Saturday, May 5, 2012
All About PRUflexi med
ENjoy greater flexibility with a medical card that lets you choose what you want...
112 combinations to choose from...
PRUflexi med gives you the flexibility to choose your preferred level of coverage, Pick from 7 hospital daily room & board allowance and 16 annual limits options, then create a plan to suit your needs and budget!
Hospital Daily room & board allowance
If you are staying in a room & board that is lower than your chosen Hospital Daily Room & Board Allowance, we will pay you the difference in cash as an allowance. What's more, this benefit will not reduce your annual limit!
No more BILL SHOCK!
You can choose the ZERO deductible option and pay nothing when you are hospitalised! You can also opt for a PRUflexi med plan with a minimal fixed deductible of RM300.
High Lifetime Limit at 20 x Annual Limit
PRUflexi med lets you claim uo to 20 times your annual limit per lifetime.
Emergency Medical Assistance, anytime anywhere
We will issue you a PRUflexi med card under Emergency Medical Assistance when you purchase PRUflexi med. You can call up the 24 hour hotline (operated by International SOS) at any time on a reverse charge from anywhere in the world to obtain assistance ans services.
Friday, November 18, 2011
Prulife ready
Get rewarded for milestones or goals in life
PRUlife ready celebrates the joy of achieving your goals and milestones in life by rewarding you Goal Achievement Benefit. This unique benefit rewards you with RM500 when you enter into new phases of your life such as:
· Getting married
· Childbirth
· Doubling of your salary
· Buying a new home
· Traveling to 10 different countries
Catering to your essential medical needs with PRUmedic essential
PRUmedic essential is a medical plan that covers your essential medical needs by paying your medical bills if surgery is done subject to coinsurance. Also you will receive Hospital Cash Benefit based on the plan that you have selected for each day you were confined to the hospital. No coinsurance is required, when you are admitted to Malaysian Government Hospital and when you suffer from Total and Permanent Disability (TPD) or Critical Illness.
Securing the future of your loved ones with PRUlife income
PRUlife income gives you the assurance that you have fulfilled your responsibilities towards your loved ones by providing yearly income for 20 years to your family when you are no longer around.
Giving you complete control over life with PRUlife growth
PRUlife growth lets you plan ahead for your future protection needs by automatically increasing your death and TPD cover on the 5th, 8th, 11th and 14th rider’s anniversary.
Creating a lifestyle fund with PRUlifestyle saver
From as low as RM50 a month, you can start a lifestyle fund to pay for your new hobby, travelling expenses or even down payment for your second home. PRUlifestyle saver will provide you annual guaranteed income according to your selected payout period. Inclusion of PRUlifestyle saver must be done before the first policy anniversary.
1.. Optional covers are subject to underwriting, additional premium and subject to policy terms and conditions.
2.. Subject to policy terms and conditions.
Tuesday, November 1, 2011
PRUretirement growth
The Essential Plan For Your Golden Years
PRUretirement growth lets you enjoy :
... Monthly GUARANTEED income
... Higher GUARANTEED returns
... Lump sum payout
... Flexible withdrawals
... Death & total and permanent disability (TPD) cover
The plan that guarantees income for a fulfilling retirement
What are your dreams for retirement? whether it's opening your own restaurant, traveling the world, or moving away from the rat race to be closer to your loved ones, every retirement lifestyle has a price.
With the effects of inflation, this figure can become much larger when you retire and as a result, the savings you have now may not be able to meet your retirement needs. That is why you need a plan. A plan that can help you meet you desired retirement lifestyle and even better, guarantees you as income in your golden years, plus the potential for a large return on yor investments.
with PRUretirement growth....we can help you secure your retirement dreams.
PRUretirement growth lets you enjoy :
... Monthly GUARANTEED income
... Higher GUARANTEED returns
... Lump sum payout
... Flexible withdrawals
... Death & total and permanent disability (TPD) cover
The plan that guarantees income for a fulfilling retirement
What are your dreams for retirement? whether it's opening your own restaurant, traveling the world, or moving away from the rat race to be closer to your loved ones, every retirement lifestyle has a price.
