PruBSN Prudential BSN Takaful

1. Pudential BSN Takaful Berhad (PRUBSN) adalah gabungan dua syarikat besar iaitu Prudential Holdings Limited (United Kingdom) dan Bank Simpanan Nasional Berhad (Malaysia). Gabungan ini berlaku setelah Bank Negara Malaysia manganugerahkan lesen takaful kepada Bank Simpanan Nasional Berhad pada 30 Januari 2006

2. Prudential Holding Limited telah bertapak di Malaysia sejak 1924 dan adalah satu jenama yang dipercayai. Telah bertapak di Malaysia lebih dari 80 tahun. Ini dapat menunjukkan kekukuhan syarikat dari segi kewangan yang dapat melindungi anda.

Senarai 36 penyakit kritikal Prudential BSN Takaful

01. Serangan Jantung
02. Penyakit Koronari Arteri yang memerlukan pembedahan
03. Strok
04. Kanser
05. Kegagalan Ginjal (Buah Pinggang)
06. Penyakit Lumpuh
07. Pemindahan Organ Utama
08. Sklerosis Pelbagai/Berbilang
09. Hepatiti Virus Fulminan
10. Hipertensi Arteri Pulmonari Utama
11. Koma
12. Buta
13. Penggantian Injap Jantung
14. Pembedahan Aorta
15. Penyakit Alzheimer
16. Hilang Pendengaran / Pekak
17. Hilang Kebolehan Bertutur
18. Kebakaran Parah
19. Penyakit Membawa Maut
20. AIDS Akibat Transfusi Darah
21. Penyakit Motor Neuron
22. Penyakit Parkinson
23. Penyakit Hati Yang Kronik
24. Penyakit Paru-Paru Kronik
25. Anemia Aplastik
26. Distrofi Otot
27. Poliomielitis
28. Meningitis Bakteria
29. Tumor Otak Benigna
30. Ensefalitis
31. Full Blown AIDS
32. Lain-Lain Penyakit Koronari Arteri Yang Serius
33. Pembedahan Otak
34. Sindrom Apalik
35. Trauma Kepala Utama
36. Kehilangan Tangan Atau Kaki

Senarai Hospital Prudential BSN Takaful

Kuala Lumpur / Selangor

Prince Court Medical Centre
39, Jalan Kia Peng
50450 Kuala Lumpur, Malaysia
Hotline: +603 2160 0000
Fax: +603 2160 0010

KPJ SELANGOR SPECIALIST HOSPITAL (Fomerly known as Selangor Medical Center)
Lot 1, Jalan Singa 20/1, Section 20,
40300 Shah Alam,
Selangor Darul Ehsan.
Tel : (03) 5543 1111
Fax : (603) 5543 1722 / 5543 2222

Pantai Cheras Medical Centre
1 Jalan, 1/96A, Taman Cheras Makmur , 56100 Kuala Lumpur
Tel : 03-9132 2022
Fax : 03-9132 0732

Sentosa Medical Centre
36, Jalan Chemur, Kompleks Damai, 50400 Kuala Lumpur
Tel : 03-4043 7166
Fax : 03-4043 7661

Pantai Indah Medical Centre
Jalan Perubatan 1 , Pandan Indah , 55100 Kuala Lumpur
Tel : 03-4289 2828
Fax : 03-4289 2829

Tung Shin Hospital
102, Jalan Pudu , 55100 Kuala Lumpur
Tel : 03-2072 1655
Fax : 03- 2070 0345

Hospital Pusrawi Sdn Bhd
Lot 149, Jalan Tun razak, 50400 Kuala Lumpur
Tel : 03-2687 5000
Fax : 03- 2687 5016

Assunta Hospital
Jalan Templer, 46900 Petaling Jaya , Selangor
Tel : 03-7680 7000/03 -7781 6902
Fax : 03-7781 4933

Gleneagles Hospital Kuala Lumpur
282 & 286 Jalan Ampang, 50450 Kuala Lumpur
Tel : 03-4255 2707
Fax : 03-4255 2711

