Prucash Premier

Saving 10yrs Guaranteed Cash Payout for 5,10,20yrs

PRUhealth Waiting Period

When your agent submits your proposal it will usually take1-2 working days for the policy approved (provided there is no medical requirements and that the credit card can be deducted)

Upon Policy Approval - PRUHealth can cover ACCIDENT related admission

Normal sickness - After 30 days from the time the policy is approved. Note: you need to pay first and then claim later. See below

Hospital Admission Service (HAS) - HAS means that the medical card is "online" meaning you don't have to pay first and then claim later when hospitalized. This takes place around 90 days from the policy approval.

7 Specified Illness please wait 120 days from policy approval for coverage to be effective Stones in the urinary and biliary systems,Hypertension or cardiovascular diseases (except heart attack),Diabetes mellitus,All tumors, cysts, polyps or cancer,Surgery of the sinus, nasal septum or tonsils, Hernias, haemorrhoids or fistulae, Endometriosis or dysfunctional uterine bleeding.

Waiting Period is not to make our clients suffer but more of a Bank Negara Guideline to protect insurance company from fraud cases. "Already sick then want to buy to claim cases"

Unsure what this all means please email me or sms me.

PRUHealth worldwide coverage overseas

PRUHealth covers you 24x7 when you are travelling overseas. Prudential has tied with International SOS to ensure that you have access to the best medical coverage overseas. Simply call the 24 hour Hotline number 603 2711 9599 (reverse charge) toll-free number and you will have access to Travel Assistance, Telephone Medical Advise, Arrangement of Dr's Appointment. and many more services

The cost will be reimbursed to you when you return back to Malaysia. Note we cannot cover you overseas if you are outside Malaysia for more than 90 days consecutively.

What is PRUhealth ?

PRUhealth is a NEW medical plan from Prudential.

It is the First Medical Card in Malaysia that you both when you are sick and gives you a Non Claim Bonus (NCB) when you are Healthy.

  

The key features of the plan is that

• It gives you a Non Claim Bonus for every year that there is no claim (up till RM500 per year)
• Pays your medical bills when you are not
• For those who want a longer coverage. You can choose to have GUARANTEED Renewal till age 70, 80 and 100.
• An option to Waive the Annual Limit of the Plan
• Affordable from RM 100 per month for age 18 and above. RM 50 for children .

Why PRUhealth so special?
PRUhealth is the first and currently the only medical plan in Malaysia that rewards you when you don't make a claim.

Many Malaysians including myself never used our personal medical card because we were careful to avoid illness or accidents. We make an effort to "Stay Fit and Healthy". In the other insurance health plan, we have been paying premiums without getting any benefits.


There are also many Malaysians who when hospitalized will use their existing company/employee group insurance. Since most medical bills cannot be paid twice, we cannot benefit from our personal medical card.

Now with PRUhealth, you can get a Non Claim Bonus for every year that you don't make a claim on your PRUhealth card.

PRUHealth Coverage Plans

PRUHealth comes with in five plans to cater for your budget and desired protection.

For Adults:
PRUHealth 100 gives you a coverage of RM500,000 for a premium starting as low as RM100 per month.

For Children:
PRUHealth gives you a coverage of RM500,000 for a premium starting as low as RM60 per month.

This allows you to be treated by some of the best doctors both government and private without having to worry about the expensive cost

Some of just a few of our panel hospitals. Click here for Completed List


Our most comprehensive plan PRUHealth 400 on the other hand covers medical coverage till RM1,500,000.00 !!

The complete table of the plan can be shown as below :-
With PRUHealth as your medical card, you can be can be sure of easy hospital admission. Just present the PRUHealth medical card upon hospital admission.
 

 
 
 
 

















PRUHealth covers comprehensively the hospital bill which will include:-

a) Doctor Consultation Fee
b) Surgical Costs (minor and major)
c) Medicine
d) ICU
e) Room Fee
f) Pre-Hospitalization
g) Post-Hospitalization
h) Day Surgery Benefit
i) Cancer Treatment
j) Kidney Dialysis
k) International Coverage

If you need a quotation based on your age and working occupation OR a detailed explanation kindly email me at sausen725@gmail.com or call 017-3359811

Panel Hospitals and What we Cover ?

PRUHealth can be used in all hospitals private and public hospitals.

We cover the in-hospital related services fee (room, doctors consultation, lab charges, nurse, medication, etc.) as well as the pre-hospitalization charges (30 days) and post-hospitalization charges (90 days) .

With our hospitals alliance services, over 60+ private hospitals are our panels where you need to just pay a samll refundable-deposit usually around RM200 just for admission. We will then settle the bill accordingly directly with the hospital. No need for you to pay first and then claim back.

This panel hospitals are throughout Malaysia. For a complete list please email me at sausen725@gmail.com
 
Only for non-panel hospitals, should the customer need to pay first and then claim later.

How does Prudential pay the Annual Claim Bonus ?

By default, the PRUHealth annual Non Claim Bonus (NCB) will be paid at every anniversary of the policy start date.

