Medical Card PruBSN kini bernilai minimum RM500,000!!

The Face You Can Trust

What can you expect from Prudential?

Over 21 million people worldwide
know us as the face they trust
A lot has changed since we started in London 160 years ago. But timeless values like integrity, honesty and respect still remain at the heart of all we do. It's why over 21 million people worldwide have entrusted us with their wellbeing and wealth amounting to US$510 billion. It's a responsibility we take seriously—just like your needs.

From protection to wealth creation
In 1997, we made history by being the first insurer to launch investment-linked plans in Malaysia. How we got there was by listening to you. We work hard at enhancing and protecting the financial wellbeing of our customers by offering personalised financial solutions, insurance, unit trusts, retirement and health plans. We?re also the only foreign life insurer in Malaysia to market takaful products.

Our word is our promise
We understand how stressful it can be to go through mounds of paperwork when making a claim, and the anxious wait of having it processed. We won't let that happen to you. According to a survey by independent research company J.D. Power last year, Prudential provides the most convenient admission to hospitals and is the fastest in settling claims compared to key competitors. Within the last five years, our total claims payout has tripled, proof not only of our financial strength and reliability, but also that we take our word to heart.

Professionalism with a human touch
Once you meet us, you?ll realise that a Prudential Wealth Planner is not your average insurance agent. Our people are highly professional, trained to listen and equipped with the knowledge to advise you on your financial needs. This personal touch goes a long way in building your trust in us?and a relationship that lasts.

You've heard our story.
Now how about yours?
If you're thinking of a career move, you've come to the right place. Prudential leads the industry with the most productive sales force—double that of the industry's average. Be rewarded for your performance and hard work, while helping others secure their future. A Prudential Wealth Planner stands out from the crowd in many ways.

PLANNING YOUR RETIREMENT

Getting started

Good planning involves knowing what you want and then getting access to the most reliable information to help you get it.

Before you can make any plans, you need to know where you are in life and where you are headed.

That means reviewing your finances so you know exactly where you stand financially.

Know your retirement goals

More than investing and saving, retirement planning is about enjoying life after you decide to stop working.

What will you do with your time? Where will you live? How will your family fit into your plans?

The possibilities are endless – you may want to travel, engage in a hobby, volunteer, or even start a second or third career. It is important to develop a healthy lifestyle as well, so that you may enjoy the fruits of all your planning.

Things to be aware of

Investing in a retirement plan doesn't necessarily mean you will be financially secure when you retire. Here are some tips you may not be aware of when planning your retirement:

Start early. The best time to start a retirement plan is now.

-Avoid withdrawing money from your retirement plan.
-Actively monitor your investments.
-Don't rely on your spouse's retirement plan.
-Don't forget to review your plan regularly.
-Practice good asset allocation.
-Check on your financial advisor.
-Make your retirement plan a serious priority.


WHY YOU SHOULDN'T WAIT

It's important to get started investing for your retirement if you haven't already. No matter what your age is, now is the best time. Let us show you how much waiting can cost you:

The cost of waiting:
Monthly investment needed to build an RM500,000 nest egg by age 65



Assuming 8% annual rate of return, with all distributions reinvested.


As you can see, your ability to reach your retirement goal will be affected the longer you delay investing.

Time works for you, because one of the biggest factors affecting the growth of your retirement nest egg is compounding. The longer the period, the greater the benefits of compounding tend to be.




READY TO RETIRE? HERE'S A CHECKLIST:

To gauge your progress in retirement planning, use this checklist to see if you have considered these important issues!

Where do you want to live?
Many desire a smaller home with fewer chores, or move to a place where the pace of life is slower.

What will you fill your time with?
Depending on your personal preferences, you may choose lead an active or leisurely lifestyle. Are there any hobbies you plan to take up? Are there any plans to visit your grandchildren more often?

Would you like to work again?
Some choose to work part-time or embark on their own businesses when they retire.

