[MERGED] -- All about insurance utk anak2

jenglut

Originally posted by mclaren at 19-9-2007 11:03 AM
berapa % average  retuns per annum yang expected to get from the investment kat takaful cerdik ni?

En. McLaren,

Awak bole refer share market everyday kat newspaper & website kami di www.prubsn.com.my

Currently growth aggressively at 25% under Dana Ekuiti..all these dana are Syariah Compliance..


Masa launch last year, 1 unit = RM1.00
so now jual 1 unit, dpt la keuntungan 25%

Jgn lupa tgk iklan PruBSN di kaca TV anda...

[ Last edited by  jenglut at 19-9-2007 05:44 PM ]

mclaren

errr macam mana pulak kalau tahun yang insurance tu dah matured, kena dgn time equity stock market merudum jatuh? yg ni investment dia (takafulink cerdik) mmg 100% kat equity je ke? takde asset allocations langsung ke?

black_rose

Originally posted by ibm632 at 19-9-2007 01:00 PM
Cuba tengok PM awak ....

dah tgk..thanx nanti sy reply..

black_rose

Originally posted by jenglut at 19-9-2007 05:34 PM


Hi Black Rose,

Awak bole try cuba apply PruBSN medical kad..no harm..
Just declare the prematured birth..and company will look into it..
Dont worry, sbb i penah dpt kes mcm ni..& it's ap ...

hi jenglut... thanks..

tp lg 1 nak tanya...apa beza pruBSN ngan prulink...

saya ni nak amik insurans baby ,tp takut sbb prematured birth tu.. nanti timbul byk problem bila nak claim plak.. sbb my baby mmg ada history dok lama le jgk dlm ward after birth tu sbb infection blaa3.. tp so far alhamdulillah la...dah 8 bulan mmg takdak la apa2 penyakit yg disebabkan dr dia lahir prematured tu.....
cuma baru2 ni je laa kena warded sbb kena demam batuk..adalaa bronchitis sket....biasala budak2 antibodi kurang, mak ayah kena dia berjangkit lak.. tp skang dah ok... itu yg terfikir nk amik insurans tu sbb tensen ler layanan kat hosp gomen... paham2 la kan hehe...

fiktee

Jenglut kita berminat la...

shokubutsu

kalau baby pernah warded sebab sakit2 biasa ie. demam/diarhea/kahak bla bla... kena wat medical checkup gak ke kalau nak amik insurance?... kita berminat nak amik ni... dr dulu dok bertangguh sebab tak tau nak amik yg mana... tangguh punya tangguh anak dah admitted baru2 ni... ejen2 yg ada kat sini sila la pm ciri2 n kelebihan insurans masing2... nanti kita pilih... hehe...

fiktee

Jenglut kita berminat la

fiktee

jenglut kita berminat la

shokubutsu

kita pun berminat gak nak amik insurance... dah lama nak amik dok tangguh2 sebab tak tau nak amik yg mana... tup2 anak dah warded bebaru ni... nak tanya... kalau warded sebab sakit2 biasa mcm demam/muntah/diarrhea etc... kena medical check-up gak ke?... ejen2 sila la pm me psl ciri, kelebihan n panel hosp masing2... tq...

shokubutsu

kita pun minat gak nak amik insurance... dah lama nak amik tapi dok tangguh coz tak tau nak amik yg mana... dlm dok bertangguh tgk2 anak dah masuk spital baru2 ni... kalau warded sebab sakit biasa2 spt muntah/diarhea/demam etc... kena wat medical checkup gak ke?... ejen2 sila la pm me mengenai ciri2, kelebihan dan panel hosp masing2.....tq...

shokubutsu

sorry... byk plak post sebab memula tak keluar.....

babycha

Originally posted by jenglut at 7-9-2007 01:12 AM
I cuma nak announce recently, we just launched Takaful Cerdik (under PruBSN) dgn hanya mencarum with RM50 per month, pakej came with:

