Fattinity: YELLOW MONEY

Fattinity: YELLOW MONEY: STEP 3 : How important of medical card and life insurance

How important of medical card and life insurance?Below is billing medical cost example.
Do let me know if you looking to medical card or legacy planning.....don't hesitate and feel free to call or whatapp me 0125008308.

Client A_PRUvalue med-RM150 monthly premium (1 yrs policy inforce) due to URTI and Viral Fever
1) Pre-hospitalisation Treament benefit(within 60 days before hospitalisation) - As Charged
2) Post-hospitalisation Treament benefit(within 90 days after hospital discharge) - As Charged
3) Outpatient Cancer Treatment Benefit and Outpatient Kidney Dialysis Benefit (RM1.5 million per lifetime)
4) Room & Board Benefit (150 days per year). Room & Board Entitlement RM200/day, this can upgrade in policy depend on client necessary.

This patient was sick and keeping into fever. Refer to billing summary as below
Room & Board (2days): RM140
Hospital Charges: RM2547.05
Grand Total Actual Incurred: RM2687.05
Paid by Prudential: RM2387.05
Paid by Policy holder: RM300 (deductible)


Successful to claim on those Pre-Post hospitalisation fees from clinic and this client so happy and this was able to claim all the treatment fees without pay by himself. He was started to buy this insurance from 12March2019 (RM150 monthly premium) and he said appreciated and luckily got this insurance coverage.

1) Pre-hospitalisation Treatment Benefit (Within 60 days before hospitalisation)

Total able to claim on Pre-hospitalisation treatment fees is RM299.06 + RM95 = RM394.06

2) Post-hospitalisation Treatment Benefit (Within 90 days after hospital discharge)

Total able to claim on Post-hospitalisation treatment fees is RM163.45

Client B_PRUvalue med (2 months policy inforce) due to accident cause
1) Pre-hospitalisation Treament benefit(within 60 days before hospitalisation) - As Charged
2) Post-hospitalisation Treament benefit(within 90 days after hospital discharge) - AS Charged
3) Outpatient Cancer Treatment Benefit and Outpatient Kidney Dialysis Benefit (RM1.5 million per lifetime)
4) ICU-Intensive Care unit Benefit (90 days per life) - As Charged
5) Room & Board Benefit (150 days per year)

Refer to billing summary as below
Room & Board (55.5 days): RM9,490.50
ICU Benefit (4.0 days): RM648
Hospital Charges: RM299,694.72
Surgical Benefit: RM41,318
Non Coverable Expense: RM1,396.26
Grand Total Actual Incurred: RM351,151.22
Paid by Prudential: RM349,754.96
Paid by Policy holder: RM1396.26 (Non Coverable Expense). Refer below breakdown table of excluded amount