Tag Archives: Prudential Medical Card

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

Please ensure your medical card is Guaranteed Renewal!

pruhealth medical card 1 - Please ensure your medical card is Guaranteed Renewal!

Not all medical card is the same. The most important feature is Guaranteed Renewal Card.

Why? There are medical cards which are not guaranteed renewal. The meaning is, your card didnt guarantee to cover you for the rest of your life.

Non guaranteed medical card will require you to do medical checkup upon renewal. If you health is not good, then you cant continue. What! You need the card when you are not healthy, but you are really not healthy, the company didn’t accept you anymore. Plus, when you are not healthy, there are no more insurance company will accept you.

So, please make wise choice in Medical Card. Please choose Prudential Medical Card. Because we cover you till the rest of your life (*depend on the plan 70,80 or 100 years old)

Every year is automatic renewal and no medical checkup required. Get your medical card today! Only healthy person can apply for the card. Get it now before too late.

 

New Prudential Malaysia Policy Document Look 2010. Real Pictures

Refer to last update click here. Below is the real pictures of 2010 Prudential Malaysia Policy Document Design.

dsc00022 - New Prudential Malaysia Policy Document Look 2010. Real Pictures

dsc00023 - New Prudential Malaysia Policy Document Look 2010. Real Pictures

dsc00024 - New Prudential Malaysia Policy Document Look 2010. Real Pictures

dsc00026 - New Prudential Malaysia Policy Document Look 2010. Real Pictures

When can I sign up insurance plan for my baby? Prudential Education Plan and Health Medical Insurance

baby images - When can I sign up insurance plan for my baby? Prudential Education Plan and Health Medical Insurance

PRUmy child

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

prumychild prudential malaysia1 - When can I sign up insurance plan for my baby? Prudential Education Plan and Health Medical Insurance

Takaful Cerdik

You can take up this plan for your child as early as 2 weeks after birth. Protection to 25 years old

takaful cerdik image - When can I sign up insurance plan for my baby? Prudential Education Plan and Health Medical Insurance

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

LIST OF PRUDENTIAL ASSURANCE MALAYSIA BERHAD (PAMB) PANEL HOSPITALS Update March 2010

list of prudential assurance malaysia berhad - LIST OF PRUDENTIAL ASSURANCE MALAYSIA BERHAD (PAMB) PANEL HOSPITALS Update March 2010

New addition

KPJ AMPANG PUTERI SPECIALIST HOSPITAL 1, Jalan Mamanda 9, Taman Dato Ahmad Razali, 68000 Ampang, Selangor

MOUNT MIRIAM CANCER HOSPITAL 23, Jalan Bulan, Fettes Park, 11200 Tanjung Bungah, Pulau Pinang

Full list download here

PRUmy child. Protection and education for your child

prumychild image1 - PRUmy child. Protection and education for your child

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

prumychild smock - PRUmy child. Protection and education for your child

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)