Wasiat

Kenapa penting menguruskan harta pusaka semasa hidup?

Inilah jadinya kalau tak buat wasiat semasa hidup. Semua harta akan dibekukan. Waris bergaduh sesama sendiri untuk tuntut hak masing-masing. Hutang dunia dan akhirat masih terbengkalai. 

Kita tak akan tahu bila kita akan kembali kepada Nya. Bertindaklah dengan bijak dengan berbincang dengan orang yang pakar dalam pengurusan harta pusaka. 

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Attitude is everything

Alhamdulillah.. Hari ni ramai yang datang untuk ubah attititude mereka, ubah cara hidup, ubah income, ubah masa depan. Walaupun hari cuti ramai yang datang. Syabas! Perjalanan berliku batu telah pun bermula dengan langkah pertama.

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Kad Perubatan Hospital Swasta

Pilih Pelan Prufleximed dan dapatkan pelan perlindungan perubatan yang anda perlu hari ini.

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Kad Perubatan PruBSN Takaful

Health Enrich adalah satu pelan rider perubatan yang membayar segala bil apabila anda dimasukkan ke dalam hospital, menjalani pembedahan dan menerima rawatan sebagai pesakit luar.

 

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Kad Klinik dan Pakar

KLINIKGUARD

POLICY DETAILS Introduction Benefits / Plan Coverage Exclusions How To Buy

INTRODUCTION   The rising cost of medication and treatment significantly affects companies and business owners. A full range of healthcare insurance that includes Out-Patient Clinical (OPC) coverage are a necessity. In response to the prevailing healthcare needs, Kurnia Insurans is proud to introduce its Out-Patient Clinical insurance, klinikGUARD.   Objective To make available a full range of healthcare insurance products for the needs of Corporations. To provide convenience to Corporations via an extensive network of panel Clinics and panel Hospitals. To ease the staff healthcare administrative work of Corporations. To enforce staff healthcare cost containment for Corporations.   Advantage Value for money and competitively priced. Availability of detailed Utilization Reports with multiple information which are user friendly. Taking care of the Non Core staff healthcare administrative work from the HR Department. Free access to Medical Insurance / Healthcare technical and professional information and advices. OPC compliments In-Patient Group Hospital & Surgical Scheme. Policy Benefits can be tailored made to suit the needs of each client e.g. Pap Smear, Prostate Specific Antigen. Annual Premium per Member starts from RM268.00.* * Subject to terms & conditions BENEFITS / PLAN COVERAGE   Out-Patient Without Specialist Standard Rate Option 1 Option 2 Co-Payment RM5 - Out-Patient GP Care Yes Yes Out-Patient SP Care No No Overall Annual Limit Per Person (RM) 1500 1500 Premium starts from (RM) 268 303   Out-Patient With Specialist Standard Rate Option 1 Option 2 Co-Payment RM5 - Out-Patient GP Care Yes Yes Out-Patient SP Care Yes Yes Overall Annual Limit Per Person (RM) 1500 1500 Premium starts from (RM) 338 373   Note: On condition Group Hospital & Surgical (GHS) is also to be insured with KIMB.   GP = General Practitioner SP = Specialist Non Panel Utilization Any utilization of health services outside the Company's network panel of clinics would be on reimbursement basis up to a maximum of 80% of the actual charges or RM20 whichever is lower and is limited to "emergency" situations only except for Accidental Injury. EXCLUSIONS   This policy does not cover any loss damage liability or costs directly caused by or contributed to or arising out of or in consequence of:   1. Plastic/Cosmetic surgery, circumcision, eye examination, glasses and refraction or surgical correction of nearsightedness (Radial Keratotomy or Lasik) and the use or acquisition of external prosthetic appliances or devices such as artificial limbs, hearing aids, aero chambers, equipment from nebulising, implanted pacemakers and prescriptions thereof.     2. Dental conditions including dental treatment or oral surgery except as necessitated by Accidental Injuries to sound natural teeth occurring wholly during the Period of Insurance.     3. Private nursing, rest cures or sanitaria care, illegal drugs, intoxication, sterilization, venereal disease and its sequelae, AIDS (Acquired Immune Deficiency Syndrome) or ARC (AIDS Related Complex) and HIV related diseases, and any communicable diseases required quarantine by law.     4. Any treatment or surgical operations for congenital abnormalities of deformities including hereditary conditions.     