Why is it important to get Life Insurance when you are young and healthy?

" There is an exclusion due to recent gastritis"

" There will be loading of 30% of normal rate"

The above statements just mean that you are no longer considered as standard risk. In term of getting the life insurance cover, it just simply means that :

• Insurance company will exclude certain disease associated to your health condition due to recent treatment or consultation with doctors so will not get covered for this disease and its complications.

• Or, your insurance premium will be higher than of standard risk.

These problem are common and can be avoidable. 

It is at the best time to get insurance cover when:

• You are healthy, this will guarantee you to get cover at standard rate/price.

• When you are young. As the premium increases as you get older, it is preferable to get life insurance cover when you are young and healthy.

FOR QUICK LIFE INSURANCE GUIDE:CLICK HERE

Takaful Medical Card : Comprehensive Medical solution

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.

FOR QUICK LIFE INSURANCE GUIDE:CLICK HERE

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.

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.

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.

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.

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:

Updated Prudential Panel Hospital

To get the latest panel hospital listing click the following link

a. Panel hospital

Get life insurance

Ingin memiliki perlindungan insurans hayat atau life insurance tetapi tidak tahu bagaimana hendak bermula???

Ini adalah di antara persoalan yang tidak terjawab kepada hampir semua orang yang ingin memiliki insurans. Pembelian insurans tanpa khidmat nasihat yang betul boleh merugikan seperti:

• Pembayaran premium yang berlebihan
•  Pembelian produk yang salah
• Terasa tertipu
• Jumlah perlindungan yang tidak mencukupi
•  Tidak memahami kontrak insurans menyebabkan masalah ketika hendak membuat pampasan.

Saya sebagai ajen insurans kepada Prudential memberikan perkhidmatan professional dalam penerangan tentang produk insurans dan juga konsultansi dalam pembelian produk insurans.


Tahukah bahawa anda mampu memiliki Produk Prudential Prulink One : Perlindungan komprehensif dengan bayaran serendah RM100 sebulan?

Tahukah anda, dengan manfaat kematian atau kekal upaya yang mencukupi, ia dapat meringankan beban anda jika berlaku kecelakaaan itu?

Tahukah anda, kos perubatan semakin meninggkat dan medical benefit daripada company anda mungkin tidak mencukupi.

Tahukah anda Medical Card Prudential adalah di antara yang memberikan had seumur hidup 20 kali ganda daripada had tahunan?

Tahukah anda dengan produk Prulink One, sebahagian premium anda akan dilaburkan ke dalam dana-dana tertentu bagi mewujudkan cash value di masa hadapan?

Dengan memiliki insurans hayat, ia  dapat memberikan ketenangan kepada diri anda dan juga kepada mereka yang bergantung kepada anda.

Berikut adalah contoh produk yang diusulkan kepada salah satu client yang membeli produk insurans:

Profil klien:
1, Umur 31 tahun
2. Jantina Lelaki

Produk di atas memberikan perlindungan menyeluruh dari pelbagai aspek. Dengan Prulink One, anda boleh mengubahsuai jumlah yang insuranskan kepada benefit-benefit tertentu mengikut kepentingan anda.

Read this also: Medical card : Getting one?

Jika anda berminat untuk mengetahui dengan lebih lanjut atau hendak memiliki perlindungan insurans sila hubungi saya di - 017 215 6766 atau email di mmcheumar@gmail.com

Medical card : Information.

MEDICAL CARD

Medical Card

Sign up for Prudential Medical Card today!

As low RM100 per month for adult

As low RM60 per month for kids

What is Medical Card?

Medical Card is card which allowed you to get the best medical treatment in any private hospitals. You may save your own money for your medical treatment and why need medical card right?

If you save RM200 per month.  When you think it is gonna be RM500,000?  You need 208 years to achieve that!

With medical card, you save RM200 per month.  Plus we pay all your medical bills.  As I said, you do savings not paying here.

As you save RM200 per month with Prudential, you will have around RM150K at retirement later. Your money invested with Prudential with average 9% annual return rate.

