Tag Archives: What is PruMy Child

Education Plan RM200 sebulan

dipetik dari sharing seorang Ejen di Prudential.

 

 

Seorang prospek ini beritahu yang dia baru sahaja beli satu polisi Education Plan untuk anaknya bernilai RM200.

Saya tanyakan, apa yang Tuan faham tentang Education Plan?

Katanya sebab ada bonus kecemerlangan akademik.

Saya ceritakan tentang kos pendidikan untuk 10 – 15 tahun akan datang padanya. Saya tunjukkan figure dibawah, dia terkejut.

Education Plan adalah bagaimana kita menjana wang untuk membiayai kos pendidikan anak-anak dimasa hadapan.

Saya tunjukkan “Hybrid Education Plan”, beliau angguk dan minta untuk berfikir.

Takaful/Insuran bukan gebang claim tunjuk cek.

Takaful/Insuran adalah BAGAIMANA kita memastikan pelanggan terhindar dari MUSIBAH kewangan jika mereka meninggal dunia, hilang upaya kekal dan bertarung nyawa dengan sakit kritikal dan bilamana hasrat seorang bapa untuk memberikan pendidikan terbaik pada anaknya terlaksana walau beliau tiada……….

 

kos pendidikan - Education Plan RM200 sebulan

Ingin merancang plan pendidikan untuk anak anda?

Bertindaklah sekarang dengan menghubungi 012-223 4676 atau 012-273 6836 untuk penerangan lebih lanjut.

PRUmychild – PRUearly start and PRUbest start Congenital Illnesses Definition with Diagram

prumychild malaysia congenital illnesses 101 - PRUmychild - PRUearly start and PRUbest start Congenital Illnesses Definition with Diagram

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

congenital deafness - PRUmychild - PRUearly start and PRUbest start Congenital Illnesses Definition with Diagram

Loss of hearing present at birth.

2. Congenital Cataract

congenital cataract - PRUmychild - PRUearly start and PRUbest start Congenital Illnesses Definition with Diagram

A congenital cataract is clouding of the lens of the eye, that is present at birth.

3. Anal Atresia

anal atresia - PRUmychild - PRUearly start and PRUbest start Congenital Illnesses Definition with Diagram

The anus is either not present or it is in the wrong place.

4. Congenital Diaphragmatic Hernia

congenital diaphragmatic hernia - PRUmychild - PRUearly start and PRUbest start Congenital Illnesses Definition with Diagram

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

infantile hydrocephalus - PRUmychild - PRUearly start and PRUbest start Congenital Illnesses Definition with Diagram

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

tetralogy of fallot - PRUmychild - PRUearly start and PRUbest start Congenital Illnesses Definition with Diagram

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

transposition of great vessels - PRUmychild - PRUearly start and PRUbest start Congenital Illnesses Definition with Diagram

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

truncus arteriosus1 - PRUmychild - PRUearly start and PRUbest start Congenital Illnesses Definition with Diagram

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

atrial septal defect - PRUmychild - PRUearly start and PRUbest start Congenital Illnesses Definition with Diagram

A congenital heart defect in which the wall that separates the upper heart chambers (atria) does not close completely.

10. Ventricular Septal Defect

ventricular septal defect - PRUmychild - PRUearly start and PRUbest start Congenital Illnesses Definition with Diagram

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!

prumychild t shirt - Sign up PRUmy child plan with me today!

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

prumy child board game - Sign up PRUmy child plan with me today!

PRUmychild plan before birth?

prumychild prubest start pruearly start - PRUmychild plan before birth?

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.

3 need heart surgery - PRUmychild plan before birth?

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)

2.ICU / HDU for Premature Birth RM500 daily (max 30 days)

3.Incubation of new born child immediately following birth RM200 daily (max 60 days)

Pregnancy Care Benefit * you may enhanced the protection by sign up for PRUlady plan.

1. Pregnancy Complications Eclampsia, Abruptio placentae, Amniotic fluid embolism RM5,000

2. Maternal death up to 30 days from delivery RM20,000

Total premiums paid will be returned

1. Death of Foetus

2. Infant death within 30 days of birth

In the Womb airs on National Geographic (Astro channel 553). PRUmychild

in the womb airs on national geographic prumychild - In the Womb airs on National Geographic (Astro channel 553). PRUmychild

In conjunction with the launch of PRUmy child, the latest child insurance plan that provides protection for a child before he or she is born, this insurer is partnering National Geographic to bring back the highly-acclaimed documentary.

It chronicles the incredible transformation of a baby from a single cell to a complex, self-sustaining organism.

In the Womb airs on National Geographic (Astro channel 553) on May 1 at 5pm, and May 2 at noon.

in the womb identical twins national geographic prumychild - In the Womb airs on National Geographic (Astro channel 553). PRUmychild

In addition, catch the premiere episode of In the Womb: Identical Twins also sponsored by Prudential on May 5 (Wednesday) at 10pm, with repeats on May 8 at 5pm and May 9 at noon on the same channel.

PAMB director of brand and communications Fiona Liao said: “Our partnership with National Geographic in sponsoring this documentary is driven by the same conviction as PRUmy child – that every parent’s love for their children begins at the very first heart beat in the womb. We hope that parents, especially expectant parents, will enjoy what they see.”

Fox International Channels marketing director Nini Yusof said: “National Geographic has always invited viewers to be curious through its cutting-edge programming.

In The Womb is an example that explores the science behind humanity and life.“

Source

Prudential PRU my child plan

prumy child plan overview - Prudential PRU my child plan

PRUmy child plan

In planning for your child’s  future, it’s best to start early. Along with standard lifetime protection, PRUmy child provides a growing education fund with guaranteed payouts and potential higher return to meet future educational expenses. Best of all, expecting parents will take heart in a new and unique cover aimed specially at protecting your precious fetus – the first plan in Malaysia to do so

PRUmy child benefits :

Complete protection – Beginning from before birth to adulthood.

