Saturday 9 November 2013

Health Enrich



Health Enrich adalah satu pelan rider perubatan melalui sumbangan berkala yang membayar balik perbelanjaan perubatan utama sekiranya anda dimasukkan ke hospital, menjalani pembedahan atau menerima rawatan sebagai pesakit luar.

Pelan ini mempunyai empat pelan – HealthEnrich Vital, HealthEnrich Select, HealthEnrich Advanced dan HealthEnrich Premier yang menyediakan kad perubatan individu untuk memberikan anda akses serta-merta di salah satu panel hospital kami.



Siapa yang layak memohon?



Pelan Pilihan

Health Enrich adalah pelan kad perubatan yang terbaru dari PruBSN di mana terdapat beberapa perbezaan dari pelan sebelum ini iaitu Takaful Health 2.

Antara beberapa perbezaannya yang menjadikan ia lebih menarik dan menguntungkan adalah:

1) Jumlah had seumur hidup untuk penggunaan kad perubatan Health Enrich dari serendah RM300,000 sehingga RM4,000,000.

2) Bilik dan Penginapan Hospital Harian sehingga RM1,000 dengan jumlah maksimum tahunan 365 hari.


3) Pengecualian deposit hospital untuk hospital-hospital pilihan


4) Khidmat Nasihat Perubatan Kedua sehingga RM1,000 (tahunan)



5) Dana pemindahan organ dengan had seumur hidup sehingga RM200,000


6) Perlindungan dari komplikasi-komplikasi kehamilan sehingga RM20,000 tahunan (untuk wanita)


7) Bantuan kecemasan di seluruh dunia (bukan hanya di dalam Malaysia, tetapi di seluruh dunia)


8) Pilihan pelan kad perubatan untuk anak sama ada 10% ko-takaful atau 100% tanggungan oleh PruBSN (sebelum ini hanya ko-takaful)


Untuk keterangan lanjut, sila hubungi 0126673031 atau email: nonie.resources@gmail.com


Saturday 8 June 2013

FAQs on Investment-linked Insurance


 1. Is the return on an investment-linked fund guaranteed?

No, the return on an investment-linked fund is not guaranteed. This is because the price of the units that you hold may rise or fall depending on the market value of the investment.


2. What are bid and offer prices?


The offer price is the price quoted by the insurance company when selling the units of an investment-linked fund to you. The bid price is the price quoted when the company buys back the units from you. The difference between bid and offer prices is called the bid/offer spread, which is usually expressed as a percentage. The spread is usually about 5%.


3. Would I know the charges I pay under my investment-linked insurance plan?

An investment-linked insurance plan is usually more transparent than other plans in disclosing the charges that are levied. Theses charges, including insurance charges, administration costs and fund management fees, are disclosed in the statement sent to all policyholders.


4. Do I have to surrender my investment-linked insurance plan if I decide to change the investment fund?


No, it is not advisable to surrender your existing insurance plan if you decide to change the investment fund. This is because you may get less than what you have invested due to fees and charges.


What you can do is to switch funds and most insurance companies allow one switch per year without any fee. However, for additional switches, you may be charged a processing fee.


5. Can I increase my investment?


Yes, you are allowed to top up on your exising investment-linked insurance plan at any time. The 'top-ups' are normally used to enhance the investment portion of both single and regular-premium plans without any change in the insurance coverage. You can also increase the coverage for death, critical illness, hospitalisation, accident and others.


6. How long should I hold my investment-linked insurance plan?


There is no fixed period of time for you to hold on to your investment-linked insurance plan. It is like a savings account in a bank or a unit trust in which you may decide on the duration of holding onto your plan. However, it is not advisable to hold the plan for a short period of time in view of the high initial costs. 

http://www.insuranceinfo.com.my/help_and_advice/faq_investment_insurance.php?

Saturday 1 June 2013

Thanks a lot, Angelina Jolie - Hollywood star’s bravery in confronting challenges is inspiring

Sunday Star, June 2, 2013

REFLECT BY SUMIKO TAN

DO you have a history of fibroids?” she asked. My heart froze and my head raced.