What are your income needs?
Estimate your annual expenses, allowing for the rising cost of medical care, living, and taxes. Consider also big purchases such as a new car, or house downpayments for your children.

Do you know how much you can withdraw from your nest egg?
It is prudent to seek professional advice if you are not sure.

Have you re-evaluated your asset allocation?
Take a look at your portfolio's risk, and ensure a portfolio that is diversified.

Have you investigated long-term care insurance?
Consider purchasing these before you retire, especially medical and health insurance if your employer does not provide any retiree benefits. Start early as premiums will increase the longer you wait.

Will you receive employer-provided benefits?
Check with your company retiree benefits; these may affect the retirement date you select.

Is your estate plan updated?
Prepare or update your will and other documents.

Insurance: Top 10 Frequently Asked Questions

1) What is life insurance?
2) How does life insurance affect me?
3) How do I choose the right life insurance policy to meet my needs?
4) What types of life insurance policies are available? What are they used for?
5) What is an investment-linked policy? How does it differ from others?
6) If I have a life insurance policy, who will get the money when something happens
to me? What do they have to do to claim the benefits?
7) What are the important aspects of financial planning?
8) I am having financial difficulties right now; should I surrender my policy?
9) How can life insurance help me with my mortgage(s)?
10)What is an assignment? Can a life policy be assigned? If so, how should I do it?


1. What is life insurance?
Life insurance is concerned with events that could happen during a person's life and the probability of such an event actually taking place. The policyholder pays premiums regularly and this ensures payment of an agreed amount if the specified event - such as death or an accident resulting in death or disability - occurs. Premiums collected from all the policyholders are pooled together to form the life insurance fund. This fund is nurtured with the intention of being paid out as and when required to the dependents of those who have contributed to it. Life insurance normally combines protection with a regular savings programme.

While life insurance cannot prevent any of these events from happening, it can provide for protection against financial loss as a result of these events.



2. How does life insurance affect me?
Life insurance is used for two broad purposes:

To provide financial security - provides you and your family with financial protection when unexpected events and hardship, such as disability, critical illness or the loss of a loved one, occur. Once you own a life insurance policy, you and your loved ones are immediately secured against such risks.

As a medium to long term savings and investment vehicle - life insurance helps your savings and investment grow so that you can plan for the good things in life, such as a comfortable retirement, a good education for your children, or that dream car, house or holiday.




3. How do I choose the right life insurance policy to meet my needs?
There are numerous life insurance policies available. Here are some basic guidelines that can help you with your decision.

The right policy
While there is no universally correct policy, the right policy can be described as one that will provide you with adequate financial protection and is affordable.

Knowing your needs
Life insurance should be bought based on meeting your insurance needs. Few people can afford to buy all the insurance they desire immediately. It is therefore necessary to decide which insurance needs are of higher priority. Here are some of the common reasons for buying life insurance.


To provide income continuity in the event of death or disability
Even in a family with more than one income, the family will suffer a financial setback if one of the income earners dies. In the case of a family with only one breadwinner, the hardship will be severe.
Similarly, if a person becomes totally and permanently disabled, he or she will not be able to continue working. In addition to loss of income, there will be a financial drain caused by the need to accommodate the condition. The family needs to be protected against such misfortune.

Life insurance provides financial protection for your dependents. It gives them cash to tide them over difficult times. When buying life insurance for this purpose, you should look at the financial commitments of your family.

To provide income for the policyholder if he/she becomes critically illShould you be diagnosed with a critical illness, such as cancer, kidney failure or stroke, medical expenses will add up to a hefty amount.
Insurance can help with such expenses as a lump sum of cash will be paid to you once you are diagnosed with a critical illness. This money can help you with medical bills and other expenses arising from the critical illness.

To provide savings or investments
Life insurance is not just about sickness and death, it is also a good savings and investment tool.
You may be saving for a car or a condominium. You may want to go on a holiday or for further studies. Life insurance provides you with stable returns and helps you realise your dreams. It is also a good investment vehicle that can help you build a retirement nest egg.

