PRUmychild. Health and Medical Insurance for baby from Prudential

COMPLETE 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

PRUmy child. Coming Soon. Insurance for baby

PRUmy child provides you a peace of mind knowing that all you hopes, wishes, and dreams for your child are well secured. It gives you:

# First-of-its-kind plan that offer cover during pregnancy and infancy period

# A complete protection for every stage of your childs life even before birth

# Provides additional protection for parent to ensure child will continue to enjoy uninterrupted protection and benefits should unfortunate event happen to the parent.

# Plant a seed towards secure education fund for your child


***coming soon on 24-02-2010***

No claim? We Reward you with bonus! Pruhealth Medical Plan. Prudential Insurance.

PruHealth Medical Plan . No Claim Bonus (NCB)

If you are healthy throughout the year and never made any claim, you are entitle for a bonus.

The bonus not given to you in cash. The bonus will channel into your investment account.

Why Prudential do that?

Simple explanation is, when any bonuses automatically rewarded to your account… 100% sure that you will spending the bonus…

But when the bonus inserted to the investment account… the amount of bonus will grow because it is invested..

You may withdraw the money from the investment account but you will withdraw it when you really need it..
or you see good profit growth in your investment and you decide to withdraw.

If you never made any claim , for example 10 years, every year you will be getting RM300 bonus.(PHL200 Plan)

10 years = RM3000
in investment account… the RM300 received yearly will be grow and accumulated every year…
thus your bonus is far more greater than Prudential given you actually..

It is up to you to withdraw the bonus or not. But if Prudential automatically credit bonus to your bank account. We know you will spending it and never invest it

Let me throw a questions here.

Every year you made claim from your medical card? From 5 years.. only just 1 year you made claim?

Specially for medical card for kids. We subscribe for medical insurance for our kids for their protection and investment for future education.
From statistics, kids rarely claim for medical card because they stay healthy.

If you sign up from age 1 and never made any claim till age 18 years :

Pruhealth Plan 200 the NCB is RM300 per year.

RM300 x 18 = RM5400.

It is not going to be just RM5400. The amount will grow maybe around RM8000 because the bonus invested.

You are getting RM8000 for free and plus your own investment for your kids for example RM15K

Upon 18years old, you want to withdraw it there are around RM23K there for your kids.

Your medical card never gives any reward if no claim made? Switch to PRUHealth today!

What are you waiting for? Sign Up today with Prudential Malaysia Insurance

What are you waiting for? Premium will be increased every year.

Younger people at age 24 which paying at RM200 per month will pay the same price till rest of the life. You are thinking to sign up for an insurance at age 30 , 40 or 50 later? You cant have the same benefits at RM200. At least RM250 for the 30 years old person.

Insurance is a must product for everybody and you know it. Life unprotected with many uncertainties if you not having any insurance policy.

What is holding you?

Financially? . Put aside your unnecessary TV subscriptions, magazine subscriptions, ringtone download, SMS subscriptions (ON *****) , fancy dinners, clubbing/partying , car accessories/modification, high end gadget (LCD tv, bluray) , uptodate handphone/PDA , branded handbag, SPA reflexology, designer saloon, buy DVD every week, and etc.

So delaying means you are not financially sense right?

The more you delay, expensive the premium become.

Please email me your details if you want to what the suitable plan for yourself and how much the premium monthly.

my email is yeongfeng1988@yahoo.com

Why I need life insurance? Prudential Malaysia Insurance

Hi,

You can find the answer out there, why do you need life insurance. Me as insurance agent, I want to share, why we need life insurance.

1. Income protection for your family

2. Force savings and investment fund

With life insurance plan which is Investment Link. Im not just paying for the insurance. I do my own savings with the plan. Saving is a discipline matter. With insurance plan, I can discipline myself to save every month.

Im paying RM250 per month for Prulink Assurance Plan which I will be having total savings of RM110K upon age 55. Pretty good right? This is additional money for my retirement

2. Medical Card

As insurance agent, I know well about the cost of medical treatment in Malaysia private hospital.

Dengue for 14 days admission will cost your RM10,000. Minor sinus operation RM6000. H1N1 for 3 days admission will cost your RM2500. Bypass artery operation cost you RM90,000!

I cant afford all the medical bills above and if i have the money, i will use if for my medical bills and left nothing for my retirement later as I cant do savings.

With PRUlink Assurance Plan, I have PRUhealth Medical Card and PRUhealth pays for the medical bills. My investment every month safe there and protected.

It is a very good plan, your money still there and the medical bills been paid.

Critical Illness Income

I work to do sales everyday, which mean i need to stay healthy and able to travel around Malaysia. But, what happen to me when Im critically ill? I need to support my family. With PRUlink Assurance Plan, I choose to have critical illness income if Im critically ill.

I wish I’m not critically ill, but when it happen I don’t want the condition become worst as I cant do work anymore.

Medical card

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.

Have you ever taught 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.

Which one should I choose? Why Prudential Medical Card?

There are lots of medical card in the market. Why Prudential best of all?

1. Prudential medical card is guaranteed renewal and non-cancelable. Not all company have this features which they have right to terminate your policy if you are claim too much or you are to risky for the company to insured. With Prudential your will be us forever and not will be canceled.

2. We gives hospital allowance to private hospitals and government hospitals. Eg. RM350 per day. Our competitor only gives hospital allowance if you are admitted in any government hospital. So what the purpose of having medical insurance if you want to be admitted in government hospital right?

3. We have the best private hospitals in Malaysia for you medical treatment.

4. We will gives you bonuses if you didn’t make any claim in a year. Eg, RM500

5. If you are diagnosed with Critical Illness, your premium will be paid by Prudential. No more payment taken from you. If you pay for your kids insurance, Prudential also paid the premium for them. No payment but you and family still under coverage by Prudential.

6. Prudential medical card is our product. Handle and manage by us. Our competitor use third party company to manage medical card operation. You know if too many party participant in your claim process, error and delay will happen.

7.Prudential Medical Card have the best and big limit coverage, up to RM1.5 Million.

8. Prudential been in Malaysia since 1924 and trusted by many. Not many company survived from 1924 till today. This shown our financial is strong and able to protect you.