PRUbest Start AND PRUearly Start (PRU mychild)

What is the difference between PRUbest start and PRUearly start?

What is the difference between PRUbest start and PRUearly start?

PRUearly start is basic cover for both mother and child during the pregnancy and early infancy period while PRUbest start gives a wider coverage including pregnancy complications.

How does PRUbest start and PRUearly start work?

These benefits cover both the mother and the child even before he/she is born during the crucial pregnancy and ceases when the child is 2 year old. During the pregnancy period up to 30 days from birth of child, the pregnant mother is covered under Pregnancy Care Benefit:

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Note: Only 3 types of pregnancy complications are covered in PRUbest start:

(1) Abruptio Placentae (premature separation of the placenta from the womb)

(2) Eclampsia (seizure activity and/or unexplained coma during/after pregnancy)

(3) Amniotic fluid embolism (amniotic fluid entering into mother’s blood circulation)

From the moment the child is born, he/she is immediately covered under Child Care Benefit up to age 2 year old:

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Congenital conditions covered under:

PRUearly start

  • Anal atresia (absence of the anus opening)
  • Congenital Cataract (clouding of the eyes)
  • Congenital Deafness (loss of hearing)

PRUbest start

  • Infantile Hydrocephalus (head enlargement due to excessive fluid in the brain)
  • Anal atresia (absence of the anus opening)
  • Congenital Diaphragmatic Hernia (opening of the diaphragm that cause the organs in the abdomen to go up into the chest cavity)
  • Atrial Septal Defect (abnormal opening between the heart’s upper left and right chambers. A form of hole in the heart conditions)
  • Tetralogy of Fallot (heart conditions with 4 major defects that causes the baby to turn blue due to lack of oxygen)
  • Transposition of Great Vessels (switch of position between the heart’s aorta and pulmonary artery. Aorta is rich in oxygen while pulmonary artery is poor in oxygen)
  • Truncus Arteriosus (merging of the heart’s aorta and pulmonary artery)
  • Ventricular Septal Defect (abnormal opening of the wall between the heart’s left and right lower chamber. A type of hole in the heart conditions)
  • Congenital Cataract (clouding of the eyes)
  • Congenital Deafness (loss of hearing)

Who is eligible to apply for PRUbest start and PRUearly start?

Any woman age between 18-45 next birthday that is within week 18-35 of her pregnancy. For woman age 18-45 next birthday but ABOVE 35 weeks of pregnancy, they can still secure a policy for their unborn child but PRUearly start and PRUbest start will not be applicable. If death of foetus or death of child occurs within the 30 from birth of child, the higher of total premiums paid or value of units will be paid. However, no coverage will be provided on the mother.

Why is the Congenital Conditions separated into 2 different groups?

PRUbest start provides a more comprehensive protection for the child and this is not only evidenced by the amount of benefit payable but the covered congenital conditions.

What happens when it is a twin pregnancy?

If twin is detected, applicant will be required to purchase to TWO identical policies with same coverage. This is to avoid anti-selection against Company in the event either one of the child is born unhealthy or with complications.

What is the waiting period for PRUbest start and PRUearly start?

These benefits start protecting both the pregnant mother and the growing foetus immediately once the cover commenced after underwriting and premium is paid since there is no waiting period applicable for these 2 benefits.

Can we switch between the 2 benefits or make any changes to the other benefits attached to the policy at a later stage?

Since pregnancy can be rather unpredictable, no switching between PRUbest start and PRUearly start is allowed once the policy is incepted. Also, no changes can be made on the other benefits attached to the policy until the child is born. Any change of benefits after the birth of the child is subjected to underwriting.

What are the documents required during proposal stage?

In addition to the usual documents submitted i.e. proposal form, sales illustration and lifestyle profile, all pre-birth applicants will need to submit a gynaecology report (Form ID: 10201065) completed by their attending gynaecologist. This form can be downloaded from RAISe under New Business Medical Form. In addition to that, a 3D/4D scan will be required if PRUbest start is selected.

Who will bear the cost of the gynaecology report and 3D/4D scan?

The cost of gynaecology report (up to RM150) will be borne by the Company while the 3D/4D scan shall be at the expense of the applicant.

Upon expiry of PRUbest start/PRUearly start, will the premium be reduced?

