Tag Archives: Medical Card

Pru Value Med. Say farewell to annual medical limit!

Pru Value Med Medical Card

 

We all know just how crucial medical care is in today’s world and the need for healthcare becomes even more paramount as we age. With the escalating cost of healthcare, have you ever wondered if you are able to safeguard yourself against any uncertainty and insufficient savings for healthcare?

Wouldn’t it be great if there is a medical plan that not only promises you a lifetime of assurance for all your medical needs, but also helps you save with more benefits?

Introducing PRUvalue med, a medical plan that combines extraordinary values and savings. With PRUvalue med, you will never have to choose between your health and finances as your healthcare needs are what matters most to us. Get MORE with PRUvalue med.

 

What is PRUvalue med?

PRUvalue med is a regular premium investment-linked medical rider that reimburses medical expenses incurred in the event of hospitalization and for outpatient treatment.

All insurance provider have their own medical plan with Medical Card. But PRUvalue med not just another medical rider plan which cover your hospital expenses (Medical Card).

 

Why PRUvalue med so special?

 

PruValue Med does not have any annual limit for your hospital bills. YES! NO MORE Annual limit like other medical card plans out there.

Other than that, the PruValue Med minimum cover is RM 1,000,000.00. No joke people, that is the minimum cover that the company is offering to you Malaysia.

Yet still, 1 million is still a capped amount. What would happen if the 1 million is finished? No worries! your medical card will cover 80% of any medical expenses after your selected medical cover is finished.

Finally a worry less medical card which covers you even though your limit is finished. You don’t have to worry anymore on how much the hospital will charge your bill and you will not have to worry anymore on how much your medical limit is left.

Act fast!

Call me NOW for free quotations and explanation regarding the plan!

012-223 4676  Amirol Ariff

012-273 6836 Zetty Zahrina

Pru Value Med - Prudential Medical Card

 

 

Call Me Now.

012-223 4676 Amirol Ariff

012-273 6836 Zetty Zahrina

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Take the responsible step, get yourself protected.

Call NOW for free quotation from plans ranging from Life Protection, Personal Accidental Plan, Medical Cards, Education Fund, Retirement Fund, Critical Illness Plan and Many more.

 

Call NOW for details:

Amirol Ariff 012-223 4676

Zetty Zahrina 012-273 6836

New Takaful Medical Card, Takaful Health Enrich

takaful health enrich

Takaful Health Enrich

“At PruBSN, we want our customers to live their lives to the fullest whilst still having the peace of mind that they are medically covered regardless of their lifestyle. We understand that each person’s lifestyle is different and we all have different needs and wants at each juncture. We believe that each person’s health is a privilege and they deserve a plan that reflects their personal medical needs. This is the thought that gave birth to HealthEnrich.”

“You can receive the best healthcare treatment at private hospitals here but the costs are not easily afforded by the general public. At PruBSN, we understand our customers and the public’s wish to provide themselves and their families with the best possible medical protection supported by the best service. HealthEnrich medical plan serves to provide the best healthcare treatment for individuals and enables them to enjoy true peace of mind at an affordable cost.”

HealthEnrich introduces a number of new, dynamic features. These include provision of a second medical opinion, organ transplant, dedicated medical attendant, preferred hospitals and maternity complications, which is the first to be provided by a Takaful Operator.

This plan starts with HealthEnrich Vital. It is designed for vibrant and young adults who are just embarking on adulthood and the commitments that come with it. This plan gives them the security they need as they set out on their adult life and to travel the world with ease and knowing that they are medically covered. It also gives them the flexibility to upgrade their plan as their needs grow with their changing lifestyle.

Prudential BSN Takaful Health Enrich

The second plan under HealthEnrich is HealthEnrich Select. As one starts a family, there are increased responsibilities. PruBSN realises this and offers HealthEnrich Select which provides optimum protection for an individual. This plan has unique benefits for expecting mothers covering maternity complications and provides for the preference of co-takaful or full coverage for one’s medical bills giving one added security and peace of mind.

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Also part of HealthEnrich, PruBSN offers individuals always on the go a plan that provides for their future medical needs with HealthEnrich Advanced. An individual can carry on with their hectic lifestyle and rest assured that they are medically covered should any untoward incident happen to them. An additional benefit under this plan is that it rewards an individual for healthy living with a no claim bonus under the co-takaful option.

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Catering for the more advantaged individuals, PruBSN’s HealthEnrich Premier offers superior healthcare and addresses one’s prominent lifestyle. Among the added benefits that come with HealthEnrich Premier is a dedicated medical attendant to assist them during their stay at the hospital.

premier

With customers’ interests paramount, PruBSN constantly seeks to ensure its products and financial solutions fulfill its customers’ needs according to their different lifestyles. HealthEnrich also offers the option of full coverage for covered medical bills without any co-takaful and the choice of a very early entry age as just two of the added features of this plan.

HealthEnrich Advanced & HealthEnrich Premier also provide a second medical opinion from local or international medical experts and all four HealthEnrich plans come with a medical card that gives an individual immediate access to medical assistance at any of PruBSN’s panel hospitals.

PruBSN HealthEnrich is available in conjunction with PruBSN Link Series.

Additional info regarding Prudential BSN Takaful’s Health Enrich Plans:

Health Enrich FAQ 1Health Enrich FAQ 2*HURRY!!

Call/Whatsapp/SMS/Email now for further explanation regarding this plan:Zetty Zahrina Dato’ Zahar – 012 2736836

Amirol Ariff Nazarudin – 012 2234676

 

Prudential New Advert on Recruitment………

 

Well, she can…..why not YOU?

Have interest to know how to start….

Contact us at:

Amirol Ariff – 012 2234676

Zetty Zahrina – 012 2736836

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