1. MEDICAL CARD worth RM150,000 for room & treatment in mo ...

Betul ker, utk kanak2 bawah 5taun jea?
ejen, tolong confirm kan...

iddine

My agent PRU proposed insurance which i beli bnyk my hub x tahu.sebulan i spend kat RM1300 insurance for whole family masa tu for 5 yrs.I byr senyap2 utk semua.Bila my hubby dapat tahu, dia mengamuk. i cancel some of the insurance & ambik duit dia.Now my hub ingat i dah cancel semua. Tapi yg pasti for all my 3 children ada non-cashless hospital ins ING,myself & hubby Prud. I beli PRU Lady bagus gak. Hari tu bersalin dpt angpow RM1500.

For baby ni ingat nak try Takaful Rawat (Sykt Takaful Malaysia under Bank islam), premium murah sket. ada sesiapa pernah beli??dia py hospial admission claim per case basis x mcm ING. ada limit RM50k per year,lifetime limit RM150k.The agent x bagi detail explanation psl ni padahal kita ni lah baru 1st time nak beli Takaful product. All the while,kita beli convensional.

iddine

Nak tanya sket. Medical card ni ada co-insurance tak,
10 % / 90% ??? klu baby umur 4 bulan is it consider new born baby??the return x berapa tinggi ye after matured, dpt RM8k je ke??

jenglut

Originally posted by mclaren at 20-9-2007 10:31 AM
errr macam mana pulak kalau tahun yang insurance tu dah matured, kena dgn time equity stock market merudum jatuh? yg ni investment dia (takafulink cerdik) mmg 100% kat equity je ke? takde asset a ...

Soalan yg bagus tu McLaren..

PruBSN ada 3 dana iaitu :
Dana equity
Dana Bon
Dana Urus

So far Equity ni very aggressive...high return & also high risk
Dan spt mana yg u tau, normally Bon bertentangan dgn Equity..
eg. Kalau Equity junam, bon akan naik..& u bole switch dana if u want..No prob..

U bole decide nak letak brapa % utk these 3 dana..eg. 40% equity, 40% bon & 20% urus

Best thing is NO TEMPOH MATANG! U can withdrawal / jual unit tu..as long as tabung anak tu reaching RM5K..

[ Last edited by  jenglut at 21-9-2007 02:20 PM ]

jenglut

Originally posted by black_rose at 20-9-2007 11:04 AM


hi jenglut... thanks..

tp lg 1 nak tanya...apa beza pruBSN ngan prulink...

saya ni nak amik insurans baby ,tp takut sbb prematured birth tu.. nanti timbul byk problem bila nak claim pl ...

Hello Black Rose,

Dari segi benefit antara PruBSN Takaful & Prudential konvesional sama aje..
Nilai kad tetap RM150,000..manfaat wad & rawatan hospital swasta pun sama..

Cuma panel hospital PruBSN ni lebih sket, juga dr pengurusan tabung simpanan anak tu di laburkan di tempat yg mematuhi syariah..kerana PruBSN Takaful sendiri mempunyai comittee syariah nya..(ada terpampang di official website www.prubsn.com.my)


Berbeza dgn Prudential konvesional, di PruBSN tiada konsep hangus..maksudnya, kalau awak tak buat claim, terdapat pulangan yg di pulangkan kpd peserta secara pro-rata..so more adil la di sini..

Takpe, awak declare aje la 'premature' n bronchitis tuuu..bila declare, company may request utk medical check-up kat clinic..dont worry, sume kos tu di tanggung oleh PruBSN..

Kalau tak declare, itu sudah penipuan..sbb tu kita kdg2 dgr kes insuran kompeni tak bayar..sbb klien tu sendri yg tak declare sbb tak nak go thru medical check up etc.

Tak cuba, tak tau..mana tau kot2 lulus ke..skurang2nya krg la beban awak asyik dok hosp. govt sgtttt slowww motionnn

[ Last edited by  jenglut at 3-10-2007 12:13 AM ]

jenglut

Originally posted by shokubutsu at 20-9-2007 03:20 PM
kalau baby pernah warded sebab sakit2 biasa ie. demam/diarhea/kahak bla bla... kena wat medical checkup gak ke kalau nak amik insurance?... kita berminat nak amik ni... dr dulu dok bertangguh seb ...

