EDUCATION PLAN

Of all the gifts you can give your child, nothing is worth more than a good education.

However, the rising costs of university education and the unpredictable nature of life means you must make provisions to ensure that nothing comes between your child and the education he or she deserves.

The PRUlink education plan is an investment-linked plan that matures when your child reaches 25 years of age. It offers a unique combination of features that not only secures a good education, but also provides protection for your child. It is also flexible enough to adapt to your child's changing needs, as well as your own.

The PRUlink education plan is a PRU My Child plan. To find out about the other PRU My Child plans available, contact your Prudential representative today.

What do I get?
The PRUlink education plan is an investment-linked plan that gives you and your child:
•Protection: The basic plan covers your child for Death and Total and Permanent Disability, and comes with a host of optional add-ons that can be custom-built onto the plan.

•Savings: A portion of the premiums will be invested into your choice of PRUlink equity, bond or managed funds – all tailored to ensure best possible returns on your savings, and growing your child's education fund. You choose the fund that best suits your risk appetite.

•Flexibility & control: Vary the amount of insurance protection for death and disability for your child without affecting your premium. 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 to pay for your child's education at any time.

•Additional investment opportunities: You can also add on an optional PRUsaver rider, which lets you invest more of your money into any of the six PRUlink funds so that you can have more flexibility to increase your child's education fund.

•Convenience: Your child can choose to take up a new PRUlink policy for the same amount of benefits without evidence of insurability, when they reach 25 years of age and the maturity value is paid.

Increase the protection for your child when you add any of these optional riders onto your basic PRUlink education plan:
•Crisis Shield and Crisis Cover Benefit: provides protection against a critical illness.

•Accidental Death and Disablement, Accidental Medical Reimbursement: supplementary accident protection.

•PRUmajor med 4, PRUmed, Hospital Benefit: helps relieve the financial strain of hospitalisation and surgery.

•Weekly Indemnity: supplements your weekly income while you’re unable to work temporarily.
•PRUdisability provider: annual payments made upon diagnosis of critical illness and in the event of TPD, respectively.

•Premium waiver or payor: waives premiums or pays for your plan in the event of a critical illness or TPD.

How much do I pay?
The premium for the PRUlink education plan depends on how much protection your child needs, and how much you can afford.
To determine your child's protection needs, you need to decide on how much basic cover you require (Death and Total and Permanent Disability) and if you wish to add on any of the optional riders offered under this plan.
Then, decide on an affordable amount you can set aside.
Your premiums can start from as low as RM612 a year - which translates to RM51 per month or RM1.70 a day.

Who can sign up?This plan is offered to anyone with a child between 1 and 15 years old. You will own the policy and will be able to adapt it as you see fit to give your child the optimum amount of protection.

KEPENTINGAN INSURANS HAYAT DAN KAD PERUBATAN

MENGAPA PERLU AMBIL INSURANS HAYAT DAN KAD PERUBATAN (MMC)?
Sekiranya anda dapat menjawab soalan ini, anda tidak perlu mengambil insurans hayat dan kad perubatan
1. Adakah anda pasti anda tidak akan sakit dan mati keesokan hari kerana anda sihat pada hari ini? Sekiranya tidak,apa persediaan anda untuk menghadapai hari esok?
2. Adakah anda pasti anda tidak akan cacat (Total Permanent Disability) disebabkan penyakit atau kemalangan kerana anda sihat pada hari ini? Adakah pekerjaan anda hari ini terjamin apabila anda sakit berpanjangan dan cacat?
3. Adakah anda mempunyai sumber kewangan yang mencukupi sekiranya terpaksa melakukan pembedahan dan membayar kos perubatan perubatan sepanjang hayat? (abaikan sekiranya anda seorang jutawan)
4. Adakah anda pasti majikan anda melindungi anda sepenuhnya apabila anda sakit,cacat dan sebagainya? Pernahkan anda menerima polisi yang menjelaskan sehinggan mana majikan melindungi anda?
5. Siapa yang akan menjaga dan membiayai perbelanjaan kehidupan anak, isteri dan ibu bapa anda apabila anda meninggal nanti? (p/s: bagi kakitangan kerajaan, perlu diingatkan sekiranya tempoh perkhidmatan belum mencukupi,anda tidak layak menerima pencen,untuk kakitangan swasta berapa sangat KWSP yang disimpan)
Akhir sekali, sekiranya anda boleh mengatakan bahawa majikan anda akan membiayai keseluruhan perbelanjaan anda apabila anda masuk ke hospital serta membiyai kos rawatan susulan, dan juga jaminan bahawa majikan anda akan terus membayar gaji kepada keluarga anda apabila anda meninggal atau hilang pekerjaan disebabkan cacat, anda tidak perlu mengambil insurans hayat dan kad perubatan.

