|
Produk
|
|
Written by My PruBSN
|
|
Thursday, 18 October 2007 |
Stay prepared. And be protected.
The Takaful Concept
Takaful is a mutual assistance plan based on the principles of shared responsibility, cooperation and common interest. Each participant contributes on the basis of Tabarru' (donation) into a fund that will be used to support each other in times of need. Stay Strong through Physical Adversity
The essence of living is that you can never predict what life may throw at you. Being physically able is one of the things you take for granted, but you never know when an accident can snatch that away from you, along with your livelihood.
Prudential BSN's (PruBSN) Takaful Pelindung ensures that you stay secure through physical adversity with your values intact. 1. What is Takaful Pelindung?
Takaful Pelindung is a Shariah-compliant yearly renewable Takaful Personal Accident plan. 2. Eligibility
Takaful Pelindung is open to anyone aged between 18 to 65 and renewable up to age 70.
| | Benefit Schedule Option | Accidental Death & Permanent Disablement (AD/PD) | Medical Expenses (ME) | Weekly Benefit (WB)
(Optional) | 1 | 100,000 | 1,000 | 100 | 2 | 200,000 | 2,000 | 150 | 3 | 250,000 | 2,500 | 200 | 4 | 500,000 | 5,000 | 300 | 5 | 750,000 | 7,500 | 400 | 6 | 1,000,000 | 10,000 | 500 | Notes: 1. The maximum sum covered for referred occupation is less than RM1,000,000. Please refer to the proposal form for the detailed plan and contribution. 2. Child benefits (if elected):
a. AD/PD is 20% of the Adult's Sum Covered and 100% for other benefits.
b. Non-working children aged 12 months to 18 years old (irrespective of the number of children).
c. Weekly benefit is not applicable to children.
3. The benefits for spouse are 100% of the participant's amount (if elected).
3. Benefits 3.1 Accidental Death (AD) & Permanent Disablement (PD)
We will pay the sum covered specified in the benefit schedule in accordance with the scale of benefits if the Covered Person sustains accidental death or permanent disablement.
3.2 Double Benefit
We will pay double the principal sum covered if the Covered Person sustains accidental death, total paralysis or loss of two limbs whilst traveling as a fare paying passenger in any public transport.
3.3 Weekly Benefit
We will pay the weekly amount as specified in the table above if the Covered Person sustains Temporary Total Disablement occurring within twenty-one (21) days from the date of accident.
3.4 Medical Expenses
We will pay on reimbursement basis the actual medical and surgical expenses not exceeding the amount as specified on the Schedule when require medical treatment by a qualified registered medical practitioner within 12 calendar months after the date of the accident (provided that the first expense is incurred within 26 weeks after the date of the accident). 3.5 Compassionate Allowance
We will pay up to RM2,000 in the event of accidental death. 3.6 Repatriation Expenses
We will pay on reimbursement basis the actual repatriation expenses up to RM5,000 in sending the Covered Person's mortal remains back to Malaysia or his/her country of domicile in the event of accidental death.
Additional Benefits
• Disappearance due to accident (after one year)
• Exposure to natural elements
• Natural perils like tsunami, earthquake, flood, lightning, windstorm and landslide
• Unprovoked murder and assault
• Accidental drowning or accidental suffocation
• Accidental food and drinks poisoning
• Unprovoked and accidental animal or insect bites
• Medical reimbursements for dengue fever and malaria
Increasing Cover
At each certificate anniversary, we will increase the sum covered by an additional 5% of the principal sum covered up to a maximum of 8 years or RM400,000 (whichever lower and inclusive of all Personal Accident takaful with us) as long as you have not made a claim on AD/PD. 4. Surplus Sharing
One unique feature of Takaful is the sharing of net surplus from the Takaful operation. You are entitled to a share of the surplus (if any) as long as you have not made a claim during the period of Takaful. The surplus will be allocated to you by providing you with a rebate when you renew your coverage for Takaful Pelindung. The basis of the rebate will be determined by PBTB in an equitable way.