I was on a bed in a darkened room in a hospital in Novena doing my annual medical examination last month. A pelvic ultrasound wasn’t part of the package, but when the doctor asked if I wanted to do it, I said okay.

I’d done it several times before and it’s painless. A gel is spread over your lower belly and the radiographer uses a hand-held device to scan your abdomen.

Did I have fibroids? I tried to remember and told her that, yes, I think one of the previous tests showed I did.

The pelvic ultrasound was the last hurdle I had to cross that morning. The radiographer had earlier done a breast ultrasound that seemed to pass uneventfully. I was hoping this would be over quickly too.

It wasn’t to be.

She said my bladder wasn’t full and so the examination would take a while. Even then, it seemed to be taking forever. She kept going back to one particular spot at my lower belly.

She asked if I had children and I said no. She continued her probe.

“There’s something wrong there, isn’t there?” I asked her, worried.

She didn’t answer.

I felt a shiver run through me.

I knew I was putting her in a difficult position but I had to know.

“Is it my ovary?” I insisted fearfully. “It is my ovary, isn’t it?”

She gave a little nod, and I freaked out.

She asked if I’d done a pelvic ultrasound before and I said I had. She went outside, I presumed to check my records.

My heart was pounding by then.

She returned soon after, did one final check of that particular area then said I could get changed.

I wasn’t trembling exactly, but I was extremely worried.

“You found something didn’t you?” I asked again. She said she couldn’t say anything, adding “the doctor will say”. I asked to see the doctor but it was nearly 2pm on a Saturday and they had all left. She said I could check on Monday.

I went back to H, who had finished his examination and was waiting for me.

I think they found something in my ovaries, I told him grimly.

I took out my iPad and started Googling “ovarian cancer”.

My heart sank deeper. Article after article said it was a dangerous form of cancer with a five-year survival rate of 75% if diagnosed before it spreads, and 20% if it has spread to the upper abdomen.

My weekend was miserable.

A little knowledge is a dangerous thing, and in this Internet age, everyone thinks he knows everything after consulting Dr Google.

I got green in the face and sick in the stomach reading up any form of illness I could think of related to the female reproductive system. I also dug out my past ultrasound reports and pored over them.

What’s the point of worrying, H said. You don’t know what’s wrong or if anything is wrong. Don’t dwell.

I can’t stop imagining the worst, I said.

He advised me to call the clinic on Monday to check, but I decided not to, clinging on to the hope that no news would be good news.

Monday passed with me feeling jittery every time my phone rang, as did Tuesday, Wednesday, Thursday and Friday. I tried to relax over the weekend, but on Monday, I started worrying all over again.

My mother had a robust response to my fretting. If they find something, at least you will know about it early, she said. You can then “cut it off”.

On Tuesday night when I came home from work, I saw a thick envelope on the kitchen table. My medical report, as well as H’s, was inside. It was still sealed.

Why didn’t you tell me it’d come, I asked. I didn’t want to worry you, he said.

My fears were not unfounded.

One part of the report was marked in bold and read: “The ultrasound of the pelvis showed a septated right ovarian cyst measuring about 1.7cm. You should have this evaluated by repeat ultrasound in another menstrual phase to follow up.”

The word “septated” sounded scary and sure enough, when I Googled it, the first article I saw warned that such cysts “are more likely to be cancerous than any other cyst”. (“Septated”, I also discovered, means the cyst is divided into segments.)

See, I said to H, I told you so. I was frightened, but I also felt a sense of vindication and relief. At least I knew now, and if anything was wrong, I could get it checked.

I sat down to read the report more carefully. The radiologist had also noted that “no solid component is seen within the cyst” and that it was “probably physiological”. (I took that as good news.) But she recommended another ultrasound “for further evaluation”.

I spent the night Googling “septated ovarian cysts” but was none the wiser.

On Monday, I saw the GP at work. She said I should consult a gynaecologist for his opinion. I made an appointment for later this month.

A week after that little drama, news broke that actress Angelina Jolie had undergone a voluntary double mastectomy because she has a gene that makes her more at risk of ovarian and breast cancer.

