It’s been a while since I update any post on this site due to hectic year due to my promotion for Unit Manager title, Star Club trips and other short trips with prudential…but I will update more new post around this 1 or 2 weeks….
Have you read PRUearly start / PRUbest start brochure? Check on infant coverage for congenital illnesses. Do you understand the medical term?
I also didn’t understand all of the medical term. To aid my presentation and help my client to understand, below are the compilations of PRUearly start and PRUbest start Congenital Illnesses Definition with Diagram / Pictures.
1.Congenital Deafness
Loss of hearing present at birth.
2. Congenital Cataract
A congenital cataract is clouding of the lens of the eye, that is present at birth.
3. Anal Atresia
The anus is either not present or it is in the wrong place.
4. Congenital Diaphragmatic Hernia
A diaphragmatic hernia is a birth defect in which there is an abnormal opening in the diaphragm, the muscle that helps you breathe. The opening allows part of the organs from the belly (stomach, spleen, liver, and intestines) to go up into the chest cavity near the lungs.
5. Infantile Hydrocephalus
Build up of fluid inside the head during infancy, leading to enlargement of the head. Hydrocephalus means “water on the brain.”
6. Tetralogy of Fallot
A birth defect of the heart consisting of four abnormalities that results in insufficiently oxygenated blood pumped
to the body.
7. Transposition of Great Vessels
A congenital heart defect in which the two major vessels that carry blood away from the heart — the aorta and the pulmonary artery — are switched (transposed).
8. Truncus Arteriosus
A rare type of congenital heart disease characterized by a single blood vessel arising from the right and left ventricles,
instead of the normal two (pulmonary artery and aorta).
9. Atrial Septal Defect
A congenital heart defect in which the wall that separates the upper heart chambers (atria) does not close completely.
10. Ventricular Septal Defect
A congenital heart defect in which one or more holes in the wall that separates the right and left ventricles of the heart.
Sign up PRUmy child plan with me today! and get yourself free PRUmychild T-shirt for your love ones. *while stock last
Email me your info for quotation
PRUmychild (before birth)
1. Name of Mother
2. Date of Birth (Mother)
3. Smoking or not
4. Annual Income
5. Contact Number
6. Location
7. How many weeks of pregnancy?
8. Expected Delivery Date
9. Budget monthly (RM100 and above)
PRUmychild (after birth)
1. Name of Father/Mother
2. Date of Birth Father/Mother
3. Smoking or not
4. Annual Income
5. Contact Number
6. Location
7. Date of Birth Kids
8. Budget monthly (RM100 and above)
or.
Get yourself PRUmyChild Board Game if you sign all family plan with me
You can take up this plan for your unborn child as early as 18 weeks into your pregnancy. Why as so early? Because PRUmychild is the only insurance plan covering congenital conditions.
Protect your loves one by sign up for PRUmychild with PRUearly start / PRUbest start.
PRUearly start / PRUbest start covers
Child Care Benefit
1. Hospitalisation of child due to Congenital Conditions – Reimbursement
of hospitalisation claims up to RM25,000 annually (up to age 2 years)
You can take up this plan for your unborn child as early as 18 weeks into your pregnancy. Or after birth, 2 weeks after birth. Protection to 100 years old
Takaful Cerdik
You can take up this plan for your child as early as 2 weeks after birth. Protection to 25 years old
Protection and education for your child. On top of that, you could also enjoy these tantalising goodies:
* 1st 200 PRUmy child policyholders receive a free voucher each
* 1st 2000 PRUbest start policyholders enjoy a free smock each.
* Newborn babies receive FREE Personal Accident coverage
Interested?
Please email me as below
PRUmychild (before birth)
1. Name of Mother
2. Date of Birth (Mother)
3. Smoking or not
4. Annual Income
5. Contact Number
6. Location
7. How many weeks of pregnancy?
8. Expected Delivery Date
9. Budget monthly (RM100 and above)
PRUmychild (after birth)
1. Name of Father/Mother
2. Date of Birth Father/Mother
3. Smoking or not
4. Annual Income
5. Contact Number
6. Location
7. Date of Birth Kids
8. Budget monthly (RM100 and above)
PRUmy child is a regular premium investment-linked insurance plan that serves to fulfill
the protection needs of you and your child, allowing you to plan ahead for their
future… today.
What are the benefits available in this plan?
For the child
Should the unfortunate happen to your child, such as death, the benefit payable is the:
• Sum assured & total value of units in the account1
Should your child suffer from Total and Permanent Disability (TPD):
(a) before the age of 16 years, the maximum sum assured is payable (subject to RM500,000 per life); or
(b) after age 16 years but prior to age 70, the maximum sum assured is payable (subject to a total of RM4 million per life)
In the event of TPD, the sum assured is payable subject to a maximum lump sum of RM1 million upon claim. The balance of the sum assured will be paid upon the first anniversary of the TPD. Upon earlier death, the balance of any sum assured will be paid immediately.