Will my money reduce or gone if you I do claim? The answer is NO. Doesn’t matter how much do you claim, RM1k, RM50K, Rm500K. Your savings still secured and will be there.

If you do your own savings, this will be not happen. Example you already have RM30K. Treatment cost RM50K. You take out your RM30K and still need another RM20K.

What you can do is borrow money or taken out from EPF if you are eligible.

This will create a problem.

Medical Card a good product?

YES! You have the medical protection, plus you will have money savings for future will never reduce if you need for medical payment. You never use your EPF or borrow money and now you are financially stable and happy.

Why it is too late upon retirement?

Premiums at older age is expensive at least RM500 above per month

You request for an insurance will be rejected if you are already diagnosed various disease Maybe you have millions ringgit upon retirement but if insurance cover your medical expenses, you can save your own money and use it wisely during retirement. * I have met many Malaysians at age 55 request to get an medical card and life insurance from me. If they are healthy, there will be no problem.But if they not, like

diabetes, their request will be rejected. Medical expenses cost them around 30K per year.

I asked them, why you don’t have any medical coverage before? They answered me, “I have company unlimited medical coverage, any surgery and clinical is covered by company. All my diabetic treatment cost total RM70K is paid by my company” . As they retired, no more coverage but diabetic treatment still continue. Now they having the biggest problem of their life.

Do you know medical cost in private hospitals nowdays?

1. H1N1 – 3 days admitted – RM3400
2. Kidney dialysis – RM130 per session (13 times per month)
3. Artery bypass – RM90K
4. Dengue – 7 days admitted – RM4100
if you have medical card from Prudential all of above will be covered with limit RM1,500,000 lifetime

Why PRUDENTIAL

No.1 Insurance in Malaysia You get Protection + Savings + Investment Best coverage ( H1N1 included in Prudential Insurance) Low premiums

Why PRUDENTIAL Medical Card?
Comprehensive coverage for hospitalisation and surgery bills ( up to 1.5 Millions ringgit) Just show your Prudential Card, all the bills of hospitalization will be paid by Prudential. Plus you will get hopsital benefits when you are admitted, for example Prudential will pay you RM100 per day. 7 days RM700. This will ease your family expenses in the process of taking care of you in the hospital. No claim bonusYou been healthy for all the year and never use your Medical Card. Prudential will reward with cash bonus.Now, insurance not only taking care of the sicks but rewards the healthy!

Choice of plan within your budget As low as RM100 per months will be receive coverage to RM500,000. Now everyone can have a medical card.

BAHASA

Anda tahu apa itu Kad Perubatan?

Kad perubatan adalah kad yang memberi kemudahan kepada anda untuk mendapatkan rawatan terbaik di hospital swasta secara cashless. Anda juga boleh menyimpan wang sendiri untuk perubatan dan kenapa perlu kad perubatan?

Jika anda simpan RM200 sebulan. Bila simpanan anda akan menjadi RM500,000? Anda perlukan 208 tahun!

Dengan medical card, anda simpan RM200 sebulan. Prudential akan bayar semua bi perubatan anda. Seperti yang saya katakan, anda menyimpan bukan membayar untuk kad perubatan.

Dengan simpanan RM200 sebulan bersama Prudential, anda kana mempunyai RM150K bersara nanti. Wang anda dilaburkan dengan keuntungan 9% setahun

Adakah wang anda akan berkurangan jika anda membuat tuntutan? Jawapannya TIDAK. Tidak kira berapa banyak anda tuntut RM1K, RM10K, RM50K, RM500K. Wang simpanan anda masih selamat dan tidak berkurangan.

Jika anda menyimpan secara sendiri tanpa Prudential, simpanan anda tidak selamat. Contohnya anda mempunyai RM30K. Bil perubatan RM50K. Anda keluarkan RM30K, dan masih perlukan RM20K.

Apa yang boleh lakukan adalah meminjam duit atau keluar KWSP jika layak.

Ini memberikan masalah kepada anda.

