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

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.

Siapakah yang memerlukan Insurans dan MENGAPA?

Pada satu peringkat di dalam kehidupan anda, pasti anda akan tertanya-tanya:

1. Adakah anda perlu memiliki perlindungan insurans?
2. Berapa banyakkah perlindungan insurans yang mencukupi?

Anda bukan seorang sahaja yang memikirkan perkara ini dan bukan anda seorang sahaja yang terlintas untuk memiliki insurans. RAMAI orang menghadapi masalah yang sama iaitu persoalan tentang insurans pada suatu peringkat di dalam hidup mereka.

1. Adakah anda perlu memiliki perlindungan insurans?

• YES, jika anda sudah memiliki keluarga ( isteri dan anak-anak). Bagi seorang ketua keluarga, liabiliti pada keluarga ini adalah yang terutamanya KEHILANGAN PUNCA PENDAPATAN AKIBAT KEMATIAN, HILANG UPAYA UNTUK BEKERJA, MENGALAMI PENYAKIT KRITIKAL SEPERTI KANSER ATAU TERPAKSA MEMBIAYAI KOS PERUBATAN YANG TINGGI. 

         Dugaan  di atas boleh menyebabkan, kehidupan keluarga anda terganggu dari segi sudut 

         kewangan dan juga emosi. Dari segi kewangan, ini boleh menyebabkan proses pembelajaran 

         anak-anak mungkin terganggu akibat kesempitan wang untuk membiayai sumber pembelajaran

         terbaik. Bagi isteri(yang tidak bekerja), kehilangan punca pendapatan akan memaksa mereka

         untuk memikul tanggungjawab sebagai bread winner in the family. Banyak lagi senario yang boleh

         di berikan akibat dugaan2 seperti di atas.

    

         Tetapi, dengan perlindugan insurans, keadaan mungkin akan lebih baik jika di bandingkan dengan

          keadaan tanpa insurans. ADAKAH ANDA TIDAK AKAN DI TIMPA MASALAH 

          KEWANGAN LANGSUNG JIKA MEMILIKI INSURANS?  Mungkin ya dan mungkin tidak.

          Ini bergantung kepada bajet semasa anda dan juga hasil perbincangan anda bersama isteri

          tentang segala kemungkinan yang bakal di hadapi.

• YES, jika anda baru sahaja berkahwin dan ingin memulakan keluarga. Di samping sebab-sebab di atas, kebiasaanya pada tahap ini, anda masih muda. INGAT: SEMAKIN UMUR ANDA MENINGKAT SEMAKIN MAHAL HARGA INSURANS. Jadi , kebiasaannya, pada umur muda, amatlah di galakkan untuk membeli insurans pada harga yang lebih rendah berbanding jika di beli di kemudian hari. Bukan sahaja ia dapat memberikan perlindungan kepada keluarga anda, malah insurans juga adalah sebagai your wealth protection daripada kecelakaan yang tidak diduga, seperti terpaksa membiayai kos perubatan yang tinggi.

• YES, jika anda masih muda.  Seperti di atas, pada umur yang masih muda, harga insurans lebih murah. Jadi, amat di galakkan untuk membeli insurans pada usia yang muda. Salah satu produk Prudential ialah Prulink one (Investment link product). Bukan sahaja ia memberi perlindungan secara komprehensif, malah ia juga bertindak sebagai instrument pelaburan bagi masa depan anda. Sebahagian premium yang anda bayar akan di gunakan untuk membeli dana-dana yang terdapat di Malaysia. Pada polisi Prudential akan diberikan carta keuntungan pelaburan anda (di antara 2-9% annually).

• YES, apabila tukar pekerjaan.  Apabila anda bertukar pekerjaan, sudah tentu ia datang dengan kenaikan gaji atau pangkat. Secara logiknya, taraf hidup akan semakin meninggkat. Dengan pendapatan yang lebih tinggi sudah pasti perbelanjaan anda pon juga meninggkat. Adalah penting pada saat ini anda mengkaji semula samada ada coverage insurans anda mencukupi untuk mengekalkan taraf hidup yang sama jika ada perkara yang tidak diingini berlaku.

