Tag Archives: What is PruHealth

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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PRUhealth. Medical Card Plan up to 100 years old

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PRUmy child. Protection and education for your child

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Protection and education for your child. On top of that, you could also enjoy these tantalising goodies:

* 1st 200 PRUmy child policyholders receive a free voucher each
* 1st 2000 PRUbest start policyholders enjoy a free smock each.
* Newborn babies receive FREE Personal Accident coverage

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Interested?

Please email me as below

PRUmychild (before birth)

1. Name of Mother
2. Date of Birth (Mother)
3. Smoking or not
4. Annual Income
5. Contact Number
6. Location
7. How many weeks of pregnancy?
8. Expected Delivery Date
9. Budget monthly (RM100 and above)

PRUmychild (after birth)

1. Name of Father/Mother
2. Date of Birth Father/Mother
3. Smoking or not
4. Annual Income
5. Contact Number
6. Location
7. Date of Birth Kids
8. Budget monthly (RM100 and above)

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.

Can you do double claim from employer insurance and personal insurance?

Can you do double claim from employer insurance and personal insurance? The answer is NO.

If you are admitted to the hospital, and you use your working place’s insurance to cover the bills. You cant do another claim from your own personal insurance.

Senario 1

If your working place’s insurance coverage is only RM2500 yearly and your bills is RM5000. You may use working place’s insurance to pay the first amount and the balance will be cover by your own personal insurance.

If you don’t want the hassle, just use your own Prudential Medical Card, our lowest plan coverage is RM50K yearly!

Plus, you will get allowance RM300 per day by Prudential. 7 days in hospital. Rm2100 is yours! *This allowance not for paying the bills, this is your pocket money when you are sick.

Senario 2

The bills is Rm5000 and your working place’s insurance coverage is RM50K yearly. Hence, you use 100% working place’s insurance.

But you still able to get allowance from Prudential. RM300 per day, 7 x 300 = RM2100 your money. 🙂

As conclusion, the bills you cant do double claim, you need  to select which party to pay the bills or share the bills.

You still abel to get allowance from Prudential,  doesn’t matter you use your working place’s insurance or Prudential insurance.