She had chosen to go public about it so that other women who could be cancer-prone would get tested and know their options.

It was a revelation that came with some risk of damage to her image because, let’s face it, to most people, especially men, a mastectomy isn’t ranked up there with what is considered sexy and seductive, and she is in the business of being that.

But reading the news, my respect and admiration for her shot up.

Despite being so beautiful, accomplished, rich and famous, she, too, must have faced the sort of fears all other women have about their health. But instead of letting it overpower her, she chose to, in her own words, “be proactive and to minimise the risk as much I could.”

The bit that truly inspired me was when she said “life comes with many challenges. The ones that should not scare us are the ones we can take on and take control of”.

It’s tough being a woman because so many things can go haywire with your body, and when it does, the fear and worry can be overwhelming.

If – and when – I get bad news, I hope I can be as brave as her and confront the problem rather than be cowed by it. — The Sunday Times / Asia News Network

Thursday 23 May 2013

5 Ways Money Can Buy Happiness

By Philip Moeller | U.S.News & World Report LP – Mon, May 20, 2013

Psychologists have been busy testing the premise that money can't buy happiness. Nobel prize-winning economist Daniel Kahneman has garnered lots of attention with research that says this largely is true. Beyond about $75,000 in annual income - enough to fund a moderately comfortable lifestyle - more money does not make people much happier, he said.

Not so fast, say two young academics. Elizabeth Dunn, an associate professor of psychology at the University of British Columbia, and Michael Norton, an associate professor of marketing at Harvard Business School, have written a new book called "Happy Money: The Science of Smarter Spending." In the book, they make a persuasive case that money does have the ability to buy happiness, and it's not how much money you have that matters, but how you spend it.

Much of the "money can't buy happiness" school of behavioral thought rests on a concept called hedonic adaptation: The human brain rapidly adjusts to what it senses.What's new today becomes ho-hum tomorrow. And so it is with material acquisitions. That shiny new car gives us immense happiness when we drive it off the lot. But we soon get used to it, and it ceases to provide much happiness. Ditto for other possessions.Hedonic adaptation extends to human relationships. The torrid romance gives way to the memorable honeymoon, which is followed by the exciting early years of marriage and then often succeeded by a reality in which even the strongest marriage may become routine to both members of the happy couple.

The path to happiness, Dunn and Norton say in their short and engaging tour of the happiness landscape, is, in effect, an end run around the brain's adaptive power. They cite a wealth of research supporting the notion that we should spend money on a range of things besides material goods and services that the brain can adjust to. They also include solid examples of how people and organizations employ these principles to increase satisfaction and happiness.In a jargon-free and anecdotal guide (hedonic adaptation is my phrase, not one you'll find in their book), the authors say, "Shifting from buying stuff to buying experiences, and from spending on yourself to spending on others, can have a dramatic impact on happiness." They set forth five key principles for what they call "happy money."

1. Buy experiences. The brain doesn't adapt as successfully to experiences. While things may wear out their welcome, experiences can provide increasing benefits over time. A memorable trip takes on even more luster with the passage of time. Even an unpleasant adventure may produce stories that grow in value as the years pass. The happiest experiences usually involve other people we care about, and thus tap into human beings' greatest source of meaning -social interaction.

2. Make it a treat. "Abundance, it turns out, is the enemy of appreciation," the authors write. Using your money for surprises can be a great way to produce happiness and bypass the brain's basket that collects and negates the benefits of the predictable and routine. Better still, it's possible to change the way we make even repeated material purchases and turn them back into the treats they were when you first began buying them. Human brains love surprises. Like other principles on the list, the happiness impact of treats can be amplified if they are produced using multiple principles.

3. Buy time. Having more time is a form of wealth that can be used to "buy" more happiness. So it can make sense to spend money to create both the reality and, of equal importance, the perception of what Dunn and Norton describe as "time affluence." It also turns out that giving away our time, through volunteer work for example, can make us feel even more time-affluent. We have time to spare. It's literally possible to buy more time by spending money on time-saving products and services. But the book also makes a strong pitch for spending less time on two of the least happy uses of time - television and commuting - and spending more time with family and friends.