With the effects of inflation, this figure can become much larger when you retire and as a result, the savings you have now may not be able to meet your retirement needs. That is why you need a plan. A plan that can help you meet you desired retirement lifestyle and even better, guarantees you as income in your golden years, plus the potential for a large return on yor investments.
with PRUretirement growth....we can help you secure your retirement dreams.
Wednesday, October 19, 2011
Wednesday, August 3, 2011
PRUhealth
COMPREHENSIVE coverage for hospitalisation and surgery bills
NO CLAIM BONUS
AN option to waive the annual claims limit
CHOICE of plans to suit your budget
COVERAGE of up to age 100
A medical plan that rewards us for staying healthy, most of us realise the importance of having a medical plan to safeguard ourselves against unexpected and costly major medicals bills. More often than not, we pay our premiums every year without fail for round-the-clock protection. However, not all of us make a claim and every year.
What if you can now purchase a plan that rewards you with yearly bonuses of up to RM500 when you do not make a claim, whilst you continues to enjoy peace of mind through the comprehensive health and medical coverage?
PRUHEALTH GIVES YOU
... Bonuses when you are healthy
... Take care of your medical bills when you are not
NO CLAIM BONUS
AN option to waive the annual claims limit
CHOICE of plans to suit your budget
COVERAGE of up to age 100
A medical plan that rewards us for staying healthy, most of us realise the importance of having a medical plan to safeguard ourselves against unexpected and costly major medicals bills. More often than not, we pay our premiums every year without fail for round-the-clock protection. However, not all of us make a claim and every year.
What if you can now purchase a plan that rewards you with yearly bonuses of up to RM500 when you do not make a claim, whilst you continues to enjoy peace of mind through the comprehensive health and medical coverage?
PRUHEALTH GIVES YOU
... Bonuses when you are healthy
... Take care of your medical bills when you are not
Friday, July 22, 2011
PRUlady plans
Celebrate the joys of womanhood with PRUlady plans today!
Women have always been the stabilising force behind families, cities, countries and continents. And they always will be. As a daughter, sister, girlfriend, mother, wife, niece, aunties, grandmother and friend, women play many different roles through out their lives, all filled with their own responsibilities. This is what makes women unique.
As a women, you will face some unique health challenges too. The very fact that your body was created with the ability to create makes it more complex. Which of course, means you are susceptible to some uniquely female illnesses. These are things which cannot be ignored and should never become a side issue. Which is why we are celebrating the joys of being a woman with our range of PRU lady plans to provide you with the mental reassurance that your health and well being is well looked after, no matter what happens.
PRUlady and PRUlady plus will be in force until all the benefits have been utilised. However, with the expiry of PRUlady or PRUlady plus, your PRUlink assurance plan will not be affected.
PRUlady plans take away the worry with unique protection for women. At Prudential, we understand that women have very unique needs. That is why the PRUlady plans provide financial protection against the major concerns and illnesses which confront all women.
This plans offering you more comprehensive coverage and flexibility to protect you against the financial implications of many female illnesses as well as to celebrate new life events.
PRUlady plans let you be the women you want to be, PRUlady plans are designed to be a loyal friend; looking after you no matter how your circumstances change. There are two plans to choose from...PRUlady and Prulady plus.
Women have always been the stabilising force behind families, cities, countries and continents. And they always will be. As a daughter, sister, girlfriend, mother, wife, niece, aunties, grandmother and friend, women play many different roles through out their lives, all filled with their own responsibilities. This is what makes women unique.
As a women, you will face some unique health challenges too. The very fact that your body was created with the ability to create makes it more complex. Which of course, means you are susceptible to some uniquely female illnesses. These are things which cannot be ignored and should never become a side issue. Which is why we are celebrating the joys of being a woman with our range of PRU lady plans to provide you with the mental reassurance that your health and well being is well looked after, no matter what happens.
