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:

Medical Card : Pruflexi Med - Pelan perubatan tanpa co-insurance

Pruflexi med


Pruflexi med adalah salah satu pelan perubatan daripada Prudential yang berkait dengan pelaburan serta  memberikan anda fleksibility untuk memilih:

• elaun harian bilik dan penginapan harian

• had tahunan

• had had seumur hidup

• deduktible, samaada '0' atau RM300.                                                                             Deduktible bererti, daripada amaun rawatan, anda perlu membayar RM0 atau RM300. Jika anda memilih RM300, terdapat perbezaan (lebih murah) berbanding dengan RM0 deduktible.

FOR QUICK LIFE INSURANCE GUIDE:CLICK HERE


Manfaat di dalam Pruflexi med dan penerangan:

Penerangan tentang manfaat

Link-link lain:

1. Panel hospital dan deposit, sila klik sini. Panel hospital.

2. Pentingkah medical card?


Untuk mengetahui dan memahami dengan lebih lanjut, boleh lah hubungi saya.

Prulink One : Produk Komprehensif daripada Prudential

PRUlink one

Investment Linked Plan - Do more with just one plan

Prulink One adalah sebuah pelan insurans yang komprehensif dan semua dalam satu daripada Prudential. Dengan pelan Prulink One, pemegan polisi akan mendapat manfaat berikut, di antaranya:

• Bayaran pampasan sekaligus akibat kematian dan hilang upaya kekal.

• Bayaran pampasan sekaligus setelah didiagnos dengan 36 penyakit kritikal ( klik disini)

• Bayaran pampasan akibat kematian atau hilang upaya berpunca daripada kemalangan.

• Manfaat perubatan dari segi Medical card untuk membiayai kos perubatan di hospital swasta dengan had limit yang tinggi. 

         Klik Medical Card Pruflexi Med: Pelan perubatan tanpa deduktible

         Klik Medical Card: It is important

          FOR QUICK LIFE INSURANCE GUIDE:CLICK HERE

• Manfaat pendapatan harian apabila anda mendapat rawatan di hospital,

• Pulangan hasil pelaburan. 

Di bawah adalah sample quotation bagi Produk Prulink One.

1. Jantina     : Lelaki

2. Umur       : 35 tahun

3. Merokok  : Tidak

4. Pekerjaan  : Jurutera

Untuk mengetahui dengan lebih lanjut bolehlah hubungi saya di:

1. Phone no : 017 215 6766

2. Email       : mmcheumar@gmail.com

Maklumat-maklumat yang berkaitan:

1. Panel hospital: Klik sini 

2. Bacaan mengenai Medical card :  Medical Card: Is it important?
3. Kenapa mesti beli insurans sekarang: Klik sini.
4. Takaful plan : Klik sini

Updated Prudential Panel Hospital

To get the latest panel hospital listing click the following link

a. Panel hospital

Medical Card: Is it important?

Medical card : Getting one?

When googling/researching for insurance, medical card product is the one that most people frequently looking for. People are worried about getting hospitalized. 

But most of the times, most people are not well acknowledge on why they need medical card. Lack of access to good information and lack of exposure to hospitalization experience cause people being un imaginable of what to expect.

Further more, most people will have a sense of false comfort level whenever they knew that their company has provided medical benefit or when they bought traditional PA insurance from tele marketer.

Hence it is important then, to find out whether we got right the insurance product to cover our self from the unexpected loss event. To get compensate for we thought will be covered. 

Despite of oneself effort to stay healthy, medical problem can happen unexpectedly. The next It is then up to oneself to choose treatment facility that are affordable to him/her. Medical cost is very expensive these days. Just look at the newspaper clip below on how much money we need to pay for cancer treatment? Heart bypass surgery could be around RM50,000.

We have to incur these cost from our pocket money if we want to the best medical facility other than government hospital. Most medical card, if not all, would provided sufficient coverage to pay for all these medical cost.

With medical card, it gives policyholder a power to choose their medical facility. No doubt that government provides cheap and good medical facility in Malaysia but we certainly will not have faster access to treatment. It is very usual to see  a lot of patients flock into government hospital which then causes slow in serving other patients. Hence the outcome as we would see, disgruntled patients complaining. But with medical card, its provides faster access to medical facility in private hospitals with good comfort and peace of mind.

Take for an example of one of the clients, she has to go through endoscopy(what is this?) procedure because of stomach ulcer. With medical card, she was able to undergo the procedure in private hospital in no time. Guess what, the with one night stay, procedure cost and medical pills, it costs about RM3000 for such quick procedure. Not only that, with Hospital Income benefit, she also receives daily allowance of RM300 per night. This is how medical card or comprehensive life insurance comes into benefit, in term of protecting us as a whole. 

When asked whether he or she has medical card, one of the frequent answer is " my company already provided me with medical coverage". But when asked again what are the coverage not all are able to answer definitely. 

Yes it is good that the company provided medical coverage as part of the benefit scheme but we have to ask ourself :

1. How much is the coverage? What is the annual limit 

2. It the coverage provided sufficient?

3. Most importantly, if we are suffering from pro long illness  that require long term medical treatment, will our company continue to finance our hospital bill such as kidney dialisis. 

Of you are able to answer above question, you should be able to asses the level protection that you would need to protect yourself from unexpected and unforeseen unfavorable medical events.

The existence of medical card provides a comprehensive solutions to the above problems. With Prudential medical cards; Pruflexi med and Pruhealth policyholders will benefit from the following:

1. High medical coverage. Policyholders will have the options to choose their own limit with 

    minimum of RM50,000. In addition, the lifetime limit provided is 20 times the annual limit. 

   Some of are lucky to have huge sum of saving to pay the high medical bill. For others, it might take      some time to accumulate high medical fund. With medical card, it provides instant medical fund just 

   as low as RM100 per month. 

2. Faster access to medical facility

3. Protection against high medical cost - Yes, medical cost is increasing and it is increasing every        year and higher rate. 

4. Peace of mind - Yes, you will get better and more comfortable treatment from Prudential panels     

   hospital. Do not have to worry about medical bills. You are covered.

5. Your company medical card expired once you stop working - YES, you are unprotected when 

    you retired. Getting life insurance is a way to protect your self and your wealth after retirement. 

   Why risk your hard earned money to increasing medical bills?

In conclusion, we are all exposed to some level of risk. At any point of time accident could happen. This lead to loss of lives, permanent injury, unexpected grievance and also financial loss. Can we do something about it? Yes we can.

Insuring our self with the right product, leave not only comprehensive protection for us but also to our family. In the end, the family and the wealth we have built would not be loss to the unforeseen event.

Below is the sample brochure of Prudential Pruflexi med product:

For more comprehensive insurance coverage inclusive Medical card, please click here.

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