Tempoh Menunggu / Waiting Period

Jika anda baru sahaja menerima sijil Takafulink beserta Kad Perubatan, anda telah di lindungi daripada kos rawatan hospital akibat kemalangan. Namun bagi penyakit-penyakit biasa dan beberapa penyakit tertentu, anda perlu menunggu untuk beberapa tempoh masa tertentu sebelum mendapat perlindungan sepenuhnya. Sila rujuk rajah berikut:


1) Tarikh Kuatkuasa - Melindungi peserta daripada kos rawatan hospital akibat kemalangan sahaja.

2) Selepas 1 bulan - Mula melindungi peserta daripada kos rawatan hospital akibat penyakit-penyakit biasa kecuali penyakit-penyakit spesifik. Kos rawatan perlu di bayar dahulu dan tuntutan secara manual perlu di buat.

3) Selepas 3 bulan - Kad boleh di gunakan di Hospital Panel bagi kemasukan ke wad Tanpa Deposit dan Tanpa perlu membuat tuntutan

4) Selepas 4 Bulan - Mula melindungi peserta daripada kos rawatan hospital akibat penyakit-penyakit spesifik.

Secara ringkas, Kad ini tidak memberi perlindungan penuh secara serta-merta. Oleh itu, jika anda fikir kad ini dapat membantu di masa-masa kecemasan, jangan bertangguh lagi untuk mendapatkannya kerana kita tidak tahu bila sebenarnya ia akan di perlukan.

Prudential Claim

This is the actual claim received by some of my clients.
The lady client take-up this plan for his 13-years-old son, when her son turn 16years old he was diagnosed with tonsilitis and need an operations. The operation cost her RM6,+++ in KPJ Seremban and all paid off by Prudential. On top of that, they received hospital benefit allowance 3days hospitalisation x RM200/day = RM 600 as pocket money (I forgotten to snap2 the picture). And after 2 weeks he need a follow-up check-up and also claimable with Prudential.

This plan is for little 3 years old pumpkin. She was admitted 5 days in Damansara Specialist under Dato' Dr Musa due to high fever. Here you go! the hospital allowance of RM200/day x 5 days = RM1000.00.

This claimed belong to my 6years old handsome client who also admitted in Damansara Specialist Hospital (DSH) due to dengue fever. The mother bought this plan when he was 4 years old. The sad part is, both of them admitted in DSH for dengue but only the son having Prudential medical card. The mother did not buy any plan. So bills for the son is paid off by Prudential, but for the mother which is cost RM6+++ is by themself. On top of that, the son received hospital allowance RM200/day x 4days = RM800.

This cheque is belong to me. Yes, myself. This is due to my little Amir was admitted in DSH in June 2011 due to very high risk illness - Pneumococcal Meningitis. Please read the full stories here. He was 11 months old, and had high fever + vomitted. 5 days in ICU and 10 days in normal ward. In total he was admitted half month in the hospital. The bill was RM16,+++. All paid off by Prudential. (if you are in my position at that point of time, with your illness baby, how are you going to get the amount of money?) Protect your child now! DO NOT WAIT! and yeah the hospital allowance is RM3525. I was woring with IT company at that point of time and have to take un-paid leave for 15 days. And received the cheque was very relief, cos it could cover my 15days un-paid leave. (even more that my salary that time) hehehehehe :) Thanks to ALLAH!

The reimbusement claim for follow-up check-up my my gastric lady client.

4 years old client was admitted in DSH due to high fever, flu and cough. This is the hospital allowance and added benefit for the client.

Hospital allowance amounting RM1000 for baby boy admitted due to high fever, flu and cough. 5 days admitted in hospital.

Yup its mine again. This was on Ramadhan 2012 recently. Again my lil Amir having high fever. After 2 times to our normal clinic with doc antibiotic still no good response. Rush him to emergency and admitted 5 days in DSH with our dedicated Dr Soh.

Want to know more, call me at 012 3448019 or drop me an e-mail at zurabaharudin.prudential@gmail.com.

Let's protect your family today with Prudential medical card!

PRUclinic care - For Outpatient Treatment

A medical card that gives you the basic healthcare that you deserve.

A regular premium investment-linked medical rider that reimburses medical expenses at our panel clinics.

Great convenience
With so many panel clinics nationwide, you'll always find a clinic near your area! Please click here to locate your nearest clinic.
Cashless claims process
Making a claim has never been easier. Using this medical card, your visit to the panel clinic to completely cashless - no coinsurance or deductibles!
High benefit amount
PRUclinic care covers your medical cost at any panel GP clinics for up to RM1,500 per year!
24-hour support
Our dedicated call centre is available 24 hours a day, 7 days a week.

What is PRUclinic care?
PRUclinic care is a regular premium investment-linked medical rider which covers medical expenses incurred at any of our panel general practitioner clinics.

1 Locate & Visit Panel Provider »     2 Identify & Swipe Your Card »          3 Get the Treatment »

How can I take up PRUclinic care?
You can take up PRUclinic care when you purchase any of our PRUhealth or PRUflexi med plans.
How long is this benefit valid?
PRUclinic care will cover your clinical needs for two years. Premiums are payable throughout the duration of the plan.
How much premium do I need to pay?
Please refer to the table below for our affordable premiums!
Entry age next
1 to 18 years old188944715.66
19 to 39 years old2881447223.99
40 to 49 years old3881949732.32
50 to 60 years old525262.50131.2543.73

This plan is for those who are aged between 1-60 years old next birthday.

Please note that this is an insurance product that is tied to the performance of the underlying assets, and is not a pure investment product such as unit trusts.

PruClinic Care is so simple to use. As the process flow below shows , just present the Clinic Card and we the insurance company will settle 100% of the claimable bill direct with the hospital.

“Buy life insurance when you don’t need it, because when you need it, you can’t buy”

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