Kad Perubatan

Perlindungan kesihatan adalah satu komponen utama sebuah pelan kewangan yang menyeluruh. Masa kini kos rawatan hospital dan pakar semakin meningkat dan boleh menjadi mahal bagi sesetengah orang.

Ramai yang beranggapan bahawa majikan mereka telah menyediakan perlindungan kos perubatan yang mencukupi untuk diri mereka.

Namun, mereka tidak menyedari kesan buruk akibat tidak membuat persediaan awal bagi menghadapi ketidak tentuan, sehinggalah mereka dimasukkan ke hospital.

Adakah anda tahu bahawa kos perbelanjaan perubatan lazimnya akan berterusan walaupun seseorang itu telah keluar hospital?Seseorang itu boleh dibebani denga kos-kos rawatan akibat daripada rawatan lanjutan, dialysis buah pinggan, rawatan kemoterapi atau penjagaan oleh jururawat di rumah.

Di Prudential BSN Takaful Berhad (PruBSN) dan Prudential Assurance Malaysia Berhad (PAMB), kami memahami keperluan pelanggan-pelanggan kami. Oleh kerana itu, kami menawarkan pelan Major Medical Cover (MMC), sebagai salah satu manfaat bertujuan untuk melindungi anda sehingga umur 80 tahun dari kos-kos penghospitalan utama.
Bayangkan anda mempunyai sebuah pelan perubatan yang memudahkan anda untuk dimasukan ke mana-mana hospital panel Prudential dan menjaga kos-kos perubatan setelah keluar dari hospital. Hebat bukan?

Apakah Major Medical Cover (MMC)?MMC adalah satu manfaat yang boleh disertakan dengan mana-mana produk takaful atau produk-produk insurans hayat yang lain*
- Had tahunan yang tinggi (tanpa had maksimum*)
- Jumlah perlindungan yang tinggi sehingga RM 1.5 juta
-Kebebasan memillih Hospital-hospital (lebih 65 hospital swasta tempatan) dan doktor-doktor
-Perlindungan 24 jam diseluruh dunia
-Perkhidmatan hospital rangkaian di hospital tertentu
-Jadual pembedahan tanpa sekatan
-Manfaat yang termasuk cukai perkhidmatan
-Rawatan sebelum masuk dan selepas keluar hospital
-Penjagaan jururawat dirumah
-Pembedahan balik hari
-Rawatan kecemasan pesakit luar untu kecederaan akibat kemalangan
-Rawatan pesakit luar bagi penyakit barah dan dialisi buah pinggang
-Bantuan perubatan kecemasan antarabangsa dan tempatan
-Perkhidmatan 24 jam diseluruh dunia dan bantuan perubatan kecemasan
*Bergantung kepada terma dan syarat

Takaful MediAssist Card including :Emergency medical assistance and International travel assistance
International services:
-Travel Assistance
-Telephone Medical Advice
-Medical Service Provider Referral
-Arrangement of Dr’s Appointment
-Emergency Medical Evacuation
-Emergency Medical Repatriation
-Repatriation of Mortal Remains
Domestic Services:
Medical Sevice Provider Referral
Arrangement of Dr’s Appointment
Emergency Medical Evacuation
Emergency Medical Repatriation

Pru My Child

FIRST IN MALAYSIA :- that covers BOTH mother & child during pregnancy & infancy
PRUmy child provides you with peace of mind knowing that all you hopes, wishes, and dreams for your child are well secured. It gives you:



# A complete protection for every stage of your child's life even before birth

# Additional protection for parents to ensure their child will continue to enjoy uninterrupted protection and benefits should any unfortunate events happen to either parent.