Once the benefit expires at age 2, policyholder is free to utilize the premium to further increase their child’s cover or to enhance their investments.

After the child is born, what should the parent do?

The parent should update the child’s details i.e. name of the child, date of birth, gender, birth certificate/MyKid identity card number by providing to the Company of a copy of the birth certificate/MyKid identity card. Without any update on the child’s details, all types of transaction including surrender of the policy will not be allowed.

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The Biggest Loser Couple : Curtis Bray comment on important of health insurance

Curtis Bray, 36, who competed with his wife Mallory, 36, and started with a weight of 381 lbs., said, “I need to be 238 lbs. to qualify for health insurance.” When he stepped on the scale and realized he had lost 150 pounds for a final weight of 231 lbs., he pumped his fist and cried out, “Yes! Yes!”

WHY DID THE BRAYS DECIDE TO CHANGE THEIR LIFESTYLE?

One of the reasons the Brays decided to lose weight was because they were tired of not feeling well and being uncomfortable all the time. Mallory admitted that they would go out to eat a lot, which had a negative effect on their diet and health.

Curtis told me that before going on the show he was scheduled for gastric bypass surgery.  However, he decided not to go through with it because he wanted to make a complete lifestyle change so he could  take care of himself properly.   He mentioned that he was borderline diabetic and suffering from sleep apnea, which is when you stop breathing while you are sleeping. However, there was another, more important reason for him to lose weight; he had been denied health insurance and felt that without it, he would not be able to properly provide for his family.

source

Curtis at finale

Curtis and Mallory



Takaful Health Medical Card Pictures

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Get a copy of Takaful Health brochures today! Email me your

Name :

Address (Office):

Contact No :

*Limited to Klang Valley Only

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PRUhealth. Medical Card Plan up to 100 years old

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Fund Fact Sheet March 2010 PRUlink Syariah Approved Fund

Fund Fact Sheet March 2010 PRUlink Syariah Approved Fund

PRUlink Dana Unggul, PRUlink Dana Aman, PRUlink Dana Urus II

Download Fund Fact Sheet March 2010 in PDF

PRUlink Dana Unggul

PRUlink Dana Aman

PRUlink Dana Urus II

PRUlink Dana Unggul

PRUlink dana unggul aims to maximize returns over medium to long term by investing in high quality
Syariah-approved shares listed on the Bursa Malaysia.

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Asset Allocation

1 Telecommunications 16.04 % NAV
2 Conglomerates 13.91 % NAV
3 Cash, Deposits & Others 13.50 % NAV
4 Plantation 12.55 % NAV
5 Power 9.33 % NAV
6 Construction 8.05 % NAV
7 Properties 5.91 % NAV
8 Oil & Gas 5.73 % NAV
9 Transportation 3.82 % NAV
10 Industrial 3.49 % NAV
11 Building Materials 2.66 % NAV
12 Consumer Products 2.22
13 Motor 1.52
14 Technology 0.48
15 Finance 0.38
16 Water 0.36
17 Manufacturing 0.03

Top 10 Holdings

1 Sime Darby Bhd 9.31 %
2 Tenaga Nasional Bhd 7.98 %
3 IOI Corporation Bhd 7.94 %
4 Axiata Group Bhd 7.54 %
5 Maxis Communications Bhd 3.48 %
6 PPB Group Bhd 3.05 %
7 Kuala Lumpur Kepong Bhd 2.99 %
8 Telekom Malaysia Bhd 2.72 %
9 Plus Expressways Bhd 2.48 %
10 MISC Bhd 2.24 %

PRUlink Dana Aman

PRUlink dana aman aims to provide medium to long term accumulation of capital by investing in selected
Islamic debt securities.

Asset Allocation

1 Corporate Bonds 65.96 % NAV
2 Government 15.38 % NAV
3 Cash, Deposits & Others 11.53 % NAV
4 Quasi Government 7.13  % NAV

Top 10 Holdings

1 Cagamas Bhd 4.25 % NAV
2 Malaysia Government Investment Issue 4.17 % NAV
3 Sime Darby Bhd 4.13 % NAV
4 Khazanah Nasional Bhd 4.05 % NAV
5 Malaysia Government  Investment Issue 3.98 % NAV
6 Kuala Lumpur Kepong Bhd 3.10 % NAV
7 Malaysia Government Investment Issue 3.09 % NAV
8 Bank Muamalat Malaysia Bhd 2.90 % NAV
9 Encorp Systembilt Sdn Bhd 2.78 % NAV
10 AmIslamic Bank Bhd 2.57 % NAV

PRUlink Dana Urus II

PRUlink dana urus II is a managed fund that seeks to maximize returns over medium to long term. This is achieved by investing in Syariah-approved shares and Islamic debt securities through PRUlink dana unggul and PRUlink dana aman and in any other such PRUlink funds that may become available in the future.