If the surplus for a particular year is more than your renewal contribution, the excess rebate (on top of the renewal contribution), will be aggregated and donated to charitable organisations. Note : Certificate will terminate upon:
1. the expiry date of the certificate; or
2. the payment of the death benefit; or
3. the payments of the permanent disablement (100% of sum covered); or
4. the receipt of instructions from the Participant to terminate this certificate
5. the serving of 14 days' cancellation notice via A.R. registered mail by the takaful operator
Major Exclusions
• War risk
• Nuclear weapon or nuclear related risk
• Traveling in an aircraft as a pilot or a member of the crew
• Traveling in a helicopter
• Pre-existing physical or mental defects or infirmity
• Childbirth, miscarriage and pregnancy risk
• Insanity, suicide or attempted suicide
• Committing or attempting to commit unlawful act
• Participating in any professional sports
• Terrorism risk
Your Duty of Disclosure
You are required to complete the proposal form fully and completely when signing up for a Takaful cover. You should disclose fully all material facts, e.g. any previous claims, occupation, annual income, etc. When in doubt as to whether a fact is relevant or not, it is best to ask your intermediary. If you fail to disclose any material fact, your claim may not be payable. Contribution
The contribution you pay for your Takaful Pelindung will depend on the selected plan and the classification of your occupation. On top of the contribution, you need to pay for the stamp duty of the certificate which is RM10 currently and if the participant is a company, Service Tax at 5% of the contribution. Certificate Document
Please contact us if you have not received the certificate after one month of the payment of contribution. Claim Procedure
The Participant (or the Participant's legal personal representative in the event of the death of the Participant) must give written notice to us within fourteen (14) days after the happening of the accident likely to give rise to a claim and shall as soon as possible procure and act on proper medical or surgical advice. In the event of the death of the Covered Person, we shall be entitled to have a post mortem examination at the claimant's own expense and notice shall, when practicable, be given to us before interment or cremation stating the time and place of any inquest appointed. The death of the Covered Person shall be established by an Official Death Certificate or in the event of his disappearance following an accident by written evidence or official findings of the Relevant Authorities presuming his death. | |
|
Last Updated ( Tuesday, 28 October 2008 )
|
|
|
Produk
|
|
Written by My PruBSN
|
|
Thursday, 18 October 2007 |
 The Takaful Concept 
Takaful is a mutual assistance Certificate based on the principles of shared responsibility, cooperation and common interest. Each covered participant contributes on the basis of Tabarru’ (donation) into a fund that will be used to support each other in times of need.
PruBSN Kasih. The takaful plan that ensures your home remains with your family.
Your home shelters you and your family by keeping veryone safe. Can you imagine the impact on your family if it is taken away? With Prudential BSN Takaful Berhad’s (PruBSN) PruBSN Kasih, you don’t have to worry about that happening. With just a one-off contribution, you can ensure that in the event of your death, a lump sum payment will be made readily available to repay the outstanding home financing. |
| | In the event of death or total and permanent disability, the sum covered along with total amount available in the Individual Special Account (ISA), will be payable to Bank Simpanan Nasional (BSN) to settle off the outstanding amount on your house financing. |
| | How much contribution do l have to make? | |
| | The single contribution you have to make depends on your age, the sum covered, the term of your coverage, the construction period, profit rates of the mortgage financing and whether it is a financed or non-financed case. For your convenience, BSN offers you the facility to finance your single contribution. |
| | We will deduct 20% from your single contribution as our wakalah fee for distribution and management expenses as well as an additional 5% as wakalah fee provision.
Investment profit (if any) arising from the investment in ISA and Tabarru’ Fund will be shared at a pre-determined ratio of 80% back to you through your ISA and 20% to the Takaful Operator. |
| | Will I get a share of the surplus? | |
| | This is a unique feature of PruBSN Kasih where surplus arising (if any) from the Tabarru’ Fund, will be distributed to you through your ISA after deducting 30% as contingency reserve. |
| | Will I get any maturity value? | |
| | Yes, upon expiry of your Certificate, the balance amount in ISA will be payable to you as the maturity value. | | |
| | | How can l take up the cover under PruBSN Kasih? | |
| | You qualify for cover under PruBSN Kasih if you are between 18 to 60 years of age, have taken up housing financing from BSN, the sum covered is more or equal to RM10,000 and the loan tenure is at least 5 years. Your cover commences after the single contribution is made and your application is approved.