5. Pregnancy, child birth (including surgical delivery), miscarriage, abortion, prenatal or postnatal care and surgical, mechanical or chemical contraceptive methods of birth control or treatment pertaining to infertility. Erectile dysfunction and tests or treatment related to impotence or sterilization.     6. Consultation primarily for investigatory purposes, diagnosis, x-ray examination, general physical or medical examinations, not incidental to treatment or diagnosis of a covered Disability or any treatment which is not medically necessary and any preventive treatments, preventive medicines or examinations carried out by a Physician, and treatments specifically for weight reduction or gain.     7. Suicide, attempted suicide or intentionally self-inflicted injury while sane or insane.     8. War or any act of war, declared or undeclared, criminal or terrorist activities, active duty in any armed forces, direct participation in strikes, riots and civil commotion or insurrection.     9. Ionizing radiation or contamination by radioactivity from any nuclear fuel or nuclear waste from process of nuclear fission or from any nuclear weapons material.     10. Investigation and treatment of sleep and snoring disorders, hormone replacement therapy and alternative therapy such as treatment, medical services or supplies, including but not limited to chiropractic services, acupuncture, acupressure, reflexology, bonesetting, herbalist treatment, massage or aroma therapy or other alternative treatment.     11. Care or treatment for which payment is not required or to the extent which is payable by any other insurance or indemnity covering the Insured Person and Disabilities arising out of duties of employment or profession that is covered under a Workman’s Compensation Insurance Contract.     12. Psychotic, mental or nervous disorders, (including any neuroses and their physiological or psychosomatic manifestations.)     13. Sickness or Injury arising from racing of any kind (except foot racing), hazardous sports such as but not limited to skydiving, water skiing, underwater activities requiring breathing apparatus, winter sports, professional sports and illegal activities.     14. Private flying other than as a fare-paying passenger in any commercial scheduled airlines licensed to carry passengers over established routes.     15. Long term medications for the following conditions are excluded: Arthritis, Asthma, High Blood Pressure, Coronary Artery Disease, Cerebrovascular Disease, Cerebrovascular Accident, Diabetes Mellitus, Epilepsy, Gout, Hyperlipidemia, Parkinson, Peptic Ulcer, Psoriasis and Thyroid.     16. Personal comfort and convenience items (e.g. soaps, shampoos, vitamin creams and vitamin ointment) or services and similar incidental services and supplies, durable medical equipment including supplement medication even though prescribed by a physician.     17. Upper and lower jaw bone surgery (including that related to the temporomandibular joint) except for direct treatment of acute traumatic injury or cancer. Orthognathic surgery, jaw alignment, or treatment for the temporomandibular joint.     18. Services and supplies for smoking cessation programs and the treatment of nicotine addiction.     19. Services rendered by a provider with the same legal residence as an Insured Person or who is a member of a Insured Person’s family, including spouse, brother, sister, parent or child.     20. Education services such as speech improvement, diabetic classes and nutritional services, or group support services, unless authorized by the Company.     21. Out-Patient prescribed or non-prescribed medical supplies including elastic stockings, ace bandages, gauze, syringes, diabetic test strips, and like products; over the counter drugs and treatments.     22. Any preventive vaccination or childhood immunization (unless specifically included in the Schedule of Benefit).     23. Topical skin testing at GP Clinic.     24. General screening profiles at a GP clinic (unless specifically included in the Schedule of Benefit).     25. Growth hormone therapy.     26. Out-Patient physical therapy, physiotherapy and/or rehabilitation therapy is not covered and cannot be referred at general practitioner level. This service would only be covered when referred by a specialist and treatment must be provided by a registered physiotherapist. (applicable if specialist care is covered).

