Tag Archives: Non Claim Bonus

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

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.

 

Introducing Prudential PRU88 !

PRU88

In celebration of our 88th Anniversary, we would like to present this SPECIALLY designed insurance plan that is SIMPLE, EASY, AFFORDABLE and provides you with Guaranteed Cash Payment and Maturity Benefit. The Guaranteed Cash Payment and Maturity Benefit will sum up to 100% of your total premium paid at the end of the policy period.

A SIMPLE, EASY and AFFORDABLE life insurance plan just for you…

This limited pay non-participating plan provides guaranteed cash payments payable via cheque at the end of the 5th, 10th and 15th policy years.

Grab this golden opportunity now because this product is only available for sale until 31 December 2012.

Premium Payment Term 10
Coverage Term 20
  Age Next Birthday Basic Sum Assured
Death / Total Permanent Disability (TPD)* 1-44 RM20,000
45-55 RM12,000
Accidental Death* / Accidental TPD*  1-44 RM80,000
45-55 RM48,000
Guaranteed Cash Payments   5th policy year RM500
10th policy year RM1,000
15th policy year RM1,000
Maturity Benefit   RM8,060
Surrender value will be payable upon policy surrender. We will pay you the surrender value according to monthly premium mode and refund any unearned premiums for other premium modes (yearly, healf-yearly and quarterly). Please refer to the Product Disclosure Sheet for the amount of surrender value.

* expires at age 70

How much do I need to pay and how do I pay my premium?

You are only required to pay RM88 per month. Premiums can be paid yearly, half-yearly, quarterly or monthly via Auto Debit, Credit Card, Cash or Cheque.

The premium that you have to pay according to the different premium frequencies are as follows.

Premium Frequency RM
Monthly 88
Quarterly 264
Half-Yearly 528
Yearly 1,056

Anyone between the ages 1-55 years on their next birthday can puchase PRU88.

PRU88 is another special product that meets your financial goals. Grab this golden opportunity now because we will only offer this product for a limited period!!

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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