Pruflexi Med medical card terbaik dalam pasaran Malaysia pernah aku jumpa..

Selamba claim terbaik dalam pasaran Malaysia sebab aku dah tengok macam macam jenis medical card dari macam macam company.Apa yang buat aku kagum dengan medical card pruflexi med ni sampai aku rasa nak pi telefon semua kawan kawan dah khabarkan berita gembira ni. Tapi sebelum tu mai sini aku nak terangkan tentang ciri ciri terbaik medical card Pruflexi Med dari prudential ini.


1. zero deductible / 300 deductible
Maksudnye korang boleh pilih nak cashless medical card ke atau bayar RM 300 bila discharge dari hospital. Cashless ini maksudnya korang masuk hospital tunjuk kad Prudential baya semua bill korang. best tak?

2.Plan ni sangat flexible , korang boleh pilih samada nak annual limit tinggi ke or nak room and board tinggi. Annual limit boleh dari pada RM 50k sampai RM 200k. setiap increment RM10k.maksudnye korang boleh pillih nak annual limit RM50k,RM60k,RM70k sampailah RM200k.

3. Manafaat ICU adalah selama 60 hari. selalu standard medical card lain 30 hari je.

4. Manafaat pre hospitalization selama 90 hari. Selalu medical card lain 30 hari je.

5. Lifetime limit semua darab 20. Kalau annual limit korang RM 100k darab dengan 12 maksudnya lifetime limit korang RM 2 juta.

6. Kalau korang masuk hospital , ikut plan bilik korang RM 200 sehari. Korang takut nak tido sorang ambil bilik kongsi RM 150 sehari. katalah korang duduk lima hari.  beza RM 50 tu prudential baya balik. sebab korang duduk hospital lima hari Prudential baya balik kat korang RM 250.

7. Seperti biasa plan ni adalah rider kepada prulink one. jadi maksudnya dia di attach dengan investment link. Maksudnya disini duit korang tak burn semua macam tu saja. Sebahagian daripada premium yang korang baya akan dimasukkkan kedalam akaun investment korang. Selepas tahun ke 6 korang boleh lihat investment korang naik mencanak canak sebab lepas tahun ke 6 dah tade komisen agent , komisen manager bagai. So apa nak rugi , Protection untuk bill hospital dah setel dan boleh buat saving lagi.

Kalau nak tahu lebih lagi jangan lupa call yer untuk appointment.

Apa pendapat korang tentang medical card ni? Pruflexi Med?

1. Medical card yang cashless tak payah co-insurance
2. Medical card yang boleh adjust nak annual limit tinggi ke atau nak bilik yang lagi best.
3.Medical card yang akan balik duit apabila korang masuk ke bilik yang lebih murah.


Medical card yang cashless maksudnye pegi hospital tunjuk kad seposen pun tak payah bayar.
annual limit kita boleh adjust nak manyak mane , kalau tinggikan annual limit kita kurangkanlah nilai bilik.
Kalau korang sepatutnya bilik RM 300 sehari tiba2 korang masuk bilik RM 200 selama 5 hari seronok tak kalau Prudential bayar balik RM 100 selama lima hari RM 500 kepada korang.

Berikut ni merupakan features medical card terbaru yang diperkenalkan oleh Prudential. namanya ialah Pruflexi Med.

Apakah kelebihan PRUlink one untuk sesiapa yang sudah mempunyai group health insurance daripada syarikat tempat anda bekerja?

PRUlink one adalah investment link plan yang membolehkan anda menambah medical card kedalam plan anda. Dengan PRUlink one kita boleh meningkatkan deductibles untuk mengurang premium. Jadi option ini sangat sesuai untuk anda anda yang sudah mempunyai group insurance dari tempat anda bekerja.

Contohnya:
Ali bekerja di syarikat A , syarikat A telah membeli group insurance untuk semua pekerjanya. Jumlah perlindungan group insurance Ali adalah RM 15,000 setahun dan RM 100,000 seumur hidup sebagai contoh.