Subang Jaya Medical Centre
1, Jalan SS12/1A, 47500 Subang Jaya, Selangor
Tel : 03-56341212
Fax : 03-5630 6075

Sri Kota Medical Centre
Jalan Mohet , 41000 Klang , Selangor
Tel : 03-33733636
Fax : 03-3376 3888

KPJ Kajang Specialist Hospital
(formerly known as SentosaMedical Centre Kajang)
Batu 14, Jalan Cheras , 43000 Kajang , Selangor
Tel : 03-8769 2999
Fax : 03-8769 2808

Sunway Medical Center
No5, Jln Lagoon Selatan, Bandar Sunway,
46150, Petaling Jaya, Selangor.
Tel : 03-7491 9191
Fax : 03-7491 0242

Ampang Puteri Specialist Hospital
No.1, Jalan Mamanda 9, Taman Dato’Ahmad Razali,
68000, Ampang, Selangor
Tel : 03-4270 2500
Fax :03-4270 2443

Tawakal Hospital
202-A Jalan Pahang,
53000 Kuala Lumpur
Tel : 03-4023 3599
Fax : 03-4022 8063

Damansara Specialist Hospital
No. 119 Jalan SS 20/10, 47400 Petaling Jaya, Selangor
Tel : 03-7722 2692
Fax : 03-4270 2443

Pantai Medical Centre 8, Jalan Bukit Pantai,
59100 Kuala Lumpur
Tel : 03-2296 0888
Fax : 03-22960832

Johor

Medical Specialist Hospital
Wisma Maria, Jalan Ngee Heng , 80100 Johor Bharu , Johor
Tel : 07-224 3888
Fax : 07-223 6785

Pusat Pakar Kluang Utama
No. 1, Susur 1, Jalan Beasr, 86000 Kluang, Johor
Tel : 07-771 8999
Fax : 07-772 8999

Putra Specialist Hospital (Batu Pahat)
(formerly known as The SouthernHospital, Batu Pahat)
No 1, Jln Peserai, 83000, Batu Pahat, Johor
Tel : 07-413 3333
Fax : 07-413 3346

Johor Specialist Hospital
39-B Jalan Abdul Samad, 80100, Johor Bahru, Johor
Tel : 07-2253000
Fax : 07-2248213

Puteri Specialist Center 33,
Jalan Tun Razak (Susur 5), 80000, Johor Bahru, Johor
Tel : 07-2233377
Fax : 07-2238833

Hospital Pantai Batu Pahat
9S, Jalan Bintang Satu, Taman Koperasi Bahagia, 83000 Batu Pahat, Johor
Tel : 07-433 8811
Fax : 07-433 1

Melaka

Putra Specialist Hospital (Melaka) Sdn Bhd
(formerly known as TheSouthern Hospital, Melaka)
169, Jalan Bendahara , 75100 Melaka
Tel : 06-283 5888
Fax : 06-281 0518

Hospital Pantai Ayer Keroh 2418-1,
KM 8, Lebuh Ayer Keroh , 75450 Melaka
Tel : 06-231 9999
Fax : 06-231 3299

Mahkota Medical Centre
3,Mahkota Melaka, Jalan Merdeka , 75000 Melaka
Tel : 06-281 3333

Negeri Sembilan

Columbia Asia Medical Centre,
S’ban 292, Jalan Haruan 2, Oakland Commercial Centre,
70300 Seremban, Negeri Sembilan
Tel : 06-601 1988
Fax : 06-601 1848

N.S Chinese Maternity Medical Centre
Jalan Tun Dr Ismail, 70200 Seremban , Negeri Sembilan.
Tel : 06-762 2104
Fax : 06-763 0407

Nilai Cancer Institute PT 13747,
Jalan BBN 2/1 , 71800 Nilai, Negeri Sembilan.
Tel : 06-850 0999
Fax : 06-850 0733

Seremban Specialist Hospital
Lot PT 6219 & PT 6220, Jln Tioman 1, Kemayan Square,
70200 Seremban, N Sembilan
Tel : 06-7677800
Fax : 06-7675900

