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