PruBSN Pelindung

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How does Takaful Pelindung work for me?

This is a yearly renewable Takaful Personal Accident plan that ensures you are secured through trying periods in your life.

Am I eligible for the Takaful Pelindung Plan?

You are eligible if you are between 18 to 65 years old.

How much is the contribution that I have to pay?

The amount of contribution will depend on the selected plan and the classification of your occupation. You are also required to pay RM10 for the stamp duty of the certificate.

What are the basic benefits of this Plan?

What are the additional benefits that I can add to this Plan?

What are the major exclusions?

What is meant by surplus sharing?

PRUDENTIAL BSN NO 1 IN Malaysia !!!

Prudential BSN Takaful Takaful products have been selected as No. 1 in Malaysia for the category of regular contributions (Regular contribution) for the year 2008. With more than RM184 thousand proceeds to prove the people's trust in the product PruBSN takaful malaysia.

The takaful PruBSN participants. I represent the takaful PruBSN say thank you for your support this. without you siapalah us ... and the customers, I say thank you because I believe as a representative of your takaful. without you I siapalah ...

Read more: http://www.takafulbsn.com/prudential-bsn-no-1-di-malaysia/ # ixzz1VupNQrME

MEDICAL CARD - TAKAFUL HEALTH (TH)

Medical Card or Takaful Takaful PruBSN Health is an added benefit of the special Takafulink policy to cover medical bills.

Health Takaful Among the advantages are as follows:


     Annual limits and the overall limit of up to 80 years of high

     Free choice of hospitals and doctors to treat you

     24-hour coverage worldwide

     Online payment services in over 50 hospitals nationwide panel. You do not have to pay the bills first. Instead the cost of treatment will be paid directly to the hospital through service facilities Hospital Alliance Services (HAS).

     Treatment before hospitalization and after discharge
     Home nursing

     A day surgery (Day Surgery)
     Outpatient emergency treatment for accidental injuries

     Kidney Dialysis

Cancer Treatment
     Guaranteed renewal up to age 80
     No cancellation of the guarantee portfolio (Non-Cancellable)

     NCB benefits: No Claim Bonus for those who do not make any claims during the year. The bonus will be credited to the policyholders' investment accounts in the following year.
     You can choose to waive the annual limit ... can continue to claim per lifetime limit. So, if a claim is besar2 .... do not have to worry about excess bills limited due to the annual limit.
     And many lagii ..... contact me now ...


See table below for a list of the benefits of Takaful Health (TH)

Information on NCB:

     NCB or No Claim Bonus is one of the special plan Takaful Medical Health Card.
     NCB will be given to the client-a client that does not make a claim / claims of medical benefits card (Takaful Health) in the current year. For example: Client take TH 200 plan. In 2009, he never made a direct claim of medical benefits card. So, the NCB of RM 300 (see table above) ... will be credited to client investment accounts in 2010. In 2010 even the client is still not made any claims, and the client will get RM 300 NCB (credited in client investment accounts) in 2011.

     However, if the client is making a claim in 2011, the client will not receive any bonus in the next year ie in 2012. Then, in 2012, the client does not make any claims, RM 300 will be credited to client investment accounts in 2013. and so on.
     Amak plan unique and special. Medical card that offers NCB's first Takaful in Malaysia. Find out about it now. contact me: 012-9918604 (Zainal) for more information.

Note:

Takaful Benefits Health (TH) is subject to the terms and conditions of co-takaful, namely:



1 - Co-Takaful by 10% (minimum RM 300 and a maximum of RM 1,000) for Hospital and Surgical Benefit (In Hospitalisation & Surgical), EXCEPT for Hospital Accommodation Benefit Room and there is no co-takaful Times are imposed. Meaning, PruBSN will pay 100% of the cost of the room according to the plan adopted.

Summary of co-takaful in-hospitalisation


(300 <= co-takaful: 10% <= 1000)
Example 1:

Total No. of RM 2,000: 10% Co-Takaful = RM 200. As Co-Takaful minimum RM 300, the client have to pay RM 300 to hospitals, while paying the remaining PruBSN RM 1.700

Example 2:

Total No. of RM 5,000: 10% Co-Takaful = RM 500. Clients have to pay co-takaful RM500 to hospital, because the value of 300 to 1000. PruBSN will pay the bill at RM 4.500.

