Testimonial Claims

Contoh Claim 1

Info Kes: fracture distal & rt radius wt post

Hospital: KPJ Tawakal Specialist Hospital

Bil hari warded: 4 hari (cukup 6 jam dikira sehari warded)

Kos rawatan: RM 6, 589.20 bil termasuk pembedahan, warded, consultant dan etc.)

Jumlah yg dibayar oleh pesakit: RM 797.13 ( 10% co-takaful (min RM300 – Max RM 1000) dan caj tidak ditanggung)

Jumlah yang dibayar oleh PruBSN Takaful: RM 5,792.07 (setelah ditolak ko-takaful)

Elaun Hospital: RM 1,250 (termasuk elaun surgical)

Premium bulanan: RM 200 sahaja

Contoh Claim 2

Info Kes: Bilateral OM wt effusion

Hospital: KPJ Ampang Puteri Specialist Hospital

Bil hari warded: 2 hari (cukup 6 jam dikira sehari warded)

Kos rawatan: RM 3,971.55 (bil termasuk pembedahan, warded, consultant dan etc.)

Jumlah yg dibayar oleh pesakit: RM 413.39 ( 10% co-takaful (min RM300 – Max RM 1000) dan caj tidak ditanggung)

Jumlah yang dibayar oleh PruBSN Takaful: RM 3,558.16 (setelah ditolak ko-takaful)

Elaun Hospital: RM 600

Premium bulanan: RM 135 sahaja

Contoh Claim 3

Info Kes: Viral Fever

Hospital: Senawang Specialist Hospital

Bil hari warded: 5 hari (cukup 6 jam dikira sehari warded)

Kos rawatan: RM 3,509 (bil termasuk warded, consultant dan etc.)

Jumlah yg dibayar oleh pesakit: RM 344 ( 10% co-takaful (min RM300 – Max RM 1000) dan caj tidak ditanggung)

Jumlah yang dibayar oleh PruBSN Takaful: RM 3,165 (setelah ditolak ko-takaful)

Elaun Hospital: RM 750

Premium bulanan: RM 207 sahaja

MLTA vs MRTA

Hi,

Please think before make decision of buying home insurance :-


MRTA : Mortgage Reducing Term Assurance

MLTA : Mortgage Level Term Assurance

1. MLTA = flexi insurance, MRTA = term insurance

2. PROTECTION :

MLTA = protection, savings and/ or guarantee returns (cash value)

MRTA = reducing protection

3. PAYMENT :

MLTA = periodic. Can be paid on monthly, quarterly, half yearly / yearly basis

MRTA = lump sum payment by cash / finance into housing loan

4. MLTA = tax relief up to RM6000 every year, MRTA = no tax relief

5. MLTA = cash return(asset) MRTA = no cash return (expense)

6. TRANSFERABILITY :

MLTA = transferrable & able to upgrade protection value

MRTA = non transferrable (lapse when tend to refinance/ new purchase)*when buying new property/ refinancing, MRTA premium will be higher because of age*

7. MLTA = death/tpd/critical illness + premium waiver,

MRTA = death and tpd only

8. MLTA = level premium, MRTA = higher premium if financed by bank as it is tied to BLR

9. Nomination :

MLTA = Beneficiary can be anyone

MRTA = Beneficiary is Bank

If you are tend to investment/ refinancing, MLTA from PruBSN is suitable because you no need to re-purchase your home insurance after few years. Any further inquiry, please don't feel hesitate to email me at hasmizie@gmail.com

Thank you.