PRUMYCHILD

Plan For Your Child's Future NOW!

PRUmy child is the 1st Insurance / Savings Plan in Malaysia that provides protection to a foetus as well as the pregnant mother . If you have children under the age of 18, you can also buy this plan for them for lifelong complete protection and guaranteed education savings

# A complete protection for every stage of your child's life even before birth 

# Additional protection for parents to ensure their child will continue to enjoy uninterrupted protection and benefits should any unfortunate events happen to either parent.

# Planting a seed towards secure education funds for the child.

ALSO FIRST IN MALAYSIA to cover Pregnancy Complications!

 

 

 

Why Purchase Prumychild?

 

Pregnancy complications have been steadily increasing with nearly 1 out of 2 women experiencing pregnancy complications. (Source ministry of health, malaysia)

Also the incidence of congenitial illness amongst children with complications is fairly sizeable at 18.5%

Most insurance companies do not offer insurance cover to a foetus. Even if you wanted to cover a newborn you have to wait till they are 2 weeks old. This leaves a period where your child cannot be insured.

PRUmy child allows you to cover your child while they are still in your womb as early as 18 weeks into pregnancy.

Additionally,  PRUmy child offers added protection to you and/or your husband should anything happen to you. This help guarantees your child future education and needs.

Summary of Prudential Benefits:

• Buy PRUmy child and attach it with full range of benefits/riders before birth
• Upon birth, no re-underwriting required *
• Even if the child is born with abnormalities, he/she will still have full insurance protection, if the cover is purchased before the birth of the child **

* Provided no increase in benefits after child birth

** Subject to terms and conditions in policy documents

What Competitors Offer:

• Currently, competitors do not offer insurance covers before birth
• When buying insurance policies after birth, the child will be subject to underwriting requirements
• If the child is born with abnormalities, he/she might not be accepted as standard risk 

PRUmy child offers a comprehensive protection package that begins before birth for pregnancy, infant coverage, child health, and child education.

The benefits of PRUmy child include:

• Medical card - pays for hospitalization bills
• Hospital allowance - pays a cash allowance for each day the child is hospitalized
• Accidental death and disablement - pays a lump sum for accident that causes death or disability
• Accident medical reimbursement - pays back the cost for clinical bills due to accidents
• 36 critical illnesses covered - pays lump sum if child is diagnosed with any critical illnesses and also makes the policy free of charge until age 100
• Death coverage - pays nominee the death benefit
• Family protection - makes the policy free of charge if the parent is diagnosed with critical illnesses, death, or permanent disability
• Education fund - savings for the child education, can be withdrawn anytime  

WHO Can Buy This Benefit?

- You can take up this plan for your unborn child as early as 18 weeks into your pregnancy of for your child who is between 1-18 years of age on his next birthday. 
- Pregnant ladies between 18 to 45 years old next birthday

WHAT does PRUmy child Cover ?

- Pregnancy Complications

- Death of foetus, child, and mother

- ICU / HDU for premature birth

- Incubation of new born

- Hospitalisation due to congenital conditions- Medical Card to pay hospitalization bills
Besides covering the health of the mother and child, PRUmy child can also include savings for your child’s education as well parent’s protection. 

 

To request for a detailed free quotation. Please provide fill up the following information

 

Name :

Date of birth (include wife age too if for pregnancy coverage) : 

Expected due date:

Contact Number:
Occupation:

How many children you currently have :

Is your wife currently pregnant : yes/no

If yes : When is the expected delivery date ?

If no : How old is your child ?

What do you need PRUmy Child to cover ?

i) Pregnancy Coverage : yes/no

ii) Medial Coverage : yes/no

iii) Parents protection : yes/no

iv) Education savings : yes/no

Sign up PRUHEALTH MEDICAL CARD NOW!!

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 nowadays?

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.

PRUcash double reward

SHORTER PREMIUM PAYMENT terms with LONGER CASH PAYOUT terms

PRUcash double reward offers you various plans tailored to your individual lifestyle and needs. You can choose to pay premium for 5, 10, 15 or 20 years, while enjoying benefits up to 40 years.

A simple illustration of how PRUcash double reward works

The diagram above summarises the basic structure of the PRUcash double reward for a male non-smoker, aged 35, with an annual premium of RM20,180, sum assured of RM100,000, for a 20-year policy term plan and a premium payment term of 10 years. Not only will the Annual Guaranteed Payout DOUBLE from policy year 6 onwards ,your Sum Assured.
Who can take up PRUcash double reward (PCDR)?
Any individual between the ages of 1 – 65 years on their next birthday who:
1) Wants a savings plan with DOUBLE PROTECTION
2) Wants a steady payouts and bonuses.
That means, you can also get for your children!

PruBSN Ummah

PRUDENTIAL BSN Takaful Bhd (PruBSN), yakin dapat memberi manfaat kepada umat Islam yang merangkumi kira-kira 60.4 peratus daripada jumlah penduduk negara ini menerusi produk terbarunya, PruBSN Ummah yang menawarkan pelan lengkap mengandungi komponen perlindungan dan simpanan bagi menunaikan haji serta umrah.

Ketua Pegawai Eksekutifnya, Azim Mithani berkata, memandangkan kos menunaikan ibadat haji semakin meningkat, pihaknya mengambil inisiatif bagi membantu mengurangkan kos bakal jemaah haji, sekali gus memenuhi keperluan mereka melalui kaedah yang baru dan menarik.