Client claim update 18/8/2014

Pernah tgk resit claim dari Prudential tak?
Below ni actual resit by KPJ Johor Specialist untuk client yang warded due to sinus infenction.Total bill nearly RM4k.All covered by Prudential Takaful Berhad(PPTB)
Bagi yang berminat untuk mengetahui lebih lanjut tentang pakej insurans takaful, medical card dan child education health plan boleh contact saya di 0177458478.

Agen Prudential Johor Bahru - PruBSN Health Enrich 0%-Co-Insurans

Health Enrich adalah produk plan terbaru dari PruBSN Takaful mengantikan TakafulHealth2
Antara kelebihan yang ditambah adalah 'Full Coverage' yaitu '0%' deductable yaitu 'Tanpa 10% Co-insurance.(@FlexiMed untuk Prudential Assurance)
Untuk pertanyaan lanjut boleh hubungi kami di 0177458478(Dura)/0197762985(Sideq)

	Co-Takaful	Full Coverage
If You are Hospitalised
Hospital Daily Room and Board (maximum 200 days per year)	RM200	RM200
Intensive Care Unit (maximum 60 days per year)	As charged subject to Co-Takaful	As charged
Surgical Procedure and Treatment
In-Hospital and Related Services
If You Need Outpatient Treatment
Day Surgery	As charged	As charged
Home Nursing Care (180 days per lifetime)	As charged subject to Co-Takaful
Pre-Hospitalisation and Post-Hospitalisation Treatment (within 90 days before and after hospitalisation)
If You are Coping With Life-changing Illnesses
Cancer Treatment	As charged	As charged
Kidney Dialysis Treatment
If You are in an Emergency
Maternity Complications (Annual Limit)	RM6,000	RM6,000
Emergency Treatment for Accidental Injury (Annual Limit)	RM2,000	RM2,000
Worldwide Emergency Medical Assistance	Yes	Yes
Overall Annual Limit	RM60,000	RM60,000

MRTA vs MLTA (Mortgage Reducing Term Assurance VS Mortgage Life Term Assurance) case study : Prudential Wealth Planner

   'Property is a necessity, protection to our property is necessary too. One should consider the risk of loosing their property due to the inability to maitain the property'

   Lets take real case study,
Azman 35 years old, an asisstant manager of one of Engineering Company in Southern Region of Malaysia.Married with 2 child. Property in hand included 1)A 250k double storey house with balance loan of 190k for another 21 year tenure. 2)Car Loan of Honda Accord with balance loan of 70k for another 4 years tenure and Honda Jazz with balance loan of 32k for another 3years. 3)Others type of loan which included Credit Card, Study and Education loan.

   To mitgate the risk for his property,one should take the total up of 190k of MLTA to cover all the mortgage loan balance. However since the property+liability amount of Mr Azman far exceed the 200k. He opted to add another 100k coverage making up of 300k Total Coverage in case of Death or TPD(Total Permanent Disability).

   It is normal for conventional housing loan to included MRTA(Mortgage Reducing Term Assurance) when signing up housing loan,but there are also option for us to upted for MLTA where we can opted for higher coverage to leverage the risk.If Mr Azman decided to take MRTA only and unfortunate event happen to him.The bank only pay for the mortgage balance whereelse with MLTA Mr Azman beneficiaries will received home and cash of 100k.

Please consult with your health/wealth agent to find out more about Prudential MLTA plan.
For Johor Bahru area can contact me at 0177458478(Durrah)Full Time Prudential

Imagine yourself as a pillar for family(financial foundation for property house,car,credit card,family expenses,etc)what will happen to those under your support when unfortunate things happen to you!

Becoming a Prudential BSN Takaful Agent : Achievement and Events

How does it feels to be a Full Time Agen of Prudential BSN Takaful Agent?
Well to describe it is fun.Even though you need lots of discipline and need to keep up the record and services for client.It's a fun Jouney. Below are some memorable events with Prudentia.