Senawang Specialist Hospital
No. 234-243, Jalan Lavendar Heights 2,
Lavender Business Square,
70450 Senawang , Negeri Sembilan
Tel : 06 6751188

Perak

Pantai Putri, Ipoh
126, Jalan Tambun,
31400 Ipoh, Perak
Tel : 05-5484333
Fax : 05-5458168

Apollo Medical Centre
271, Jalan Taming Sari,
34000 Taiping, Perak
Tel : 05-8056000
Fax : 05-8076000

Fatimah Hospital
1, Leboh Chew Peng Loon, Ipoh Gardens,
31400 Ipoh, Perak
Tel : 05-5455777
Fax : 05-5499237

Ipoh Specialist Hospital
26, Jalan Raja Dihilir,
30350 Ipoh, Perak
Tel : 05-241 8777
Fax : 05-254 1888

Penang

Bagan Specialist Centre
Jalan Bagan 1, 13400 Butterworth
Tel : 04-3322800
Fax : 04-3312806

Pantai Mutiara Hospital
82, Jalan Tengah, Bayan Baru,
11900 Bayan Lepas, Penang.
Tel : 04-643 3888

Gleneagles Medical Centre
1, Jalan Pangkor, 10050 Pulau Pinang
Tel : 04-2276111
Fax : 04-2262994

Penang Adventist Hospital
465, Jalan Burmah, 10350 Pulau Pinang
Tel : 04-2227200
Fax : 04-2278512

Lam Wah Ee Hospital
141, Jalan Tan Sri The Ewe Lim,
16000 Pulau Pinang
Tel : 04-6571888 Fax : 04-6570940

Tanjung Medical Centre
473, Jalan Burmah,
10350 Pulau Pinang
Tel : 04-2262323
Fax: 04-2299008

Hope Children Hospital (Sg Ara )
66 & 68, Jalan Dato Ismail Hashim, Sg Ara,
11900 Bayan Lepas, Pulau Pinang
Tel : 04-644 7557 / 04-644 1557
Fax : 04-646 1559

Hope Children Hospital (FARLIM)
26,26A,28 & 28A, Lintang Paya Terubong 3,
11060 Pulau Pinang
Tel : 04-829 7926/ 04-826 6557
Fax : 04-829 7982

Loh Guan Lye Specialist Centre
19, Logan Road, 10400 Pulau Pinang
Tel : 04-2388888
Fax : 04-2388983

Island Hospital 308 Macalister Road,
10450 Penang, Malaysia
Tel : 04-228 8222
Fax : 04- 226 7989

Kedah

Metro Specialist Hospital
No 1, Lorong Metro,
08000 Sungai Petani, Kedah
Tel : 04-4238888
Fax : 04-4258888

Putra Medical Centre
888, Jalan Sekerat, Off Jalan Putra,
05100 Alor Star, Kedah
Tel : 04-7342888
Fax : 04-7348882

Kedah Medical Center Pumpong,
05250 Alor Setar, Kedah
Tel : 04-7308878
Fax : 04-7332869

Strand Hospital
1, Persiaran Cempaka, Bandar Aman Jaya,
08000 Sungai Petani, Kedah
Tel : 04-4428888
Fax : 04-4428889

Kelantan

Universiti Sains Malaysia USM,
Kampus Kesihatan,
16150 Kubang Kerian,
Kota Bharu, Kelantan
Tel : 09-766 3137

Perdana Specialist Hospital
Lot PT37 & PT600, S
eksyen 14, Jalan Bayam.
15200 Kota Bharu, Kelantan
Tel : 09-745 8000
Fax : 09-747 2877

Kota Bharu Medical Centre
P.T 179-184, Jalan Sultan Yahya Petra, Lundang,
15150 Kota Bharu, Kelantan
Tel : 09-743 3399
Fax : 09-747 8271

Terengganu

Kuala Terengganu Specialist Hospital
No. 443B, Jalan Kamarudin, 20400
Kuala Terengganu, Tereangganu
Tel : 09-624 5353 09
Fax : 09-626 5211

