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In my record, I never miss to visit my client to hospital, i never unable to get claims for my clients and I will try my best to get documentations done ASAP.

But, recently my baby got fits due high temperature and Im not at home as Im busy with my insurance appointment. My wife had to call ambulance because she cant reach my mobile. How busy i am servicing my client compare to my own family.

My baby admitted to the hospital for 2 days and after that my wife and me got a flu, maybe exposure in the hospital.

My new signed up clients sms me for meet up and asking for the policy documents. I cant entertain her as my baby in hospital and got fever after that.

Then she piss off and she complaint about my service. Then, I let her know my my situation in order to make her understand. But she replied, “You have to balance your time and your problem is your problem”.

I didnt reply as I dont know what to say. When my clients in problems, ill be there for them. But now, I need my time for my family, my client refuse to understand. Please respect my life at least.

For Prudential policy holder hospital admission, the phone number is 03 2711 9599 . The hospital will contact Prudential for your hospital admission. You didnt have to do anything.

Prudential Customer Service number is 03 2116 0228, you may call this number for any inquiries about your policy. Policy status, payment status, claim status. change address, change payment method, surrender policy and etc.

For PruBSN, Prudential BSN Takaful, the number is 03 2053 7188

Ramai hutang kad kredit, bank untuk jelas kos perubatan swasta tinggi

KUALA LUMPUR: Penggunaan kad kredit atau pinjaman bank untuk membayar kos perubatan yang tinggi di hospital swasta kini menjadi punca utama kegagalan

Mengikut Agensi Kaunseling dan Pengurusan Kredit (AKPK) penggunaan kad kredit tidak terkawal kini bukan lagi menjadi faktor utama bagi masalah kegagalan pembayaran balik pinjaman.

Sebaliknya, badan yang menguruskan RM4.8 bilion hutang tidak berbayar (NPL) membabitkan 50,361 individu itu mendapati pembiayaan kos rawatan dan perubatan yang tinggi ketika ini mendorong individu untuk berhutang sehingga di luar kemampuan.

Ketua Eksekutifnya, Mohamed Akwal Sultan, berkata kebanyakan individu yang dirujuk kepada Program Pengurusan Kredit (PPK) AKPK menjelaskan, mereka lebih cenderung mendapatkan perkhidmatan rawatan dan perubatan yang dikatakan lebih baik di hospital swasta berbanding di hospital kerajaan walaupun ia membabitkan kos besar.

“Setakat Oktober lalu, 26 peratus kegagalan pembayaran balik pinjaman langsung bank atau kad kredit yang dirujuk kepada AKPK adalah perbelanjaan perubatan tinggi disebabkan kos sara hidup semakin meningkat.

“Penggunaan kad kredit tidak terkawal tidak lagi menjadi faktor utama kegagalan seperti pada dua atau tiga tahun lalu,” katanya kepada Berita Harian.
Beliau berkata, selain kos perubatan tinggi, punca lain yang dirujuk kepada agensi itu ialah kelemahan pengurusan kewangan (25 peratus), kegagalan perniagaan (13 peratus), kehilangan pekerjaan (12 peratus), manakala dua peratus akibat kegagalan pelaburan.

Penggunaan kad kredit tidak terkawal pula, katanya, hanya mewakili 15 peratus.
Katanya, hampir 70 peratus kes gagal membayar balik pinjaman itu adalah membabitkan penggunaan kad kredit, manakala 30 peratus lagi pinjaman peribadi serta sewa beli.

Daripada RM4.8 bilion NPL yang diuruskan AKPK ketika ini, Mohamed Akwal berkata, RM2 bilion membabitkan pinjaman perumahan diikuti kad kredit (RM1.1 bilion) serta sewa beli sebanyak RM713 juta.

Katanya, jumlah itu membabitkan kira-kira 40 peratus daripada keseluruhan 135,805 individu yang datang ke AKPK untuk mendapatkan perkhidmatan kaunseling serta khidmat nasihat berhubung pengurusan kredit.

