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.

Pecah Amanah kerana kos perubatan

Suasana Mahkamah Sesyen di sini hari ini bertukar sayu apabila bekas Pengurus Cawangan Pejabat Pos Putrajaya, Zaharah Jaafar yang mengaku melakukan pecah amanah RM95,500 mengemukakan rayuan bagi meringankan hukuman sambil menangis teresak-esak.

Semua yang hadir turut merasa simpati dan ada mengalir air mata semasa wanita yang mendakwa menghidap kanser pangkal rahim itu membacakan rayuan berpandukan satu nota yang ditulisnya.

”Saya reda dengan apa yang telah terjadi, sampai mati pun saya tetap mengaku kesilapan saya dan saya benar-benar bertaubat. Saya minta diberi peluang untuk perbaiki kesilapan.

”Saya juga akan ingatkan zuriat saya agar tidak lakukan kesilapan yang sama kerana ini dosa yang amat besar dan dosa yang amat pedih,” rayu Zaharah.

Menurut tertuduh, beliau terpaksa melakukan perbuatan tersebut kerana keadaan yang mendesak walaupun ia bukanlah sesuatu yang diinginkan dalam hidupnya.

Kata Zaharah, beliau juga kesal dengan tindakan bodoh yang akhirnya memakan diri apabila reputasi yang dijaga selama 20 tahun di Pos Malaysia musnah begitu sahaja akibat kesilapan tersebut.

”Akhirnya, impian dan cita-cita anak bongsu saya turut musnah apabila dia terpaksa tinggalkan pengajian untuk membantu keluarga serta menampung perbelanjaan pengajian kakaknya di universiti. Dia sanggup lakukan apa saja untuk kakaknya.

”Saya sangat memerlukan sokongan dan saya berharap agar sentiasa dapat bersama anak bongsu saya. Mungkin permintaan saya agak keterlaluan, tetapi dengan budi bicara mahkamah, harap dapat benarkan saya habiskan sisa-sisa hidup di sisi keluarga,” katanya lagi.

Zaharah, 45, mengaku melakukan pecah amanah wang hasil kutipan harian pejabat pos cawangan tersebut berjumlah kira-kira RM95,500 di Pejabat Pos Putrajaya, Aras 1, Blok B1, Jabatan Perdana Menteri, Putrajaya pada 18 Mei 2006.

Pendakwaan terhadapnya dibuat mengikut Seksyen 409 Kanun Keseksaan yang memperuntukkan hukuman penjara minimum dua tahun dan maksimum 20 tahun, sebatan dan denda jika sabit kesalahan.

Tertuduh yang kelihatan tidak bermaya terpaksa bergerak dengan dibantu oleh suami dan dua anak perempuannya.

Terdahulu, peguam Hasnan Hamzah memohon agar Zaharah dibebaskan dengan bon berkelakuan baik mengikut Seksyen 294 Kanun Tatacara Jenayah.

Kata beliau, anak guamnya terpaksa melakukan perbuatan itu selepas terdesak untuk membayar hutang ah long sebanyak RM38,000 yang dipinjam bagi membiayai rawatan penyakit yang dihidapinya.

Menurut Hasnan, selepas tiga kali dibedah kerana kanser payu dara pada 1996, tertuduh diserang kanser pangkal rahim dan memerlukan ubat tambahan bagi meredakan kesakitan selain rawatan di hospital kerajaan.

Apabila dipecat serta-merta pada 18 Mei 2006 setelah didapati melakukan pecah amanah, tertuduh sekeluarga hidup dalam kesusahan dengan suaminya terpaksa melakukan pelbagai kerja demi kelangsungan hidup serta untuk menjaga tertuduh.

”Simpanan sebanyak RM15,000 telah dikeluarkan untuk membayar hutang tetapi anak guam saya masih terpaksa menjelaskan bakinya kepada ah long lebih RM3,000 seminggu.

”Tertuduh sekeluarga hidup dalam ketakutan kerana dikejar ah long, malah pernah dibelasah menggunakan topi keledar. Keadaan yang mendesak akhirnya menyebabkan tertuduh terjebak dalam perbuatan itu,” jelasnya.

Obamacare : United States Health Care reform

Sila klik di atas gambar untuk size sebenar

United States akan mewajibkan kesemua warga US mempunyai Health Insurance menjelang 2014.

Di Malaysia , kerajaan kalau tanak wajibkan health insurance pun tapi sekurang kurangnya benarkan duit EPF digunakan untuk membayar health insurance. Jadi orang yang tidak berkemampuan untuk membayar premium insurance dengan pendapatan sendiri boleh menggunakan duit EPF untuk insurance diri dan keluarga.

Medan selera lebih kurang harap halal?

Aku pun tatau ape yang kurang , kurang halal kot :)

Graduan dan Call Center?