Example 3:

Total No. of RM 30,000: 10% co-Takaful = RM3, 000. Clients only need to pay RM1, 000 because the maximum limit was RM1, 000. PruBSN will pay the bill at RM 29.000.

Therefore, you are advised to take a comprehensive plan is to introduce allowance Benefits Hospital (Hospital Benefit) and Allowance Benefits & Surgery ICU (Medical Cover). This benefit will help you to cover the cost of co-takaful above. For more information or a clearer explanation, you can call me at (Aziz) 019-323 2121 or email: abdriadi@prupartner.com.my
2 - For Outpatient Treatment Benefits. Clients only pay 10% of the bill applied only. Not subject to minimum and maximum limits. For this benefit, clients need to make advance payment and claim to PruBSN. ORIGINAL RECEIPT Make sure you get when you make payment. This is because, without the original receipt, the claim will not diluluskan.3-What is the exception?


Exclusions are:

1. Self-inflicted injury.
2. War, direct involvement in the riots, strikes or civil disturbances.
3. Pregnancy, childbirth, miscarriage or abortion.
4. Dental treatment unless necessitated by accidental injury or illness that involves oral surgery.
5. Any elective surgery, cosmetic surgery or plastic surgery (unless necessitated by accidental injury or illness).
6. Hospitalisation primarily for investigation, diagnosis, X-ray examination fees or general physical health examination, regular treatment for weight reduction or rehabilitation, care or rest cures.
7. AIDS, HIV infection or the presence of any disease that is spread through sexual contact.
8. Services that are not related to medicine.
9. Brain disease, psychiatric disorders, abuse / alcoholism or substance.
10. Infertility, contraception, sterilization, birth defects, congenital, circumcision.
11. Professional sports, racing of any kind, scuba diving, aerial sports activities and any other hazardous activities or sports.
12. Any violation or attempt to violate the law or resistance to arrest.
13. Certain diseases following the first 120 days of protection. Please refer to the list of specific diseases, such as below.

Important Note:

Coverage begins immediately after the policy passed (approved) for admission to the hospital due to accident. But coverage for other reasons that started 30 days after the policy passed.

Protection of certain diseases (Specified illness) will start 120 days after the policy passed. List of specific diseases are as follows:
1. Hypertension, Diabetes Mellitus, Cardiovascular Disease

2. All types of tumors, cancers, cysts, nodules, polyps, stones in the urinary system or biliary system.

3. All types of ear, nose (including sinuses) and throat

4. Hernia (wind on), hemorrhoids (piles), fistule, hidrocele and varicocele

5. Endometriosis including reproductive system disease

6. Disorders of the spine vertebro (including disk) and knee disease.

Company will not pay any benefits arising from the sediawujud (pre-existing condition) either directly or indirectly if the matter has not been disclosed when making application for takaful.

If you receive treatment abroad, the benefits paid are based on reasonable medical costs with fees charged by hospitals in Malaysia. No benefit is payable if you reside abroad for more than 90 days per perlajanan.
Join now or for more information contact me at 012-9918604 (Zainal). Back to Plan Takafulink

Note: will be updated from time to time

SHEET AS A COMPREHENSIVE PLAN

Health Takaful Plan

One Account

 

 

Benefit Coverage:

- Compensation Death / Paralysis
- Accident / Disability
- 36 Critical Illness
- Annual Allowance TPD
- Annual Allowance Critical Pain
- Contribute Free event for participants Critical Illness
- Contribute to Free the event of Death, Permanent Disability or Critical Illness of the payer (Father / Mother / Husband / Wife)


Hospital Benefit:

- Medical card to pay for hospital bills between RM 500.00 to RM 1.5 Million In 'Online'
- Admission to over 60 hospitals continue to be a panel of experts throughout the country
- Hospital Daily Allowance of up to RM 400 per day
- Allowance for Surgery of RM 12.500
- Daily Allowance ICU
- Accidental Medical Leave Allowance


Education Savings or Retirement:

- Investments in funds approved under Sharia law in accordance with the needs and risk tolerance
- High rate of return
- Investment can be added at any time
- Make a withdrawal at any time for any purpose of leaving the remaining units of at least RM 1,000

Note this only gave a brief explanation. For more detailed information about the terms and conditions, please contact the hotline at  012-9918604 Mr Zainal.