Kad Perubatan produk yang bagus?

YA! Anda mempunyai perlindungan perubatan, dan simpanan masa hadapan yang tidak akan berkurangan. Tidak perlu keluarka KWSP atau meminjam wang. Dengan kad perubatan Prudential anda mempunyai kewangan kukuh dan bahagia.  Semua ini hanya RM100 sebulan.

Kenapa terlalu lewat apabila bersara nanti?

Premium (bayaran bulanan) akan mahal. Paling kurang RM500 sebulan.
Permohonan insurans anda akan ditolak kerana anda telah menghidap pelbagai jenis penyakit.
Anda mungkin bersara sebagai jutawan dari duit simpanan atau KWSP tetapi adalah lebih baik jika insurance membayar bill hospital anda dan duit simpanan anda tidak digunakan.

*Saya telah berjumpa dengan ramai rakyat Malaysia yang berumur 55 tahun ke atas yang berjumpa saya untuk memiliki insurans nyawa dan medical kad. Jika mereka sihat, tiada masalah. Tetapi jika mereka mempunyai penyakit seperti diabetes, permohonan mereka akan ditolak oleh Prudential. Mengapa mereka ingin memiliki medical kad? Kerana mereka sedang membayar sebanyak RM30K setahun untuk bil medikal mereka.

Saya bertanya, kenapa sebelum ini tidak ambil medikal kad? Mereka menjawab “Selama ini, klinikal, pembedahan dan hospital di bayar oleh syarikat saya bekerja. Rawatan diabetes saya RM70K semua dibayar oleh syarikat”

Tetapi apabila bersara, syarikat sudah tidak melindungi anda. Tetapi penyakit diabetes masih ada. Rawatan masih diperlukan. Sekarang anda mempunyai masalah besar.

Anda tahu berapa kos perubatan di hospital swasta?

1. H1N1 – 3 hari – RM3400
2. Dialisis buah pingang – RM130 per sesi (13 sesi diperlukan sebulan)
3. Pembedahan salur darah tersumbat (Kolestrol)- RM90K
4. Denggi – 7 hari – RM4100

Jika anda mempunyai medical kad dari Prudential. Semua di atas akan dibayar oleh Prudential dengan limit RM1.5 Juta seumur hidup.

Kenapa Prudential?

Prudential adalah syarikat insurans no. 1 di Malaysia. Prudential adalah syarikat gergasi dunia dari UK dan telah bertapak di Malaysia sejak 1924!

Kenapa Medical Kad Prudential ?

Perlindungan besar sehingga RM1.5 juta. Hanya tunjukkan medikal kad anda dan Prudential akan membayar bil anda
Tambahan anda akan menerima wang saku hospital sebanyak RM250 sehari. Jika 7 hari di hospital, maka anda akan menerima wang saku sebanyak RM1750. Wang ini dapat mengurangkan beban perbelanjaan harian semasa rawatan anda.

Have you ever taught any of above will happen to you or to any your family member?

Are you afford to support yourself or your family ? If the answer is NO.

Sign up for Prudential Medical Card today!

We pay for your medical bills. As low with limit RM500K and maximum RM1.5 Million.  Subject to the plan subcribe

Hospitalization is not limited to critical illness. Bad fever, virus infection, dengue, H1N1 and etc. We pay your bills.

Plus!

We reward you will Hospital Allowance if you are admitted to the hospital. You will receive RM250 per day for ward, RM350 per day for ICU and RM2500 for any surgery.

Is it just for medical coverage? No, our medical plan including investment together.

For example premium paid RM200 per month. There will be allocation for investment

7 years and above 100% premium paid goes into investment . It is good right? Investing plus receiving medical protection.

Money invested is allowed to withdraw any time and you may enjoy it for any purposes.

No more like below!

Protect your financial with us! We double up your wealth. We protect you. We protect your family.

Call me today for appointment.  - call me at 017-215-6766 or email me at mmcheumar@gmail.com

Apakah jenis manfaat yang ada boleh peroleh dengan product Life Insurance Prudential?