Pahang

Kuantan Medical Centre 1,
Jalan Tun Ismail 9,
25000 Kuantan , Pahang
Tel : 09-514 2828
Fax 09-516 3753

Kuantan Specialist Hospital
51 Jalan Alor Akar,
25250 Kuantan, Pahang
Tel : 09-567 8588 09-567 8098

Sabah

Sabah Medical Centre
Lorong Bersatu,
Off Jalan Damai Luyang,
88300 Kota Kinabalu, Sabah
Tel 088-222922
Fax : 088-243540

Rafflesia Medical Centre
Lot 5, 6, 7, 8, Milennium Commercial Centre,
Off Jalan Lintas, Kepayan,
88200 Penampang,
Kota Kinabalu,Sabah
Tel : 088-272630
Fax : 088-272640

Damai Specialist Centre
DSC Building, Lorong Pokok Tepus 1,
Off Jalan Damai,
88300 Kota Kinabalu, Sabah
Tel : 088-222922
Fax : 088-243540

Sarawak

Normah Specialist Medical Centre
Lot 937, Sek 30, KTLD, Jalan Tun Abdul Rahman,
Petra Jaya, 93050 Kuching, Sarawak
Tel : 082-440055
Fax : 082-442600

Rejang Medical Centre
29, Jalan Pedada,
96008 Sibu, Sarawak 084-330733 084-327342
Sibu Specialist Medical Centre 52A-F, Brooke Drive,
96000 Sibu, Sarawak
Tel : 084-218800
Fax : 084-219900

Timberland Medical Centre
Lot 5164-5165, Blk 16, KCLD,
Taman Timberland, Rock Road,
93250 Kuching, Sarawak
Tel : 082-234466
Fax : 082-244273

Columbia Medical Centre, Miri
Lot 1035-1039, Jalan Bulan Sabit,
CDT 155, 98009 Miri , Sarawak.
Tel : 085-437755
Fax : 085-425677

Kuching Specialist Hospital
Lot 10420 Block 11,
Tabuan Stutong Commercial Center,
Jalan Setia Raja,
93350 Kuching, Sarawak.
Tel : 082-365777
Fax : 082-364666

Takaful Health Medical Card Plan

Takaful Health is all that you NEED:

What is Takaful Health?

Takaful Health is a regular contribution medical rider plan that reimburses major medical expenses incurred in the event of hospitalization, surgery or outpatient treatment. This plan also rewards certificate holders with No Claims Bonus (NCB) for those who do not make any claims for the year.

Who is entitled for Takaful Health?

This plan is offered to individuals, aged 1 to 60 years old next birthday, who want a plan that not only takes care of their medical expenses but REWARDS them for staying healthy.

How can I take up Takaful Health?

You can take up Takaful Health when you participate in Takafulink plan or Takafulink Cerdik plan.

Takaful Cerdik (Education Plan)

Takafulink Cerdik

How Does The TAKAFULINK CERDIK Plan Work for My Children?

Protect The Education and Well Being of Your Children’s Future Takafulink Cerdik plan is a fixed contribution investment link plan that matures when your child reaches 25 years of age. This plan does not only give protection for the education and well-being of your children, it is also flexible enough to satisfy you and your child’s changing needs from time to time. Now you can give your child two very valuable gifts – education and protection – via this unique plan’s innovative combination.

Who Can Take Up TAKAFULINK CERDIK Plan?

Anyone who has children age between age 2 weeks and 15 years old are eligible or the plan. Parents will own the certificate and match the plan for the benefit of their children.

How do I start?

First, determine your children’s protection needs, such as their basic cover and other optional and supplemental benefits. Then, decide on an affordable amount to set aside every month.

Takafulink. Investment link Policy. Prudential BSN Takaful

Takafulink merupakan pelan Takaful berkaitan Pelaburan (Investment-linked Takaful) yang menawarkan perlindungan komprehensif di samping membenarkan peserta membuat simpanan. Ia direka khas bagi memenuhi keperluan individu di setiap peringkat umur samada daripada bayi yang baru lahir hinggalah kepada warga emas.

Berikut adalah senarai manfaat yang terdapat di dalam Pelan Takafulink berserta dengan
penerangan ringkas.

