Medical Card is card which allowed you to get the best medical treatment in any private hospitals. You may save your own money for your medical treatment and why need medical card right?
If you save RM200 per month. When you think it is gonna be RM500,000?
You need 208 years to achieve that!
With medical card, you save RM200 per month. Plus we pay all your medical bills. As I said, you do savings not paying here.
As you save RM200 per month with Prudential, you will have around RM150K at retirement later. Your money invested with Prudential with average 9% annual return rate.
Will my money reduce or gone if you I do claim?
The answer is NO. Doesn’t matter how much do you claim, RM1k, RM50K, Rm500K. Your savings still secured and will be there.
If you do your own savings, this will be not happen. Example you already have RM30K. Treatment cost RM50K. You take out your RM30K and still need another RM20K.
What you can do is borrow money or taken out from EPF if you are eligible.
This will create a problem.
Medical Card a good product?
YES! You have the medical protection, plus you will have money savings for future will never reduce if you need for medical payment. You never use your EPF or borrow money and now you are financially stable and happy.
Why it is too late upon retirement?Premiums at older age is expensive at least RM500 above per month
You request for an insurance will be rejected if you are already diagnosed various disease Maybe you have millions ringgit upon retirement but if insurance cover your medical expenses, you can save your own money and use it wisely during retirement.
* I have met many Malaysians at age 55 request to get an medical card and life insurance from me. If they are healthy, there will be no problem.But if they not, like diabetes, their request will be rejected. Medical expenses cost them around 30K per year.
I asked them, why you don’t have any medical coverage before? They answered me, “I have company unlimited medical coverage, any surgery and clinical is covered by company. All my diabetic treatment cost total RM70K is paid by my company” . As they retired, no more coverage but diabetic treatment still continue. Now they having the biggest problem of their life.
Do you know medical cost in private hospitals nowdays?
1. H1N1 – 3 days admitted – RM3400
2. Kidney dialysis – RM130 per session (13 times per month)
3. Artery bypass – RM90K
4. Dengue – 7 days admitted – RM4100
if you have medical card from Prudential all of above will be covered with limit RM1,500,000 lifetime
Why PRUDENTIAL
No.1 Insurance in Malaysia You get Protection + Savings + Investment Best coverage ( H1N1 included in Prudential Insurance) Low premiums
Why PRUDENTIAL Medical Card?
Comprehensive coverage for hospitalisation and surgery bills ( up to 1.5 Millions ringgit) Just show your Prudential Card, all the bills of hospitalization will be paid by Prudential. Plus you will get hopsital benefits when you are admitted, for example Prudential will pay you RM100 per day. 7 days RM700. This will ease your family expenses in the process of taking care of you in the hospital. No claim bonusYou been healthy for all the year and never use your Medical Card. Prudential will reward with cash bonus.Now, insurance not only taking care of the sicks but rewards the healthy!
Choice of plan within your budget As low as RM100 per months will be receive coverage to RM500,000. Now everyone can have a medical card.
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Anda tahu apa itu Kad Perubatan?
Kad perubatan adalah kad yang memberi kemudahan kepada anda untuk mendapatkan rawatan terbaik di hospital swasta secara cashless.
Anda juga boleh menyimpan wang sendiri untuk perubatan dan kenapa perlu kad perubatan?
Jika anda simpan RM200 sebulan. Bila simpanan anda akan menjadi RM500,000? Anda perlukan 208 tahun!
Dengan medical card, anda simpan RM200 sebulan. Prudential akan bayar semua bi perubatan anda. Seperti yang saya katakan, anda menyimpan bukan membayar untuk kad perubatan.
Dengan simpanan RM200 sebulan bersama Prudential, anda kana mempunyai RM150K bersara nanti. Wang anda dilaburkan dengan keuntungan 9% setahun
Adakah wang anda akan berkurangan jika anda membuat tuntutan?
Jawapannya TIDAK. Tidak kira berapa banyak anda tuntut RM1K, RM10K, RM50K, RM500K. Wang simpanan anda masih selamat dan tidak berkurangan.
Jika anda menyimpan secara sendiri tanpa Prudential, simpanan anda tidak selamat. Contohnya anda mempunyai RM30K. Bil perubatan RM50K. Anda keluarkan RM30K, dan masih perlukan RM20K.
Apa yang boleh lakukan adalah meminjam duit atau keluar KWSP jika layak.
Ini memberikan masalah kepada anda.
Kad Perubatan produk yang bagus?
YA! Anda mempunyai perlindungan perubatan, dan simpanan masa hadapan yang tidak akan berkurangan. Tidak perlu keluarka KWSP atau meminjam wang. Dengan kad perubatan Prudential anda mempunyai kewangan kukuh dan bahagia. Semua ini hanya RM100 sebulan.
Kenapa terlalu lewat apabila bersara nanti?
Premium (bayaran bulanan) akan mahal. Paling kurang RM500 sebulan.
Permohonan insurans anda akan ditolak kerana anda telah menghidap pelbagai jenis penyakit.
Anda mungkin bersara sebagai jutawan dari duit simpanan atau KWSP tetapi adalah lebih baik jika insurance membayar bill hospital anda dan duit simpanan anda tidak digunakan.
*Saya telah berjumpa dengan ramai rakyat Malaysia yang berumur 55 tahun ke atas yang berjumpa saya untuk memiliki insurans nyawa dan medical kad. Jika mereka sihat, tiada masalah. Tetapi jika mereka mempunyai penyakit seperti diabetes, permohonan mereka akan ditolak oleh Prudential. Mengapa mereka ingin memiliki medical kad? Kerana mereka sedang membayar sebanyak RM30K setahun untuk bil medikal mereka.
Saya bertanya, kenapa sebelum ini tidak ambil medikal kad? Mereka menjawab “Selama ini, klinikal, pembedahan dan hospital di bayar oleh syarikat saya bekerja. Rawatan diabetes saya RM70K semua dibayar oleh syarikat”
Tetapi apabila bersara, syarikat sudah tidak melindungi anda. Tetapi penyakit diabetes masih ada. Rawatan masih diperlukan. Sekarang anda mempunyai masalah besar.
Anda tahu berapa kos perubatan di hospital swasta?
1. H1N1 – 3 hari – RM3400
2. Dialisis buah pingang – RM130 per sesi (13 sesi diperlukan sebulan)
3. Pembedahan salur darah tersumbat (Kolestrol)- RM90K
4. Denggi – 7 hari – RM4100
Jika anda mempunyai medical kad dari Prudential. Semua di atas akan dibayar oleh Prudential dengan limit RM1.5 Juta seumur hidup.
Kenapa Prudential?
Prudential adalah syarikat insurans no. 1 di Malaysia. Prudential adalah syarikat gergasi dunia dari UK dan telah bertapak di Malaysia sejak 1924!
Kenapa Medical Kad Prudential ?
Perlindungan besar sehingga RM1.5 juta. Hanya tunjukkan medikal kad anda dan Prudential akan membayar bil anda
Tambahan anda akan menerima wang saku hospital sebanyak RM250 sehari. Jika 7 hari di hospital, maka anda akan menerima wang saku sebanyak RM1750. Wang ini dapat mengurangkan beban perbelanjaan harian semasa rawatan anda.
Interested to know more, call me at 012 3448019 or e-mail to: zurabaharudin.prudential@gmail.com
or visit my Prudential website HERE
Mother to 2 heroes. Wife to loving husband. Daughter to a beautiful parents. Love everything fabulous & pretty. Enjoy motherhood moments and growing with my boys.
