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!

Amir’s story on survival from Pneumococcal Meningitis at 11 months old..

This story is about my 11 months old son, Amir on survival from Pneumococcal Meningitis. The full story you can click HERE.

1. I am so lucky to detact the illness early
2. I am so lucky that the fast action of hubby & I bring him to emergency save him
3. I am so lucky that I taken Prudential Medical Card for him as early as 14days old (when still in confinement)

Fact about Pneumococcal Meningitis:

What is pneumococcal disease?
Pneumococcal disease is a leading cause of serious illness in children and adults throughout the world. The disease is caused by a common bacterium, the pneumococcus, which can attack different parts of the body. When bacteria invade the lungs, they cause the most common form of community-acquired bacterial pneumonia; when bacteria invade the bloodstream, they cause bacteremia; and when they invade the covering of the brain, they cause meningitis. Pneumococci may also cause otitis media (middle ear infection) and sinusitis. Currently there are more than 90 known pneumococcal types; the ten most common types account for approximately 62 percent of invasive disease worldwide.

Who is at risk?
Anyone can get pneumococcal disease. But some groups are at particularly high risk for pneumococcal disease or its complications. These groups include persons aged 65 and older; individuals with weak immune systems due to cancer, leukemia, Hodgkin's disease or human immunodeficiency virus (HIV); persons with sickle cell disease or without a functioning spleen; individuals who have a chronic illness such as lung, heart, and kidney disease, diabetes and alcoholism; persons living in special environments or communities, such as Alaskan Natives and certain American Indian populations; and residents of chronic or long-term care facilities.

How significant is pneumococcal disease?
Each year in the United States, there are an estimated 175,000 hospitalized cases of pneumococcal pneumonia; it is a common bacterial complication of influenza and measles. In addition, in terms of invasive disease, there are more than 50,000 cases of bacteremia and 3,000 to 6,000 cases of meningitis annually. Invasive disease bacteremia and meningitis is responsible for the highest rates of death among the elderly and patients who have underlying medical conditions. According to the Centers for Disease Control and Prevention (CDC), invasive pneumococcal disease causes more than 6,000 deaths annually. More than half of these cases involve adults for whom vaccination against pneumococcal disease is recommended.

Can pneumococcal disease be prevented?
The best way to protect against pneumococcal disease is through vaccination. There are two types of pneumococcal vaccine currently available: a polysaccharide vaccine and a conjugate vaccine. The polysaccharide vaccine is used in adults and the conjugate vaccine is used in children. The polysaccharide has been available in the United States for more than 20 years. Yet in 2000, only 53 percent of those 65 years of age and older reported ever receiving the pneumococcal vaccine, according to "Health, United States 2002," a publication of the National Center for Health Statistics, published by the CDC. This falls short of the Healthy People 2010 goal of vaccinating 90 percent of adults 65 years of age and older against pneumococcal disease.
My baby Amir was addmitted in Damansara Specialist Hospital on 6 June 2011 - 20 June 2011. He was admitted 5 days in ICU and 10 days in normal ward. The bills was RM15,669.85 and thanks to Prudential for the medical card coverage.

Furthermore, Amir medical card also got hospital allowance RM200/day. So he was admitted 15days x RM200/day = RM3000.

So, mummy is waiting for Prudential to pay by cheque which normally takes 4 weeks from date of discharged. *wink ;p

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.

PRUmy child. Child Education Planner.

How much will your child’s education cost?

Visit www.prudential.com.my , use Child Education Planner and start your calculation

Prudential PRU my child plan

PRUmy child plan
In planning for your child’s  future, it’s best to start early. Along with standard lifetime protection, PRUmy child provides a growing education fund with guaranteed payouts and potential higher return to meet future educational expenses. Best of all, expecting parents will take heart in a new and unique cover aimed specially at protecting your precious fetus – the first plan in Malaysia to do so

PRUmy child benefits :
Complete protection – Beginning from before birth to adulthood.
Secure education fund - Guaranteed payouts for higher studies.
Health protection – Coverage for specific child illnesses.
Parent protection – Protect your child by protecting yourself.

More info visit www.prudential.com.my

In the Womb airs on National Geographic (Astro channel 553). PRUmychild

In conjunction with the launch of PRUmy child, the latest child insurance plan that provides protection for a child before he or she is born, this insurer is partnering National Geographic to bring back the highly-acclaimed documentary.
It chronicles the incredible transformation of a baby from a single cell to a complex, self-sustaining organism.

In the Womb airs on National Geographic (Astro channel 553) on May 1 at 5pm, and May 2 at noon.

In addition, catch the premiere episode of In the Womb: Identical Twins also sponsored by Prudential on May 5 (Wednesday) at 10pm, with repeats on May 8 at 5pm and May 9 at noon on the same channel.

PAMB director of brand and communications Fiona Liao said: “Our partnership with National Geographic in sponsoring this documentary is driven by the same conviction as PRUmy child – that every parent’s love for their children begins at the very first heart beat in the womb. We hope that parents, especially expectant parents, will enjoy what they see.”
Fox International Channels marketing director Nini Yusof said: “National Geographic has always invited viewers to be curious through its cutting-edge programming.
“In The Womb is an example that explores the science behind humanity and life.“

Source

PRUmychild plan before birth?

You can take up this plan for your unborn child as early as 18 weeks into your pregnancy. Why as so early?  Because PRUmychild is the only insurance plan covering congenital conditions.

Protect your loves one by sign up for PRUmychild with PRUearly start / PRUbest start.

PRUearly start / PRUbest start covers
Child Care Benefit
1. Hospitalisation of child due to Congenital Conditions – Reimbursement
of hospitalisation claims up to RM25,000 annually (up to age 2 years)
2.ICU / HDU for Premature Birth RM500 daily (max 30 days)
3.Incubation of new born child immediately following birth RM200 daily (max 60 days)

Pregnancy Care Benefit * you may enhanced the protection by sign up for PRUlady plan.
1. Pregnancy Complications Eclampsia, Abruptio placentae, Amniotic fluid embolism RM5,000
2. Maternal death up to 30 days from delivery RM20,000

Total premiums paid will be returned
1. Death of Foetus
2. Infant death within 30 days of birth