Takaful Puteri & Takaful Puteri Plus

Salamz kepada semua, alhamdulilah baru baru ni Pudential BSN Takaful telah melangkah setapak maju kehadapan dalam memastikan peranan nya sebagai syarikat takaful pertama di Malaysia dengan melancarkan lagi satu produk khas untuk kaum wanita. Produk ini diberi nama Takaful Puteri dan Takaful Puteri Plus.

a) Takaful Puteri
Manfaat Penjagaan Wanita yang melindungi anda daripada penyakit-penyakit berkaitan wanita

b) Takaful Puteri Plus
Manfaat Penjagaan Wanita yang melindungi anda daripada penyakit-penyakit yang berkaitan wanita.
Manfaat Penjagaan Ibu yang melindungi komplikasi kehamilan dan penyakit-penyakit congenital bayi (penyakit sejak lahir)

MANFAAT PENJAGAAN WANITA

A) 100% jumlah yang diinsurankan akan dibayar untuk satu tuntutan daripada mana-mana kejadian di bawah.

• Kanser berkaitan wanita
• Kanser payudara atau
• Kanser Uterus Serviks atau
• Kanser Tiub Falapio atau
• Kanser Ovari atau
• Kanser Uterus atau
• Kanser Vagina/Vulva

B) 100% jumlah yang diinsurankan akan dibayar jika berlaku Lupus Eritematosus Sistemik (SLE) dengan Lupus Nefritis

C) 30% daripada jumlah yang diinsurankan akan dibayar sekiranya disahkan mengidap Karsinoma-in-situ Payudara atau Uterus Serviks.

Bagaimanapun, apabila disahkan kemudiannya mengidap kanser berkaitan wanita atau Lupus Eritematosus Sistemik dengan Lupus Nefritis, kami akan membayar baki 70% daripada jumlah yang diinsurankan.

B) 30% daripada jumlah yang diinsurankan akan dibayar untuk satu tuntutan daripada mana-mana kejadian di bawah.

• Artritis Reumatiod dengan Komplikasi atau
• Pembedahan Rekonstruksi Payudara atau
• Pembedahan Rekonstruksi Muka kerana kemalangan atau
• Grafting kulit kerana kebakaran atau
• Grafting kulit Kanser kulit atau
• Keretakan Osteoporosis

MANFAAT PENJAGAAN IBU

A) RM10,000 akan dibayar untuk satu tuntutan daripada mana-mana kejadian di bawah

• Komplikasi Kehamilan
• Penyebaran Penggumpalan Intravaskular (selepas hamil 7 bulan) atau
• Kehamilan Ektopik atau
• Keguguran Lewat (dari hari 126 hingga hari 196 kehamilan) atau
• Kematian Fetus (selepas hamil 196 hari) atau
• Kematian Anak (dalam tempoh 30 hari selepas kelahiran)

B) Tuntutan untuk satu daripada mana-mana kejadian dibawah.RM20,000 akan dibayar.

• Penyakit-penyakit Kongential Bayi
• Sindrom Down atau
• Kecacatan Vetrikel Septum atau
• Kecacatan Atrium Septum atau
• Spina Bifida atau
• Lelangit Rekah

Bayi mestilah hidup lebih dari 30 hari selepas kelahiran dan didiagnosis dalam tempoh 2 tahun selepas kelahiran.

Nota :

Kejadian yang boleh dituntut di bawah Manfaat Penjagaan Wanita Dan Manfaat Penjagaan Ibu mestilah kejadian pertama yang berlaku di sepanjang hayat Hayat Diinsurankan

Kepada rakan -rakan wanita yang mencari plan khusus untuk wanita dan mematuhi hukum shariah, jangan berlengah lagi, hubungi saya di ilanatrah@prupartner.com.my atau ila.natrah@gmail.com atau sms/telefon saya di 012 -217 9790.

Andrea's Fabby Baby!

I would like to introduce everyone to my friend Andrea, she was my ex-colleague. One thing about her, she such an angel with 'bitch' behaviour..opsss, mind my language...just kidding ya babe. To be honest, she is so sweet and I enjoyed every single time with her n she is such a lovely babe..