To provide for your children's education
Education, especially tertiary education, has become increasingly expensive. Life insurance is one way to ensure that there are sufficient funds for your children's education. PRUlink education account, for example, efficiently facilitates this need.

Affordability
Life insurance should be bought based on your financial needs. Few individuals can afford to buy all the insurance they desire immediately, so it is vital to decide which insurance needs are the most important. Generally, higher premiums will bring you more benefits. Thus, it is important to find the right balance between the amount paid and the amount insured for. You should buy policies which satisfactorily meet your insurance needs and which you can afford.




4. What types of life insurance policies are available? What are they used for?
Life insurance policies can be divided into those with profits and those that are non-participating. With profits plans allow the policyholders to share in the profits made by the life insurer. A non-participating plan does not and is therefore relatively cheaper. Most life insurance plans are participating, with the exception of term plans and supplementary benefits or riders.
The main types of life insurance plans are:

Whole Life
provides lifetime protection for the life assured. A fixed sum of money - the sum assured - will be payable upon the death of the life assured. Correspondingly, premiums are payable as long as coverage is provided. If the policy is surrendered before that, the policyholder is entitled to the cash value.

Endowment
provides protection for the term of the policy. This type of policy can be taken up for a specific period of time, for example 10, 15 or 20 years, or up to a certain age, for example 55, 60 or 65. A fixed sum of money - the sum assured - will be payable upon the death of the life assured. Should the policyholder survive the policy term, he or she will receive the sum assured as a lump sum payment. Premiums are paid throughout the policy term. A slight variation of an Endowment plan, and one which offers earlier partial maturity payment in installments during the term of the policy, is the Anticipated Endowment plan.

Term
provides protection throughout the policy term. The sum assured is only payable if the life assured dies during the policy term. This plan is affordable for someone who needs protection but may not have the budget. Term plans are usually convertible, that is, policyholders have the option to convert them into whole life or endowment plans without having to provide evidence of health.

Supplementary Benefits or Riders
provide additional benefits that are not usually included in the main plans mentioned above. These include benefits for hospitalisation, medical expenses, advance payment due to critical illnesses, temporary and permanent disability, death or disablement due to accidents and income protection, to name just a few.




5. What is an investment-linked policy? How does it differ from others?
An investment-linked policy (ILP) gives you investment returns on your savings and provides insurance coverage at the same time.

There are two main types of ILPs: regular premium and single premium.

Regular Premium ILP
Like the traditional life policy, the regular premium ILP provides financial protection against premature death and acts as a tool of investment. However, the degree of flexibility marks the difference between them. Below is a summary of the differences.


Protection/Investment Mix

Traditional Policy - the proportion of protection and investment is pre-determined. You can change the mix by surrendering part of the policy or by purchasing additional policies to increase the protection.

ILP - you can increase or decrease the protection or investment element in the policy to suit your financial needs.

Premiums
Traditional Policy - you have to pay the same premium amount throughout the term of the policy.

ILP - you can decide to increase or decrease the premium amount to suit your budget, subject to certain limitations.

Investment Choice
Traditional Policy - premiums are invested at the insurance company's discretion, subject to guidelines set by Bank Negara Malaysia.

ILP - you can choose from the various investment funds offered by the life insurer, based on your own risk/reward profile and investment time horizon. You can also switch from one fund to another when the investment climate or your own risk-profile changes.

Risk
As with all investments, there is a risk factor to consider. You will experience the ups and downs that naturally occur in the investment market. These ups and downs are reflected directly in the value of the funds, thus making the returns under an ILP more volatile. However, in the medium to long term, ILPs are likely to give higher returns than traditional policies due to the greater exposure to equity investment.

In contrast, traditional policies carry minimum cash values prescribed by law and provide more stable returns. Which type of policy to buy depends on your risk/reward profile.

Single Premium ILP
A single premium ILP is similar to a unit trust except for the additional life insurance cover provided. Should you decide to surrender the policy, the cash value is based on the prevailing value of the fund. Should you die, you will receive, for example, the sum assured or the value of units, whichever is higher. The death benefit is a salient feature of a life insurance policy and is not available to those who invest solely in unit trusts.




