Latest Plan : PRUmy child!

Posted by Nurul Ariff

A complete protection & edu savings plan that begins frm d womb!

1st ever ins plan in Malaysia yg cover mommy & baby frm preggy! Pru mmg take a big risk to cover baby in d womb. Usually ins for babies can only take paling cepat 2 weeks after baby is born. Now, mommy preggy 18 weeks (>more) can already take a protection & saving plan for d unborn baby…! Plus we cover the mommy also!

Secara kesimpulannya, ths plan covers frm d baby in d tummy –> born –> baby –> toddler –> go to school –> graduate –> married –> working –> retired –> go back to Allah Ta’ala.. A very comprehensive yet flexible plan.. offers to preggy mommies, and also children.. not only for unborn babies but also provide edu+medical plan for children… (age 1, 5, 8.. so on)

We love our children, we want to give them the best, and at the same time we want to protect them, right? Our love begins from their very 1st heartbeat…..

This plan provide so many types of benefits. To plan for ur child, we have to make an appointment

But here, i’ll share with u some of the benefits that we offered for u & baby… During preggy, d benefits tht we offered is 2cover d mommy & also d baby inside d tummy.. But what do we cover..?? (only mommy preggy frm 18weeks-35weeks)

• Pregnancy complications – eclampsia, abruptio placentae, amniotic fluid embolism
• Death of foetus, child & mother
• ICU/HDU for premature birth
• Icubation of new born
• Hospitalisation due to congenital conditions (some of it are illnesses related to heart – which is now quite common to say so cz heard quite afew friends/acquaintances babies are affected by it)

After the baby is born…. we add up our benefits to cover additional child specified illnesses.. (if already take the 36 critical illness plan – then add up with this illnesses will total up to 36+8=44 illnesses covered!)

• Glomerulonephritis with nephrotic syndrome
• Severe Asthma
• Severe Epilepsy
• Leukaemia
• Insulin-dependent Diabetes Mellitus
• Rheumatic Fever with Valvular Impairment
• Kawasaki Disease with Heart Complications
• Severe Juvenile Rheumatoid Arthritis
• Intellectual Impairment due to illnesses or accident

u can take all d other benefits for d baby if u opt for it – other benefits such as critical illness (36), accident, medical card – PRUhealth, hospital allowance etc…

We also give u options for d child’s edu fund, either u want the lump sum fund or d annual guaranteed income of fund!

Furthermore… (ada lagi??? wahhh…. ) we also add up benefits for the parents! Should something happen 2u, hw do u ensure that ur child will continue 2enjoy uninterrupted protection & benefits?? Solution…. we have.

Should something happen to you…

1) We will continue 2pay d future premium 2ensure d plan carries on 2provide protection & savings

2) Will provide a lump sum payout 2help with immediate expenses

3) We’ll gives ur child a monthly income 2help pay for ongoing expenses!

ISN’T THIS GRRREAT? But how…? Got questions? We’ll set an appointment, and i’ll explain every bit of details how this can be part of your family protection plan

Thus, START EARLY! SAFEGUARD YOUR CHILD’S FUTURE NOW!

TAKAFULINK

Posted by Nurul Ariff

Takafulink plan is a plan for both adult & children. Takaful Health is the medical card that can be attached to the Takafulink plan. Get it?

The best thing of being attached to the Takafulink plan is that, if the policy holder is diagnosed with the 36 critical illness (either one), the whole plan (including the medical card!) is FOC for life - meaning all the benefits that you have taken up in the Takafulink policy is free, no more contribution to the PruBSN Takaful BUT PruBSN Takaful will contribute for you every year till maturity.. your future saving is secured PLUS your medical bills also secured… Good? Great rite?

Takafulink plan is a very comprehensive plan which consists of so many types of benefits depending on the client needs. Of course the basic benefits are:

• Death / Total Permanent Disabillity (TPD)
• Critical Illness
• Accidental Death & Disablement

Other additional benefits are:

• Medical Card – Takaful Health
• Hospital Allowance
• Surgery Allowance
• Accident Medical Reimbursement (AMR)
• Weekly Indeminty (WI)
• Crisis Cover Incomen (CCI)
• Contributor / Spouse Contributor / Parent Contributor
• Takaful Saver
• Takaful Saver Contributor / Takaful Saver Spouse Contributor / Takaful Saver Parent Contributor
• Disability Provider

Takafulink is a very flexible plan. You have the options whether want to add/enhance the benefits later on, provided that your health condition is still in good shape. Meaning you don’t have to take up another policy, simply adjust the current policy to suite your current needs.