Upon maturity of plan
Value of all units in the account is payable when your child reaches the age of 100
years on their next birthday.
Upon surrender
Value of units in the account at the point of surrender.
For a pregnant mother
It’s never too early to start protection with PRUearly start or PRUbest start benefit that offers Child Care Benefit and Pregnancy Care Benefit for pregnant mothers and their unborn child.
Please refer to the PRUearly start / PRUbest start Leaflet for further details
Who can take up the PRUmy child plan?
You can take up this plan for your unborn child as early as 18 weeks into your pregnancy, or for your child who is between 1 – 18 years of age on his / her next birthday. The parent, who must be between 18 – 60 years old, owns the policy and is able to adapt it as they see fit for the benefit of the child.
How long do I need to pay premiums for?
Premium is payable throughout the whole policy term until the expiry of the policy. Upon expiry of any optional or add-on benefits, the premiums will be reduced accordingly.
How can I enhance the coverage of the PRUmy child plan?
With additional premium, you can extend the PRUmy child plan beyond the ordinary by attaching any of the following optional / add-on cover that will insure your child and loved ones against unexpected events:
Critical Illness Cover
Takes care of your child in the event they are diagnosed with critical illness, including child-specific illnesses under the new PRUessential child1 rider that covers them up to the age of 25 years next birthday.
Payor Cover
Pays for your plan in the event of death (if applicable), TPD before age 70 or critical illness.
Accident Cover
Comprehensive coverage for injuries due to accident.
Health and Medical Cover (PRUhealth)
Takes care of major medical bills in the event that your child needs surgery or outpatient treatment and if he or she is hospitalised.
How do I start building my child’s education fund?
You can attach either PRUsaver kid or PRUedusaver where the premiums will be invested in our series of PRUlink or PRUlink education funds.
Is PRUmy child eligible for tax relief?
During childhood
As a parent, you should be entitled to education tax relief on premiums paid for PRUedusaver, PRUsaver
kid or Parent Payor. Furthermore, premiums paid for PRUfamily income, PRUfamily double income and PRUessential child may also qualify for tax relief.
During adulthood (Above age 25 at next birthday)
Your child will be entitled to life / medical tax relief upontransfer of ownership.
PRUmy child provides you a peace of mind knowing that all you hopes, wishes, and dreams for your child are well secured. It gives you:
# First-of-its-kind plan that offer cover during pregnancy and infancy period
# A complete protection for every stage of your childs life even before birth
# Provides additional protection for parent to ensure child will continue to enjoy uninterrupted protection and benefits should unfortunate event happen to the parent.
# Plant a seed towards secure education fund for your child
*coming soon
To request the brochure, please click → Leave a Comment below and state your request
1. Full Name
2. Date of Birth
3. Smoking or not
4. Annual Income
5. Contact Number
6. Location
7. Married/Single
8. No of kids
9. Occupation
10. Travel a lot?
PRUMyChild Plan
1. Name of Mother
2. Date of Birth (Mother)
3. Smoking or not
4. Annual Income
5. Contact Number
6. Location
7. How many weeks of pregnancy?
8. Expected Delivery Date
9. Budget monthly (RM150 and above)
Get yourself covered today!
Simple Tips
PRUmychild RM150 monthly
PRUmychild plan with PRUearly start
Sum Assured : 50K
Critical Illness compensation : RM50K
PRUhealth Medical Card plan PHL100
Savings is flexible age 18 ada RM33K or continue to age 30 ada RM73,802K. Wow !
How to know which insurance company is the best?
Dont ask me, I will tell you Prudential of course. Drive and go to your nearest preffered hospital. Ask them, they are more credible to give the answer. I'm confidently sure they will say Prudential :)
Cheapest Medical Card Plan
Cheapest medical card plan is around RM100 per month for adult.
Start your Retirement Fund Today
As low RM100 per month. Save your money for secure income in future
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Wealth Planner
Suite 302
Block A,
Lobby 1,
Level 3,
No. 1 Jalan SS 20/27,
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47400 Petaling Jaya,
Selangor Darul Ehsan, Malaysia.
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This is not the Official Website of Prudential Assurance Malaysia Berhad.
This is the personal blog of Zetty Zahrina Zahar and Amirol Ariff Nazarudin, Prudential Wealth Planner, Damansara Intan Office.
Prudential Assurance Malaysia Berhad is an indirectly subsidiary of Prudential plc, a company incorporated in the United Kingdom. Neither Prudential Malaysia Assurance Berhad nor Prudential PLC is affiliated with Prudential Financial Inc, a company whose principal place of business is in the United State of America.