Asset Allocation

Asset Allocation

1 PRUlink dana unggul 81.11 % NAV
2 PRUlink dana aman 18.89 % NAV

LIST OF PRUDENTIAL ASSURANCE MALAYSIA BERHAD (PAMB) PANEL HOSPITALS Update March 2010

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New addition

KPJ AMPANG PUTERI SPECIALIST HOSPITAL 1, Jalan Mamanda 9, Taman Dato Ahmad Razali, 68000 Ampang, Selangor

MOUNT MIRIAM CANCER HOSPITAL 23, Jalan Bulan, Fettes Park, 11200 Tanjung Bungah, Pulau Pinang

Full list download here

Hospital Benefits and PRUmed Claims 11 March 2010

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Hospital bills been paid by policy holder employee benefits from her working company. But, the policy holder still able to claim for Hospital Benefits and PRUmed (Medical Allowance) from Prudential.

Hospital Benefits and PRUmed is a benefits rider under PRUlink Assurance Plan or PRUlink Education Plan.

Do you know PruBSN Takaful Health Medical Card look like?

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Front PruBSN Takaful Health Medical Card

Stated Name, Certificate No (Policy Number) , Issue Date (Inception Date)

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Back PruBSN Takaful Health Medical Card


PruBSN Hospital Alliance Services – List of Panel Hospitals as at February 2010

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Kuala Lumpur / Selangor

Pantai Cheras Medical Centre 1 Jalan, 1/96A, Taman Cheras Makmur , 56100 Kuala Lumpur

Sentosa Medical Centre 36, Jalan Chemur, Kompleks Damai, 50400 Kuala Lumpur

Pantai Indah Medical Centre Jalan Perubatan 1 , Pandan Indah , 55100 Kuala Lumpur

Tung Shin Hospital 102, Jalan Pudu , 55100 Kuala Lumpur

Hospital Pusrawi Sdn Bhd Lot 149, Jalan Tun razak, 50400 Kuala Lumpur

Assunta Hospital Jalan Templer, 46900 Petaling Jaya , Selangor

Gleneagles Hospital Kuala Lumpur 282 & 286 Jalan Ampang, 50450 Kuala Lumpur

Subang Jaya Medical Centre 1, Jalan SS12/1A, 47500 Subang Jaya, Selangor
Sri Kota Medical Centre Jalan mohet , 41000 Klang , Selangor

KPJ Kajang Specialist Hospital (formerly known as Sentosa Medical Centre Kajang) Batu 14, Jalan Cheras , 43000 Kajang , Selangor

Sunway Medical Center No5, Jln Lagoon Selatan, Bandar Sunway, 46150, Petaling Jaya, Selangor.

Ampang Puteri Specialist Hospital No.1, Jalan Mamanda 9, Taman Dato’Ahmad Razali, 68000, Ampang, Selangor

Tawakal Hospital 202-A Jalan Pahang, 53000 Kuala Lumpur

Damansara Specialist Hospital No. 119 Jalan SS 20/10, 47400 Petaling Jaya, Selangor

Pantai Medical Centre 8, Jalan Bukit Pantai, 59100 Kuala Lumpur

Columbia Asia Medical Centre, Puchong No 1, Lebuh Puteri, Bandar Puteri Puchong, 47100 Puchong, Selangor

Pantai Klang Medical Centre Lot 5921, Persiaran Raja Muda Musa, 41200 Klang, Selangor

Institut Jantung Negara 145, Jalan Tun Razak, 50400 Kuala Lumpur

Prince Court Medical Centre 39, Jalan Kia Peng , 50450 Kuala Lumpur

KPJ Selangor Specialist Hospital Lot 1, Jalan Singa 20/1, Section 20, 40300 Shah Alam, Selangor

Panel hospital on other state please contact me for the full list.