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Group Hospitalization Scheme

MEDIGUARD PREMIER

POLICY DETAILS Product Details Description of Benefits Exclusions Special Provision & Conditions Product Disclosure Sheets

INTRODUCTION   Looking for a medical insurance that offers more than the basic hospitalization coverage? mediGUARD Premier is THE PLAN! Besides basic hospitalization coverage, it has various extended benefits, which provide you with adequate protection at an affordable price. With mediGUARD Premier, you are offered choice of plans with or without a medical card.   With A Medical Card - Hospital Admission And Discharge Will Be Hassle Free   You will be given a Kurnia Insurans  medical card. Just present your card at any of our panel hospitals to get admitted, no deposit required. Click here to search for a panel hospital. This card guarantees hassle free admission and discharge for a covered condition. You may only need to settle non-payable charges, if any.     Without A Medical Card - You Have Free Choice Of Hospital   Just settle your full bill upon discharge and submit to Kurnia Insurans for claims reimbursement for a covered condition.   You can enjoy generous additional benefits: - Out-Patient Kidney Dialysis / Cancer Treatment - Emergency Accidental & Dental Out-Patient Treatment - Out-Patient Physiotherapy Treatment - Organ Transplant - Second Surgical Opinions - AIDS - Home Nursing - Double Overall Annual Limit For Accident Occurs Overseas - Major Medical - Accidental Death - Permanent Total Disablement Due To Accidental Injury - Bereavement Benefit On Accidental Death - Out-Patient Clinical Benefit (Optional). Click here to search for a panel clinic. - Full Reimbursement for Government Hospital (up to overall annual limit) SCHEDULE OF BENEFIT   SECTION A : BENEFIT / PLAN Plan 1 (RM) Plan 2 (RM) Plan 3 (RM) Plan 4 (RM) Plan 5 (RM) Plan 6 (RM) IN-HOSPITAL BENEFITS Maximum Per Disability Accommodation: Hospital Room & Board (daily max up to 150 days) 100 150 200 250 400 600 Intensive Care Unit, ICU (daily max up to 20 days) Full Reimbursement Medical & Surgical Procedures: Surgical Fees (including post-surgery care up to 60 days from date of surgery) Full Reimbursement Operating Theatre Anaesthetist Fee Pre-Hospital Diagnostic Tests & Specialist Consultation (31 days prior to admission) In-Hospital Physician Visit (daily max up to 150 days) Post-Hospitalization Treatment (within 60 days from date of discharge) Hospital Supplies & Services Prescribed Medicines (within 150 days during hospitalization and 60 days after discharge) Ambulance Fees OUT-OF-HOSPITAL BENEFITS Out-Patient Benefits: Annual Out-Patient Kidney Dialysis Treatment 20,000 25,000 35,000 40,000 50,000 60,000 Annual Out-Patient Cancer Treatment 20,000 25,000 35,000 40,000 50,000 60,000 Emergency Accidental & Dental Out-Patient Treatment (seek treatment within 24 hours and follow-up within 31 days) Full Reimbursement Out-Patient Physiotherapy Treatment (within 60 days from discharge) EXTENDED BENEFITS Organ Transplant (per lifetime limit) Full Reimbursement Daily-Cash Allowance At Government Hospital (up to 150 days) 50 60 70 80 90 100 Medical Report 50 50 50 50 50 50 Second Surgical Opinions 50 50 70 70 100 150 Government Service Tax 5% of Hospital