Tag Archives: Kad Perubatan

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

Prudential gives cover compensation for Covid-19

90078411 2790978321021762 3035501439624413184 o - Prudential gives cover compensation for Covid-19

To all Malaysian’s,

Through this tough time, Prudential Malaysia is compassionate to give all Malaysian an option for a peace of mind. Our company is committed to give our very best to support all Malaysian by extending our coverage for Covid-19 pandemic.

For all of our existing policy holders and new customers who intend to purchase a coverage plan with us, we will give a lump sum compensation of RM5,000 upon the diagnosis of this treacherous plague. Plus, we will expand our coverage immediately for any medical and hospitalization for Covid-19 treatment.

Also through the advancement of our Pulse mobile app, healthcare assessment will be more quicker and accessible through the consultation of our panel of online doctors via Doctor on Call and all of this in the comfort of your own home.

Don’t forget that our new more affordable medical card series are now as low as RM100 per month*

ACT NOW! avoid future financial burden and get yourself COVERED!

Enquire within, contact us now!

012 223 4676 – Amirol Ariff

https://wa.me/60122234676?text=PrudentialCOVID-19

012 273 6836 – Zetty Zahrina

https://wa.me/60122736836?text=PrudentialCOVID-19

*subject to gender, age, smoking status and profession

Accidents

img 11808494078773 - Accidents

Take the responsible step, get yourself protected.

Call NOW for free quotation from plans ranging from Life Protection, Personal Accidental Plan, Medical Cards, Education Fund, Retirement Fund, Critical Illness Plan and Many more.

 

Call NOW for details:

Amirol Ariff 012-223 4676

Zetty Zahrina 012-273 6836

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.

 

NEW!! PruClinic Care Card………………….

pcc eng 1 - NEW!! PruClinic Care Card......................

PRUclinic care

A medical card that gives you the basic healthcare that you deserve.

What is PRUclinic care?
PRUclinic care is a regular premium investment-linked medical rider which covers medical expenses incurred at any of our panel general practitioner clinics.
Benefits:
  1. Great convenience – With so many panel clinics nationwide, you’ll always find a clinic near your area! Please click here to locate your nearest clinic.
  2. Cashless claims process – Making a claim has never been easier. Using this medical card, your visit to the panel clinic to completely cashless – no coinsurance or deductibles!
  3. High benefit amount – PRUclinic care covers your medical cost at any panel GP clinics for up to RM1,500 per year!
  4. 24-hour support – our dedicated call centre is available 24 hours a day, 7 days a week.
How can I take up PRUclinic care?
You can take up PRUclinic care when you purchase any of our PRUhealth or PRUflexi med plans.
How long is this benefit valid?
PRUclinic care will cover your clinical needs for two years. Premiums are payable throughout the duration of the plan.
Who can Apply?
This plan is for those who are aged between 1-60 years old next birthday.
How much premium do I need to pay?
Please refer to the table above for our affordable premiums!
pcc eng 2 - NEW!! PruClinic Care Card......................

Introducing Pru Flexi Med!

pruflexi med - Introducing Pru Flexi Med!

PruFlexi Med Schedule of Benefits

Hot off the shelf, Prudential recently launched its latest medical rider, PruFlexi Med, that can be attached to PruLink One or PruLife Ready investment-linked policies. PruFlexi Med is another alternative medical plan to the existing PruHealth medical rider. In fact, both PruHealth and PruFlexi Med are pretty similar in terms of coverage.

So, what is PruFlexi Med medical rider all about? The list below briefly summarize the features of this new medical rider:

  1. Highly customizable medical plan to suit your medical needs – in terms of the daily room & board rate and annual limit.
  2. No co-insurance, but can opt for zero or RM300 deductible.
  3. No more 10% payment/penalty if exceed room & board (R & B) rate – if you stay in the room with higher than your R & B rate, you only need to top up the difference. If you stay in a room with lower R & B rate, Prudential will reimburse you the difference.
  4. Lifetime limit = 20x annual limit.
  5. If compared to PruHealth, PruFlexi Med has higher ICU coverage (60d) and pre-hospitalization treatment days (90d).

pruflexi med benefit - Introducing Pru Flexi Med!

Simplified as below:

Schedule of Benefits: PruFlexi Med
. Type of medical plan: ILP Medical Rider
. Room rate: To be decided on purchase.
Min: 100/d (can increase multiple of 50/d)
Max: 400/d
. Room & Board (R & B) (days) 120
. ICU (days) 60
. Pre-hospitalization Treatment (days) 90
. Post-hospitalization Treatment (days) 90
. Emergency Accidental Out-patient Limit 2% of annual limit
. Emergency Accidental Out-patient (days) Subject to annual limit
. Home Nursing Care 180 days/lifetime. As charged.
. Kidney Dialysis As charged
. Cancer Treatment As charged
. Miscellaneous Highly customizable plan.

If you stay in a room with lower R & B rate, the difference will be refunded to you.

If you stay in a room with higher R & B rate, you just have to pay the difference.

. Annual Limit Min: 50,000 (can increase multiple of 10,000)
Max: 200,000
. Lifetime Limit 20x annual limit
. Co-insurance No co-insurance, but can opt for zero or 300 deductible

Prudential Malaysia Critical Illness Claim – Kidney Failure

prudential malaysia crisis cover income1 - Prudential Malaysia Critical Illness Claim - Kidney Failure

RM50,000 Critical Illness claim due to kidney failure. Plus, receiving RM5000 income yearly under Crisis Cover Income protection.

Here the cheque proof.

prudential malaysia critical illness claim rm55k - Prudential Malaysia Critical Illness Claim - Kidney Failure

Plus! The insurance premium is waived under PRUpayor protection plan. Policy holder waived from paying the premium until age of 80. You got the protection but no more payment taken from you.

prupayor prudential malaysia - Prudential Malaysia Critical Illness Claim - Kidney Failure

PRUhealth. Medical Card Plan up to 100 years old

an innovative and dynamic solution by prudential - PRUhealth. Medical Card Plan up to 100 years old

live long and protected up to - PRUhealth. Medical Card Plan up to 100 years old

estimated costs for major medical procedures1 - PRUhealth. Medical Card Plan up to 100 years old

All about PRUmy child. Health insurance start from pregnancy.

all about prumychild pruhealth malaysia prudential malaysia2 - All about PRUmy child. Health insurance start from pregnancy.

What is PRUmy child?

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.