Also for women, we can attach a special additional benefits for women, Takaful Puteri

What are Takaful Puteri benefits?

Some of it are:

• Female Related Cancer / Systemic Lupus Erythematosus (SLE) with Lupus Nephritis
  Cancer of Breast, Cervix Uteri, Fallopian Tubes, Ovary, Uterus, and Vagina/Vulva OR Systemic Lupus Erythematosus with Lupus Nephritis
• Carcinoma-In-Situ of Breast or Cervix Uteri
  When subsequently diagnosed with female related cancer or Systemic Lupus Erythematosus with Lupus
  Nephritis, we will pay the balance of 70% of the Lifetime Sum Covered
• Rheumatoid Arthritis with Complications
• Facial Reconstructive Surgery due to Accident
• Skin Grafting due to Burn
• Skin Grafting due to Skin Cancer
• Osteoporotic Fracture of the hip / vertebra
• Breast Reconstructive Surgery due to Breast Cancer
• Pregnancy Complications
  • Disseminated Intravascular Coagulation (after 7 months of pregnancy)
  • Ectopic Pregnancy
  • Late Miscarriage (from day 126 to day 196 of pregnancy)
  • Death of Foetus (after 196 days of pregnancy)
  • Death of Child (within 30 days after birth)
• Infant Congenital Illnesses
  • Down’s Syndrome
  • Ventricular Septal Defect
  • Atrial Septal Defect
  • Spina Bifida
  • Cleft Palate with Lupus Nephritis

This plan also depends which type of Takaful Puteri that you attached to Takafulink to get all the benefits.

Takaful Health Medical Card

Posted by Nurul Ariff

Takaful Health is the latest medical card from PruBSN Takaful Bhd. Anyone between the age nb1-nb60 are entitled to take up the plan.

There are a few options of plans that can be taken up, plan TH100, TH150, TH200, TH300 & TH400.

Our current Takaful Health medical card has a No Claim Bonus (NCB) which means that if no claims were made within that year, a sum of bonus will be payable to the policyholder account (for that year). The NCB depends on which plan of Takaful Health that you take.

As u can see from the plans option above, our lifetime limit has also increased. Even the minimum plan lifetime limit is 1/2 million! And the maximum limit is 1.5 million! Fantastic!

Some of our panel hospitals within the Klang Valley area are:

• Prince Court Medical Centre, KL
• Subang Jaya Medical Centre
• Damansara Specialist Hospital
• Hospital Pusrawi Sdn Bhd
• Ampang Puteri Specialist Hospital
• KPJ Selangor Specialist Hospital, Shah Alam
• Sunway Medical Centre
• Tawakal Hospital
• Assunta Hospital
• Gleneagles Hospital Kuala Lumpur
• KPJ Kajang Specialist Hospital
• Columbia Asia Medical Centre, Puchong
• Institut Jantung Negara (IJN)
• Pantai Klang Medical Centre
• And many more…………

For more details about our panel hospitals in Malaysia, please visit https://www.prubsn.com.my/accounts/prubsn/content.php?p=88

You can also get our brochures from https://www.prubsn.com.my/accounts/prubsn/content.php?p=417

We can say that this card is actually a medical bill ‘prepaid card’. When u have that card, we have inserted AT LEAST RM500,000 worth of medical bill that you can used in your lifetime. True? Definitely!

For those who are working & the medical bills are covered by the company, i congratulate you! Its very good for u! But its not wrong for u to have a personal medical card for your own, why?

1) Currently you are healthy & working with the company, what IF suddenly you fell ill.. and you cannot work anymore.. of course the company covered, but for hw long will the company wants to cover & keep you as an employee? What about your medical limit? Do u knw hw much is your medical/surgical limit your company provided? Let’s say your limit is RM 20,000… suddenly you have to undergo an operation which costs RM 40,000… the balance of the bills? Deduct your salary monthly? For hw long? Do u knw that if u have a medical ins you can claim the medical balance frm your medical ins plan?

2) You work until you retire.. alhamdulillah, u r well & healthy while u r working.. but after retired, you don’t have any medical insurance, right? And illnesses MAY come as we get older correct? You still can take up a policy provided you are still HEALTHY… and you still CAN AFFORD the premium.. when you take a plan early, the premium is actually lower PLUS you get more benefits… but the big question is, are your health condition permits u to take up a plan at that age.. 55? 58? 60? Hopefully.. to be safe, sediakan payung sebelum hujan… klau dh hujan baru nk buka payung, sorila, already basah… :p

PRUlady ~ A Celebration of Womanhood

Posted by Nurul Ariff

What is PRUlady plan? From the name itself, we already know tht it covers ladies.. women..