6. If I have a life insurance policy, who will get the money when something happens to me? What do they have to do to claim the benefits?
If death occurs, we pay to:

the estate if there is no will
the executor if there is a will
the trustees if there is a nomination/trust, or
the assignee if we have been notified of an assignment
A non-Muslim policyowner may nominate a natural person(s) (i.e nominee(s)) to receive policy moneys payable upon his death under his policy at any time by completion of a nomination form. Where a nominee is spouse, child or parent (where there is no spouse or child living at the time of nomination), a trust shall be created automatically.

If the policyowner is a Muslim, the nominee shall act as an executor. He shall distribute the policy moneys in accordance with Islamic Law.

If there is a living benefit claim, such as disability or critical illness, we will pay upon total and permanent disability or diagnosis of a critical illness.

The person claiming the policy money will have to notify the life insurance company and provide documentary evidence to substantiate their claim.




7. What are the important aspects of financial planning?
There are four aspects of financial planning:

Insurance planning - you use insurance plans to meet the financial security needs of yourself and your family, should any mishap happen to you and/or your loved ones.
Investment planning - you have your money work for you and reap the returns according to your risk profile.
Retirement planning - you ensure that you are able to continue with a comfortable lifestyle and do the things you want to do after retirement.
Tax planning - you ensure that appropriate taxes are being paid without having to make large sacrifices.




8. I am having financial difficulties right now; should I surrender my policy?
There may be times when you might meet with financial difficulty and consider surrendering your policy. You should, however, evaluate the various options available before surrendering.

When you surrender your policy, the amount of money you receive (known as the surrender value) may be more or less than the total premiums you have paid. This will depend on the age at which you bought the policy and the terms of the policy.

Remember that an insurance policy is a medium- to long-term investment. You are likely to lose some of your premiums if you surrender your policy after a short period, while you stand to gain attractive monetary rewards if you can continue your investment over the medium to long term.

More importantly, you must also consider the insurance coverage that you will lose at a time when it is needed most. When your financial resources are low, every income source is crucial to your family. If you surrender your policy now, your family will have to make ends meet without either your income source or any insurance proceeds should something unfortunate happen.
Generally, you have 2 options.

If you have difficulty paying your premiums, you may want to consider going on a 'premium holiday' instead. Once your policy has acquired a cash value, you can go on a 'premium holiday' during which you do not pay premiums but still receive insurance coverage. This is possible as long as your policy has cash value that can be used to pay your premiums. Only when the cash value is depleted, will your policy lapse.

Alternatively, you can convert it to a 'paid-up' policy where you stop paying premiums but maintain the validity of your policy with the reduced sum assured.

It is important to think it over carefully before making the decision to surrender your policy. You may want to take up one of the two options above rather than LOSE your investment and financial security for your family.





9. How can life insurance help me with my mortgage(s)?
Most people would have taken up a mortgage loan when they purchased a new home. It is important to take up mortgage insurance so that your family can still continue to live in the home that you have provided for them, even when you are no longer around. The sum assured of the mortgage insurance will pay for the mortgage loan.




10. What is an assignment? Can a life policy be assigned? If so, how should I do it?
An assignment means to transfer the rights of personal property to another person. A life insurance policy can be assigned as it is regarded as a form of personal property.

The assignment can be done via a Deed of Assignment signed by the assignor (policyowner) and the assignee (the party receiving the rights of the policy).

For the assignment to be effective, notice of the assignment must be given to the life insurance company.

Prudential BSN Takaful merupakan Syarikat Takaful No.1 di Malaysia

Semenjak penubuhan Prudential BSN Takaful pada 8 Ogos 2006, kami telah mendapat kepercayaan daripada 180,000 pelanggan seperti anda, dengan jumlah caruman sebanyak RM288juta. Kejayaan ini meletakkan Prudential BSN Takaful sebagai Syarikat Takaful No.1(caruman berkala) di Malaysia. Andalah tonggak kejayaan kami.

