Apakah sebenarnya Prudential PRUmy child?

Download – prumychild_Bahasa[1]

Soalan 1 : Apakah PRUmy child saya tak paham lah ?
Jawapan : PRUmy child adalah insurance plan pertama didalam Malaysia yang memberi perlindungan kepada anak anda sejak daripada didalam kandungan lagi. Jika anda ada anak berumur bawah 18 tahun anda boleh membeli plan seumur hidup ini untuk perlindungan dan simpanan pendidikan anak anda.

Soalan 2. Siapakah yang layak untuk plan PRU mychild?
Jawapan : Untuk foetus didalam kandungan dari 18-35 minggu , dan juga untuk sesiapa sahaja berusia anda 1 tahun ke 18 tahun (pada hari jadi akan datang).

Soalan 3 . Bagaimana PRUmy Child melindungi anak saya ketika dalam kandungan?
Jawapan :Jika anda mengambil plan PRUmy Child ketika anak anda masih didalam kandungan , anda boleh mengambil PRUearly start and PRUbest start yang akan memberikan faedah perlindungan ketika mengandung dan juga faedah perlindungan anak selepas dilahirkan.Dengan PRUearly start and PRUbest start anda akan dilindungi daripada komplikasi ketika mengandung , kematian ,kos untuk incubation dan juga kos rawatan hospital untuk “congenital conditions”.

Faedah Faedah PRUearly start

“Death of foetus” = keguguran
Jumlah premium yang dibayar atau jumlah unit didalam akaun anda , yang mana lebih tinggi akan dibayar

Maternal Death (sehingga 30 hari selepas bersalin), akan dibayar RM10,000

ICU atau HDU untuk bayi tak cukup bulan, RM300 sehari

Kematian bayi (dalam masa 30 hari selepas bersalin)

Incubation untuk bayi yang baru dilahirkan, RM100 sehari maksimum 60 hari.

Rawatan hospital kerana “congenital conditions”

Contoh “congenital conditions” yang dilindungi oleh PRUearly start
1. Congenital Cataract
2. Congenital Deafness
3. Anal Atresia

Reimbursement of hospitalisation claims up to RM 25000 annualy up to age 2 (Ini bukan medical card jadi anda perlu bayar dulu claim kemudian)

Faedah Faedah PRUbest start

Komplikasi ketika mengandung
Eclampsia , abruption placentae,Amniotic fluid embolism, RM5000

“Death of foetus” = keguguran
Jumlah premium yang dibayar atau jumlah unit didalam akaun anda, yang mana lebih tinggi akan dibayar

Maternal Death (sehingga 30 hari selepas bersalin), akan dibayar RM20,000

ICU atau HDU untuk bayi tak cukup bulan, RM500 sehari

Kematian bayi (dalam masa 30 hari selepas bersalin)
Jumlah premium yang dibayar atau jumlah unit didalam akaun anda, yang mana lebih tinggi akan dibayar

Incubation untuk bayi yang baru dilahirkan, RM200 sehari maksimum 60 hari.

Rawatan hospital kerana “congenital conditions”

Contoh “congenital conditions” yang dilindungi oleh PRUearly start
1. Congenital Cataract
2. Congenital Deafness
3. Anal Atresia
4.Infantile Hidrocephalus
5.Atrial Septal Defect
6.Ventricular Septal Defect
7.Congenital Diaphragmatic
8.Tetralogy of Fallot
9.Transposition of great vessels
10.Truncus Ateriosus

Reimbursement of hospitalisation claims up to RM 25000 annualy up to age 2 (Ini bukan medical card jadi anda perlu bayar dulu claim kemudian)

Mari kita tengok apa maksud sebenar ayat saintifik untuk congenital conditions diatas..

Congenital Cataract

A congenital cataract is a lens that is opaque at birth. The exact cause of congenital cataract is unknown in most cases. But the number of incidents is low in developed countries. Of those, about half of the cases are inherited and may likely be due to a genetic predisposition toward underlying disorders. In undeveloped countries, the cause of congenital cataract has been linked to congenital rubella syndrome as it is passed from mother to newborn. A congenital cataract has been known to impair vision, but can be successfully treated.