Jika Ali membeli plan PRUlink one dengan RM 10,000 deductibles , ini bermaksud Prudential tidak akan membayar apa apa bil hospital untuk RM 10,000 pertama jadi Ali boleh menggunakan group insurance daripada syarikatnya untuk membayar bill untuk RM 15,000 pertama. Jika bil melebihi RM 15,000 Ali boleh menggunakan medical card Prudential untuk pembayaran bil.

Apakah kelebihan meninggikan deductibles?

Dengan meninggikan deductibles anda akan merendahkan premium bulanan anda dan mendapatkan perlindungan sepenuhnya daripada group insurance dan juga Prudential.

Sebagai contoh : Ali lahir pada 11/10/1981 ,tidak merokok dan bekerja sebagai designer.

Ali mengambil PRUlink one tanpa RM 10 000 deductibles RM 150 sebulan

Death benefit : RM 50,000
Crisis shield (critical illness) : RM 50,000
Accident , death and disablement : RM 50,000

Pruhealth (medical card) : PHL 150
Anual limit RM 62500
lifetime limit RM 625,000
Room and board : RM 150 sehari ( 2 bedded room)
ward allowance : RM 100 sehari
ICU allowance : RM 50 sehari
Surgery allowance up to RM 2500 sehari.
RM 1800 will be paid yearly on the event of TPD and criticall illness to your account so your account is free.


Ali mengambil PRUlink one dengan RM 10 000 deductibles RM 150 sebulan

Death benefit : RM 90,000
Crisis shield (critical illness) : RM 90,000
Accident , death and disablement : RM 80,000

Pruhealth (medical card) : PHL 150
Anual limit RM 62500
lifetime limit RM 625,000
Room and board : RM 150 sehari ( 2 bedded room)
ward allowance : RM 200 sehari
ICU allowance : RM 100 sehari
Surgery allowance up to RM 2500 sehari.
RM 1800 will be paid yearly on the event of TPD and criticall illness to your account so your account is free.

Tujuan deductibles adalah memberikan perlindungan yang sepenuhnya kepada mereka yang sudah memiliki group insurance daripada syarikat tempat bekerja.

Prudential : Pru Multiple Crisis Cover

PRUmultiple crisis cover is a term plan that recognizes the need for enhanced protection and peace of mind. This plan not only covers you against death, Total and Permanent Disability (TPD), it also protects you against a wide range of critical illnesses and allows you to make MULTIPLE critical illness and cancer claims. But not only that, you may also add on supplementary benefits that will further enhance your PRUmultiple crisis cover plan, which means you can customise this plan with features that would best suit your needs.

What do I get?

Critical illnesses claims of up to THREE times

You can make up to THREE* critical illness claims from a comprehensive and wide-ranging list of illnesses, giving you peace of mind that you are covered again and again.

Coverage for TWO instances of Cancer

PRUmultiple crisis cover allows you to make up to TWO cancer claims, giving you added protection when you need it most.

WAIVER of PREMIUMS upon diagnosis of critical illness

On the first diagnosis of a critical illness, PRUmultiple crisis cover will WAIVE ALL FUTURE PREMIUMS, so that you can concentrate on getting your health back on track without any additional worry.

COMPREHENSIVE coverage for death, disability and critical illnesses

We truly understand when you need help the most by giving your loved ones and yourself death and Total and Permanent Disability (TPD) benefits in addition to the protection for a wide range of critical illnesses. *Subject to terms and conditions.

How much do I pay? The premium will be determined by the sum assured. Examples as follows:

i. For a male non-smoker, with a sum assured of RM100,000

AGE POLICY TERM Annual Premium Rate (RM) 25 20 559 30 654 35 20 1058 30 1377 45 20 2769 30 3735

ii. For a female non-smoker, with a sum assured of RM100,000

AGE POLICY TERM Annual Premium Rate (RM) 25 20 524 30 636 35 20 1083 30 1316 45 20 2428 30 3060

For full premium rate details, please refer to the premium rate table: Male Non Smoker Male Smoker Female Non Smoker Female Smoker

Who can sign up? This plan is for anyone aged between 1 - 65 years old next birthday who wants

Peace of mind provided by multiple protection against critical illnesses; or A product that complements existing medical insurance to ensure protection beyond hospitalisation. Download Brochure

Prudential : Pruhealth Medical Card, The plan that pays you when you're healthy, pays your bill when you're not

Most of us realise the importance of having a medical plan to safeguard ourselves against unexpected and costly major medical 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 each 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 continue to enjoy peace of mind through the comprehensive health and medical coverage?