This plan is EXCLUSIVE plan catered for women.

We, women, play a special role in life, that made Prudential wants to recognise & celebrate (whopeedoo!).

Why PRUlady?

• 81% of M’sian women do not own any form of health or life insurance (really???)
• Nearly 70,000 new cases of cancer reported over a two-year period recently, with breast cancer the biggest threat
• The most common cancer & the number one cause of cancer deaths among women in Malaysia is breast cancer (ref:MAKNA)
• The second most prevalent cause of deaths among female cancer patients in Malaysia is cervix cancer (ref:MAKNA)
• About 1 in 19 women in this country are at risk of breast cancer, compared to 1 in 8 in Europe and in US (ref:Malaysian Oncological Society)
• About 90% of SLE sufferers are women while about 10% are men and children. — SLE: Systemic Lupus Erythermatosus (SLE) is a chronic, auto-immune disease of unknown cause where the patient’s body makes large quantities of blood proteins called anti-bodies that react against the person’s own tissues — (ref:Persatuan SLE Malaysia)

These are some of the facts about health risk & women.

It is better to take care of our health (prevention is better than cure), but who are we to GUARANTEE that even if we take good care of our health we won’t be ill at all? What if we did get ill? Then what? It is better to have a backup plan, if something doesn’t go as we plan.

Sediakan payung sebelum hujan.. Kita hanya merancang, Allah jua yg menentukan..

So about the PRUlady plan…

From the table above, we can see that there are 4 types of plans that u can choose from, either the coverage starts from 25k, 50k, 75k or 100k. U can choose.

On the left is the coverage that we offered such as coverage for the female illnesses benefit (all female cancers:breast cancer, cervix cancer, fallopian cancer etc), SLE etc.

As u can see we also covers during maternity – pregnancy complications (no.8) & infant congenital diseases (no. 9).

Another special coverage for women is the life-stage benefits, which we give the if u

• get MARRIED
• CHILDBIRTH
• DIVORCED
• RETRENCHED
• DEATH OF SPOUSE

Siapa nk bagi klau u berkahwin? Dpat baby? Prudential!!

Another thing is that this plan gives u moneyback benefit IF no claims are made.. or if claims are made we will refund the balance yg u didn’t claim… so..? What have u got to lose right?

The premium? Very affordable.. My age, the max amount is only RM100+.. tu max.. klau min..? around RM50+- per month.. but it all depends on how much coverage u want.. a very very good yet affordable plan.. kan?

I just made a claim for a client becz dia baru jer berkahwin.. dpatla RM750 Pru bagi.. gumbira dia.. hehe later will upload the claim & see it for yourself.. happy happy happy!

Insurance/Takaful sebagai Harta Pusaka?

Posted by Nurul Ariff

Bagaimana menjadikan insurance/takaful plan anda sebagai harta pusaka? Do u know that insurance/takaful adalah salah satu instrumen yg kita boleh jadikan sbg aset/harta yg boleh ditinggalkan untuk anak bini kita.. Bukan semata2 rumah, shop lot, $$ investment, tanah, ASB, FD dll je dikategorikan sbg harta, tetapi insurance/takaful juga adalah harta anda! Believe it? Let me explain why & how.

Apabila meninggal dunia, do u knw that only RM10,000 & kebawah amount of cash money yg bole di-release-kan oleh bank pada pewaris? If u have more than RM10,000 in the bank/FD/ASB dsb, balance akan dibekukan (apabila meninggal dunia), & hutang2 bulanan anda (klau dlm bank/ASB/FD more than tht meaning u hv more commitments rite) waris terpaksa uruskan.. betul? Untuk me-release-kan amount yg selebihnya, terpaksalah anda berurusan dgn badan2 yg bertanggungjawab… Amanah Raya Berhad/AsSalihin Trustee.. Pejabat Tanah dsb.. paling cepat bole release (klau ada wasiat) maybe more than 6months? or more? Klau xde wasiat mungkin bertahun2…. Lagi banyak harta lagi laa lama nk settle sbb.. waris2 mungkin berebutkan bahagian masing2… Lumrah dunia… Ini termasuklah harta2 lain spt rumah, tanah dsb. Jadi, sementara itu bgmana waris anda nk survive?? Bank, lawyers.. sume dh bising minta hutang dilangsaikan… Kesian waris terpaksa pening kepala cari jalan bgmana nk settle kan all the debts…. Salah satu tanggungjawab kita yg masih hidup adalah memastikan waris yg kita tinggalkan berada dlm kdn yg selesa.. Bukan dlm keadaan yg meminta2…