1- Kematian
• Sekiranya berlaku kematian, pampasan akan diberikan sekali gus bersama jumlah simpanan yang ada pada tahun itu.
• Bayaran khairat kematian sebanyak RM 2,000.
• Sebab kematian terdiri kematian biasa atau kemalangan.

2- Lumpuh Kekal Keseluruhan
• Sekiranya pemegang polisi lumpuh kekal keseluruhan disebabkan oleh penyakit dan berlaku sebelum umur 60 tahun, pampasan akan diberikan sekali gus.
• Manfaat-manfaat lain akan kekal seperti biasa.
• Pemegang polisi akan mendapat elaun tahunan (rujuk Elaun Lumpuh)

3- Crisis Shield (Pampasan 36 Jenis Penyakit Kritikal)
• Sekiranya pemegang polisi mengidap salah satu dari 36 jenis penyakit, pemegang polisi akan diberikan pampasan sekali gus.
• Kos rawatan akan ditanggung oleh kad perubatan ( rujuk manfaat medical card)

• Selepas didapati mengidap salah satu daripada penyakit kritikal ini, semua carumanakan datang akan ditanggung oleh PruBSN sehingga umur pemegang polisi mencapai 80 tahun atau meninggal dunia, yang mana lebih terdahulu.
• Wang pelaburan anda akan bertambah secara automatik tanpa anda perlu mencarum lagi
• Wang pelaburan itu juga boleh dikeluarkan dan nilai pampasan tersebut di atas tidak ditolak daripada wang pelaburan.
• Anda tidak perlu membayar apa-apa caruman dan layak untuk menikmati semua manfaat yang masih ada.
4- Crisis Cover Income (Elaun Pendapatan tahunan apabila mengidap salah satu daripada 36 jenis penyakit kritikal)
• Manfaat ini akan membayar pampasan bagi menggantikan pendapatan kita sekiranya peserta mengidap salah satu daripada 36 jenis penyakit kritikal.
• Jumlah pampasan akan dibayar setahun sekali sehingga umur 80 tahun atau meninggal dunia, yang mana lebih dahulu.

5- Kemalangan (Kematian atau Lumpuh Kekal Keseluruhan)
• Manfaat ini akan membayar pampasan kematian atau lumpuh kekal keseluruhan akibat kemalangan. Bayaran ini adalah tambahan kepada bayaran (Kematian/Lumpuh Kekal Keseluruhan *Manfaat No 1 dan No 2).
• Sekiranya pemegang polisi meninggal dunia disebabkan kemalangan di tempat awam, atau semasa menaik kenderaan awam yang bergerak di atas jalan raya atau landasan (PLV-Public Landed Vehicle) yang mempunyai jadual perjalanan dan laluan yang tetap, pampasan akan digandakan sebanyak 2 kali (Double Indemnity)
• Sekiranya pemegang policy mengalami kecacatan kekal atau kehilangan anggota, pampasan akan diberikan mengikut peratusan (%)
• Jumlah manfaat adalah jenis diperbaharui (renewal benefit) – Contoh, katakan anda sudah membuat tuntuan ADD benefit pada tahun semasa 100%, untuk polisi tahun berikutnya, jumlah manfaat akan jadi 100% semula. Sekiranya pada tahun yang semasa anda telah membuat tuntutan 100% untuk manfaat kemalangan, dan malang tak berbau,
anda sekali lagi ditimpa kemalangan pada tahun yang sama, tiada pampasan untuk manfaat No.4 boleh dituntut untuk tahun itu.