BSN is the owner of the Master Certificate. In case of death or total & permanent disability, PruBSN will pay a Death Benefit or Total and Permanent Disability Benefit to BSN in order to settle off the outstanding amount on your house loan. All payments to covered participants will be made through BSN. | |
What are the exclusions? Exclusion for the Death Benefit
Any death which is directly or indirectly caused by or in connection with suicide within one (1) year after the Entry Date.
Exclusions for the Total and Permanent Disability Benefit
Any condition / illness / injury / event which is directly or indirectly caused by or in connection with: (a) any:
(i) attempted suicide;
(ii) self-inflicted injury; or
(iii) self-inflicted illness;
WHETHER attempted / inflicted while sane or insane;
(b) any participation in any aerial sporting activities such as hang-gliding, ballooning, parachuting, sky-diving, bungee jumping and other such similar activities;
(c) any service in armed forces in a war (declared or undeclared) or in respect of any orders for war-like operations or restoration of public order;
(d) any riot, civil commotion, strike or terrorist activities; or
(e) any violation or attempted violation of any law or resistance to arrest.
What will l get if l cancel or surrender my Certificate?
You are given a 30-day free-look period upon receiving the Certificate to satisfy yourself that this plan will best serve your needs. Or, you may cancel your Certificate by informing BSN and we will refund your single contribution less any medical expenses incurred.
After the free-look period, you may surrender the Certificate by informing BSN where we will pay the amount available in ISA as cash value. | Important Notice: - This brochure is a brief description only. For exact details of terms and conditions, please refer to your Certificate document.
- The Certificate will not provide the takaful coverage upon termination of your Certificate.
- The balance in ISA (if any) will be payable to you upon expiry of your Certificate.
- You should satisfy yourself that the plan will best serve your needs and that the contribution under the Certificate is an amount you can afford.
- The benefits of the ISA will be based on the actual performance of the account and it is not guaranteed.
|
|
|
|
Produk
|
|
Written by My PruBSN
|
|
Monday, 08 October 2007 |
|
Untuk bil-bil perubatan besar anda... Anda dibenarkan pulang. Tetapi biasanya, rawatan tidak berakhir di situ sahaja. Jadi bagaimana? Kebanyakan orang fikir mereka sudah merancang pembiayaan kos rawatan hospital mereka. Mereka yakin mereka telah membuat pilihan pelan perubatan yang tepat. Mereka mengandaikan majikan mereka telah menyediakan perlindungan perubatan yang secukupnya. Sehinggalah mereka dimasukkan ke hospital. Pada waktu inilah seseorang itu akan sedar bahawa perbelanjaan perubatan selalunya berterusan walaupun setelah keluar dari hospital. Apatah lagi, kos-kos rawatan di hospital juga telah meningkat di luar jangkaan kita sejak beberapa tahun kebelakangan ini. Kemudian, ada pula kos-kos rawatan selepas dikeluarkan dari hospital. Kos penjagaan jururawat di rumah. Atau dialisis buah pinggang. Atau kemoterapi. Di PruBSNTakaful, kami mendengar dan memahami keperluan anda. MMC membolehkan anda membiayai bil-bil hospital yang besar. Bebaskan diri anda daripada kekusutan kewangan akibat bil hospital yang tinggi . MMC adalah pelan perubatan unik yang direka untuk membantu anda membayar bil-bil hospital yang besar. Dengan perlindungan perubatan yang lebih komprehensif, pelan