Sebenarnya cash money yg paling cepat adalah duit drp insurance/takaful & juga EPF… Sbb itulah setiap polisi ins/takaful & EPF perlu kita letakkan penama/pemegang amanah yg sepatutnya.. Jika tiada apa2 masalah, kurang dr sebulan waris boleh menerima cek insurance/takaful berbanding waris perlu tunggu berbulan2 & bertahun2 utk menikmati harta2 yg lain spt duit dlm ASB/UT/FD… itupun klau tiada waris2 lain yg contest pembahagian harta……… klau x lagi la lama harta tu terperap kt ARB.. sbb tu ada more than RM40b harta xdiselesaikan di ARB (Amanah Raya Berhad)..

Kebanyakan drp kita adalah golongan sederhana.. esp yg muda2, yg baru kerja.. ‘aku mana ada harta, buat apa nk buat wasiat’.. ‘rumah pun sewa je’.. ‘mana ada duit nk beli rumah, rumah skang mahal la, xmampu’ , blablabla.. jadi sekarang, kenapa tidak mengambil insurance/takaful & jadikan ia sbg salah satu harta pusaka anda? Pada masa yg sama, insurance/takaful adalah jauh lebih murah&affordable jika dibandingkan nk beli rumah yg RM700,000.. Untuk umur 30-an, aset anda RM700,000, anda hanya perlu simpan tidak lebih drp RM300 sebulan! Cuba bandingkan, anda nk beli rumah yg RM700,000 kena byr brape sebulan?? Cuba fikir2 kan… Setidak2 nya, sekiranya berlaku apa2 pada diri anda, anda telah tinggalkan satu legasi untuk keluarga anda..

Jangan sekat pemikiran kita dgn satu hala pemikiran sahaja… Broaden your perspective way of thinking.. Tambahkan ilmu.. Jangan mudah dengar & terima apa org kata tetapi fikirkan sendiri & cuba research about it.. Kita mahukan rakyat kita, sebangsa, lebih maju & lebih matang dlm cara berfikir.. Lebih berkemampuan.. supaya kita dapat mendidik anak2 kita untuk masa hadapan.. Ala, kita tinggalkan bukan utk org lain, tetapi darah daging kita juga.. Waris kita..

For more info/quote utk harta pusaka anda can email me at Nurulhuda.Ariff@gmail.com

Pru My Child - Health and Education Insurance for Children...

Children's Future Education and Costs

Just to share with all of u the costs of our children’s future education needs. Our children’s future education is OUR responsibility! Not the gov responsibility.. If u r thinking that, ‘takpela, PTPTN @ PTPTipu (some ppls said :p) kan ada.. bole buat pinjaman…’ or ‘kan ada SSPN’ <– can save as low as RM20 per deposit.. what? if u save rm20 per month then after 10-20 years of saving, hw much only u’ll have??(RM20x12 months)x20 years = RM4800! only :p )

Also please aware that SSPN is – memudahkan anak anda membuat pinjaman dgn PTPTN… as frm my experience, if possible, jgnla buat pinjaman dgn PTPTN… klau nak pinjam gak, cari la alternatif lain selain PTPTN….. MARA ker, JPA ker tu pun klau diaorg still nk offer… senang cite make sure ur children top scorer, hmmm nowadays cannot jz top scorer, kena be the best of the best cz so many intelligent, excellent kids.. sgt2 pandai.. competition is high..

What is the problem tht we cannot save abit for our children starts frm nw…. tudung baru bole beli every month.. baju baru… makan sana, makan sini… all spend spend spend… but to save4ur own good..? Not a priority.. that is the problem. Not about budget but about managing ur financial & prioritize which is which. If u have rm50 now in ur hands, believe me, sekejap lagi dh habis.. what did u buy? Hmmm…

Start to plan NOW. But how? The first step is that u can go to this link..

http://www2.prudential.com.my/index.php?fuseaction=calculator.edu_cal

It’ll help to guide you hw much u should have 4ur children’s edu fund.. where u plan 2send them to school.. hw much u should at least have by the time comes.. but how can u achieve that amount? Please, feel free to contact me for a consultation its not just about insurance, its about diversification ur financial…

cheerios!