6- Accident Medical Reimbursement (Bayaran Balik Kos Perubatan akibat kemalangan)
• Membayar balik semua kos perubatan akibat kemalangan berdasarkan jumlah yang dilindungi dalam masa 104 minggu dari tempoh kemalangan berlaku.
• Manfaat ini juga boleh digunakan untuk menampung kos ko-takaful yang dikenakan pada manfaat Medical Card untuk rawatan akibat kemalangan.
7- Weekly Indemnity (Pampasan Mingguan)
• Manfaat ini akan membayar pampasan mingguan disebabkan keilatan sementara (Temporary Disable) akibat kemalangan atau dengan kata lain ‘Elaun Cuti Sakit akibat kemalangan’.
• Manfaat ini diwakili dengan nilai unit. Terdapat 2 bahagian Keilatan Sementara ( Temporary Total Disable @ TTD dan Temporary Partial Disable @ TPD)
• 1 Unit manfaat akan membayar RM 100 seminggu bagi TTD dan RM 50 bagi TPD. Penetapan sama ada TTD atau TPD akan ditentukan melalui laporan doktor berkenaan dengan Proses Penyembuhan (Healing Progress).

8- Kad Perubatan (Medical Card)
• Menyediakan dana untuk rawatan perubatan Bayaran terus ke Hospital Panel PruBSN Takaful seluruh Malaysia.
• Boleh digunakan di dalam dan luar negara.
• Manfaat yang ditawarkan adalah seperti berikut (medical coverage table)
• Jaminan pembaharuan dan dijamin dan tiada port-folio akan dibatalkan.
9- Medical Cover
• Manfaat ini mempunyai 3 gabungan manfaat iaitu Elaun Hospital (Hospital Benefit), Elaun ICU dan Elaun Bedah.
• Elaun Hospital (rujuk Manfaat no-10)
• Elaun ICU – Membayar elaun harian selama berada dalam wad ICU
• Elaun Bedah (Surgical Procedure Benefit) – Membayar pampasan pembedahan bergantung kepada kadar keseriusan (Severity Level)
• Manfaat ini dibayar berdasarkan unit yang diambil.
• 1 Unit mewakili : RM 50 sehari (Elaun Hospital), RM 100 sehari (Elaun ICU) & RM 2,500 setiap procedure (Elaun Bedah)
• Elaun Bedah akan diberikan bergantung kepada kadar keseriusan (severity level) seperti berikut :
Level 1 : RM 125
Level 2 : RM 250
Level 3 : RM 500
Level 4 : RM 750
Level 5 : RM 1,250
Level 6 : RM 1,875
Level 7 : RM 2,500
• Elaun Bedah-Maksima RM12,500 setahun
10- Elaun Hospital (Hospital Benefit)
• Manfaat ini akan diberikan mengikut jumlah hari peserta tinggal di dalam wad.
• Hospital Benefit diwakilkan dengan Unit. 1 Unit bersamaan RM 50 sehari. Contoh, 8 unit = 8 x RM50 = 400 sehari.
• Maksimum unit adalah 8 untuk satu polisi.
• Sekiranya anda memasukkan Manfaat Medical Cover dalam polisi anda, i.e Manfaat No 9, jumlah maksimum unit untuk Hospital Benefit & Medical Cover adalah 8 unit. Sebagai contoh, Manfaat Hospital 5 Unit, Manfaat Medical Cover 3 Unit i.e jumlah kedua dua unit manfaat tersebut tidak melebihi 8 unit.
• Tidak tertakluk kepada hospital swasta sahaja, sekiranya anda masuk hospital kerajaan sekali pun, Elaun Hospital akan dibayar. Sekiranya bil hospital swasta telah ditanggung oleh syarikat anda, Elaun Hospital ini juga boleh kita tuntut (claim) tanpa memerlukan resit. Elaun hospital akan diberikan kepada peserta selepas keluar dari hospital.
Biasanya dalam masa 14 hari bekerja.
• Jumlah yang dibayar tidak akan ditolak daripada mana-mana manfaat lain. Maksimum claim setahun adalah 100 hari dan minimum perlu berada di dalam wad adalah 6 jam.
• Hospital – swasta atau kerajaan
11- Elaun Lumpuh (Disability Provider)
• Pampasan ini akan diberikan kepada klien apabila klien didapati Lumpuh Kekal Keseluruhan (Total Permanent Disable) sama ada akibat penyakit atau kemalangan.
• Pampasan akan diberikan setahun sekali sehingga umur 60 tahun.
12- Khairat Kematian
• Bayaran RM 2,000 untuk khairat kematian bagi tujuan menanggung kos pengebumian jenazah. Pampasan ini boleh dituntut sebaik sahaja klien meninggal dengan mengemukakan bukti kematian seperti permit pengebumian, surat kematian atau keratan akhbar mengenai berita kematian tersebut.