PRUlady and PRUlady plus will be in force until all the benefits have been utilised. However, with the expiry of PRUlady or PRUlady plus, your PRUlink assurance plan will not be affected.
PRUlady plans take away the worry with unique protection for women. At Prudential, we understand that women have very unique needs. That is why the PRUlady plans provide financial protection against the major concerns and illnesses which confront all women.
This plans offering you more comprehensive coverage and flexibility to protect you against the financial implications of many female illnesses as well as to celebrate new life events.
PRUlady plans let you be the women you want to be, PRUlady plans are designed to be a loyal friend; looking after you no matter how your circumstances change. There are two plans to choose from...PRUlady and Prulady plus.
Wednesday, July 13, 2011
PRUmy child - Let Nothing Come Between Your Child And His Future
As a parent, you know that your children deserve the very best. You want to give your children a head start in life by giving them the best protection and securing their education future. Finding this balance between protection and education, however, can be challenging, especially with the unpredictable nature of life and the rising costs of higher education.
Prudential now offer PRUmy child, the first-of-its-kind-plan that offers coverage during the crucial pregnancy and infancy periods, compared to most conventional child plans that leave the child without any protection during the early stages of infancy. Additionally, certain congenital abnormalities may not be covered under regular juvenile plans. With PRUmy child, parents can now be rest assured that their baby will be well protected, even before he is born!
How then, do you safeguard your child's education future? with PRUmy child, you can take charge AND guarantee**your child's education fund as early as possible. You may also reap potentially higher returns over the long term by investing in nay of the PRUlink or PRUlink education funds.
No other plan balances protection and education more comprehensively than the PRUmy child plan - an innovative plan that combines investment, protection and flexible features.
Take time to focus on what is truly important - your child.
Prudential now offer PRUmy child, the first-of-its-kind-plan that offers coverage during the crucial pregnancy and infancy periods, compared to most conventional child plans that leave the child without any protection during the early stages of infancy. Additionally, certain congenital abnormalities may not be covered under regular juvenile plans. With PRUmy child, parents can now be rest assured that their baby will be well protected, even before he is born!
How then, do you safeguard your child's education future? with PRUmy child, you can take charge AND guarantee**your child's education fund as early as possible. You may also reap potentially higher returns over the long term by investing in nay of the PRUlink or PRUlink education funds.
No other plan balances protection and education more comprehensively than the PRUmy child plan - an innovative plan that combines investment, protection and flexible features.
Take time to focus on what is truly important - your child.
Tuesday, July 12, 2011
PRUlink one - Introducing your ideal companion for every life stage
Everyone goes through different phases in life. So do you. Priorities continue to change throughout your life...so how do you manage this ever-changing cycle?
.. A fresh graduate yearns for independence - to join the work force and buying
their very first insurance policy.
.. A newly married couple faces new commitments such as financing a new home,
a progressing career and entertaining the thought of starting a family.
.. Parents with children on the other hand want nothing else but protection for
their children whilst ensuring that they have solid savings for the continuity of
their children's future.
.. Upon reaching their golden years, retirees wish for nothing more than their good
health whilst looking for smart investment opportunities.
That's where PRUlink one comes in - a plan that helps you do what you want at different stages of your life...giving you complete protection through new and innovative medical and accident benefits plus a combination of local and global investment opportunities right at your fingertips! What's more, PRUlink one also lets you enjoy loyalty bonus when you do not miss any of your payments!
So why wait any longer? You can look forward to experiencing every worthwhile moment in life - having absolutely no worried whilst being able to enjoy little reward that comes your way with PRUlink one.
.. A fresh graduate yearns for independence - to join the work force and buying
their very first insurance policy.
.. A newly married couple faces new commitments such as financing a new home,
a progressing career and entertaining the thought of starting a family.
.. Parents with children on the other hand want nothing else but protection for
their children whilst ensuring that they have solid savings for the continuity of
their children's future.
.. Upon reaching their golden years, retirees wish for nothing more than their good
health whilst looking for smart investment opportunities.