Keluarga Prudential BSN Takaful amat teruja meniti masa depan yang penuh cemerlang bersama-sama anda.

Kisah Sedih Artis-Artis Malaysia

BIENDA KINI BERTARUNG NYAWA

SEJAK hujung tahun lalu dadanya sering saja sakit. Mulanya dia menyangka ia sekadar sakit biasa sebaliknya penyanyi nasyid Bienda terpaksa menerima hakikat dia menghidap sakit jantung berlubang. Mujurlah ia dapat dikesan pada peringkat awal ketika mendapatkan rawatan di sebuah klinik swasta baru-baru ini. Bagaimanapun ketika doktor pemeriksa degupan jantung Bienda, bunyinya seakan berbeza menyebabkan dia diarah merujuk kes berkenaan ke hospital.

Mungkin sudah takdir, akhirnya Bienda atau nama sebenarnya Norrazlinda Razli, 22, terpaksa menerima hakikat terdapat lubang sedalam 25 milimeter pada bahagian kiri jantungnya. Lebih mengejutkan, pihak hospital memaklumkan peruntukan untuk melakukan pembedahan jantung itu memerlukan kos sekitar RM50,000. Mana hendak dicari duit sebanyak itu? Persembahan pentas pun bukannya ada. Itulah nasib mereka. Hendak meminta malu tetapi jika tidak berbuat demikian bimbang penyakit itu akan melarat.

Mungkin sudah rezeki dari Tuhan, beban itu dapat juga dikurangkan apabila Pergerakan Pemuda UMNO pada 2 Januari lalu memaklumkan kesediaan mereka menghulurkan sumbangan RM25,000. Melalui Persatuan Karyawan Malaysia (Karyawan) yang membantu berusaha mendapatkan peruntukan itu, paling tidak kedua-dua beranak tersebut mampu juga menarik nafas lega.

Dipetik daripada Utusan Malaysia: 6 Januari 2008
Alhamdulillah. Kini Bienda telah pun sembuh

FINAS SUMBANG RM10,000 BANTU M.RAJOLI

Pelakon M. Rajoli yang kini menjalani rawatan kemoterapi dan fisioterapi selepas menjalani pembedahan membuang ketumbuhan pada otaknya, menerima sumbangan RM10,000 daripada Perbadanan Kemajuan Filem Nasional Malaysia (Finas) di Hospital Ampang, di sini hari ini.

Sepanjang berada di Hospital Ampang, M. Rajoli akan menjalani rawatan kemoterapi selain rawatan beberapa penyakit lain termasuk kencing manis, darah tinggi dan asma. “Setakat ini, suami saya baru dua kali menjalani kemoterapi. Rawatan susulan akan dijalankan seterusnya tidak lama lagi. Setiap rawatan kemoterapi menelan kos RM3,000,” katanya. Pada 14 November lalu, M. Rajoli menerima sumbangan wang tunai berjumlah RM1,000 daripada Persatuan Karyawan. Karyawan juga bersetuju memberi imbuhan RM500 sebulan seumur hidup kepada pelakon itu menerusi Skim Pencen yang diwujudkan oleh persatuan tersebut.

Dipetik daripada Utusan Malaysia: 21 November 2007

Semoga beliau semakin sembuh

INI SEMUA DUGAAN ALLAH - YUSNI

“Ini semua dugaan dan ujian Allah pada ibu. Dia Maha Penyayang. Ibu terima semuanya ini dengan hati yang reda’’. Itulah bait tutur yang mampu diluahkan oleh seniwati Yusni Jaafar ketika Mega mengikuti Persatuan Seniman Malaysia (Seniman) melawatnya di Hospital Selayang, Selangor, baru-baru ini.

