When can I sign up insurance plan for my baby? Prudential Education Plan and Health Medical Insurance

PRUmy child

You can take up this plan for your unborn child as early as 18 weeks into your pregnancy. Or after birth, 2 weeks after birth. Protection to 100 years old

Takaful Cerdik

You can take up this plan for your child as early as 2 weeks after birth. Protection to 25 years old

Situasi Semasa Influenza A (H1N1) 19 April 2010

Sehingga jam 8:00 pagi pada 19 April 2010, Kementerian menerima hanya satu laporan kejadian kluster ILI. Kejadian kluster tersebut berlaku di SMK Bukit Sentosa 2, Bukit Sentosa Rawang, Selangor melibatkan dua orang pelajar. Seorang diberi rawatan sebagai pesakit luar manakala seorang lagi dimasukkan ke wad. Kedua-duanya diberi rawatan antiviral.  Kementerian masih menunggu keputusan sampel tekak yang diambil.

Sementara itu, sehingga jam 5:30 petang 18 April 2010, sejumlah 31 kes disahkan Influenza A(H1N1) dilaporkan menjadikan jumlah terkumpul kes adalah 13,158. Jumlah kes ILI yang masih dirawat di dalam wad di seluruh negara adalah sebanyak 550 kes. Daripada jumlah tersebut, 66 kes (12.0%) telah disahkan positif influenza A(H1N1). Terdapat dua (2) kemasukan baru ke Unit Rawatan Rapi (ICU) manakala seorang telah didiscaj menjadikan bilangan dirawat di ICU sebanyak 13 kes di mana sepuluh (10) daripadanya mempunyai faktor-faktor risiko.

Merujuk kepada kematian H1N1 melibatkan seorang kanak-kanak perempuan berumur empat tahun di Hospital Sibu, Sarawak yang dilaporkan oleh sebuah akhbar berbahasa Cina semalam, Kementerian ingin menjelaskan hasil dari laporan perubatan dan perbincangan pakar-pakar dari Hospital Sungai Buloh, Hospital Seremban dan Hospital Kuching, kematian dikategorikan sebagai kategori 2 iaitu, bukan disebabkan oleh H1N1 secara langsung tetapi oleh komplikasi jangkitan bakteria dalam paru-paru dan darah (“pneumococcal pneumonia and sepsis with underlying H1N1 infection”).

Kementerian Kesihatan ingin terus mengingatkan masyarakat bahawa penularan jangkitan Influenza A(H1N1) terus aktif di dalam komuniti.  Masyarakat  perlu sentiasa mengamalkan langkah-langkah pencegahan yang telah dihebahkan sebelum ini. Orang awam yang mempunyai faktor risiko seperti ibu hamil, menghidapi penyakit kronik seperti asma, diabetes, buah pinggang, jantung dan lain-lain, harus segera mendapatkan pelalian vaksin A(H1N1) di 104 fasiliti Kementerian seluruh negara. Hasil pemantauan pemberian vaksinasi oleh Kementerian Kesihatan mendapati vaksin ini adalah selamat tanpa sebarang kesan sampingan yang serius.

Maklumat lanjut berkenaan influenza A(H1N1) boleh didapati dengan melayari laman sesawang Kementerian Kesihatan di http://h1n1.moh.gov.my atau menghubungi hotline Kementerian Kesihatan di talian 03-88810200/0300.

Sekian dan terima kasih.

TAN SRI DATO’ SERI DR. HJ. MOHD. ISMAIL BIN MERICAN
Ketua Pengarah Kesihatan Malaysia

Tarikh: 19 April 2010

Baby’s gizmo. My first baby 14.3.2010

My first baby born on 14.3.2010 .  I want to share with my readers what are the baby products i bought for my baby.

1.  The First Years Close and Secure Sleeper (bought at BabyLand SS2, Summit USJ). From day first to one month, my baby sleep inside this. Day and Night.

2. Inglesina Loft Rocking Chair Orange (bought at First Few Years, The Curve Mutiara Damansara). After 1 month old, my baby use this rocking chair during the day. At night, my baby still using The First Years Close and Secure Sleeper.

Im looking for the accessories Kit hood + mosquito net. Please let me know where I can buy this.

3. Simple Dimple Monty Lion Gym. (bought at BabyLand SS2, Summit USJ). Baby is too small for this gym but my wife like it. The price is much cheaper compare to Fisher & Price products.