That's where PRUlink one comes in - a plan that helps you do what you want at different stages of your life...giving you complete protection through new and innovative medical and accident benefits plus a combination of local and global investment opportunities right at your fingertips! What's more, PRUlink one also lets you enjoy loyalty bonus when you do not miss any of your payments!
So why wait any longer? You can look forward to experiencing every worthwhile moment in life - having absolutely no worried whilst being able to enjoy little reward that comes your way with PRUlink one.
Monday, July 11, 2011
Many questions arise for people coming to the end of their working life. it is natural for people entering retirement to begin making changes to ensure financial security now that income will be fixed. Expenses which were once considered necessary may now be uncalled for, like a second car. Narrowing down the list of bills requires tough decisions, especially when it comes to life insurance. After paying into a policy for so long, is it wise to let it lapse?
That’s not to say there aren’t times when purchasing a plan during retirement is a good idea. Obviously, if you still have a minor child in the house, it’s important to set up contingencies to ensure basic needs will be met and college paid for.
The importance of the retirement plans can be very useful to cope with the present recession. You need to select your proper retirement plan as per your preferences and enjoy great financial returns even if you have retired from the job.
That’s not to say there aren’t times when purchasing a plan during retirement is a good idea. Obviously, if you still have a minor child in the house, it’s important to set up contingencies to ensure basic needs will be met and college paid for.
The importance of the retirement plans can be very useful to cope with the present recession. You need to select your proper retirement plan as per your preferences and enjoy great financial returns even if you have retired from the job.
Friday, July 8, 2011
WHAT is that you actually want from your retirement? You put a lot of planning and dedication into your career and you should be just as passionate, and sensible, about retirement. Investing in retirement means more than securing the right amount of retirement savings, it means knowing what you want from your retirement – which will help you plan your financial needs more effectively.
When making your retirement income plan choosing which retirement insurances you will need will be a great help in your retirement savings strategy.
Retirement health insurance can be expensive, but is a smart and necessary investment. The younger you are at first purchase, the lower the cost. The sooner you start planning, the greater your peace of mind, both before and after you retire.
When making your retirement income plan choosing which retirement insurances you will need will be a great help in your retirement savings strategy.
Retirement health insurance can be expensive, but is a smart and necessary investment. The younger you are at first purchase, the lower the cost. The sooner you start planning, the greater your peace of mind, both before and after you retire.
Thursday, July 7, 2011
What is worth knowing is that if you do have a pre-existing health condition, there are different types of pre-existing conditions, some of them are more common than others, the most common ones include pregnancy, arthritis, diabetes, and obesity. Some insurance providers will provide you with the coverage you require. However there may be certain restrictions that you will have to abide by.
It is not uncommon for the Insurance co to require that new insured persons must undergo a waiting period before their pre-existing conditions will be covered under the new policy. The waiting period for most policies is 3 to 12 months. This means that the company will not pay any of your medical expenses during this time period that are associated with your condition.
Finding health insurance with a pre-existing condition may take you longer to find but there are options out there. Be prepared however to have to deal with a waiting period before your coverage begins and to pay more than someone who does not have such a condition to contend with.
It is not uncommon for the Insurance co to require that new insured persons must undergo a waiting period before their pre-existing conditions will be covered under the new policy. The waiting period for most policies is 3 to 12 months. This means that the company will not pay any of your medical expenses during this time period that are associated with your condition.
Finding health insurance with a pre-existing condition may take you longer to find but there are options out there. Be prepared however to have to deal with a waiting period before your coverage begins and to pay more than someone who does not have such a condition to contend with.