The full NCB amount will be deposited into your Investment Unit Account (IUA). You can have a choice of leaving it in the IUA to be invested (gaining attractive compounded returns that can be cashed out later) OR withdraw for any purpose. For withdrawal allow up to 3 working days to get the cheque.
 

Note: There is no service tax or charges imposed by Prudential on the NCB amount

PRUlink Assurance Plan

WE ALL NEED THE FLEXIBILITY FOR CHANGE
WHY PRUlink assurance plan accounts is the first account to give you that flexibility and control in meeting your protection and investment needs. It is an investment-linked life insurance plan for the whole life with regular premium payments that puts you totally in charge. You have the freedom to control both the amount of money you wish to invest and how much you want for protection.


Some Benefits that you can attach with Prudential Assurance Plan

1. Life coverage
2. Critical Illness coverage
3. Accidental Death and Disablement
4. Medical Card to cover hospital bills
5. Hospital Allowances and Income
6. Savings via Investment Link Funds
7. Weekly MC via accident indemnity

An Overview Below is an overview of Prudential Assurance Plan

PRUlink Assurance Plan
puts control back in your life

One of the few things we know for sure in life is that our needs will change; often in ways we least expect.

PRUlink assurance plan is THE insurance plan that you have been looking for. Not only does it give you comprehensive protection for eventualities like critical illnesses, disability, accidents and hospitalisation, it also provides you with flexible investment opportunities. You can customise benefits according to what you or your family need. Best of all, you can start this plan with a minimum of RM100 a month! Let the new PRUlink assurance plan put control back in your life!

Prudential Malaysia Co-insurance

Prudential Medical Plan which is PRUhealth or Major Medical Cover is subject to co-insurance


What is co-insurance?
Co-insurance is a cost-sharing arrangement under which the policyholder pays a specified percentage of the cost of an eligible benefit. The remaining balance is paid by the Company.

How much is Prudential Malaysia co-insurance ?

Hospitalization
10% co-insurance with minimum RM300 and maximum RM1000.

Example,

Hospital bill RM2000 – 10% co-insurance is RM200 – NO as minimum RM300 – Total payment is RM300

Hospital bill RM5000 – 10% co-insurance is RM500 – Total payment is RM500

Hospital bill RM50,000 – 10% co-insurance is RM5000 – NO as minimum RM1000 – Total payment is RM1000


Outpatient

10% co-insurance with maximum RM2000.

Other insurance company didn’t charge co-insurance or given smaller scale of co-insurance?

The answer is YES. But please aware that , other insurance company will charge you 20% co-insurance if you are not following the room plan.

Prudential Malaysia co-insurance is simple and pure. 10% co-insurancewith minimum RM300 and maximum RM1000. No other small clause and conditions.

For example below is room plan for PRUHealth.

If you are subscribing for PRUhealth 200 Plan, you are entitle for RM200 room.


Example,

You are taking RM200 room exactly as in plan.

Hospital bill RM50,000 – 10% co-insurance is RM5000 – NO as minimum RM1000 – Total payment is RM1000

You are taking RM220 room

Hospital bill RM50,000 – 10% co-insurance is RM5000 – NO as minimum RM1000

7 days in hospital x RM20 (extra room price) = RM140

Total payment is RM1140

But above is not applicable to another insurance company

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If you are subscribing for Medical Plan which you are entitle for RM200 room.

Example


You are taking RM200 room exactly as in plan.
Hospital bill RM50,000 - 100% paid by insurance company (NO co-insurance)

or

Hospital bill RM50,000 – 10% co-insurance is RM5000 – NO as minimum RM500 (Smaller scale 10% co-insurance with maximum RM500)

Total payment is RM500
You are taking RM220 room

Due to not following the plan, you be charged with 20% co-insurance

Hospital bill RM50,000 – 20% co-insurance is RM10,000 Total payment is RM10,000!!!


Prudential Co-Insurance is honest and transparent.

Prudential Malaysia co-insurance is transparent and declared in our brochure. Potential customer aware of this co-insurance before signing up.

With 10% co-insurance with min RM300 and max RM1000 is the best! We are not charging you extra because of not following the plan.

The truth is, you will never follow your plan.
You are signing up insurance for your medical protection as long as possible. You need it now and you need it 5 years and 10 years later.

How possible the room price RM200 today will be remain the same price at 5 years or 10 years later? You know price of everything increased everyday.

If you are not with Prudential, please prepare with 20% co-insurance with no maximum limit. This is what you want? The insurance company declaring NO co-insurance up front but the small details, you will be charged 20% co-insurance if not following the plan.

It would be great if no co-insurance at all.
Before 2003, Prudential Malaysia medical card is without co-insurance. Since 2003, Prudential medical card is subject to co-insurance under advised of Bank Negara Malaysia.

Dont worry about Prudential Malaysia co-insurance.

We reward you with Hospital Allowance
RM250 per day if you are admitted to hospital.

RM250 x 7 days = RM1750. Pay RM1000 for co-insurance and you take RM750 to your pocket.

Other insurance companies also giving Hospital Allowance, what is the different?