4. Ameda Lactaline dual electric breast pump (bought at Mother Care, The Curve Mutiara Damansara). Why Ameda not Medela? Medela is a good brand. I choose Ameda simply because Pusrawi Hospital use this brand.

5. Tommee Tippee Closer to Nature® easi-vent™ 150ml bottle (twin pack) (bought at BabyLand SS2, Summit USJ) .  No particular reason why me and wife bought this. We are looking for BPA free bottle and all are BPA free bottle. So we pick Tommee Tippee due to the design and closer to nature nippy.

6. PRUmychild Investment Link Policy with PRUhealth Medical Card . Do you know that you may sign up for insurance plan for your baby as early of 8 weeks of pregnancy. PRUmychild lauched after my baby born. I sign up my baby after 2 weeks of birth. I sign up my baby for RM150 monthly plan. PRUmychild plan with PRUearly start
Sum Assured : 50K Critical Illness compensation : RM50K PRUhealth Medical Card plan PHL100 Hospital benefits RM50 per day PRUmed allowance RM50 per day (ward), RM100 per day (ICU), RM2500 (Surgery)
Savings is flexible age 18 got RM33K or continue to age 30 got RM73,802K. Is it good? Yes it is good.

7. Next target Quinny Buzz 3 (target to buy at First Few Years, The Curve Mutiara Damansara). Why Quinny Buzz 3 . Because me and wife looking for two ways stroller system which your baby facing you or facing the front. Plus, Quinny Buzz 3 so light and small in size when folded (suitable for our small car). Quinny Buzz 3 with hydralic system which with one push button, the stroller unfold automatically. Suitable start from new born till, hmm I dont remember.

PRUlink Investor Account

A cosy retirement. Your children’s tertiary education. Your lifetime dream of travelling around the world.

These are the things that many of us dream to achieve, or provide for our loved ones in the future. However, many have compromised these lifetime plans due to financial commitments and other obstacles.

Fortunately, you can now invest and be protected at the same time with our PRUlink investor account

A single premium investment-linked whole life insurance, the PRUlink investor account is for those who prefer one-off investments.

The plan lets you choose from a range of six PRUlink equity, bond, or managed (mixed asset) funds, depending on which fund best suits your individual needs and risk profile. You also have the flexibility to realise some of your cash values if you have a sudden need for it, and you can top-up at any time.

This means you and your loved ones can enjoy the best of both worlds: insurance protection and investment.

The PRUlink investor account gives you:

* Flexibility to apportion your premium into any of the six available PRUlink funds, depending on your investment goals and risk tolerance. 95% of your premiums will be used to purchase units in the PRUlink fund(s) of your choice.

* Control over your investments: Switch your investment between PRUlink funds at any time, for a small fee. Your first switch a year is FREE. Top up your investment with lump sum payments at any time. Or, make withdrawals or cash out your policy at any time.

* Opportunity to start investing from as low as RM4,000.

* You can also enhance the cash value of your plan with single premium top-ups; your top ups can be from as low as RM1,000.

* Coverage on Death (for whole of life) and Total & Permanent Disability (up to age 60); with benefits amounting to:

1. 125% of single premium plus 100% of top-ups less withdrawals, or
2. RM5,000
whichever is higher.

The minimum single premium needed is RM4,000.

PRUlink investor account is available to anyone between the ages of 1 and 70* who prefer a one-off investment. The assured must be at least 18 years old.

Fund Price

Click here

New Prudential Policy Document Look 2010. Prudential Assurance Malaysia Berhad

The launch date of this new policy document outlook is on the 5th of April 2010

The new outlook of policy document comprises a jacket to house the policy document, slot to insert medical cards and also a pocket to insert loose items such as MHI Booklet and also endorsement slips in the future. The whole package of the policy document will come sealed in a plastic cover. All policy documents and endorsement slip will be in B5 size which slightly smaller compared to current A4 size which would again make it easier to carry the policy documents around.

PRUbest Start AND PRUearly Start (PRU mychild)

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:

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:

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.

PRUmy child. Promotional Contest. Join now!

Win RM30,000 Education Plan for your children

Free personal accident coverage for newborn babies

Watch Sheild Majid promotional video. Why she choose PRUmy child?

Go to PRUmy Child offical site now! Click Here

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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PRUhealth. Medical Card Plan up to 100 years old