Dinner Event for Qualifiers







PruStarClub Guanzhou

Rookies Agent Qualifiers

Pengalaman melahirkan anak di Columbia Asia Nusajaya ;Delivery /Labour Baby at Columbia Asia Nusajaya Johor Bahru Panel Prudential

Alhamdulillah, Baru sahaja selamat melahirkan bayi seberat 3.04[Kg] di Columbia Nusajaya pada 6hb Jun yang lalu.

8:00 am : Sampai dekat reception untuk register.Sign GL(Guarantee Letter)

8:30 am : Breakfast dulu untuk dapatkan tenaga

10:00 am : Nurse dah panggil tuk masuk labor room

10:30 am : Relax2 dulu dalam labor room,terang sangat tak boleh tidur

11:00 am : Doktor dah pecah air ketuban and induce(Time ni pun Epidural dah masuk)

11:30~14:00am :

05:14pm : Detik2 Cemas and Baby Boy seberat 3.04[Kg] Selamat dilahirkan

Alhamdullillah ,sepanjang tempoh delivary,saya sentiasa ditemani suami dan nurse2 yang memahami.

Columbia Nusajaya Johor Bahru Prudential Approved Panel Specialist,Yeay

Bagi sesiapa yang berminat untuk mengetahui lebih lanjut tentang medical card dan savings plan(PruBSN smart Link) boleh la menghubungi saya di 0177458478.Saya sedia membantu. Thanks

Pregnancy check up Columbia Asia Johor

Alhamdulillah,masuk minggu ni sudah 19 minggu kehamilan. Baru jer lepas balik dari pregnancy check up di Columbia Asia Nusajaya, JB. Baby sihat dan selamat.
Every month akan buat appointment dengan Dr Rohaini. Mula2 Dr akan buat baby 4D ultrasound scan and check perkembangan otak dan jantung bayi.(Dr akan print snapshot 4D scan untuk reference).
For 3rd month onwards, doctor akan check for high blood pressure and diabetes. There will be some shot give (like Tetanus,etc) for the beneficial of mother.
Advise2 Dr Rohaini sangat beneficial macam cara pemakanan,pemakaian and daily routine, Dr juga prescribekan supplement seperti Obiminz pluz and calcium carbonate sebab saya ni memang jenis tak minum susu. So far kos pregnancy checkup dan supplement sangat berpatutan,dan next checkup Dr suggest untuk buat ujian darah hemoglobin tekanan darah and diabetes.Aper2 pun kepada ibu mengandung di luar sana,jaga diri dan jaga kesihatan selalu.

Bg yang ingin Mengetahui lebih lanjut tentang labour/baby delivary di Columbia Asia Nusajaya boleh click link dibawah ni.Pengalaman deliver/labour baby di columbia nusajaya(timeline with labour room picture --> http://durrahibnilhajar.blogspot.sg/2013/06/pregnancy-delivary-labour-baby-at.html

p/s : Kalau buat appointment it's better to come early in the morning sebab from experience datang sebelah petang masa menunggu agak lama.But don't worry , columbia asia nusaya have very nice cafeteria with lot's of food choice to choose from.

Want to know more about Prudential PruMyChild ? Contact me at 0177458478

Cek dari Prudential untuk Client

Cek dari Prudential untuk Client

Ni Cek yang diterima dari Prudential untuk client saya yang masuk wad selama 3 hari kerana kemalangan kecil. (Client saya seorang technician kilang di Johor Bahru amik package 3 in 1 medical,saving dan investment RM120 sebulan dan baru berumur 28tahun.Beliau di refer ke Specialist kerana kemalangan melibatkan anggota mata)

Elaun Wad = rm200 sehari

3 hari Masuk Wad = RM200 x3 = RM600

Segala perbelanjaan untuk rawatan susulan juga dibayar oleh Prudential sepertimana cek diatas,

Prudential membayar RM346 untuk rawatan susulan.

Prudential menyediakan perlindungan kesihatan dari kemalangan,penyakit/penyakit kritikal,perlindungan kesihatan untuk kanak2 dan juga kepada bayi yang akan atau telah dilahirkan. Prudential menawarkan coverage dari  RM 50,000 setahun dan RM 500, 000 seumur hidup.
Silalah hubungi saya untuk mendapatkan penerangan dan perkhidmatan medical /savings terbaik untuk diri,anak dan keluarga anda.