Beliau berkata, tahun ini saja 25,353 individu memohon khidmat nasihat serta bantuan AKPK dan hanya 13,017 dirujuk kepada program PPK, antaranya bagi penstrukturan semula pinjaman.

Bagaimanapun tahun lalu, katanya, 36,848 individu tampil dan 16,184 daripadanya mengikuti program berkenaan.

“Tahun lalu, lebih ramai mendapatkan bantuan daripada AKPK kerana krisis ekonomi yang melanda. Namun, mulai Oktober tahun lalu, keadaan ekonomi mula pulih. Pengurangan individu ini menunjukkan keadaan ekonomi kita semakin baik dan mereka juga ke arah pengurusan kewangan yang baik,” katanya.

Setakat Oktober lalu, sebanyak 423 kes membabitkan pinjaman berjumlah kira-kira RM12 juta berjaya diselesaikan AKPK, berbanding 143 kes dengan jumlah pinjaman RM3.7 juta pada tempoh sama tahun lalu.

“Kami menyelesaikan kira-kira 40 kes sebulan bayaran balik pinjaman kepada bank kerana kebanyakan yang mengikuti PPK sudah mampu menyelesaikan pinjaman lebih awal daripada tempoh maksimum 10 tahun yang diberikan,” katanya.

Beliau berkata, mereka yang berpendapatan kurang RM2,000 sebulan adalah kumpulan paling teruk terjejas dengan masalah kewangan, mewakili kira-kira 40 peratus daripada 50,361 individu yang menyertai PPK.

Katanya, AKPK yang ditubuhkan sejak April 2006 setakat ini menganjurkan lebih 520 taklimat berhubung pengurusan kredit di seluruh negara.

SOURCE

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

Here the cheque proof.

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.

My client age 5 months admitted to the hospital (Hospital Pusrawi KL) . Based on the medical report the doctor declare it as Diarrhea and High Fever.

Claim made the next day after discharge. And claim’s cheque received on 6 September 2010. Waiting time is 15 days.

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.

List of Panel Hospitals for Prudential’s Hospital Alliance Services (HAS) October 2010. (effective start 18 August 2010)

SIME DARBY SPECIALIST CENTRE MEGAH – 03-7803 1212
79 Jalan SS 23/15, Taman SEA, 47400

SENAWANG SPECIALIST HOSPITAL – 06-677 1858
234-243 Jalan Lavendar Heights 2, Lavender Business Square, 70450 Senawang, Negeri Sembilan

For full listing of Prudential’s Hospital Alliance Services (HAS) October 2010. Please contact me and I email you the list

Early stage of marriage, many of us struggling to get the stable financial phase. Find a decent house, allocation to furnish the house, good car ( at least 2 cars if the couple are working ), more money needed when you have a baby.

My friend married at young age (25) , just get a new car, new fully furnished renovated semi d house. How he managed that?

His parents do savings for him since age 1 in insurance plan. Age of 18, his fund is around RM95K. The parents didn’t withdraw the fund as he have scholarship. The fund continue to grow and more savings added regular basis.

Age of 25, the fund grow to RM125K. As he married now, he withdraw the part of the fund for his need. Cars and house. His financial is good and stable.

Im so jealous! I wish my parents do the same thing to me. By the way past is past, now Im a father. I sign up investment link plan for my baby (PRUmychild).

RM200 a month. Comprehensive plan. Life Insurance + Critical Illness + Accidental + Medical Card + Savings.

With this plan, my baby hospitalization covered by Prudential and unthinkable happen is insured. Plus, im expecting education fund RM100K upon age 18 or continue there will be RM130K age 25.

Life is a struggle, I am struggle financially in early stage of my career, early stage of my of marriage, early stage of my fatherhood and early stage of my business. Hope this savings plan will aid my son’s financial journey as an adult.