Introducing PRUhealth a regular premium medical rider that:

Gives you bonuses when you are healthy Takes care of your medical bills when you are not

You will also be issued a PRUassist card, giving you access to 24-hour, worldwide, Emergency Medical Assistance.

What do I get?

COMPREHENSIVE coverage for hospitalisation and surgery bills NO CLAIMS BONUS Option to SEEK MEDICAL TREATMENT OVERSEAS* AUTOMATIC UPGRADE OPTION of your PRUhealth plan* CHOICE to CHANGE your coinsurance option An option to WAIVE the annual claims limit* CHOICE of plans to suit your budget Coverage of up to age 100

You can select a plan of your choice:

With PRUHealth as your medical card, you can be can be sure of easy hospital admission. Just present the PRUHealth medical card upon hospital admission. PRUHealth covers comprehensively the hospital bill which will include:- a) Doctor Consultation Fee b) Surgical Costs (minor and major) c) Medicine d) ICU e) Room Fee f) Pre-Hospitalization g) Post-Hospitalization h) Day Surgery Benefit i) Cancer Treatment j) Kidney Dialysis k) International Coverage Note: Coinsurance is a cost-sharing arrangement under which the policyholder pays a specified percentage of the cost of an eligible benefit. If coinsurance is selected, policyholder will have to pay 10% of cost of an eligible benefit, subject to minimum coinsurance amount of RM300 and maximum coinsurance amount of RM1,000 for Hospital & Surgical Benefit, and maximum coinsurance amount of RM2,000 for Outpatient Treatment Benefit. The remaining balance is paid by the Company up to the annual limit. On the other hand, deductible is a fixed amount the policyholder must first pay regardless of the total cost of an eligible benefit (excluding cost of daily room & board) for any one disability during a 90-day period. If deductible of RM3,000 or RM10,000 is selected, policyholder will have to pay the first RM3,000 or RM10,000 of the total cost of an eligible benefit (excluding cost of daily room & board). The remaining balance is paid by the Company up to annual limit. ** PRUhealth 500 and PRUhealth 600 are only available when PRUmedic auto upgrade is attached to PRUhealth 300 and PRUhealth 400 plans. This benefit cannot co-exist with PRUannual limit waiver.

How much do I pay?

The premium that you pay for a PRUhealth plan is determined by your age, occupation class and plan type, subject to underwriting.

To find out more

You can take up PRUhealth when you purchase PRUlink one or PRUmy child policies. Download Brochure

Prudential : Prulady plan

As a woman, you will play many different roles and shoulder many responsibilities throughout your life - whether as a daughter, sister, wife, mother, niece, auntie, grandmother or friend. That's why we've developed our range of PRUlady plans to give you the health assurance you deserve as a woman. PRUlady for example not only gives you financial protection against female cancers and other female-specific illnesses, but also addresses your post-diagnosis and recovery needs to help you get your life back on track. For instance, not only will you receive 100% of your sum assured if you're diagnosed with breast cancer, but you'll receive an extra 30% sum assured to pay for breast reconstructive surgery. And for mothers-to-be, there's PRUlady plus which provides protection against complications that can arise during pregnancy, as well as treatment for newborn congenital illnesses.