Apart of her 'happy go lucky' character, unfortunately on June 2008, she was diagnosed of having a fibroid on her uterus. The diameter was about 6cm and on July it grew till 10 cm.. Just imagine a tennis ball, or not, maybe a lawn ball..slightly bigger..Imagine, such a ball on your uterus..It's scary..


Honestly, I was so shocked when I hear it as it was never come across in my mind tat such an energetic babe will get it, some more she still young and single. But then, as I think back, I got another friend tat also young, single and perfectly fit has cyst at her right ovary and endometriosis at her left ovary. Nothing is IMPOSSIBLE on these modern days..And in fact it's common amongst young ladies to get it.


But now come to the worst part, as Andrea plan to undergo her surgery which schedule on August 2008 and when she checked with the company on the financial stuff . Guess what, she does NOT have any medical card from the company as the company did not buy any insurance plan for her...Things getting dirty and from what I heard also, they were numbers of her colleagues do not have any insurance plan.

Just take a deep breath and think about these :-
1) What will happen if one of the employees meet an accident and need to admitted and the operation cost will reach 5 figures?

2) What will happen if the company is just a small sendirian berhad which hardly breathe and having problem to pay the company salary and need to come out with 5 figures and to pay the operation cost?

3) What will happen if company doesn't want to pay the surgery cost?
What will happen if..What will happen..and the list continues...

You want to know the solution? Simple, just park aside 10% of your salary, purchase on investment + savings + protection + medical card plan from Prudential..Why Prudential? Because Prudential holds 21% market share and pay out 40% claims in year 2007 which equivalent to RM800 million! All your worries and questions will be answered..SO SIMPLE..

Coming back to Andrea story, lucky for her, she is an existing client from Prudential..Thanks ya babe for choosing Prudential! Worst case also, the medical card is always there for her to swipe..Lucky for her also that the company is willing to come out with their own company money to cover the expenses..It's the luck!

But, remember one thing, not everyone is lucky, is always good to think about ourselves..be selfish, think about ourselves because at the end, we don't want to be such a burden to others.

I wish you all the best babe and I know u such a strong girl!!
And Yes I Do Love You.. (-:

Kita Bukan Isteri Perdana Menteri

Kita bukan isteri perdana menteri....

Kalau kita isteri perdana menteri,

Kita tak perlu takut sbb semua free,

Sebab kita boleh buat rawatan kimoterapi

Kanser di Los Angeles,

US Ratus - ratus ribu,

High class facilities,

Kerajaan tanggung in and out,

Buat rawatan sambil bercuti,

Sapa nak bagi,

Al-Fatihah untuk Allahyarhamah Datin Sri Endon,

Kita bukan Azean Irdawaty,

Aktress yg terkenal pun tak lepas dari kanser,

Ye la kanser tak pilih bulu,

Pun tak cukup duit rawat kanser,

Tapi takpa,

masuk paper Berita Harian, Metro,Utusan dan macam2 mintak derma,

Masuk TV3 mintak ringankan beban,

Mcm2 persatuan bagi derma,

Zakat Selangor bagi RM 30 000,

Orang lain bole dapat ker mcm ni ?

RM 90 000 bukan senang nak cari,

Berlakon satu filem di bayar RM 60 000,

Setahun 3 filem dah RM 180 000,

Banyak gaji Pn Azean ni,

Tak masuk drama dan iklan,

Mcm ni punya kaya pun kena

mintak derma lagi.....

Gaji you + husband ada RM180,000 setahun ?

RM100,000? RM 30000 ?

Alahai sedihnyer....

Kanser tak pilih bulu,

Hari ni sihat,

Bulan depan tengok2

Kanser dah stage 3,

14 hari ketumbuhan 5cm dah jadi 10 cm,

1 dari 19 wanita menghidap kansersetiap tahun ????

Bila giliran kiter agaknyer ??

Hospital kerajaan yang macam pasar basah tu boleh setel cepat ker?

Bukan nak hentam Hospital Kerajaan,

Facilities dan kepakaran

Hospital Kerajaan dan Swasta setanding....
Tapi Doktor Kerajaan sendiri cakap,

Kes elektif mcm kanser atau jantung,

Atau kritikal,

Eloklah jangan ditangguh rawatan,

Mcm mana nak cepat?