Room & Board Eligible Expenses Reimbursable SPECIAL BENEFITS AIDS (per lifetime limit) 5,000 5,000 5,000 10,000 10,000 10,000 Home Nursing 5,000 5,000 6,000 8,000 8,000 10,000 OVERALL ANNUAL LIMIT 50,000 70,000 90,000 110,000 130,000 150,000 DOUBLE OVERALL ANNUAL LIMIT FOR ACCIDENTAL INJURY WHILST TRAVELING OVERSEAS 100,000 140,000 180,000 220,000 260,000 300,000 MAJOR MEDICAL (per lifetime limit) 10,000 15,000 20,000 25,000 30,000 35,000 LIFETIME LIMIT 150,000 210,000 270,000 330,000 390,000 450,000 PERSONAL ACCIDENT BENEFITS Accidental Death 20,000 25,000 30,000 35,000 40,000 50,000 Permanent Total Disablement Due To Accidental Injury 20,000 25,000 30,000 35,000 40,000 50,000 Bereavement Benefit On Accidental Death Only 1,500 1,500 1,500 1,500 1,500 1,500   SECTION B : BENEFIT / PLAN Plan 1 Plan 2 Plan 3 Plan 4 Plan 5 Plan 6 OUT-PATIENT CLINICAL BENEFITS (OPTIONAL) Out-Patient GP Care (in the Physician's office or clinic) · Consultation · Medication · Diagnostic Test (for accidental injury only) Panel - Co-payment RM 5 per visit - Unlimited number of visits per annumNon-Panel - Reimburse up to 80% of the actual charges or maximum RM 20 per visit, subject to emergency basis only Out-Patient Specialist Care (in the Physician's office or clinic) · Consultation · Medication · Diagnostic Test (for accidental injury only) Co-payment RM5 per visit up to RM100 per visit (inclusive of co-payment) subject to referral by panel clinics only (reimbursement basis) Preventive Screening For Annual Pap Smear Or Prostate Specific Antigen Full Reimbursement at panel GP clinics only OVERALL ANNUAL LIMIT RM 1,500 LIFETIME LIMIT RM 4,500   Please refer to Description of Benefits for definition of terms. ELIGIBILITY   Enrolment age from 19 years old up to 65 years old. Renewal is up to age 65 at the option of the Policyholder, thereafter at the discretion of the Company up to 70 and provided that you are enrolled before 61 years old. PREMIUM   Premium is calculated based on age next birthday and type of plan.   Annual Premium Table On Age Next Birthday (RM)   Section A : With Medical Card Option Age / Plan Plan 1 Plan 2 Plan 3 Plan 4 Plan 5 Plan 6 19-25 424 484 549 670 834 971 26-35 433 493 559 682 848 989 36-45 550 629 723 886 1,109 1,301 46-55 833 970 1,133 1,400 1,772 2,094 56-60 1,123 1,328 1,561 1,937 2,473 2,932 61-65 1,452 1,738 2,050 2,545 3,268 3,889 66-70 (Renewal only) 1,962 2,389 2,830 3,501 4,539 5,446   Section A : Without Medical Card (Reimbursement Basis) Option Age / Plan Plan 1 Plan 2 Plan 3 Plan 4 Plan 5 Plan 6 19-25 382 436 494 603 751 874 26-35 390 443 503 614 763 890 36-45 495 566 651 798 998 1,171 46-55 749 873 1,020 1,260 1,595 1,885 56-60 1,010 1,195 1,405 1,744 2,226 2,639 61-65 1,307 1,564 1,845 2,291 2,942 3,500 66-70 (Renewal only) 1,765 2,150 2,547 3,151 4,085 4,902   Section A & B : With Medical Card & Out-Patient Clinical Benefit Option Age / Plan Plan 1 Plan 2 Plan 3 Plan 4 Plan 5 Plan 6 19-25 722 782 847 968 1,132 1,269 26-35 731 791 857 980 1,146 1,287 36-45 848 927 1,021 1,184 1,407 1,599 46-55 1,131 1,268 1,431 1,698 2,070 2,392 56-60 1,421 1,626 1,859 2,235 2,771 3,230 61-65 1,750 2,036 2,348 2,843 3,566 4,187 66-70 (Renewal only) 2,260 2,687 3,128 3,799 4,837 5,744

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