What do I get? A rider to supplement to the PRUlink assurance plan, PRUlady provides protection for women of all ages by offering: Three levels of sum assured to choose from - RM50,000, RM100,000 or RM150,000 - depending on what you can afford and the extent of protection you require. Coverage on: Female-related cancers: Cancer of the Breast, or Cancer of Cervix Uteri, or Cancer of Fallopian Tubes, or Cancer of Ovary, or Cancer of Uterus, or Cancer of Vagina/Vulva OR Systemic Lupus Erythematosus with Lupus Nephritis 100% of your sum assured Carcinoma-in-situ of Breast or Cervix Uteri Note: When subsequently diagnosed with female-related cancer or Systemic Lupus Erythematosus with Lupus Nephritis, we will pay the remaining 70% balance of your sum assured. 30% of your sum assured Any one of the following: Rheumatoid Arthritis with Complication, or Breast Reconstructive Surgery, or Facial Reconstructive Surgery due to accident, or Skin Grafting due to burns or skin cancer, or Osteoporotic Fracture 30% of your sum assured How much do I pay? It's so affordable! Your premium depends on your age, the plan and the sum assured that you choose. For example, if you are 18 years old and you have chosen a PRUlady plan with a sum assured of RM100,000, expiring at age 60, you will pay RM488 a year. If you are 30 years old, you will pay RM715 a year for the same plan. Your PRUlady premium will be added to the total annual premium of your PRUlink one plan. Who can sign up? This plan is available to ladies between 18 and 60 years old (or 50 years old if you choose to receive coverage only up till age 60). You can choose to be covered up till age 60, 70 or 80. Download Brochure

Prudential Prulink one Plan

PRUlink one direka untuk memenuhi keperluan pelanggan pada setiap peringkat kehidupannya... memberikan mereka perlindungan sepenuhnya melalui manfaat perubatan dan kemalangan baru serta inovatif serta kombinasi peluang pelaburan tempatan dan global! Tambahan pula, PRUlink one menawarkan bonus ketaatan kepada pelanggan yang mempunyai rekod pembayaran premium yang baik!

BARU: Manfaat perubatan dan opsyen yang boleh didapati untuk PRUhealth
PRUhealth bukan saja memberi ganjaran kepada pelanggan dengan Bonus Tanpa Tuntutan (NCB), malah kini pelanggan anda juga boleh memiliki kebebasan serta kawalan ke atas manfaat PRUhealth mereka sama seperti PRUlink one. Manfaat dan opsyen baru yang boleh didapati:

PRUmedic overseas

Membolehkan pelanggan anda mendapatkan rawatan perubatan untuk 5 jenis penyakit yang dilindungi di Singapura, Hong Kong dan China.

PRUmedic auto upgrade

Naik taraf PRUhealth SECARA AUTOMATIK ke paras pelan seterusnya pada ulang tahun ke-5 dan ke-10 manfaat rider tanpa mengira keadaan kesihatan pelanggan dan sebarang tuntutan perubatan yang telah dibuat sebelum ini. (tertakluk kepada terma & syarat).

Pilihan untuk deduktibel lebih tinggi

Pelanggan anda kini boleh memilih antara koinsurans sedia ada, RM 3,000 atau RM 10,000 bagi PRUhealth. Bagi mereka yang mempunyai pelan perubatan sedia ada, PRUhealth dengan deduktibel lebih tinggi merupakan pilihan ideal sebagai pelan perubatan tambah nila.

Bagaimanakah pilihan deduktibel ini dapat membantu anda yang sudah mempunya coverage perlindungan dari syarikat tempat anda bekerja. Jika Coverage dari syarikat anda bekerja adalah RM 10,000 setiap tahun. Jadi anda boleh menggunakan opsyen RM 10,000 deduktible dimana prudential tidak akan membayar kos perubatan yang bernilai kurang dari RM 10,000. Anda boleh menggunakan Insurance yang disediakan oleh syarikat and dan hanya menggunakan medical card prudential jika kos rawatan bernilai lebih dari RM 10,000. Faedah yang anda akan perolehi jika menggunakan deduktibel adalah premium yang dikenakan akan rendah.

Apakah sebenarnya Prudential PRUmy child?

Soalan 1 : Apakah PRUmy child saya tak paham le ?
Jawapan : PRUmy child adalah insurance plan pertama didalam Malaysia yang memberi perlindungan kepada anak anda sejak daripada didalam kandungan lagi. Jika anda ada anak berumur bawah 18 tahun anda boleh membeli plan seumur hidup ini untuk perlindungan dan simpanan pendidikan anak anda.