Melihatkan tubuh Yusni yang hanya terbaring di atas katil, hati setiap mereka yang melawatnya pasti diselubungi perasaan sedih dan sayu. Manakan tidak, tatkala diajukan soalan mengenai keadaan diri, Yusni jelas seakan-akan mahu menyembunyikan penderitaan yang ditanggung di sebalik lantunan nada serak.

Namun, hakikatnya, ibu kepada Raja Iskandar, 41; Raja Ema, 39; Raja Izat, 37; Raja Emey, 30, dan Raja Erna, 23, itu kini cukup derita akibat penyakit hati serta buah pinggang. Di samping itu, Yusni yang dimasukkan ke hospital sejak 31 Januari lalu turut menanggung seksa penyakit kencing manis.
Dipetik daripada Utusan Malaysia: 14 Februari 2008

Al-Fatihah untuk Allahyarhamah Yusni Jaafar yang telah kembali ke Rahmatullah pada 1 April 2008

SUDIRO - TABAH KETENTUAN ILAHI

MASIH ingatkah lagi dengan dramatis yang begitu sinonim dengan watak Tapa dalam siri popular Rumah Kedai yang pernah ditayangkan sepanjang Ramadan di TV3 tidak lama dahulu? ‘Tapa’ yang dulu berbadan gempal, kini sudah kurus dan cengkung. Inilah realiti yang terpaksa diterima setulusnya oleh ‘Tapa’ atau nama sebenarnya Sudiro Sukirman, 48, yang mengidap pelbagai jenis penyakit. Katanya, dia mula mengidap penyakit kencing manis ketika berkhidmat dengan TV3 sebagai Penolong Penerbit Bahagian Hiburan dari tahun 1995 hingga 2005.Sudiro juga pernah bertugas sebagai penulis skrip di Grand Brilliance Sdn. Bhd.

“Nasib baik sakit buah pinggang saya tak sampai tahap teruk lagi. Doktor kata, lagi dua peratus kalau tak jaga betul-betul memang kena dialisis," katanya yang perlu menyediakan RM1,000 setiap bulan untuk membiayai perubatannya.

Sudiro kini tinggal di Selayang, Kuala Lumpur bersama adiknya, Sumini Sukirman, 42. Kata Sudiro, dia terpaksa makan enam jenis ubat termasuk ubat jantung dari Institut Jantung Negara (IJN) yang bernilai RM250. “Kadang-kadang bila makan banyak sangat ubat, kulit pun mengelupas, mungkin sebab panas,” kata Sudiro yang mengakui berpantang makan makanan pedas dan juga ikan kembung.

Sudiro kini bertugas sebagai pengajar Teater Boneka di Universiti Malaya (UM) dan juga sering mendapat undangan membuat pertunjukan boneka di sekolah-sekolah. Selain itu, Sudiro juga menulis skrip untuk menampung perbelanjaan rawatannya. “Skrip terbaru saya ialah Bawang Kecil Bawang Besar,” kata Sudiro.

Dipetik daripada Utusan Malaysia: 11 Oktober 2007

Al-Fatihah untuk Allahyarham Sudiro Sukirman yang telah kembali ke Rahmatullah pada 19 Oktober 2008

AZEAN PERLUKAN RM90,000

Sudah dua minggu aktres Azean Irdawaty selamat menjalani pembedahan membuang ketumbuhan pada payudaranya dan aktres itu sudah disahkan semakin sihat, malah tidak sabar untuk bersama dengan karyawan lain ke Festival Filem Malaysia di Pulau Pinang awal Ogos nanti.

Apa pun, di sebalik senyuman riang Azean itu ‘tersembunyi’ sesuatu. Pelakon versatil berusia 57 tahun ini sebenarnya memerlukan bantuan kewangan untuk membiayai kos rawatannya. Kos rawatan penyakit kanser memang agak tinggi. Kimoterapi saja, sebanyak RM42,000 diperlukan Azean bagi enam sesi rawatan yang dijalani di Hospital Pakar Damansara pada 18 Julai lalu.