Secure education fund – Guaranteed payouts for higher studies.

Health protection – Coverage for specific child illnesses.

Parent protection – Protect your child by protecting yourself.

More info visit http://www.prudential.com.my

PRUmy child. Child Education Planner.

prumychild education plan - PRUmy child. Child Education Planner.

How much will your child’s education cost?

Visit http://www.prudential.com.my , use Child Education Planner and start your calculation

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

PRUmy Child Sheila Majid Video Clips. PRUmy Child TV Commercial

PRUmy Child Sheila Majid Video Clips. PRUmy Child TV Commercial

PRUbest Start AND PRUearly Start (PRU mychild)

prubest start pruearly start prudential agent klang valley - PRUbest Start AND PRUearly Start (PRU mychild)

What is the difference between PRUbest start and PRUearly start?

PRUearly start is basic cover for both mother and child during the pregnancy and early infancy period while PRUbest start gives a wider coverage including pregnancy complications.

How does PRUbest start and PRUearly start work?

These benefits cover both the mother and the child even before he/she is born during the crucial pregnancy and ceases when the child is 2 year old. During the pregnancy period up to 30 days from birth of child, the pregnant mother is covered under Pregnancy Care Benefit:

how does prubest start and pruearly start work1 - PRUbest Start AND PRUearly Start (PRU mychild)

Note: Only 3 types of pregnancy complications are covered in PRUbest start:

(1) Abruptio Placentae (premature separation of the placenta from the womb)

(2) Eclampsia (seizure activity and/or unexplained coma during/after pregnancy)

(3) Amniotic fluid embolism (amniotic fluid entering into mother’s blood circulation)

From the moment the child is born, he/she is immediately covered under Child Care Benefit up to age 2 year old:

child care benefit prumychild - PRUbest Start AND PRUearly Start (PRU mychild)

Congenital conditions covered under:

PRUearly start

  • Anal atresia (absence of the anus opening)
  • Congenital Cataract (clouding of the eyes)
  • Congenital Deafness (loss of hearing)

PRUbest start

  • Infantile Hydrocephalus (head enlargement due to excessive fluid in the brain)
  • Anal atresia (absence of the anus opening)
  • Congenital Diaphragmatic Hernia (opening of the diaphragm that cause the organs in the abdomen to go up into the chest cavity)
  • Atrial Septal Defect (abnormal opening between the heart’s upper left and right chambers. A form of hole in the heart conditions)
  • Tetralogy of Fallot (heart conditions with 4 major defects that causes the baby to turn blue due to lack of oxygen)
  • Transposition of Great Vessels (switch of position between the heart’s aorta and pulmonary artery. Aorta is rich in oxygen while pulmonary artery is poor in oxygen)
  • Truncus Arteriosus (merging of the heart’s aorta and pulmonary artery)
  • Ventricular Septal Defect (abnormal opening of the wall between the heart’s left and right lower chamber. A type of hole in the heart conditions)
  • Congenital Cataract (clouding of the eyes)
  • Congenital Deafness (loss of hearing)

Who is eligible to apply for PRUbest start and PRUearly start?

Any woman age between 18-45 next birthday that is within week 18-35 of her pregnancy. For woman age 18-45 next birthday but ABOVE 35 weeks of pregnancy, they can still secure a policy for their unborn child but PRUearly start and PRUbest start will not be applicable. If death of foetus or death of child occurs within the 30 from birth of child, the higher of total premiums paid or value of units will be paid. However, no coverage will be provided on the mother.

Why is the Congenital Conditions separated into 2 different groups?

PRUbest start provides a more comprehensive protection for the child and this is not only evidenced by the amount of benefit payable but the covered congenital conditions.

What happens when it is a twin pregnancy?

If twin is detected, applicant will be required to purchase to TWO identical policies with same coverage. This is to avoid anti-selection against Company in the event either one of the child is born unhealthy or with complications.

What is the waiting period for PRUbest start and PRUearly start?

These benefits start protecting both the pregnant mother and the growing foetus immediately once the cover commenced after underwriting and premium is paid since there is no waiting period applicable for these 2 benefits.

Can we switch between the 2 benefits or make any changes to the other benefits attached to the policy at a later stage?

Since pregnancy can be rather unpredictable, no switching between PRUbest start and PRUearly start is allowed once the policy is incepted. Also, no changes can be made on the other benefits attached to the policy until the child is born. Any change of benefits after the birth of the child is subjected to underwriting.

What are the documents required during proposal stage?

In addition to the usual documents submitted i.e. proposal form, sales illustration and lifestyle profile, all pre-birth applicants will need to submit a gynaecology report (Form ID: 10201065) completed by their attending gynaecologist. This form can be downloaded from RAISe under New Business Medical Form. In addition to that, a 3D/4D scan will be required if PRUbest start is selected.

Who will bear the cost of the gynaecology report and 3D/4D scan?

The cost of gynaecology report (up to RM150) will be borne by the Company while the 3D/4D scan shall be at the expense of the applicant.

Upon expiry of PRUbest start/PRUearly start, will the premium be reduced?

Once the benefit expires at age 2, policyholder is free to utilize the premium to further increase their child’s cover or to enhance their investments.

After the child is born, what should the parent do?

The parent should update the child’s details i.e. name of the child, date of birth, gender, birth certificate/MyKid identity card number by providing to the Company of a copy of the birth certificate/MyKid identity card. Without any update on the child’s details, all types of transaction including surrender of the policy will not be allowed.