Soalan 2. Siapakah yang layak untuk plan PRU mychild
Jawapan : Untuk foetus didalam kandungan 18-35 minggu , dan juga untuk sesiapa sahaja berusia anda 1 tahun ke 18 tahun ( pada hari jadi akan datang).


Soalan 3 . Bagaimana PRUmy Child melindungi anak saya ketika dalam kandungan
Jika anda mengambil plan PRUmy Child ketika anak anda masih didalam kandungan , anda boleh mengambil PRUearly start and PRUbest start yang akan memberikan faedah perlindungan ketika mengandung dan juga faedah perlindungan anak selepas dilahirkan.Dengan PRUearly start and PRUbest start anda akan dilindungi daripada komplikasi ketika mengandung , kematian ,kos untuk incubation dan juga kos rawatan hospital untuk "congenital conditions"

Faedah Faedah PRUearly start

"Death of foetus" = keguguran
Jumlah premium yang dibayar atau jumlah unit didalam akaun anda , yang mana lebih tinggi akan dibayar


Maternal Death ( sehingga 30 hari selepas bersalin) , akan dibayar RM 10,000

ICU atau HDU untuk bayi tak cukup bulan , RM 300 sehari

Kematian bayi ( dalam masa 30 hari selepas bersalin)
Jumlah premium yang dibayar atau jumlah unit didalam akaun anda , yang mana lebih tinggi akan dibayar

Incubation untuk bayi yang baru dilahirkan,RM 100 sehari maksimum 60 hari.

Rawatan hospital kerana "congenital conditions"

Contoh "congenital conditions" yang dilindungi oleh PRUearly start
1. Congenital Cataract
2. Congenital Deafness
3. Anal Atresia

Reimbursement of hospitalisation claims up to RM 25000 annualy up to age 2 ( Ini bukan medical card jadi anda perlu bayar dulu claim kemudian)



Faedah Faedah PRUbest start

Komplikasi ketika mengandung
Eclampsia , abruption placentae,Amniotic fluid embolism , RM 5000


"Death of foetus" = keguguran
Jumlah premium yang dibayar atau jumlah unit didalam akaun anda , yang mana lebih tinggi akan dibayar


Maternal Death ( sehingga 30 hari selepas bersalin) , akan dibayar RM 20,000

ICU atau HDU untuk bayi tak cukup bulan , RM 500 sehari

Kematian bayi ( dalam masa 30 hari selepas bersalin)
Jumlah premium yang dibayar atau jumlah unit didalam akaun anda , yang mana lebih tinggi akan dibayar

Incubation untuk bayi yang baru dilahirkan,RM 200 sehari maksimum 60 hari.

Rawatan hospital kerana "congenital conditions"

Contoh "congenital conditions" yang dilindungi oleh PRUearly start
1. Congenital Cataract
2. Congenital Deafness
3. Anal Atresia
4.Infantile Hidrocephalus
5.Atrial Septal Defect
6.Ventricular Septal Defect
7.Congenital Diaphragmatic
8.Tetralogy of Fallot
9.Transposition of great vessels
10.Truncus Ateriosus

Reimbursement of hospitalisation claims up to RM 25000 annualy up to age 2 ( Ini bukan medical card jadi anda perlu bayar dulu claim kemudian)


Mari kita tengok ape maksud sebenar ayat saintifik untuk congenital conditions diatas

Congenital Cataract



A congenital cataract is a lens that is opaque at birth. The exact cause of congenital cataract is unknown in most cases. But the number of incidents is low in developed countries. Of those, about half of the cases are inherited and may likely be due to a genetic predisposition toward underlying disorders. In undeveloped countries, the cause of congenital cataract has been linked to congenital rubella syndrome as it is passed from mother to newborn. A congenital cataract has been known to impair vision, but can be successfully treated.


