Daughter Aged 6 Years Old Both Parents Doctor

My client's Takaful Plan for her daughter, aged 6 years old.
Both of them are doctor; husband work in Singapore while his wife a doctor in Malaysia.

Monthly contribution RM 300
Cash value projection after 30 years : RM 89, 842 (not affected by claims)

Ringkasan :

1. PruBSN Smartlink - Death Compensation RM 45, 000. Up to 80 years old.

2. Crisis Shield -  Critical Illness Compensation  RM 40, 000. Up to 80 years old.

3. Accidental Death And Disablement - If death because of an accident, Death Compensation RM 85k (RM 45k + RM 40k).
Disablement Compensation RM 40k. Up to 70 years old.

4. Health Enrich Premier - The best medical card in Prudential BSN Takaful.  More details in this article.

5. Disability Provider - Disability Compensation RM 4k annually.

6. Parent Term - A lump sum RM 100k  cash into an Investment Unit Account of daughter upon parent's total and permanent diability before age 70 or death, before the daughter reach age 25.

7. Contributor - Free monthly premium if the person covered (daughter), diagnosed having a total&permanent disability before age 70 or diagnosed having critical illness before age 80.

8. Parent Contributor - Free monthly premium if a parent diagnosed having permanent and total disability before age 70 or having critical or death before age 100.

( SNAP FROM QUOTATION )

MEDICAL CARD : HEALTH ENRICH PREMIER

Hospitalised

• Free cost of warded the whole year (365 days  per year) up to RM 1000 per day for Preferred Hospitals and up to RM 500 per day for Other Hospitals
• Hospital Daily Cash Allowance RM 200 per day.
• Can hire Personal Medical Attendant up to RM 200 per day.
• ICU covered for 120 days per year.
• Free Surgical Procedure and Treatment In Hospital and Related Services 

Outpatient

• Day Surgery as charged  
• Home Nursing Care 365 days per lifetime.
• Covered cost of treatment 90 days before and after admission into the hospital (for the same case).

Life-Changing Ilnesses

• Could ask for Second Medical Opinion 
• Consultation & Diagnosis in Malaysia up to RM 1000 per year
• Could also ask for consultation with World Leading Experts; replied within 15 days.
• Cancer Treatment and Kidney Dialysis as charged.

Emergency

• Maternity Complications - RM 20k per year 
• Emergency Treatment for Injury - RM 5000 per year

Annual Limit RM 200k 

Lifetime Limit RM 4 millions

List Of Preferred Hospitals

ACADEMIC BONUS

 Cash Value Projection  for another 30 years.

•  X  assumes 2.00% weighted gross growth in the PUA and IUA
•  Y  assumes 9.00% weighted gross growth in the PUA and IUA for the first 20 years, while 6.00% beyond 20th year.
• During 30th year, Cash Value for Y ~ RM 89, 842
• The amount of cash value  will not be affected by claims that had been made, could assume it is a long term saving.
• Up to end of 2014, the average 5 years return for Dana Ekuiti that being invested ~ 15%. Far above Y% projections, 9%.
  Expecting the cash value will be higher.