Sbb kita bukan isteri perdana menteri....

Nak rawatan cepat kena pergi hospital swasta,

Hospital swasta paham2 lah,

Bisnes tetap bisnes,

RM 20 000, buat kimo sajer, satu cycle jer,

tak masuk rawatan yang lain,

Bila dah kena,

ada yang bergadai rumah,

ada yang bergadai tanah,

Kos rawatan + kos sara hidup

(dah sakit tak bleh p kerja dah...)

Boleh cecah RM 100 ribu..ada yang lebih..

Kalau duit rawatan + duit sara hidup +kos rawatan susulan RM 150 000, mcm mana ?

Simpan RM 200 sebulan di ASB pun

10 tahun belum cukup RM 100 000..

Kalu simpan RM 200 di Takaful,

esok dah ada dana kecemasan RM 150 000,

Kalau tak dak jadi aper2 dapat balikModal + Investment...

Ni pun tak boleh paham ker ?

Setengah orang kedekut..

kalau tak kedekut,

mungkin tak paham,

beli kereta bayar RM 500 boleh,

RM 1500 pun takper,

asal bergaya,

beli emas ribu - ribu sanggup,

tapi nak bayar 5% dari gaji bulan utk

kecemasan rasa mahal,

sedangkan benda ni wajib + penting,

dana kecemasan la katakan,

kalau ada RM 150 000 dalam bank hari ni takper,

tapi kalu ada kecemasan,

RM 150 000 kena guna,

habis lah duit you,

kene kumpul balik….
kan ker baik kalau orang lain

bagi RM150,000 utk kecemasan,

Mahal?

RM200 mahal?

RM 150 mahal gak ?

RM 90 mahal lagi ????

Orang Cina bila dapat 1st gaji

diorang tak plan nak beli kereta Honda

Orang Melayu bila dapat 1st gaji

terus plan nak beli kurang2 Waja,

Orang Cina bila dapat 1st gaji,

diorang pikir Investment,

pikir Insurance,

Orang Melayu bila dapat 1st gaji

diorang pikir nak pakai kereta aper,

sport rim 17 inci wajib,

Perancang kewangan kater,

utk kereta tak lebih 12% dari gaji bulan,

Gaji RM 2500 sebulan,

patut beli kereta yg bayar bulan RM 300/sebulan,

Wira second ok la..kenari second ker..

utk permulaan.....

Tapi…

ramai tak ikut..
gaji RM 2500,

beli kereta Honda CityRM 600/sebulan.....

24% dah tuh..

Perancang kewangan kater,

60% gaji utk hutang + perbelanjaan,

40 % utk investment + dana persaraan + insurance,

Orang melayu 99% gaji utk hutang +belanja sara hidup...

1 % utk simpanan...

Beraper kerat jer orang melayu ada

RM 50 000 cash dalam bank lepas 5 tahun kera,

Bila orang suruh beli takaful / insurance.....

mahal...

tak cukup bulan2 nak bayar......

pakat2 la betulkan kedudukan

kewangan korang semua....

Orang Kerajaan berlagak,

Penyakit dan rawatan semua di tanggung,

Betul tu….

Habis hari2 orang kerajaan masuk paper

mintak derma mcm maner?

Kita bukan isteri Perdana Menteri,

Bukan juga adik Menteri,

Menteri dan PM sendiri pun cari hospital swasta utk rawatan,

kat US lagi tuh,

Pegawai jabatan jer? clerk jer?

Pegawai sains jer? Ketua Jabatan? Pensyarah?
Ok la skit dengar bunyik nyer,

OK sebulan lagi datang balik

buat Test tu Test ni,

OK tunggu result 2 minggu,

OK kena tunggu giliran buat pembedahan,

mungkin 3 bulan lagi,

Senarai list 10 muka surat,

tahun depan pun ada nak dapat giliran,

mintak maaf cakap, inilah realiti......

Orang kerja Swasta lagi lah tak sedar diri,

Konon - konon Multi Nasional Company...

Majikan Cover la katakan...

Berapa ribu beb ?

Sampai bila beb ?

Berapa limit beb ?

8 bulan kena kanser tak pi kerja

Majikan nak cover lagi ker beb ????

pencen umur 55 thn

habis takdak coverage dah...