Kos berkenaan belum termasuk rawatan radioterapi yang akan dilakukan di hospital di Nilai. “Selepas mengambil kira semua perkara saya memerlukan kira-kira RM90,000,’’ katanya dalam senyum yang gundah.

Bagaimanapun, setakat ini sebanyak RM33,000 berjaya dikumpulkan. Ia hasil sumbangan diperoleh Azean daripada saudara, rakan, persatuan dan pihak yang prihatin pada dirinya. Azean mungkin kacau dan risau sebab untuk mendapatkan kos sebanyak itu bukannya mudah. Ambil masa dan tenaga, tetapi masalahnya dalam keadaan sekarang dia tidak boleh bekerja untuk mencari wang.

Dipetik daripada Utusan Malaysia: 22 Julai 2007
Alhamdulillah. Kini Azean Irdawaty semakin pulih

CUBA RENUNGKAN SEJENAK

Apa yang bermain di fikiran anda sekarang?
Apa perasaan anda apabila membaca kisah-kisah sedih artis kesayangan anda ini?
Nasib mereka sudah ditentukan sebegitu, nasib anda bagaimana pula?
Apa persediaan anda jika perkara-perkara sebegini terjadi kepada diri sendiri, ibu, bapa, isteri, suami, anak-anak atau ahli keluarga anda yang lain?
Mahal bukan kos rawatan perubatan? Mampukah anda menyediakan sejumlah wang yang banyak untuk membiayai kos rawatan perubatan?

SEJAUH MANA ANDA TELAH BERSEDIA UNTUK MENGHADAPI PERKARA-PERKARA SEBEGINI?

Anda BERNASIB BAIK kerana berpeluang membaca artikel ini. Kami bersedia untuk MEMBANTU anda menghadapi situasi-situasi sebegini. Hanya ada SATU cara untuk menghadapi perkara-perkara sebegini sekiranya ditakdirkan berlaku terhadap diri dan keluarga anda iaitu dengan memiliki polisi INSURANS atau TAKAFUL.

Jadikan Kisah Sedih Artis-Artis Malaysia yang baru anda baca sebagai panduan dan iktibar. Mungkin salah kami kerana tidak berkesempatan untuk bertemu mereka sewaktu mereka masih SIHAT dan menolong mereka disaat mereka benar-benar memerlukannya.

Terlalu ramai orang di luar sana yang perlu kami temui setiap hari. Hakikatnya ada 15 juta rakyat Malaysia yang belum mempunyai perlindungan insurans atau takaful dan anda adalah sebahagian daripada statistik ini.

Bertindaklah SEKARANG, JANGAN BERLENGAH LAGI. Kami tidak mahu kisah sedih artis-artis ini BERULANG pada diri anda dan keluarga.

INGAT!!! INSURANS HANYA BOLEH DISERTAI KETIKA ANDA MASIH SIHAT SAHAJA, BILA SUDAH SAKIT, TIADA INSURANS YANG BOLEH ANDA SERTAI.

Andai Ku Tahu....

Bukti Pembayaran Tuntutan

Kes 1
Tuntutan Penyakit Kritikal
Umur 32 Tahun , Penyakit Leukemia
Jumlah Tuntutan : RM50,000


Kes 2
Tuntutan Penyakit Kritikal
Umur 44 Tahun, Penyakit Jantung
Jumlah Tuntutan : RM30,000
Kes 3
Tuntutan Penyakit Kritikal
Umur 35 Tahun, Penyakit Kanser Usus
Jumlah Tuntutan : RM40,00
Kes 4
Tuntutan Manfaat Kematian
Umur Anak 17 Tahun, Penyakit Buah Pinggang
Jumlah Tuntutan : RM22,434.58

Kes 5

Bil Hospital

Umur 24 Tahun, Demam Denggi

Jumlah Bil : RM 2,785.60

Prudential tanggung RM2,420.60, Client bayar RM365.00 (ko-takaful RM300, RM65 lagi tu amount not entitled). Claim Hospital Benefit, RM200 sehari. Client masuk wad 6 hari, so dapat RM1,200.