# Planting a seed towards secure education funds for the child.


ALSO FIRST IN MALAYSIA to cover Pregnancy Complications!
Who can buy this benefit?

WHO Can Buy This Benefit?
- Pregnant ladies between 18 to 45 years old next birthday
- 18 to 35 weeks of gestation
WHAT does PRUmy child Cover ?
- Pregnancy Complications
- Death of foetus, child, and mother
- ICU / HDU for premature birth
- Incubation of new born
- Hospitalisation due to congenital conditions


Besides covering the health of the mother and child, PRUmy child can also include savings for your child’s education as well parent’s protection.
Special 30 days Offer !
EXCLUSIVE to web-visitors of this site , we are offering you a free baby welcome pack for your newborn, if you contact us within 30 days of the PRUmy child launch!



What pregnancy complications and child care benefits do we cover?

PRUmy child can cover the following pregnancy complications and newborn complications.
Pregnancy Complications


Death of Foetus (Miscarriage)- All premiums paid will be refunded.

Pregnancy Complications e.g. Eclampsia, Abruptio placentae, amniotic fluid embolism -RM5,000
Maternal Death (up to 30 days from delivery - RM10,000 to RM20,000


Child Care Benefits

ICU & HDU for Premature Birth - RM300 to RM500 daily

Infant Death (within 30 days of birth) - All premiums paid will be refunded.

Incubation of new born - RM100 to RM200 daily

Hospitalisation due to congenitial illness - Up to RM25,000 until age 2 years old


Congenital conditions



Claims for hospitalisation reimbursement up to RM25,000 annually up to age 2 years.

Congenital condition coverage (PRUearly start):
• Congenital Cataract
• Congenital Deafness
• Anal Atresia

Congenital condition coverage (PRUbest start):
• Congenital Cataract
• Congenital Deafness
• Anal Atresia
• Infantile Hydrocephalus
• Atrial Septal Defect
• Ventricular Septal Defect
• Congenital Diaphragmatic Hernia
• Tetralogy of Fallot
• Transposition of Great Vessels
• Truncus Arteriosus
9 Child Specified Illnesses (PRUessential child):
• Glomerulonephritis with Nephrotic Syndrome
• Sever Asthma
• Sever Epilepsy
• Leukemia
• Insulin-dependent Diabetes Mellitus
• Rheumatic Fever with Valvular Impariment
• Kawasaki Disease with Heart Complications
• Severe Juvenile Rheumatoid Arthritis
• Intellectual Impairment due to illness or accident

Why you should buy early

The benefits and coverage for PRUmy child takes effect even before the child is born; therefore, the protection for child and parents are in effect right from the start.

Prudential:
• Buy PRUmy child and attach it with full range of benefits/riders before birth
• Upon birth, no re-underwriting required *
• Even if the child is born with abnormalities, he/she will still have full insurance protection, if the cover is purchased before the birth of the child **
* Provided no increase in benefits after child birth
** Subject to terms and conditions in policy documents

Competitors:
• Currently, competitors do not offer insurance covers before birth
• When buying insurance policies after birth, the child will be subject to underwriting requirements
• If the child is born with abnormalities, he/she might not be accepted as standard risk.

Savings for child education

Prudential understands that the education costs to study locally and overseas are increasing every year.
PRUmy child allows you to incorporate two optional education funds to further increase your investment to guarantee a bright future for your child.

Tuition & living expenses in today’s Ringgit (RM)
Australia 210K 376K
USA 350K 627K
UK 430K 770K

Assumption: Real cost in 10 years is based on a 6% inflation rate for a 3 year course
Source: Funding your child's education with Unit Trusts, www.fmutm.com.my, 2009
Prudential PruSaver Kid and PruEdu Saver are powerful investment tools that make your money work harder for your child's future.