Congenital Deafness
Congenital deafness refers to hearing loss which is believed to have been present since birth.¹ This is distinct from progressive impairment which is a problem noticed at birth but which worsens with time. Late onset impairment is when the hearing loss manifests itself postnatally but with no identifiable exogenous cause.



Anal Atresia
The anus is either not present or it is in the wrong place.


Infantile Hydrocephalus



Hydrocephalus^[1] (pronounced /ˌhaɪdrɵˈsɛfələs/), also known as "Water on the Brain", is a medical condition. People with hydrocephalus have an abnormal accumulation of cerebrospinal fluid (CSF) in the ventricles, or cavities, of the brain. This may cause increased intracranial pressure inside the skull and progressive enlargement of the head, convulsion, and mental disability. Hydrocephalus can also cause death.



Atrial Septal Defect




An atrial septal defect (ASD) — sometimes referred to as a hole in the heart — is a type of congenital heart defect in which there is an abnormal opening in the dividing wall between the upper filling chambers of the heart (the atria). In most cases ASDs are diagnosed and treated successfully with few or no complications.



Ventricular Septal Defect
Ventricular septal defect is a hole in the wall between the right and left ventricles of the heart. This abnormality usually develops before birth and is found most often in infants.


Congenital Diaphragmatic
"Congenital Diaphragmatic Hernia" or CDH. Congenital means "born with" and a hernia is a problem where something goes through a hole it is not supposed to. The hole is in your baby's diaphragm. The diaphragm is a muscle that helps us to breathe and keeps the organs in the abdomen from going into the chest cavity

Tetralogy of Fallot
Tetralogy of Fallot is the most common heart defect in children. The condition causes mixing of oxygen-poor blood with the oxygen-rich blood being pumped out of the heart and into the circulatory system of blood vessels.


Transposition of great vessels
In this situation, the pulmonary arteries are supplied by the left ventricle, and the aorta by the right ventricle. This, of course, is the opposite of the normal arrangement. Infants can only survive if there is a shunt between the two sides of the heart, and an atrial septal defect needs to be actually enlarged to allow adequate mixing of blood to deliver enough oxygenated blood to the body. Significant advances have been made in the surgical treatment of this disorder.


Truncus arteriosus
Truncus arteriosus is characterized by a large ventricular septal defect over which a large, single great vessel (truncus) arises. It occurs when the two large arteries carrying blood away from the heart don’t form properly and one large artery is present instead. This single great vessel carries blood both to the body and to the lungs. This artery (the truncus) sits over a large opening or hole in the wall between the two pumping chambers (ventricular septal defect).


Bagaimanakah PRUmy child boleh membantu anda membuat tabungan pendidikan untuk anak anda?
Bila anda membeli PRUmy child anda boleh menggunakan PRUsaver kid dan PRUedu saver untuk membuat tabungan untuk pendidikan anak anda.Wang yang dimasukkan akan dilaburkan untuk mendapat pulangan yang menarik. Anda boleh mengeluarkan wang itu pada bila bila masa sahaja .


Bolehkan saya menambah medical card untuk anak saya didalam plan PRUmy child anak saya?
Ya anda boleh memasukkan medical card kedalam plan anda tetapi medical card hanya akan diaktifkan 30 hari selepas bersalin.


Andakata terjadi apa apa kepada saya , adakah anak saya akan mendapat apa apa pampasan?
Jika anda ditimpa critical illness , hilang upaya penuh atau kematian ,
Tabungan dan polisi anak anda akan diterus oleh prudential secara percuma , Apabila anak anda meningkat dewasa wang untuk pendidikan sudah tersedia untuk anak anda.


Andakata terjadi apa apa kepada anak saya, adakah anak saya dan saya akan mendapat apa apa pampasan?
Jika anak anda ditimpa kematian , wang lump-sump akan dibayar kepada anda . Jika anak anda ditimpa hilang upaya kekal atau " critical illness" wang lump-sump akan dibayar dan tabungan dan polisi anak anda akan diteruskan oleh Prudential secara percuma. Wang untuk kegunaan anak anda akan tersedia apabila anak anda meningkat dewasa.