Hi Shokubutsu,

Kalau sakit dok spital lebih seminggu declare ler..Sbb biasa nya dalam borang apply insuran tu ada di tanya eg. 'pernah di masukkan ke hospital lebih seminggu?'..

kalau takat 2/3 ari tu, tak yah la declare..sakit kecik2 tu biasa ler, kompeni insuran tak heran..cuma yg diorg concern ni penyakit teruk2..sbb tak aci la, kalau dah sakit teruk  baru nak amik insuran..

Awak try apply aje la..berikan yg terbaik utk anak2 kita..la ni pun, memang berbaloi, u carum at least RM50 & dpt kad perubatan PruBSN nilainya RM150,000 utk private hospital..so tak ler, kacau duit bank or ASB kita..

Lg pun ada saving utk anak..

jenglut

Originally posted by iddine at 21-9-2007 12:50 PM
My agent PRU proposed insurance which i beli bnyk my hub x tahu.sebulan i spend kat RM1300 insurance for whole family masa tu for 5 yrs.I byr senyap2 utk semua.Bila my hubby dapat tahu, dia menga ...

Wahh..sayang nyee..dah kat 5 thn u carum, then stop mcm tu aje..tp kira ok la ada saving sket..

Takaful Rawat from Takaful Malaysia tu pun ok jg..tp as u know, diorg punya style 'bayar bil dulu, baru claim later' (so nak kene tunggu proses cek lg) , kalau RM2/3 ribu maybe mampu kot..kalau RM20/30 ribu?? hmmm..thats y murah kot..

While using PruBSN medical kad is more convinient, just pi kat admission suite n shout .."HellOooOo..This is my CARD!"
errr..bukan tunjuk buku ASB tau..

jenglut

Originally posted by iddine at 21-9-2007 01:03 PM
Nak tanya sket. Medical card ni ada co-insurance tak,
10 % / 90% ??? klu baby umur 4 bulan is it consider new born baby??the return x berapa tinggi ye after matured, dpt RM8k je ke??

Hi again Iddine,

Yup..every medical kad should have co-insurance or co-takaful

Ours is 10% which is max is only RM1K, while min is RM300..

Let say ur medical bil RM50K, 10% is RM5K kan? so u only have to pay RM1K, while PruBSN pay RM49K to hospital...

Let say ya bil RM2,000..then 10% is RM200 kan, but u have to pay RM300, while the baki RM1,700 PruBSN bayarkan..

To help u to cover this co-insuran, kami sediakan awak duit poket hospital elaun max. RM400 per day..kalau masuk 3 hari, dpt la RM1.2K CASH MONEY!..

Return tak tinggi? RM8K is only based for 9% return..that is memang fix calculation dlm computer kami (memang di tentukan oleh kompeni kami dlm quotation, kami sendiri tak bole nak pandai2 ubah jd 30% or more than that - tu kira nipu customer tu)..

Tp actual performance til now, the growth at 24%...bykkkk tuuuu..U can always follow this market kat newpaper STAR/NST

Lg satu, we didnt count 'pro-rata return' due to sbb tak buat claim in that year..So the actual saving might be more than RM8K we quote earlier..

Anyway, INSURANCE/TAKAFUL is meant for PROTECTION of our SAVING..but while giving protection, we also provide decent saving..ok apeee..drp takde langsung..

In fact, u carum RM50/month, otomatic RM150,000 dlm tgn for emergency treatment..

After u carum a sum of money in insuran, then u sumbat la duit byk2 in ASB..so in anything happened to our baby..kita cover pakai duit insuran & tak usik duit simpanan ASB kita..

jenglut

Originally posted by fiktee at 20-9-2007 03:26 PM
Jenglut kita berminat la

I dah PM yg terbaik utk baby u!