ini menawarkan anda : · Had Tahunan Yang Tinggi · Kebebasan Memilih Hospital-hospital dan Doktor-doktor · Perlindungan 24 Jam Di Seluruh Dunia · Perkhidmatan Hospital Rangkaian Di Hospital Tertentu · Jaminan Pembaharuan · Tiada jadual Pembedahan Yang Terhad · Manfaat Yang Termasuk Cukai Perkhidmatan · Rawatan Sebelum Masuk dan Selepas Keluar Hospital · Penjagaan Jururawat Di Rumah · Pembedahan Balik Hari · Rawatan Kecemasan Pesakit Luar Untuk Kecederaan Akibat Kemalangan · Rawatan Pesakit Luar Bagi Penyakit Barah dan Dialisis Buah Pinggang · Bantuan Perubatan Kecemasan Antarabangsa dan Tempatan Memperkenalkan
MMC MMC adalah pelan perubatan utama yang direka untuk membayar balik perbelanjaan perubatan besar yang ditanggung sekiranya anda dimasukkan ke hospital, sehingga umur 70 tahun. Koinsurans * Bagi Manfaat Hospital & Pembedahan (kecuali Manfaat Bilik & Penginapan Hospital Harian), anda membayar 10% daripada jumlah perbelanjaan yang layak, tertakluk kepada jumlah Koinsurans Minimum sebanyak RM300.00 dan Jumlah Koinsurans Maksimum sebanyak RM1,000.00. Pihak syarikat akan membayar bakinya. Pihak syarikat berhak untuk menyemak semula Jumlah Koinsurans Minimum dan Maksimum sekali setiap 12 bulan dengan memberi notis 30 hari. Bagi Jumlah Koinsurans Minimum sahaja, jumlah yang akan dinaikkan semasa penyemakan semula tersebut tidak akan melebihi RM100.00. ** Bagi Manfaat Rawatan Pesakit Luar, anda membayar 10% daripada jumlah manfaat yang layak dan pihak PruBSNTakaful membayar bakinya. Jumlah manfaat-manfaat yang akan dibayar dalam setahun mestilah tidak melebihi Had Tahunan Keseluruhan. Jumlah manfaat-manfaat yang akan dibayar dalam tempoh seumur hidup adalah tertakluk kepada Had Seumur Hidup. Perlindungan bemula serta-merta selepas penerimaan, bagi kemasukan ke hospital akibat kemalangan. Tetapi perlindungan hanya bermula 30 hari selepas penerimaan, bagi sebab-sebab lain. MEDICAL CARD PruBSNTakaful akan mengeluarkan kad TAKAFULassist untuk anda dibawah Bantuan Perubatan Kecemasan apabila anda membeli MMC . Anda boleh menghubungi perkhidmatan 24 jam TAKAFULassist (dikendalikan oleh International SOS) pada bila-bila masa secara caj kembalian [ reverse charge ] dari mana-mana tempat di seluruh dunia untuk mendapatkan bantuan dan perkhidmatan, Kad TAKAFULassist boleh juga digunakan untuk kemasukan ke hospital di bawah Perkhidmatan Hospital Rangkaian di hospital-hospital tertentu. Bagaimana
MMC Membayar Rawatan Perubatan Di Luar Negara? Jika anda menerima rawatan perubatan di luar negara, manfaat akan dibayar mengikut kos rawatan yang biasanya dikenakan oleh hospital di Malaysia. Tiada manfaat akan dibayar jika anda tinggal di luar negara selama lebih daripada 90 hari bagi setiap perjalanan. Apakah pengecualiannya? Pengecualian yang biasa ialah: · Kecederaan diri yang disengajakan. · Peperangan, penglibatan secara langsung dalam rusuhan, mogok atau kekacauan awam. · Kehamilan, melahirkan anak, keguguran atau pengguguran janin. (Sila rujuk Pelan Prulady untuk perbezaan) · Rawatan pergigian melainkan diperlukan kerana kecederaan akibat kemalangan atau penyakit yang melibatkan pembedahan oral. · Sebarang pembedahan elektif, pembedahan kosmetik atau plastik (melainkan diperlukan kerana kecederaan akibat kemalangan atau penyakit. · Kemasukan ke hospital yang tujuan utamanya ialah untuk penyiasatan, dianogsis, pemeriksaan x-ray, pemeriksaan fizikal atau kesihatan rutin; rawatan khusus untuk mengurangkan atau menambahkan berat badan; pemulihan, penjagaan atau rehat pulih. · AIDS, kewujudan sebarang jangkitan HIV atau