4. Pay now, consume later. This principle is particularly appealing to me because it turns the basis of our debt-loaded "buy now, pay later" consumption economy on its head. Spending money is, literally, a pain to our brains. That's one major reason credit cards are so alluring; they separate the purchase from the pain.But it turns out that paying in advance for something you will consume in the future does the same thing and turns the actual purchase into something our brains regard as being free. Buying pleasurable things and experiences ahead of time - such as a weekend spa getaway or vacation - also frees our minds to imagine all sorts of wonderful outcomes, and this anticipation can add to our happiness. Finally, it's also true that laying out the money ahead of time is an effective check on overspending. So we can get more happiness and spend less money."Because delaying consumption allows spenders to reap the pleasures of anticipation, without the buzzkill of reality," the authors say, "vacations provide the most happiness before they occur."

5. Invest in others. "Spending money on others provides a bigger happiness boost than spending money on yourself," Dunn and Norton write. They also cite research that this is not restricted to materialistic societies but is also true in relatively impoverished countries."The principles we've outlined should not be considered as independent from each other," they say. "You shouldn't either buy experiences or invest in others, but rather think about applying as many principles as you can in your daily spending. It's even possible to apply multiple principles with a single purchase."Spending on others, to cite one example, can provide the biggest happiness bang for the buck when people invest in others in a way that connects them to other people and especially to other people they care about.

Turning the money you spend into happy money is hardly an automatic process. We have lots of inflexible spending requirements and habits and think things such as fancy homes and cars bring us happiness when research shows they don't."For one week, keep track of all the money you spend," Dunn and Norton suggest. "Rather than grouping your expenditures into the traditional categories used by the Bureau of Labor Statistics, try putting them into categories according to our five spending principles. Then take a close look at all the discretionary income you've spent that falls outside these categories - and see how much of it you can forego the following week.

"Happy spending!


Wednesday 22 May 2013

Great Story of A Brave Boy Giving Blood



There was a story of a little girl named Liza who was suffering from a disease and needed blood from her five-year-old brother, who had miraculously survived the same disease and had developed the antibodies needed to combat the illness. 

The doctor explained the situation to her little brother, and asked the boy if he would be willing to give his blood to his sister. I saw him hesitate for only a moment before taking a deep breath and saying, 

“Yes, I’ll do it if it will save Liza.” 

As the transfusion progressed, he lay in bed next to his sister and smiled, as we all did, seeing the color returning to her cheeks. Then his face grew pale and his smile faded. 

He looked up at the doctor and asked with a trembling voice,

“Will I start to die right away?” 

Being young, the boy had misunderstood the doctor; he thought he was going to have to give her all his blood. 



Wednesday 1 May 2013

TUNTUTAN PERUBATAN & KESIHATAN

Assalamualaikum…
 
Berikut adalah kes hospital pertama saya (tahun 2011) yang melibatkan Client, seorang Peniaga Pasar Segar/Pasar Malam yang berumur 42 tahun.
 
Client mengalami Endometriosis  atau ketumbuhan dalam rahim. Beliau pada mulanya ke Hospital kerajaan di Ampang, namun memandangkan terpaksa menunggu lama dan sakitnya bertambah, pada 31/10/2011 beliau dinasihatkan untuk ke Hospital Ampang Putri dengan menggunakan Kad Perubatan Prudential. Di sini beliau dirawat dan ditempatkan di dalam wad selama lapan hari.
 
Alhamdullilah, beliau dibenarkan keluar dari hospital pada 8/11/2011. Jumlah keseluruhan rawatan dan jumlah yang di bayar oleh adalah sebanyak RM 21,651.99 (Termasuk bayaran Hospital dan Consultation seperti didalam gambar di bawah).


 




Perkara ini mungkin terjadi kepada anda atau orang di sekeliling anda. Takaful PruBSN terbukti dapat membantu anda.



Untuk pertanyaan, sila hubungi:

 
Email: nonie.resources@gmail.com
Facebook: http://facebook.com/siti.nonie
Hp: 0126673031 
FREE CONSULTATION,
FREE QUOTATION,
MORE TRANSPARENT !


