Tag Archives: health insurance

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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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.

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

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

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Takaful Cerdik

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

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The Biggest Loser Couple : Curtis Bray comment on important of health insurance

Curtis Bray, 36, who competed with his wife Mallory, 36, and started with a weight of 381 lbs., said, “I need to be 238 lbs. to qualify for health insurance.” When he stepped on the scale and realized he had lost 150 pounds for a final weight of 231 lbs., he pumped his fist and cried out, “Yes! Yes!”

WHY DID THE BRAYS DECIDE TO CHANGE THEIR LIFESTYLE?

One of the reasons the Brays decided to lose weight was because they were tired of not feeling well and being uncomfortable all the time. Mallory admitted that they would go out to eat a lot, which had a negative effect on their diet and health.

Curtis told me that before going on the show he was scheduled for gastric bypass surgery.  However, he decided not to go through with it because he wanted to make a complete lifestyle change so he could  take care of himself properly.   He mentioned that he was borderline diabetic and suffering from sleep apnea, which is when you stop breathing while you are sleeping. However, there was another, more important reason for him to lose weight; he had been denied health insurance and felt that without it, he would not be able to properly provide for his family.

source

Curtis at finale

Curtis and Mallory



PRUhealth. Medical Card Plan up to 100 years old

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