penyakit yang disebarkan melalui hubungan seks. · Perkhidmatan yang tidak berkaitan dengan perubatan. · Penyakit otak, penyakit jiwa, penyalahgunaan/ketagihan arak atau bahan. · Ketidaksuburan, pencegahan hamil, pemandulan, kecacatan kelahiran, kecacatan kongenital, berkhatan. · Sukan professional, sebarang jenis perlumbaan, selam skuba, aktiviti sukan udara dan sebarang aktiviti atau sukan berbahaya lain. · Sebarang pelanggaran atau percubaan untuk melanggar undang-undang atau menentang daripada ditahan.Penyakit-penyakit tertentu berikut bagi 12 bulan pertama perlindungan. · Penyakit-penyakit tertentu berikut bagi 4 bulan pertama perlindungan :- 1. Batu karang di dalam sistem kencing dan hempedu. 2. Hipertensi atau penyakit kardiovaskular (kecuali serangan jantung). 3. Diabetes melitus. 4. Katarak atau pterigium. 5. Semua ketumbuhan, sista, polip atau barah. 6. Pembedahan sinus, septum hidung atau tonsil. 7. Hernia, buasir atau fistula. 8. Gastritis, gastrik atau ulser duodenal. 9. Endometriosis atau disfungsi pendarahan uterin. · Kewujudan sebarang tanda atau simptom yang untuknya rawatan, pengubatan, perundingan, nasihat atau diagnosis telah didapatkan atau diterima sepanjang 2 tahun sebelum bermulanya polisi. Berapakah Premium Yang Perlu Saya Bayar? Premium MMC boleh didapati dalam 2 bentuk. Jika MMC dilampirkan pada sesuatu polisi TAKAFULlink, premium paras perlu dibayar. Premium
MMC yang dilampirkan pada polisi insurans hayat tradisional adalah berdasarkan umur tercapai. Apabila umur meningkat, premiumnya juga meningkat. Premium yang perlu anda bayar bergantung kepada umur anda, kelas pekerjaan dan pelan yang anda pilih. Premium hendaklah dibayar sepanjang tempoh pelan. Anda mesti memaklumkan kepada syarikat tentang sebarang perubahan dalam pekerjaan anda, kegemaran atau sukan kerana ia boleh memberi kesan kepada premium, terma, syarat dan manfaat. Kadar premium tidak dijamin. PruBSNTakaful berhak untuk mengubah premium dengan memberi notis 30 hari jika pengalaman tuntutan sebenar adalah lebih buruk daripada jangkaan. Bagaimana Anda Boleh Menyertai
MMC ? Anda boleh melampirkan MMC kepada polisi insurans hayat yang telah anda beli daripada PruBSNTakaful. Ia juga terbuka untuk anak-anak anda. Notis Penting ·
MMC tidak mempunyai sebarang nilai tunai. · Anda perlu memastikan bahawa pelan anda memenuhi keperluan anda dan anda mampu membayar premium sepanjang tempoh pelan anda. · Anda diberi tempoh berfikir selama 15 hari selepas polisi diserahkan kepada anda untuk meneliti jika berkenaan menepati keperluan anda. Jika anda mengembalikan polisi dalam tempoh tersebut, premium anda akan dibayar balik, tertakluk kepada potongan sebarang perbelanjaan yang dibayar untuk pemeriksaan kesihatan. Sertailah Sekarang!!! 0133989877- AZWIRA www.insuranman.blogspot.com Jika Ingin Mendapatkan Keterangan Terperinci Mengenai Produk Insuran Yang Di minati…Sila hubungi Azwira di talian 0133989877 dan boleh juga melalui Emel/YM di wirahidupsihat Risalah ini adalah sebagai penjelasan sahaja. Untuk maklumat lanjut mengenai terma dan syarat, sila rujuk
dokumen polisi.
|
|
Last Updated ( Tuesday, 13 May 2008 )
|
|
|
Produk
|
|
Written by My PruBSN
|
|
Monday, 08 October 2007 |
| Written by Admin | | Sunday, 09 September 2007 | | 
Nota: Sila hubungi Azwira Untuk Keterangan terperinci mengenai produk hebat ini.0133989877
This e-mail address is being protected from spam bots, you need JavaScript enabled to view it
This email address is being protected from spam bots, you need Javascript enabled to view it |
|
|
|
Blog PruBSN Takaful 