Saturday 20 April 2013

Takaful BSN Kad Perubatan

Prudential BSN Kad Perubatan

Adakah Anda Mampu Menyediakan RM 50,000 Dalam Masa Yang Singkat Sekiranya Doktor Pakar Anda Memerlukannya Sebagai Kos Rawatan Anda?

Adakah Anda Mempunyai Simpanan Yang Terjamin Untuk Persaraan Dan Simpanan Pelajaran Anak Anda?

Apakah Yang Akan Terjadi Kepada Keluarga Anda Sekiranya Sesuatu Terjadi Kepada Anda.

Bagaimanakah Mereka Akan Menyara Kehidupan Mereka?





Sila layari link youtube berikut:

Friday 12 April 2013

Bagaimana Untuk Mengendali Bantahan dalam Enam Langkah Mudah

Kebanyakan Ajen Takaful berfikir bantahan sebagai satu perkara yang buruk ... tetapi mereka terlepas gambaran yang lebih penting. Jika prospek anda menimbulkan bantahan, itu sebenarnya adalah petanda yang baik. Bantahan bermaksud mereka memberi peluang untuk anda menerangkan lebih lanjut tentang produk anda. Sebaliknya, jika seseorang itu benar-benar tidak berminat, mereka tidak akan membuang masa untuk membantah atau bertanya dengan lebih lanjut - biasanya mereka hanya akan duduk melalui penerangan anda dalam diam (dengan tangan dilipat) sehingga penerangan anda tamat.





Jadi bersyukurkalah jika ada bantahan dari prospek semasa membuat penerangan produk. Berikut adalah proses yang mudah untuk membantu menyelesaikan bantahan prospek anda.

1. Dengar Bantahan.

Jangan cepat membantah atau melatah sebaik sahaja prospek anda berkata "Tetapi..." Berikan dia peluang untuk menjelaskan apa yang sedang difikirkan. Dengar dengan teliti. Anda boleh mengambil beberapa petunjuk berharga daripada prospek tersebut

2. Ulang Kembali Apa Yang Prospek Anda Katakan

Setelah anda pasti Prospek anda selesai meluahkan apa yang difikirkan, analisa isu-isu penting yang di suarakan dan ulang kembali intipati penting yang dikatakan tadi. Ini menunjukkan bahawa anda telah mendengar dan memberi dia peluang untuk menjelaskan.

3. Analisa Bantahan Tersebut.

Bantahan pertama selalunya bukan faktor utama bantahan tersebut. Sebagai contoh, ramai prospek tidak mahu mengakui bahawa mereka tidak mempunyai wang yang cukup untuk membeli produk anda, sebaliknya mereka akan menimbulkan pelbagai bantahan lain. Sebelum anda menjawab bantahan tadi, tanya beberapa soalan analisa, seperti soalan yang memerlukan penjelaskan dengan lebih mendalam tentang bantahan tadi.

 4. Jawab Bantahan itu.

Sebaik sahaja anda memahami bantahan sepenuhnya, anda boleh menjawabnya. Apabila pelanggan menimbulkan bantahan, mereka benar-benar menyatakan ketidakpastian mereka. Tugas anda pada ketika ini adalah untuk memastikan mereka benar-benar faham. Cara yang terbaik adalah dengan memberikan contoh-contoh khusus, seperti cerita dari pelanggan yang sedia ada atau beberapa statistik, dll – fakta kukuh membuat respons anda kuat.

5. Semak Kembali dengan Prospek.

Ambil masa untuk memastikan bahawa anda telah menjawab bantahan prospek sepenuhnya, seperti "Adakah saya menjawab kebimbangan anda?"

6. Kembali ke Topik Perbualan.

Jika anda sedang membuat peneranagan produk dan prospek menimbulkan bantahan, maka jawab bantahan tersebut dan dengan cepat merumuskan apa yang anda akan telah di terangkan kembali ke penerangan tadi. Periksa jika prospek mempunyai apa-apa bantahan yang lain.

Sekian, selamat mencuba!