, you will never follow your plan.

You are signing up insurance for your medical protection as long as possible. You need it now and you need it 5 years and 10 years later.

How possible the room price RM200 today will be remain the same price at 5 years or 10 years later?  You know price of everything increased everyday.

If you are not with Prudential, please prepare with 20% co-insurance with no maximum limit. This is what you want? The insurance company declaring NO co-insurance up front but the small details, you will be charged 20% co-insurance if not following the plan.

It would be great if no co-insurance at all.

Before 2003, Prudential Malaysia medical card is without co-insurance. Since 2003, Prudential medical card is subject to co-insurance under advised of Bank Negara Malaysia.

Dont worry about Prudential Malaysia co-insurance.

We reward you with Hospital Allowance RM250 per day if you are admitted to hospital.

RM250 x 7 days  = RM1750. Pay RM1000 for co-insurance and you take RM750 to your pocket.

Other insurance companies also giving Hospital Allowance, what is the different?

Prudential Malaysia policy holder is entitled for Hospital Allowance when they are admitted into PRIVATE and GOVERNMENT hospital.

Other insurance company giving hospital allowance only if you are admitted into GOVERNMENT hospital. The question here is, what is the purpose of rewarding the policy holder if they are admitted to GOVERNMENT hospital only.

We all know that, we are having Medical Card, so we have good treatment and service in PRIVATE hospital and insurance company pay the bills. Why need to go GOVERNMENT hospital when you are having a medical card?


Why should you invest your EPF (KWSP) into Unit Trust

kwsp epf investment in unit trust21 - Why should you invest your EPF (KWSP) into Unit Trust

EPF (KWSP)  for retirement usage

EPF (KWSP) is for your retirement usage. Thus you must be careful in your financial planning to ensure you have a good life in retirement. But, investment of EPF into UNIT TRUST doesnt effect your financial planning but give you more profitable return.

To invest in Unit Trust with EPF scheme, the fund taken from account one. Account one, the fund that you cant touch until your retirement day at 55. The only way you use it is by transfer it into approved Unit Trust investment.

The fund from your Account One directly transfer into your choice of Unit Trust fund. This Unit Trust fund cant be withdraw until age 55. As conclusion, the fund still secure until your retirement time.

Be a smart Malaysian!

The option to transfer your EPF fund to approved Unit Trust must be use by all of us. EPF gives you 4% investment return per year but Unit Trust gives you at least 12% investment return per year.  School kid at instance will know which one is better.

How much can I withdraw from my EPF(KWSP)?

You cant transfer all of your EPF fund into Unit Trust. How much? Please click here for the calculation. I wrote the post in Malay. Please let me know if you want me to translate it in English.

What are you waiting for?

Maximize your EPF fund now! Dont wait next year or next 5 years. Every year you will gain profit. Start now. How to invest?

Contact me now

Zetty , Prudential Wealth Planner.

moz screenshot 1 - Why should you invest your EPF (KWSP) into Unit Trust