13- Premium Percuma (Contributor Benefit)
• Manfaat ini akan menyambung simpanan klien secara automatik sekiranya peserta disahkan mengidap salah satu daripada 36 jenis penyakit kritikal. Sila rujuk senarai penyakit kritikal.
• Manfaat lain yang berkaitan adalah : Parent Contributor, Spouse Contributor, Takaful Saver Contributor, Takaful Saver Parent Contributor
14- Parent Contributor (Takaful Cerdik)
• Sekiranya ibubapa peserta meninggal dunia atau mengalami Lumpuh Kekal Keseluruhan sebelum mencapai usia 60 tahun atau disahkan mengidap penyakit kritikal, manfaat ini akan membantu peserta membayar sumbangan kepada pelan Takaful pada hadapan (FOC ). Bayaran manfaat tahunan akan dihentikan apabila peserta meninggal dunia atau
mencapai usia 25 tahun.
15- Takaful Saver Contributor
• Membayar sumbangan tetap Takaful Saver sekiranya peserta menghidap penyakit kritikal.
16- Pulangan Pelaburan
• Tiada tempoh matang untuk mengeluarkan wang anda. Wang pelaburan boleh dikeluarkan pada bila-bila masa dan untuk tujuan apa sekali pun dengan syarat meninggalkan baki nilai tunai sebanyak RM4,000.
• Anggaran pulangan pelaburan 9% hingga 11% setahun (bergantung kepada prestasi pasaran dan dana yang anda pilih).
• Sekiranya anda ingin mendapatkan pulangan yang lebih tinggi, anda boleh menambah caruman tambahan dalam Takaful Saver.
17- Takaful Saver
• Takaful Saver membolehkan peserta menambah sumbangan tetap bagi tujuan pelaburan, yang mana sumbangan akan digunakan untuk membeli unit-unit di dalam Akaun unit pelaburan (IUA).
18- Pelepasan Cukai
• Melayakkan anda menerima pelepasan cukai insurans hayat bersama EPF sehingga RM6,000.
• Bagi Takaful Cerdik, ianya melayakkan anda menerima pelepasan cukai pendidikan sehingga RM3,000.

PRUbest Start AND PRUearly Start (PRU mychild)

What is the difference between PRUbest start and PRUearly start?

PRUearly start is basic cover for both mother and child during the pregnancy and early infancy period while PRUbest start gives a wider coverage including pregnancy complications.

How does PRUbest start and PRUearly start work?

These benefits cover both the mother and the child even before he/she is born during the crucial pregnancy and ceases when the child is 2 year old. During the pregnancy period up to 30 days from birth of child, the pregnant mother is covered under Pregnancy Care Benefit:

Note: Only 3 types of pregnancy complications are covered in PRUbest start:

(1) Abruptio Placentae (premature separation of the placenta from the womb)

(2) Eclampsia (seizure activity and/or unexplained coma during/after pregnancy)

(3) Amniotic fluid embolism (amniotic fluid entering into mother’s blood circulation)

From the moment the child is born, he/she is immediately covered under Child Care Benefit up to age 2 year old:

Congenital conditions covered under:

PRUearly start

Anal atresia (absence of the anus opening)
Congenital Cataract (clouding of the eyes)
Congenital Deafness (loss of hearing)

PRUbest start

Infantile Hydrocephalus (head enlargement due to excessive fluid in the brain)
Anal atresia (absence of the anus opening)
Congenital Diaphragmatic Hernia (opening of the diaphragm that cause the organs in the abdomen to go up into the chest cavity)
Atrial Septal Defect (abnormal opening between the heart’s upper left and right chambers. A form of hole in the heart conditions)
Tetralogy of Fallot (heart conditions with 4 major defects that causes the baby to turn blue due to lack of oxygen)
Transposition of Great Vessels (switch of position between the heart’s aorta and pulmonary artery. Aorta is rich in oxygen while pulmonary artery is poor in oxygen)
Truncus Arteriosus (merging of the heart’s aorta and pulmonary artery)
Ventricular Septal Defect (abnormal opening of the wall between the heart’s left and right lower chamber. A type of hole in the heart conditions)
Congenital Cataract (clouding of the eyes)
Congenital Deafness (loss of hearing)

Who is eligible to apply for PRUbest start and PRUearly start?