Kekurangan pekerjaan yang sesuai berbanding dengan jumlah graduan yang tamat pengajian saban tahun amat menjadi jadi.Graduan daripada bidang IT, kejuruteraan , pengurusan dan sebagainya berlumba lumba untuk mendapat pekerjaan yang sesuai dengan kelayakan mereka.Akan tetapi akhirnya mereka semua berjumpa di tempat dan bumbung yang sama call center. Persoalannya apakah gunanya ijazah yang mahal kosnya dan menggambil masa bertahun tahun untuk digenggam jika akhirnya kebanyakan graduan di Malaysia ini hanya diberi peluang untuk bekerja di tempat sebegini rupa. Apakah pengalaman yang dapat di kutip oleh graduan graduan ini jika mereka bekerja 4-5 tahun hanya untuk menjawab panggilan. Apakah pandangan anda?

We’re All Going to Die Someday: Making Informed Insurance Choices

his is a guest post from Amanda, a Colorado tech writer and an activist for children with congenital heart disease. This article is about Amanda’s personal experience with insurance. It’s not a prescription for other people, but insights into the value of insurance in her own life. It’s her hope that it will get you thinking.

There was a time in my life when the thought of insurance made my eyes glaze over. I’ve never been one to want to read details in insurance contracts, license agreements, etc. I also don’t always enjoy thinking through potential unpleasant situations. So, when it comes to buying and using insurance, I’ve learned some lessons the hard way.

I’ve made some mistakes with my car insurance, for instance. When I bought a second car to drive to grad school several years ago, I thought, “No, I don’t want to pay $3 extra a month for rental car coverage because we have two cars.” A few months later, I rear-ended a woman on the highway going 45mph. It took a while to get my car back, and my insurance went up a lot. But it also made it difficult for my husband Jim to get back and forth to work while I used the other car for work and school.

I had thought I didn’t need rental car coverage, because I figured, “Oh, I won’t be the one to cause an accident.” Ha! There is a reason it’s called an “accident.” So, lesson learned — I needed rental car coverage. I learned was to understand what I was buying.

Insurance details can be a pain:

• How high of a deductible can I actually afford?
• What kind of impact will that have on my emergency savings if I have to pay it?
• How much will I save by trimming features?

Recently I got a notice that wet- and dry-rot are no longer covered in my homeowners policy — do they know something I don’t? I’m still trying to figure out what this means to me, but I did notice that the price didn’t go down. Also, it took me five months to update the beneficiary information with the insurance company; I finally got it done right before Christmas. So, I’m not an insurance expert by any means, but I am a consumer and I have to make choices.

You’ve got my back — right?
In the early 1980s, my dad had his left foot crushed in a construction accident, and he nearly had it amputated. He couldn’t work for two years, during which our family of six lived on workers’ compensation wages of less than $1000/month. My sister was still a toddler and my dad couldn’t walk, much less care for her or pick us up from school, so my mom couldn’t get a job that paid enough to cover daycare.

When I was 19, working at McDonald’s I spent two months on workers’ comp after a pot of McHot McCoffee broke open and burned the skin right off my left foot. I was paid 75% of my wages, but did not have to pay taxes. Still, it was really hard to live on what amounted to less than minimum wage that summer.

When I was 21, my dad was diagnosed with esophageal cancer. For nine months, he lived off of his paid disability insurance through work. For his last nine months, he lived off of Social Security. There was a substantial difference in coverage. I have never been confused by an AFLAC commercial — I know exactly what that duck is quacking about. I don’t buy their product, but I appreciate what they’re selling.

When they offer disability insurance at work, I buy the maximum allowed. It’s a few bucks out of my pay check, but I ate enough government cheese in my childhood to know the value of this coverage.

At least I’ve still got my health
I could write a book on health insurance. (Maybe someday I will.) When my dad fought cancer in the mid-nineties, he had over one million dollars in medical bills. At the time, all but $4,500 were covered by his insurance. From 2003-2007, my own nuclear family paid out about $58,000 for insurance deductibles, copays and prescriptions; yet our insurance company has come closer to $3 million dollars (before their contractual discounts with hospitals and doctors). There are a lot of open-heart surgeries and a couple of c-sections, and an ambulance ride and a lap-coli in that tally, but as much as I might complain about my part:

• It’s not $3 million, and
• At least much of it was tax-deductible.

Once when I was sitting in the waiting room with my son at the cardiologist, a woman asked the receptionist how much an echocardiogram costs. The receptionist didn’t know; the nurses didn’t know; the doctor certainly didn’t know. It was early in my cardiology adventures, but now I could tell her it’s roughly $900-$1200, with another $200 for the cardiologist visit and $300 facility fee; so at least $1500 to tell her where her son’s murmur was on the spectrum of “let’s watch this” to “he needs a transplant or he’ll die.”

