Tag Archives: ejen prudential

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………………….

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!

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).

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

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

Here the cheque proof.

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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.

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PRUhealth. Medical Card Plan up to 100 years old

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All about PRUmy child. Health insurance start from pregnancy.

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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.