• YES, menjaga kebajikan ibubapa.  Ibu bapa kita telah berkorban wang dan masa untuk memberikan kehidupan yang bermakna. Adalah menjadi tannggungjawab kita untuk membalas budi mereka setelah kita memulakan perkerjaan dan boleh hidup berdikari. Bagi anak-anak muda yang baru memulakan perkerjaan, adalah kemestian bagi mereka untuk mendapatkan perlindungan insurans. Cuba bayangkan, jika apa-apa berlaku kepada anda, adakah simpanan anda mencukupi untuk tanggungan mereka atau jika anda sakit dan tidak mampu bekerja, adakah anda masih mahu membebani mereka untuk menjaga anda. Perlidungan insurans Prudential boleh memberikan manfaat wang pampasan kepada mereka atau anda yang boleh digunakan untuk mengurus dan menyesuaikan diri dengan gaya hidup yang baru.

2. Berapa banyakkah perlindungan insurans yang mencukupi?

Ini merupakan diantara soalan yang sering ditanya, berapa perlindungan insurans yang diperlukan?

• Berapa banyakah pampasan kematian atau hilang upaya yang mencukupi jika kecelakaan berlaku?
• Adakah ianya cukup?
• Berapa banyakah had tahunan dan had seumur hidup medical card yang di perlukan jika terpaksa meneruskan operasi perubatan yang mahal?
• Jika sudah hilang upaya, bagaimanakah saya ingin meneruskan hidup tanpa punca pendapatan?

Samada perlindugan insurans cukup atau tidak bergantung kepada bajet anda. Prulink one (to know more click here) menyediakan perlindungan dengan serendah bayaran bulana sebanyak RM 100 sahaja. Tetapi adakah ia mencukupi?

Di bawah adalah check list/soalan yang anda boleh fikirkan ketika hendak membeli insurans. Nasihat saya, it is better that anda berbincang secara terbuka dengan orang kesayangan anda( seperti isteri) mengenai liabiliti yang bakal di hadapi jika berlaku sebarang kesusahan.

• Berapakah perbelanjaan bulanan anda? Ini termasuk bayaran installment rumah, kereta, elektrik , makanan dan sebagainya. 
• Berapakah perbelanjaan untuk sekolah anak-anak anda untuk terus melanjutkan pembelarajan mereka?
• Berapaka perbelanjaan yang diperlukan oleh isteri anda atau simpanan yang diperlukan untuk memberikan keselesaan dan ketenangan minda/ or peace of mind dalam mengharungi ketiadaan ketua keluarga?
• Berapakah perbelanjaan yang diperlukan oleh anak-anak anda sekirangnya di masa depan mereka memerlukan wang untuk melanjutkan pelajaran ke universiti?

Setelah anda mendapat anggaran belajawan bulanan, forecast jumlah belanjawan yang di perlukan untuk beberapa tahun?

Contoh:

Belanjawan bulanan:

1. Rumah                              RM1,500 (selama 20 tahun)

2. Kereta                               RM 700

3. Elektrik                             RM 200

4. Makanan                           RM 500

5. Belanja sekolah anak         RM 500

6. Simpanan Isteri                  RM 500

7. Simpanan Anak                  RM 200

8. Lain-lain                            RM 1000 

Jumlah                                  RM 5100.

Forecast untuk x tahun

a. 1   tahun   RM61,200

b. 5   tahun   RM 306,000

c. 10 tahun   RM 612,000

Di atas adalah kemungkinan wang yang diperlukan untuk meneruskan kehidupan yang selesa bagi keluarga anda. Selebihnya bergantung kepada perbincangan anda dan isteri serta bajet yang anda sanggup peruntukkan untuk pembelian insurans.

Tugas sebagai agen adalah untuk memberi nasihat berkenaan dengan produk-produk insurans yang mungkin di perlukan anda. Jika anda mempunyai bajet tersendiri atau terhad tugas saya adalah untuk meletakkan wang anda kepada jenis perlindungan yang lebih diberikan prioriti.

Jika ada sebarang pertanyaan atau soalan  sila hubungi saya di 017-215 6766 atau sms di mmcheumar@gmai.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