Congenital Deafness
Congenital deafness refers to hearing loss which is believed to have been present since birth.1 This is distinct from progressive impairment which is a problem noticed at birth but which worsens with time. Late onset impairment is when the hearing loss manifests itself postnatally but with no identifiable exogenous cause.

Anal Atresia
The anus is either not present or it is in the wrong place.

Infantile Hydrocephalus



Hydrocephalus
[1] (pronounced /ˌhaɪdrɵˈsɛfələs/), also known as “Water on the Brain”, is a medical condition. People with hydrocephalus have an abnormal accumulation of cerebrospinal fluid (CSF) in the ventricles, or cavities, of the brain. This may cause increased intracranial pressure inside the skull and progressive enlargement of the head, convulsion, and mental disability. Hydrocephalus can also cause death.

Atrial Septal Defect

An atrial septal defect (ASD) — sometimes referred to as a hole in the heart — is a type of congenital heart defect in which there is an abnormal opening in the dividing wall between the upper filling chambers of the heart (the atria). In most cases ASDs are diagnosed and treated successfully with few or no complications.

Ventricular Septal Defect
Ventricular septal defect is a hole in the wall between the right and left ventricles of the heart. This abnormality usually develops before birth and is found most often in infants.

Congenital Diaphragmatic
“Congenital Diaphragmatic Hernia” or CDH. Congenital means “born with” and a hernia is a problem where something goes through a hole it is not supposed to. The hole is in your baby’s diaphragm. The diaphragm is a muscle that helps us to breathe and keeps the organs in the abdomen from going into the chest cavity

Tetralogy of Fallot
Tetralogy of Fallot is the most common heart defect in children. The condition causes mixing of oxygen-poor blood with the oxygen-rich blood being pumped out of the heart and into the circulatory system of blood vessels.

Transposition of great vessels
In this situation, the pulmonary arteries are supplied by the left ventricle, and the aorta by the right ventricle. This, of course, is the opposite of the normal arrangement. Infants can only survive if there is a shunt between the two sides of the heart, and an atrial septal defect needs to be actually enlarged to allow adequate mixing of blood to deliver enough oxygenated blood to the body. Significant advances have been made in the surgical treatment of this disorder.

Truncus arteriosus
Truncus arteriosus is characterized by a large ventricular septal defect over which a large, single great vessel (truncus) arises. It occurs when the two large arteries carrying blood away from the heart don’t form properly and one large artery is present instead. This single great vessel carries blood both to the body and to the lungs. This artery (the truncus) sits over a large opening or hole in the wall between the two pumping chambers (ventricular septal defect).

Bagaimanakah PRUmy child boleh membantu anda membuat tabungan pendidikan untuk anak anda?
Bila anda membeli PRUmy child anda boleh menggunakan PRUsaver kid dan PRUedu saver untuk membuat tabungan untuk pendidikan anak anda.Wang yang dimasukkan akan dilaburkan untuk mendapat pulangan yang menarik. Anda boleh mengeluarkan wang itu pada bila bila masa sahaja .

Bolehkan saya menambah medical card untuk anak saya didalam plan PRUmy child anak saya??
Ya anda boleh memasukkan medical card ke dalam plan anda tetapi medical card hanya akan diaktifkan 30 hari selepas bersalin.
Jika anda ditimpa critical illness, hilang upaya penuh atau kematian ??
Tabungan dan polisi anak anda akan diterus oleh Prudential secara percuma.   Apabila anak anda meningkat dewasa wang untuk pendidikan sudah tersedia untuk anak anda.

Andakata terjadi apa apa kepada anak saya, adakah anak saya dan saya akan mendapat apa apa pampasan?
Jika anak anda ditimpa kematian , wang lump-sump akan dibayar kepada anda . Jika anak anda ditimpa hilang upaya kekal atau “critical illness” wang lump-sump akan dibayar dan tabungan dan polisi anak anda akan diteruskan oleh Prudential secara percuma. Wang untuk kegunaan anak anda akan tersedia apabila anak anda meningkat dewasa.

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