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 bonus

You 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.

What are the plan?

Why Choose Insurances compare to do OWN Saving ! !

SAVINGS

Every month you do savings of RM200.

End of the year , total accumulated RM2400 + + (Including interest) (0.3% if in saving account 3% if in Fix Deposit, 7% if in ASB)

Assume the savings constantly up to 5 years. Amounting RM12,000 ++

Unfortunately, you are diagnosed for Cancer preliminary level which need RM50,000 for treatment cost

Thanks for your savings, you have RM12,000 but you still need RM38,000.

You have 3 options to fund the balance

* Borrow

Family and friends will try their best to help you. But to borrow RM38,000 is near impossible unless your have a very rich relative.

* Sell your assets

Your maybe have one or two assets which can be sold. But it takes at least 6 months to sell a house for example. If your assets still under bank’s loan, yet you cant sell it off.

* Seek for Donation

Your saw on television, people seek donation for themselves or their kids. Need money for surgery or treatment. If you are disable or really poor , you are qualified to seek donation under the television programme. But, you are income earner like executive in one big company, you will not getting any help by the donation programme because there are more needy people out there.

INSURANCE

Every month you do savings of RM200.

End of the year , total accumulated RM2400 + + (Including interest) (8%-9% in InvestmentLink or Takafulink plan )

In case something bad happen to you , death or total permanent disable , Sum Assured RM100,000 will be compensate to next of kin or to you. (Even you pay insurance just for one month which is RM200 )

Up to 5 years. Amounting RM12,000 ++

Unfortunately, you are diagnosed for Cancer preliminary level which need RM50,000 for treatment cost. Now Medical Card will cover all the cost for you. Limit RM500,000 per lifetime.

Plus, Rm20,000 compensation because diagnosed with one of the 36 critical illness.

Plus, when you been hospitalized, you will be receiving RM100 per day as hospital benefits.

If you unable to work and no money to pay your premium, Contributor plan will continue to pay it. As the result, you still receive Protection and your savings still continue growing until age 100.

PAMB PruLink Assurance Plan

PRUlink assurance plan is a regular premium investment linked whole life plan. This investment-linked policy (ILP) offers a combination of insurance protection and investment. The basic plan pays a lump sum death benefit (i.e. the sum assured) and the value of the investment units, at the time of claim, if you are totally and permanently disabled before age 70 or die, during the term of the policy.

The insurance company allocates a portion of the premium to purchase units in the investment-linked fund that you have chosen.
Illustrated below is the premium allocation rate for a benefit term of 20 years and above. For benefit term below 20 years, the premium allocation rate will be scaled up proportionately.


The value of the ILP depends on the price of the underlying units, which in turn depends on the performance of your chosen fund.

Free-look period – you may cancel your ILP by returning the policy within 15 days after you have received the policy. The insurance company will refund to you the unallocated premiums, the value of units that have been allocated (if any) at unit price at the next valuation date and any insurance charge and policy fee that have been deducted less any medical fee incurred.

Critical illness benefits under the policy will only start 60 days after the effective date of the policy for heart attack, coronary artery disease and cancer and 30 days for all other illnesses

PRUhealth and PRUannual limit waiver under the policy will only start 120 days after the effective date of the policy for specified illnesses and 30 days for all other illnesses. Cover for hospitalisation due to accidents commences immediately.

PRUmed and/or Hospital Benefit under the policy will start immediately for hospitalisation due to accidents and 30 days for any other causes

Co-insurance – you will have to pay 10% of the total costs incurred, subject to maximum of RM1,000 for Hospital & Surgical Benefit and RM2,000 for Outpatient Treatment Benefit.