86% warge tua melayu sekarang

tiada coverage insurance..

golongan ni berada di tahun akhir1970an dan 1980an...

tengah kuat kerja mcm kita,

tapi masa tu insurans tak famous

di kalangan orang melayu,

haram...

sekarang ada satu pilihan jer lah...

hospital kerajaan...

kalau nak ke hospital swasta...

kena cari dana sendiri...EPF?

Untuk persaraan pun tak cukup

inikan pula nak tanggung medical...

Sekarang banyak company besar2

beroperasi di Malaysia,

Tapi sampai bila ?

Itu pun kalau majikan

masih sudi beroperasi di Malaysia,

Bisnes is bisnes,

bukan badan kebajikan atau welfare...

kalau kos operasi dah mahal...

pegi tempat lain la jwbnyer..

nak beli takaful masa umur 55?

Besar belanjer nyer beb..

itu pun kalau layak...

Majikan paling besar dalam Malaysia..
adalah Kerajaan Malaysia,
Insyallah dah berpuluh tahun beroperasi..
tak bungkus...
walaupun kalah byk di PRU12 baru2 ni,..takper..
Majoriti mudah dalam tangan...
Alahhhh...
kalu PAS ker PKR kerperintah Malaysia pun,
kerajaan tetap jalan mcm biasa...

Kerja Kilang besar mana pun,
risiko nak bungkus tetap ada,
US dah meleset, Kilang US kat Msia ni byk dalam bahaya...
Kat Malaysia pun
operator kilang Melayu dah skit…
berlambak Bangla, Vietnam , Nepal... murah...
Sikit hari lagi, depa pakat – pakat
pindah Operasi pi Bangla...
Hampa ternganga....
Tu pun masih tak sedar diri lagi..

IKM-HUKM Hospital yg terbaik dari segi facilities bagi rawatan kanser,
Hospital Kerajaan nih…
Hospital Swasta n Kerajaan kadang2 akan refer sini,
Sini ada golongan yg tak perlu bayar,
atau bayar seminimum yg mungkin,
Ada yang kena bayar 100%..
bagi yang ada coverage insurance,
atau TOKEY KILANG,
Boleh buat loan nak buat rawatan disini...buat loan ?
Cukup la loan rumah, loan kereta
dah beban dah.....

Kebarangkalian nak jatuh dalam
GROUP tak payah bayar sangat lah rendah..
Second group kena bayar skit.
skit berapa skit...
RM 20 ribu ?
RM 30 ribu ?
Tengok kes ler...
So, are we hoping for the luck
to fall in the Not Need Pay Group ??

Husband kerja, wife kerja...

boleh bayar bulan - bulan aper ....

Ibarat guna Kad kredit ler,

Kad kredit Visa Jammed,

Gunerlah pulak Kad Mastercard,

(Mana2 yg pakai kad kredit,stop dan tukar pada Kad Debit plak...)

Bila jalan jauh,

spare tyre kena ada,

Jahanam satu tayar,

ada lagi satu tyre spare..

Sama juga kes you,

Mana boleh dapat rawatan kerajaan,

pergi la takda masalah,

Tapi bila lambat dan waiting list panjang,

pegi la hospital swasta nak cepat...(dengan coverage insuranse la yer...)

Kanser bila dah kena,

keluarga merana,

isteri kena kanser suami merana,

suami kena kanser isteri merana,

kehilangan keluarga tersayang

taktau nak cakap ler sedihnyer,

Kesian anak2...

Gaji Laki bini RM 2500 + RM 2500..

Wow.. RM 5000

satu tumbang...tinggal RM 2500 jer..

dah la tak cukup...

nak tanggung kos rawatan kanser lagik..

kalau takdak insurans.....

masuk paper ler mintak derma..

tanggung sakit memang perit,

takda duit nak buat rawatan lagi tambah pedih,

Ajal dan maut di tangan tuhan akhirnyer

Kalau dah sampai ajal, pergi jua...

Sekurang2nya kita mencuba,

dapatkan rawatan terbaik,

Jangan nanti terkilan salah kan diri sendiri,

Sbb lambat dapat rawatan...

Why lambat ? tak der duit..

Suami-suami yang menyayangi isteri...

