Terkini Tentang Kos Perubatan

Sumber maklumat masih belum pasti, tetapi ini kemungkinan yang saya ingin kongsi. Kepada yang sudah memiliki medical card, anda beruntung kalu betul- betul berlaku kenaikan kos perubatan pada masa akan datang.

Kos perubatan ura-ura akan dinaikkan 20% selepas pilihanraya... Diikuti dengan beberapa kenaikkan harga kad perubatan dan insurance berkaitan kesihatan bagi menampung kos...

Kenaikkan harga jarang effect existing client... Unless kalau client upgrade plan ke latest benefits... :)

Kenaikkan caruman untuk existing policy Prudential @ PruBSN apabila kita buat upgrade benefits... Selagi mana polisi investment-link dapat absorb kenaikkan kos perubatan, selagi tu lah caruman bulanan akan tetap sama... Berlainan dengan polisi standalone medical card yang tiada investment, ada term yang membolehkan company naikkan caruman setiap tahun dan setiap kali kenaikkan kos perubatan... :)

~Sedang Beratur Panjang di Tol~

 

Bayangkan yang anda sedang menahan untuk buang air.. 

Terpaksa pula beratur panjang membayar tol.. 

Bayangkan situasi sama apabila anda sakit dan terpaksa menunggu beberapa bulan untuk appointment dengan doktor pakar? :)

PruBSN UMMAH

Spiritual fulfillment, Protection and Savings...all in one!

Many people plan for the big things in life. We plan for a good life and we plan for the well being of our loved ones. In our pursuit for all these good things in life, as Muslims, we ought to also prepare for spiritual fulfillment.

What is PruBSN Ummah?

PruBSN Ummah is a family Takaful plan designed to cater to Muslims’ spiritual as well as worldly needs. This plan provides you with protection and savings, as well as benefits that will assist you with your spiritual quest.

What are the benefits that PruBSN Ummah can offer?   

Loyalty Bonus¹

This is benefit for being our loyal customer. You will earn this benefit when you complete your takaful period. Additionally, this bonus will also be paid in the event of death or total and permanent disability on top of your other takaful benefits
In order to ensure you have peace of mind during Hajj, you will also be given a Hajj allowance, which is a part of the loyalty bonus. The allowance is intended to supplement your expenses. You can also use it to ensure the financial needs of your family at home are taken care of whilst your perform your obligations in Mecca.

 

Withdrawals of savings for Hajj and Umrah

You can withdraw part of your savings from your account to supplement the need for your journey for Hajj or Umrah, subject to the following conditions:

• Only 1 withdrawal is allowed for Umrah and Hajj each throughout the certificate term.
• Withdrawals can only be made after the 5th certificate year
• Each withdrawal must be at least RM500 and at most 70% of your account balance prior to withdrawing.
• There must be a minimum balance of RM2,000 left in your account after withdrawal

Death and Total and Permanent Disability Benefits (TPD)
Upon your death or total and permanent disability, you or your nominee will receive cash equivalent to your coverage i.e. takaful benefit amount.
In addition, your family will receive an additional RM2,000 as a form of compassionate benefit upon your unfortunate passing that could be used for funeral or other related expenses.


Double Your Takaful Benefits² While on Hajj or Umrah
You will receive double coverage i.e. takaful benefit amount, in the unfortunate case of your death or total and permanent disability (TPD) while performing your Hajj or Umrah.


Badal Hajj
In the event of your passing or suffering from total and permanent disability before you have the opportunity to perform Hajj, we will ensure your Hajj obligation is fulfilled by paying your nominee or a third party to perform Badal Hajj for you.


Critical Illness Benefits
We will provide you with a part of your basic coverage amount as a financial assistance if you are diagnosed with a covered critical illness.
Futhermore, we will also ensure that your are diagnosed with a covered critical illness.

Futhermore, we will also ensure that your protection and savings in the plan will continue as the takaful contributions will be paid continuously for you.
This cover is optional for this plan.


Islamic Will Writing
We will arrange for you basic Islamic Will Writing service managed by Amanah Raya Berhad. This service is optional.

¹Loyalty bonus is non guaranteed benefit and subject to terms and conditions. There is waiting period of 5 years before you are eligible for the benefit.
²A waiting period of 3 years is applicable.

About PruBSN Takaful

PruBSN Takaful or Prudential BSN Takaful Berhad

Prudential BSN Takaful (PruBSN) is a joint venturebetween Bank Simpanan Nasional (BSN) and Prudential PLC (Prudential) which holds 51% and 49% stake respectively.

The joint venture provides a solid structure for PruBSN in view of Prudential’s strength in agency distribution and BSN’s impressive corporate presence in Malaysia. The strong branding and identity of the two companies have created a vast opportunity for PruBSN to accelerate the growth of the Takaful industry in the country.

PruBSN’s vision is to be a world-class Shariah-compliant financial solutions provider by offering innovative products and services to its customers.

More information about PruBSN is available at www.prubsn.com.my

Shariah Committee : Prudential BSN Takaful Berhad (PruBSN)

Shariah Committee

PruBSN is currently under the advice and supervision of the following four prominent Shariah scholars who are specialized and experienced in various fields of contemporary Islamic knowledge and practice. They are:-

YBhg Datuk Haji Nakhaie Haji Ahmad SC Chairman Datuk Haji Mohd Nakhaie is currently the President of the Islamic Dakwah Foundation of Malaysia. A graduate of Al-Azhar University in theology and philosophy, he also holds a Masters degree in Islamic history and civilization from Cairo University. Experienced in youth and students’ movements for more than 18 years, Datuk Nakhaie also has more than 20 years experience in politics, specializing in political information. He also has been actively involved in many intellectual and political seminars, conferences and talks in Malaysia and abroad since 1965 as a student leader, political leader and social activist. Datuk Nakhaie has written many articles on various areas of Islamic revealed knowledge in magazines and newspapers such as Islamic ethics, Islamic history and civilization, Islamic traditions in da'wah, ibadah and many more.