Wednesday, July 6, 2011
For life insurance cover, you can also find additional benefits at an extra cost, including critical illness cover (this is a common additional benefit) and waiver of premiums. Critical illness cover is payable on the conclusive diagnosis of a critical illness. Waiver of premium is often available at an extra cost - it will pay your premiums if you are unable to work for health reasons. Some of the conditions covered in most benefits include (use these as a guide only):
| Alzheimer`s Disease | Angioplasty |
| Aorta Graft surgery | Benign Brain Tumour |
| Blindness | Cancer |
| Coma | Coronary Artery By-Pass |
| Deafness | Heart Attack |
| Kidney Failure | Loss Of Limbs |
| Loss of Speech | Major Organ Transplant |
| Motor Neurone Disease | Multiple Sclerosis |
| Paralysis/Paraplegia | Parkinson`s Disease |
| Stroke | Third Degree Burns |
| Permanent Total Disability | Heart Valve Replacement |
Tuesday, July 5, 2011
Nothing in life is certain. No one likes to think about it, but the truth is it can happen to you. Give your loved ones the financial security they deserve.
A good life insurance policy would handle the financial responsibilities you left behind so family members wouldn't be burdened. It depends on your situation. Several key questions follow below to help give you an idea of signals pointing to "yes".
1. Are you married?
2. Own a business?
3. Dependent children?
4. Other dependent relatives? (seniors, disabled)
5. Currently have major financial obligations? (mortgage, multiple loans)
A good life insurance policy would handle the financial responsibilities you left behind so family members wouldn't be burdened. It depends on your situation. Several key questions follow below to help give you an idea of signals pointing to "yes".
1. Are you married?
2. Own a business?
3. Dependent children?
4. Other dependent relatives? (seniors, disabled)
5. Currently have major financial obligations? (mortgage, multiple loans)
Monday, July 4, 2011
Life insurance is based on probability. Though unforeseen circumstances can cut life short, generally people will fulfill an average life expectancy and it is on this theory that life insurance companies can invest earnings and collect interest. However, for certain groups that probability is reduced and as such they are considered to be of a greater risk for life insurance companies. This could lead to higher premiums and, in some cases, even exclusions. Some of these greater risk groups include:
- High-risk occupations – For example people who work at great heights, the oil and gas industry (especially offshore), the Armed Forces, pilots, fishermen.
- Dangerous sports/hobbies – People who take part in such pastimes can be considered a greater life insurance risk. These could include aviation, climbing and mountaineering, motor sports, parachuting, bungee-jumping and even skiing, snowboarding or horse riding.
- Poor medical history – People with an existing medical condition are considered a greater risk. Examples could include family history, weight issues, bowel conditions, cancer, high blood pressure, etc.
- Smokers – Smokers are considered a greater risk than non-smokers due to proven links between smoking and some cancers (such as lung and throat cancer) and other serious and terminal diseases. Premiums for both life insurance and critical illness cover increase substantially as a result.
- Over 60s – Any ten-year life insurance policy that takes you past the age of 70 would require advice from a regulated advisor with full FPC qualifications.
Sunday, July 3, 2011
Not all conditions are covered by critical illness policies, be sure to read your policy carefully so that you fully understand what is and isn't included.
The critical illness protection policies pay out lump sum in the event that you fall ill but if you want cover that pays out over the longer term or in the event of your death, then it may be worth considering other forms of protection as well as a critical illness policy. For example, life insurance, income payment protection insurance or income protection cover all provide additional layers of protection.
When buying any insurance product, don't just look for the cheapest option. You need to make sure you are happy with the level of cover provided and that you are getting value for money.
Saturday, July 2, 2011
No one wants to think about what would happen if you were struck down by a critical illness, but the financial implications for you and your family could be catastrophic. That is why it is so important to consider protecting yourself against such an event. Critical Illness policy can provide financial support to maintain you and your family's quality of life by:
- Repaying all or part of your mortgage
- Replacing your lost earnings
- Paying for household bills and mortgage repayments
- Cover the cost of private medical care or specialist treatment
Friday, July 1, 2011
You are more likely to suffer a serious illness than you are to die before the age of 65, yet... many people have life insurance than critical illness cover. They don't consider critical illness insurance until they become parents, it can be a useful protection for many different people. Having this kind of protection in place can give you peace of mind that you would be able to clear debts if you do become seriously ill.
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