This woman, who ran a small business with her husband, had no insurance on her eight-year-old son. She had to talk to the finance department before she could decide whether she could afford to have this ultrasound to learn the secrets in her son’s heart. I don’t know what happened to her after that, but from what I know about congenital heart disease, she could easily be owing the hospital and doctors over a million dollars today. If their business was remotely successful they would not have qualified for Medicaid until a year after they went completely bankrupt. Today’s bankruptcy laws make it even harder for families to recover from these setbacks.

Your money or your life
Growing up, my father always emphasized the value of insurance. I knew our family’s insurance agent personally — he came to our house twice a year. When my dad was ten, his own father dropped dead of a heart-attack. My grandma lost the house, and they were forced to stay with relatives until she remarried. Like his father before him, my dad died young. He was only 48 when his battle with cancer ended — clearly cancer won.

My parents never had a lot of money, but my dad always made room in the budget for life insurance. My mother, who had been a stay-at-home mom since she was 17, had no work experience or job skills, but when my dad died, she was able to pay off their modest home and create retirement accounts for herself. Eventually, she used the care-giving skills she acquired as a parent, and taking care of my dying father, to start a career caring for the elderly. If my dad hadn’t obtained solid life insurance, my mother would have struggled to keep her house, and wouldn’t have had the luxury to try out a few different jobs before she found the right fit for her.

Those were my early life- and disability-insurance lessons. So, when we were 21 and 22, Jim and I bought our first life insurance policies. It’s no coincidence that my dad was going through chemo at the time. We started with $100,000 each. For a 21-year-old non-smoking woman, that was pretty cheap! Now I have a little over $1,000,000 and Jim has about half that (work doesn’t offer as much for the spouse as the employee). We pay about $80 a month for all of that life insurance.

I’ve worked it out, and with my son’s heart condition and the cost of our mortgage, we may be slightly over-insured for me, but not for Jim. If he died and I took a leave of absence (or worse if I were in an accident with him and incapacitated) that money could handle our mortgage until I was able to get back to work and childcare after it, but that’s all. Also, if we both died, a trust would be created for our kids that would not be eaten up by our son’s medical expenses, so at least our kids could still go to college and have essentials during the rest of their childhoods.

I think I’ll always carry enough life insurance to pay for my funeral and settle immediate, because insurance usually pays out faster than investment funds. I learned this when both of my grandparents died last year. The insurance check came six weeks before the investment money. They had actually pre-paid for their funerals, but they were both in their late-70s and did that as a favor to their grandchildren (my dad was their only child) so we wouldn’t have to deal with those details or expenses. This I wouldn’t do at age 33, but I’d start thinking about it when I get north of 70.

We finally had our wills done last year, and it feels good to take care of that too. It cost $500, but that buys a lot of peace-of-mind knowing my kids will never end up in foster care while a court takes several months in probate to settle our estate.

Pick your poison
Everyone has unique insurance needs. These are my own family’s experiences. If I had two cars again, I’d buy a used one and carry liability based on it. If I were a single woman with no kids, I would probably rent or own a small condo, and have only enough life insurance to pay for my funeral and settle my estate so my mom wouldn’t have to do it for me. If we didn’t have dependent children, I wouldn’t have as much life or health insurance coverage as I do. When we’re older and have more money in retirement, we’ll carry less insurance.

None of this stuff is fun to think about. But it’s a simple and unavoidable fact that we all die.

You may die from a car accident, a work accident, cancer, heart attack, infectious disease, or just old age. Most of the time, you don’t get to chose when or how you check out. You also don’t get to choose whether or not you or your children will get seriously ill. I’ve known lots of healthy people who’ve lived well and still gotten cancer, and I know great parents whose children have died from brain tumors, leukemia, and heart disease. You can control what you eat and whether you exercise, and that will mitigate your risk, but it doesn’t eliminate it.

I think the trick is to choose all of your insurance coverage options carefully based on where you are in life today, and who would be impacted if you were hurt, fell ill, or died. But do not forget to update your coverage based on your own needs and circumstances as you move forward and experience changes. Sometimes you will need more; sometimes you will need less.

I didn’t share all this to scare people into wasting money on insurance, but to encourage them to think seriously and realistically about what would happen if the roof caved in, the car got wrecked, a foot got lost, you find a lump somewhere it should not be, or you just never make it home one night. The most expensive mistake we can make is believing it won’t ever happen to us or someone we love.

by Amanda (http://www.getrichslowly.org)

Opening Ceremony : 2010 world cup South Africa

Mari kita Makan bola
Mari Kita tido Bola
Mari kita mandi bola

World Cup akhirnya tiba lagi ,
First game to day Mexic0 Vs South Africa