Any woman age between 18-45 next birthday that is within week 18-35 of her pregnancy. For woman age 18-45 next birthday but ABOVE 35 weeks of pregnancy, they can still secure a policy for their unborn child but PRUearly start and PRUbest start will not be applicable. If death of foetus or death of child occurs within the 30 from birth of child, the higher of total premiums paid or value of units will be paid. However, no coverage will be provided on the mother.

Why is the Congenital Conditions separated into 2 different groups?

PRUbest start provides a more comprehensive protection for the child and this is not only evidenced by the amount of benefit payable but the covered congenital conditions.

What happens when it is a twin pregnancy?

If twin is detected, applicant will be required to purchase to TWO identical policies with same coverage. This is to avoid anti-selection against Company in the event either one of the child is born unhealthy or with complications.

What is the waiting period for PRUbest start and PRUearly start?

These benefits start protecting both the pregnant mother and the growing foetus immediately once the cover commenced after underwriting and premium is paid since there is no waiting period applicable for these 2 benefits.

Can we switch between the 2 benefits or make any changes to the other benefits attached to the policy at a later stage?

Since pregnancy can be rather unpredictable, no switching between PRUbest start and PRUearly start is allowed once the policy is incepted. Also, no changes can be made on the other benefits attached to the policy until the child is born. Any change of benefits after the birth of the child is subjected to underwriting.

What are the documents required during proposal stage?

In addition to the usual documents submitted i.e. proposal form, sales illustration and lifestyle profile, all pre-birth applicants will need to submit a gynaecology report (Form ID: 10201065) completed by their attending gynaecologist. This form can be downloaded from RAISe under New Business Medical Form. In addition to that, a 3D/4D scan will be required if PRUbest start is selected.

Who will bear the cost of the gynaecology report and 3D/4D scan?

The cost of gynaecology report (up to RM150) will be borne by the Company while the 3D/4D scan shall be at the expense of the applicant.

Upon expiry of PRUbest start/PRUearly start, will the premium be reduced?

Once the benefit expires at age 2, policyholder is free to utilize the premium to further increase their child’s cover or to enhance their investments.

After the child is born, what should the parent do?

The parent should update the child’s details i.e. name of the child, date of birth, gender, birth certificate/MyKid identity card number by providing to the Company of a copy of the birth certificate/MyKid identity card. Without any update on the child’s details, all types of transaction including surrender of the policy will not be allowed.

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The Biggest Loser Couple : Curtis Bray comment on important of health insurance

Curtis Bray, 36, who competed with his wife Mallory, 36, and started with a weight of 381 lbs., said, “I need to be 238 lbs. to qualify for health insurance.” When he stepped on the scale and realized he had lost 150 pounds for a final weight of 231 lbs., he pumped his fist and cried out, “Yes! Yes!”

WHY DID THE BRAYS DECIDE TO CHANGE THEIR LIFESTYLE?

One of the reasons the Brays decided to lose weight was because they were tired of not feeling well and being uncomfortable all the time. Mallory admitted that they would go out to eat a lot, which had a negative effect on their diet and health.

Curtis told me that before going on the show he was scheduled for gastric bypass surgery.  However, he decided not to go through with it because he wanted to make a complete lifestyle change so he could  take care of himself properly.   He mentioned that he was borderline diabetic and suffering from sleep apnea, which is when you stop breathing while you are sleeping. However, there was another, more important reason for him to lose weight; he had been denied health insurance and felt that without it, he would not be able to properly provide for his family.

source

Curtis at finale

Curtis and Mallory

Takaful Health Medical Card Pictures

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