Prudential Malaysia policy holder is entitled for Hospital Allowance when they are admitted into PRIVATE and GOVERNMENT hospital.

Other insurance company giving hospital allowance only if you are admitted into GOVERNMENT hospital. The question here is, what is the purpose of rewarding the policy holder if they are admitted to GOVERNMENT hospital only.

We all know that, we are having Medical Card, so we have good treatment and service in PRIVATE hospital and insurance company pay the bills. Why need to go GOVERNMENT hospital when you are having a medical card?

New Prudential Policy Document Look 2010. Prudential Assurance Malaysia Berhad

All about PRUcash double reward. Prudential Life Insurance

Prudential launched a new policy called PRUcash double reward. It is a regular premium anticipated endowment plan that gives you an annual guaranteed payout from the end of the first policy year in addition to coverage on death and Total and Permanent Disability (TPD).

Without the jargon, it simple means it is an endowment plan that pays out a guaranteed sum every year from the end of first year till the policy matures.











































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.

Note:

The projected values are for illustrative purposes only. They are neither guaranteed nor based on past performance. The projected values assume current law, tax and prescribed investment returns. In this example, the policy is assumed to earn a gross investment return of 7% p.a. The projected maturity benefit received of RM222,181 is the sum of the Compounded Reversionary Bonus + Terminal Bonus + Sum Assured + final year annual guaranteed payout. Please refer to the sales illustration on the derivation of all guaranteed / projected values.


Why Double Rewards?


1. Sum Assured
For policy year up to 5 years = Initial basic sum assured
For policy year 6 onwards = 2x initial basic sum assured

2. Annual guaranteed payout
For policy year end of 1st to end of 5th year = 3% of Basic Sum Assured
For policy year end 6th year onwards = 6% of Basic Sum Assured i.e 2x the initial payout

For more info or detail explanation, please email me.

What is PRUmychild. Health and Medical Insurance for baby from Prudential

PROTECTION for every stage in your child’s life… even BEFORE BIRTH

PRUmy child gives you control and flexibility to design a complete plan for your child. Offering an unparalleled choice of protection benefits ranging from health, hospitalisation, accidental and critical illness benefits, you can be confident that your child’s future is secure.

Aiming to give you peace of mind when it comes to your child’s needs, the new PRUearly start and PRUbest start benefit under this plan offers your child protection during the crucial pregnancy and infancy periods under the Pregnancy Care Benefit and Child Care Benefit.

A Simple Illustration of how PRUearly start and PRUbest start works

Congenital conditions covered under:

PRUearly start
Anal atresia
Congenital Cataract
Congenital Deafness


PRUbest start
Anal atresia
Atrial Septal Defect
Congenital Cataract
Congenital Deafness
Congenital Diaphragmatic Hernia
Infantile Hydrocephalus
Tetralogy of Fallot
Transposition of Great Vessels
Truncus Arteriosus
Ventricular Septal Defect

You can further secure your child’s wellbeing with the new
PRUessential child that offers coverage against child specific illnesses such as


• Severe asthma

• Leukaemia

• Insulin-dependent Diabetes Mellitus

• Rheumatic fever with valvular impairment

• Kawasaki Disease with heart complications

• Severe juvenile rheumatoid arthritis

• Glomerulonephritis with Nephrotic Syndrome

• Severe epilepsy

• Intellectual Impairment due to illnesses or accident


Please contact me for brochure

Set your own budget for medical card. PRUhealth Malaysia

Do you want to have medical card? How much the price?How about you set the price?

Email me as follow
1. Full Name
2. Date of Birth
3. Gender
4. Smoking or not
5. Monthly budget for medical card *minimum for adult is RM100

Then, I will reply your email with details benefits you will received.

Email me at sausen725@gmail.com

PRUhealth Medical Card. Select the plan of your choice

选择您想要的计划种类:

Benefits of PRUHealth Medical Card Plan

COMPREHENSIVE coverage for hospitalisation and surgery bills
PRUhealth is a plan that provides COMPREHENSIVE medical coverage by reimbursing your major medical expenses incurred in the event of hospitalisation, surgery or outpatient treatment. Get peace of mind when you need it the most!


Enjoy NO CLAIMS BONUS
An innovative medical plan that rewards you with annual bonuses1 of up to RM500 when you do not make any claim for the year. Your bonuses will automatically be credited in the form of additional units to be invested into funds of your choice, thus increasing your
investment value, or to be withdrawn+ should you have the need to.

An option to WAIVE the annual claims limit
Worried that your medical bills might surpass your annual limit? You are now given the flexibility to waive the annual limit of your plan by attaching an optional PRUannual  limit waiver rider2 to your PRUhealth plan which enables you to make claims above your annual limit.

CHOICE OF PLANS to suit your budget
From as low as RM100 a month, you can choose from 5 different PRUhealth plans to suit
your lifestyle and needs.

Coverage of up to age 100
PRUhealth gives you the choice of protection through all stages in life by covering your  medical bills even up to age 100!

PRUhealth. Medical Card Plan up to 100 years old

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.

Protect your financial with us! We double up your wealth. We protect you. We protect your family.
Call me today for appointment

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.