Isteri - isteri yang menyayangi suami..

Lepas baca nukilan nih,

bincang - bincanglah sesama sendiri,

Suami belikan takaful untuk isteri...

Takkan isteri nak beli untuk suami..

Apa2 pun bolehlah...

Nasihat saya...

Takaful atau Insurans ..

hanya boleh dibeli dengan KESIHATAN,

Hanya orang yang SIHAT je ..

boleh beli insurans atau takaful…

You mampu bayar RM 500 sebulan pun,

Bila dah SAKIT,

orang tak pandang dah,

Nukilan ni bukan nak perli saper2,
Just nak bukak minda jer,

Mintak maaf kalau ada yang teraser,

Sementara sihat, eloklah beringat..

Bila dah sakit...Wallahulalam...

Ingat.....

Kita bukan isteri mana - mana Perdana Menteri...

hatta Menteri sekali pun...

Karya diatas adalah hasil nukilan:

En. Yuzairi Yunus

zairi_takaful@yahoo.com

Ila, Apa Beza Antara Conventional Insurace Ngan Takaful Ekk?

Salamz untuk semua...hemmm...soalan paling 'glamer'...dialog ako biasenye :-

ila : so, korang ok ker nak amik conventional atau nak takaful

prospects : ako beza die

ila : senang citer, mcm conventional bank ngan islamic bank, cam tue jugak lah conventional insurance ngan takaful

prospects : ok..ok....tapi ila still kureng paham lagi lah..contoh lain..

ila : actually konsep die sama, cuma yang beza, conventional insurance adalah non shariah compliance n takaful is shariah compliance. Bila takaful itu adalah shariah compliance; die akan bebas dari unsur gharar ( uncertainty ), maysir ( gambling) and riba ( interest ). Takaful company sendri ada shariah board yg akan monitor takaful company nyer activities such as; investmest must be shariah approved and etc. Contoh lagi, dalam takaful kita ada konsep tabarru' which meant setiap individu menyumbang dalam satu pool, so at any event berlaku musibah terhadap mana-mana individu ( contohnye, death, critical illness), duit dalam pool tue akan diberi kepada individu yg ditimpah musibah..

prospects : hemmm..bagus..ada paham sket..

ila: alhamdulilah, so kita proceed lah ngan takaful..ok?

so, ako terus lah tanya health questionnares sbb tak sume org entitle tok amik insurance kan...dah proses sain menyain akan go on lah..

kepada mana- mana individu yg masih memerlukan penerangan...please feel free to drop mail to ilanatrah@prupartner.com.my or ila.natrah@gmail.com or sms me at 012-217 9790 and for those interested to get free quotation please do the same and don't forget to include ur name, dob, gender, smoking status and occupation..

Thank you and have a good day!

The Secret

2 months back, when I just started the business, I was introduced to "The Secret". I started with the DVD and I think it'WOOW' as it really 'The Secret'. Thanks to Ryonda Byrne who has revealed .Now, I know 'The Secret' and I shall share with all of you. Make your wish to the universe and the universe will say 'You wish is my command' . You can go to 'The Secret' website to have a preview.

I enjoyed wathcing the DVD and decided to purchase 'The Secret' book. Every time I need motivation, I read any chapter and BOOM, I felt the energy as it was transferred to me. Sound like 'poyo' jer, but it's true, try yourself.

In nutshell, these are my personal opinion on what 'The Secret' is all about :-

1. 'Law Of Attraction'. U attract wat is in ur thought. See, ur mind cannot differentiate 'I want' or 'I don't want'. Example, if you say 'I don't want to be late', ur mind can only read 'Late', it can't distinguish between want or don't want. Therefore, we need to change the way we think, always be in positive site, instead of 'I don't want to be late', u shud say ' I want to be early' and believe me, it really makes a difference.

2. 'Man becomes what he thinks'. Now, you need to be very extra careful what you are thinking because it will come to you. If u think about debts, more debts will come to you, if u thinks about traffic jammed, more traffic jammed come to you. if you think about MPPJ 'samans', more MPPJ 'samans' will come to you. U need to choose what is in ur thought. Focus on other things, focus on creating wealth than accumulating debts. Remember earlier I said, ur mind can't distinguish between want or don't want. If u said, I want to get out from debts, it still the debts u r thinking, than the universe will give it more to u.