YBhg Prof Datuk Dr. Mohammed Yusoff Hussain Before being a Rector of the Islvamic College of Darul Ridzuan, Datuk Yusoff was a mufti of Federal Territory for two years. He was also a lecturer at the National University of Malaysia (UKM) for almost 30 years. Previously, he was the Head for the Department of Islamic theology and philosophy as well as Dean for the faculty of Islamic studies.

Apa Itu Polisi Insuran?

Salam Sejahtera,

SAYA  POLISI  KELUARGA  ANDA

Anda dan saya mempunyai tujuan dan matlamat yang sama di dunia ini.

Sekarang ini, anda sedang melaksanakan tugas anda – menyediakan makanan, pakaian dan tempat tinggal untuk yang tersayang. Selain itu anda juga menyediakan pendidikan, kesihatan dan kebajikan kepada mereka. Anda menyediakan semua ini dan seterusnya. 

Sementara itu saya sedang lena di dalam peti simpanan anda yang teguh mengumpul segala tenaga dan meningkatkan nilai saya tahun demi tahun.

Saya mempunyai penuh kepercayaan dan keyakinan terhadap anda. Anda menggunakan sebahagian daripada pendapatan anda sebagai harga untuk meyimpan saya. Dengan kehendak dan keizinan Allah diharapkan semoga tidak ada sesuatu yang buruk akan menimpa anda.

Ketika ini, apabila kehidupan berjalan lancar, saya seolah-olah tiada gunanya bagi anda, sebagai mana keadaan sampan penyelamat tergantung di atas kapal penumpang yang besar. Tetapi suatu hari (hanya Allah sahaja yang mengetahui bila) anda dan saya mungkin bertukar tempat.

Apabila anda disemadikan dengan aman atau terlantar tidak berdaya, saya akan bangkit dengan pantas untuk menyambung dan menyempurnakan tugasan yang telah anda mulakan. Saya akan terus menyediakan makanan, pakaian dan tempat tinggal yang masih diperlukan oleh mereka yang anda sayangi. Saya juga akan menyediakan pendidikan kepada anak tersayang sebagaimana cita-cita anda selama ini. Kesihatan dan kebajikan yang anda sediakan untuk keluarga tersayang tidak akan terhenti secara tiba-tiba, lebih-lebih lagi di saat mereka benar-benar memerlukannya.

Apabila tugas anda telah selesai, tugas saya baru bermula. Melalui saya, tangan anda akan terus berbakti, dan melalui saya, cinta anda terhadap keluarga tetap menyerlah.

Setiap kali anda rasakan harga yang anda bayar untuk menyimpan saya sebagai satu bebanan, cubalah ingat bahawa saya akan melakukan lebih baik untuk anda dan keluarga anda daripada apa yang anda lakukan untuk saya.

Jika anda melaksanakan tanggungjawab anda, saya juga akan terus melaksanakan tanggungjawab saya.

Yang Benar,

~Polisi Anda~

When The Time Comes, Then We Realize The Importance Of Insurance

See this award winning funny commercial video

Jika mati hari ini, apakah yang perlu ditimbang?

Berbicara tentang Ingat 5 perkara sebelum 5 perkara tentu umum sudah tahu perkara tersebut.


1. Sihat sebelum sakit
2. Muda sebelum tua
3. Kaya sebelum miskin
4. Lapang sebelum sempit
5. Hidup sebelum mati

Cuba perhatikan satu-satu perkara tersebut dan fikirkan sedalam-dalam makna yang terkandung disetiap perkara itu.

1. Sihat sebelum sakit – Semasa sihatlah kita boleh mencari rezeki, mencari ilmu, lakukan ibadat, jika sudah sakit adalah sukar untuk melakukan semua ini. Lakukan sesuatu yang berfaedah dan mendatangkan kebaikan kepada diri kita dan orang-orang di sekeliling kita semasa masih sihat.

2. Muda sebelum tua – waktu kita muda inilah saatnya kita perlu berusaha mencari kemewahan disamping tidak lupa kewajiban kepada Maha Pencipta, kelak bila kita tua tidak lagi memikirkan hal duniawi. Selagi ada masa, buat…jangan duduk diam sahaja, cari selagi boleh cari! carilah mahupun harta, ilmu dan ibadat. Nanti dah tua sudah terlambat. Cepat kita bermula, cepat kita berjaya.

3. Kaya sebelum miskin – Waktu kaya berharta itulah kita boleh menolong orang yang lebih susah daripada kita kerana sedekah yang ikhlas akan jadi bekalan kita menghadapNya nanti. Ingatlah kekayaan itu hanyalah pinjaman kita kepadaNya. Allah boleh tarik bila-bila sahaja.

4. Lapang sebelum sempit – Waktu kita masih ada kelapangan inilah waktu yang paling sesuai mendalami ilmu agama untuk pedoman bersama manusia.

5. Hidup sebelum mati – Sesungguhnya sewaktu hidup,  semua 4 perkara di atas adalah masa yang boleh kita lakukan.. bila telah tiada nanti kita hanya menanti amal soleh, sedekah dan doa anak yang soleh yang mengiringi kita.