Apakah jenis manfaat yang ada boleh peroleh dengan product Life Insurance Prudential?

1)      Pampasan kematian atau hilang keupayaan kekal - ini adalah manfaat asas di antara produk insurans Prudential. Tujuan manfaat ini adalah bagi memberi pampasan kewangan jika berlakunya kematian atau hilang keupayaan kekal (tidak mampu untuk bekerja)* sepanjang tempoh yang di insuranskan. Contoh : Aaron membeli life insurans dengan sum insured RM 100,000 bagi tempoh sehingga umurnya 70 tahun. Pada umur 45 tahun, Aaron meninggal dan ahli keluarganya yang terdekat (isteri) akan menerima bayaran pampasan sebanyak RM100,000 itu.

2)      Pampasan akibat penyakit kritikal - jika telah disahkan doktor akibat mengalami penyakit2 kritikal ( di antaranya kanser, koma, meninggitis, serangan jantung, stroke..) bayaran pampasan akan diberikan.

3)      Pampasan akibat kemalangan - Jika berlaku kemalangan/kecelakaan samada di jalan raya atau dimana-mana sahaja, bayaran pampasan seperti kematian, hilang keupayaan, pampasan bayaran hospital dan lain-lain. Jika berlaku kematian akibat menaiki public transportation, pampasan kematian akan digandakan 2 kali.

4)      Medical card -   dengan Prudential Medical card, segala perbelanjaan (mengikut had yang di tetapkan) hospital dan surgical akan dibayar sehingga had yang di tetapkan. Anda tidak perlu risau jika anda tidak mempunyai simpanan yang cukup bagi menampung perbelanjaan hospital yang kian meningkat. Di antara lain, perbelanjaan bagi rawatan kanser dan dialysis buah pinggang turut termasuk di dalam manfaat medical card.

5)      Simpanan dan pelaburan – Produk Prudential bukan sahaja memberikan perlindungan kewangan, dan perbelanjaan kesihatan, malah ia boleh digunakan sebagai tempat simpanan dan juga pelaburan ke dana-dana tertentu  yang akan memberikan pulangan untuk kegunaan anda ( kadar pulangan bergantung kepada prestasi dana-dana yang di laburkan). Kebanyakan ibu bapa menggunakan manfaat ini bagi mengumpul wang untuk perbelanjaan pendidikan tinggi anak-anak atau boleh digunakan bagi mengumpul harta untuk kegunaan di masa hadapan.

Jika anda ada soalan, boleh hubugin saya di 017-2156766 atau email saya di  mmcheumar@gmail.com

Why do we need life insurance?

WHY do we need insurance?

There will one time in our life, where we will think about life insurance whether accidentally or purposely. Accidentally when somebody will approach us (life insurance agents) to self life insurance or a friend starting to talk about it. For some of us, it is when we start to think about the future.

The future that I am talking about are as the following is situation:

• For somebody who has family, we will start to think what will happen to all our dependents if we fall to severe sickness or death, or any situation that will leave our dependents in a mess financial situation. At this point, we will think and we must think as it is our obligation to them so that they will continue to survive comfortably for some time without us being there. And most importantly, our children deserve a proper path to adulthood by getting better education and life. For our dependent spouse, losing some that they love so much is already an unfortunate emotional event. Living and surviving with such situation will further more deteriorate the quality of living and raising the children. With life insurance, we are able to prepare for this situation. With the premium we pay, we are able to leave some financial resources for our family to meet monthly, yearly and future obligations and dreams.
  
  

       

• For somebody who still lives single, in the event of something unfortunate happens to us, do we have enough financial resources to cope with the situation. For example, if we are needed to undergo major surgical procedures, our saving might be easily be exhausted to pay the increasing medical bills, hence our future plan, to buy a house, buy a car, start a family, get higher education will be stalled. Hence we cannot live our self to the fullest. But it will be different if we have life insurance to cover for our unexpected high medical bills. OUR SELF AND OUR WEALTH WILL BE PROTECTED