3. Follow these 3 simple rules. ASK, BELIEVE and RECEIVE. ASK from the universe what u want, like I want to drive BMW325i. BELIEVE you already have n u r driving a BMW325i. RECEIVE as feel the feeling of receive it. and trust me the BMW325i will be yours and it just a matter of time.

4. Gratitude. U need to be gratitude of what u have now. U can't live a bigger dream when u don't appreciate a small things u have now. Very simple, start to thank god that you have eyes to read the blog and fingers that allow u to touch the keyboards and clicking the mouse. Similar, U can't expect to have a happier relationship when at the current state u r not happy.

There are other things in 'The Secret' that can be applied to your life. In fact,I have started to apply it and feel the differences. As simple as ' I want to be early' rather than ' I don't want to be late'. You need to trust yourself.

Why I Chose to Be With Prudential ?

Y I chose to be with prudential ? Y ? Y ? and Y ? Hemm,to be honest, I can come out with a list of bullet proof explanation but personally, these are my reasons :-

1. I am prudential customer since 2006. My mum was the one who insists me to buy prudential, I still can recall the diaologue :

mom 'natrah, make sure awak beli prudential nye insurance, bagus tue'

me ' apa yg baguih nyer?'

mom ' bagus lah, aru tue mak dengar dorang explain, amik jer, awak tue kerja swasta, kang apa -apa jadi susah'

me ' Yess Boss, nanti natrah amik' . cut it short, i have my plan till today.

2. since then, I met lots n lost of prudential agents, they came to my x-office at phileo ( so happen, prudential has one branch at phileo damansara), they approached me at shopping complex, the called me. At first, I got a little bit annoyed and I believe lost of people have the same feeling. But, those annoyed feeling is nothing compared to their will power and 'never give up attitude'. I think it's cool. How many people can get rid of fear getting rejection? It really amaze, and therefore I told myself that it's a time to challenge myself n to take next step. The next era of 'Business woman' and here I am today.

3. I have been working with my blood and tears to make my x-boss rich, y should I continue making him rich ? y can't I do it for myself? y can't I make myself richer? Full stop, I know for sure prudential will give me the opportunity that I'm looking for, time for myself, financial freedom, utilize my people skills and something that I passionate.

3 pre reasons are enuough la huh..my current reasons that keep me moving :-

1. I love the company culture, I love prudential activities. full with energy, full with motivation, full with people who inspired others ( no hatred or backstab circumstances like office politics).

2. I love the plan a.k.a products, it is very comprehensive until there is no reasons y people don't want to take it. I wish to share with every single person I met about the plan

3. I love meeting up with people. I'm a people people.

that its, all the reasons I have to be with prudential. for those who interested to taste the amazing culture of prudential, do mail/sms me ur name, dob, occupation, gender to ilanatrah@prupartner.com.my or ila.natrah@gmail.com or 012- 217 9790.

My Insurance Career Blog

Salam to all, thank you for ur time visiting my page. I'm actually quit nervous to start blogging and in fact i'm not sure what language I shall use, shall I use 'Bahasa Pasar' or shall I make it more 'Bahasa Baku" or is it suppose to be in Bahasa or maybe English or maybe 'Bahasa Rojak'.

It always not easy for the first time. Always in dilemma. Same when I decided to join Prudential, should I join full time or maybe start part time first..again i'm in dilemma

To cut it short, after think and think and think again, i decided there is nothing better than to join prudential full time. Full time to service people surrounding me, Full time to stay focus, Full time for my career development and finally, Full time for myself n my love ones.

To cut it short also, i decided to use this blog as my free expression towards my career and it shall not restrict to what language or what contents or what information I shall used.

This blog is meant for everyone who seek for more information and looking for personal opinion about buying insurance and takaful. And again to help them make a wise judgement.

Lastly, feel free to give any comment about this blog and for those who looking for FREE insurance and takaful consultation, do sms or email me ur Name, D.O.B, Gender, Occupation, Smoking Status, Budget (suggested to be 10%-15% of ur gross salary) to ilanatrah@prupartner.com.my / ila.natrah@gmail.com / 012 - 217 9790

Regards,
Ila Natrah