Produk Produk PT Prudential Life Assurance

Posted on September 4, 2010 by

Dengan memahami kebutuhan kebutuhan unik para nasabah, Prudential Indonesia selalu menciptakan inovasi baru dan menawarkan produk produk yang sesuai untuk nasabah. Prudential Indonesia menawarkan produk produk asuransi jiwa dan investasi yang lengkap guna memenuhi kebutuhan para nasabah. Prudential Indonesia juga akan terus mengembangkan produk produk yang sesuai dengan perubahan gaya hidup dan tujuan financial nasabah.

Produk Produk Unit Link

Prulink assurance account (PAA)

PruLink investor account (PIA)

Prulink fixed pay (PFP)

Prusyariah

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USAHA MANDIRI TANPA MODAL

Posted on September 4, 2010 by

Tahukah anda USAHA MANDIRI TANPA MODAL?

Apabila anda susah mendapat pekerjaan ataupun karir anda sudah tidak bisa meningkat lagi, bosan dengan pekerjaan yang ada mungkin ini sudah saat nya untuk anda berusaha mandiri tanpa MODAL.

Untuk lebih jelasnya anda dapat meninggalkan pesan untuk nanti kami hubungin.
SALAM SUKSES

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Prudential Indonesia

Posted on August 6, 2010 by

Prudential Indonesia didirikan pada tahun 1995. Merupakan bagian dari Prudential plc, London, Inggris dan di Asia Prudential Indonesia menginduk pada kantor regional Prudential Corporation Asia ( PCA ) yang berkedudukan di Hongkong, Dengan menggabungkan pengalaman international Prudential di bidang asuransi jiwa dengan pengetahuan tatacara bisnis lokal, Prudential Indonesia memiliki komitment untuk terus mengembangkan bisnisnya di Indonesia.

Prudential Indonesia telah menjadi pemimpin pasar dalam penjualan produk asuransi jiwa yang dikaitkan dengan investasi ( unit link ) sejak pertama kali diluncurkan produk ini di tahun 1999. Sebagai pemimpin pasar, Prudential Indonesia selalu berusaha untuk menyediakan produk unit link yang dirancang untuk memenuhi dan melengkapi kebutuhan nasabahnya, dalam setiap tahap kehidupan, mulai dari kelahiran anak, pendidikan anak, usia kerja, pernikahan hingga masa pensiun. Yang sering juga dikatakan sebagai SIKLUS KEHIDUPAN MANUSIA.

Berkat kepercayaan dan dukungan yang telah diberikan oleh para nasabah, serta kuatnya komitment untuk terus mengembangkan bisnis di Indonesia, di tahun 2007, Prudential Indonesia menerima penghargaan sebagai “LIFETIME ACHIEVEMENT AWARD FOR BEST LIFE INSURANCE COMPANY” dari majalah Investor. Penghargaan ini diberikan karena Prudential Indonesia telah berturut turut sejak tahun 2003 hingga tahun 2007 memperoleh penghargaan “BEST LIFE INSURANCE COMPANY” dari majalah Investor.

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Indonesia Prudential Indonesia sudah memiliki 7 kantor pemasaran, yaitu diJakarta, Bandung, Semarang, Surabaya, Denpasar, Batam, dan Medan, dan 110 kantor keagenan termasuk di Jogyakarta dan Batam. Serta didukung oleh lebih 40.000 jaringan tenaga pemasaran Prudential Indonesia dan melayani lebih dari 720 ribu nasabah. ( berdasarkan data per 31 Desember 2008 )

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ASURANSI TANPA PERLU BAYAR PREMI

Posted on August 3, 2010 by

Tahukah anda sebetulnya anda dapat mengasuransikan diri anda tanpa perlu mengeluarkan dana secara langsung untuk membayar premi ingin tahu caranya?. Silahkan tinggalkan alamat email anda dan no tel anda untuk kami hubungin!

Salam

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SUMBER PENGHASILAN

Posted on July 6, 2010 by

Apakah anda ingin mendapatkan penghasilan yang layak untuk anda?  Tahukah anda disini tempatnya untuk anda mendapatkannya.

Hubungin kami disini kami akan menjelaskan kepada anda bagaimana anda dapat mendapatkan penghasilan bersama kami.

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Critical Illnesses

Posted on November 13, 2009 by
Critical Illnesses
We can always hope that we remain healthy for the rest of our lives. However, our health condition is one of the uncertainties that we have to face in life. And should we be stricken with a serious illness, the financial impact on our family’s lives would be dire. 34 critical illnesses covered in by PRUcrisis cover and PRUcrisis cover plus are:

  1. Heart attack: the death of a portion of a heart muscle as a result of inadequate blood supply to the relevant area as evidenced by an episode of typical chest pain, new electrocardiographic changes and by elevation of cardiac enzymes.
  2. Surgery of the coronary artery: surgery of the heart as an attempt to correct blocking or narrowing/tightening of one or more coronary artery/ies by means of bypass grafts.
  3. Stroke: cerebrovascular accident resulting in damage lasting for more than 24 hours; and including infarction of the brain, hemorrhage or embolism caused by extra-cranial origins; and subject to evidence of permanent neurologist deficit.
  4. Cancer: malignant tumor characterized by uncontrolled growth of cells and the spread of malignant cell to/affecting other body tissues. This includes the medically uncontrollable development of diseases such as leukaemia and Hodgkins disease.
  5. Kidney failure: terminal kidney failure resulting in systematic peritoneal dialisis or haemodialisis or transplantation of kidney of the person insured.
  6. Transplantation of major organs: the person insured is a recipient of a previously conducted transplantation of major organs such as: heart, lungs, liver, pancreas or bone marrow; or the recipient is registered in a waiting list as a future recipient in the jurisdiction of the Republic of Indonesia.
  7. Heart valve surgery: open-heart surgery as an attempt to correct or replace abnormal function of heart valve.
  8. Loss of ability to speak: total and permanent loss of the ability to speak.
  9. Burns: third degree burns on minimally 20% of body surface.
  10. Coma: coma resulting in inability to react to external or internal stimulation lasting for minimum 96 hours.
  11. Surgery of aorta: surgery performed as an attempt to correct deficit of aorta thoracalis or aorta abdominalis.
  12. Parkinson’s disease: Idiophatic Parkinson is a disease resulting from unknown causes that requires special care and assistance in the patient’s daily activities. Diagnose of this disease has to be made by a neurologist. If required, the company will appoint one or more physicians specializing in neurology to back-up/support this diagnose.
  13. Loss of hearing: untreatable total loss of hearing of both ears.
  14. Alzheimer’s disease: total paralyzation of the function of the brain resulting in mental deterioration and requiring continuous surveillance/care. A diagnose of this disease has to be made by a neurologist. If required, the company has the right to appoint one or more physicians specializing in neurology to back-up/support this diagnose.
  15. Benign tumor of the brain: a brain tumor, which does not show signs of malignance, does not attack or expand to other regions/parts of the body.
  16. Chronic disease of the lungs: the terminal stage of lung disease, which requires permanent use of oxygen.
  17. Motor neuron disease: a functional deterioration of the central nerve-system to control muscular activity/ies resulting in the weakening or deterioration of the muscles’ ability to move. Diagnosis has to be made by a neurologist. If required, the company is entitled to appoint other neurologists to support the diagnosis.
  18. Multiple Sclerosis: is the occurrence of more than one episode of permanent neurological deficits in the course of 6 months. A neurologist, based on the results of image scanning, should confirm diagnosis.
  19. Angioplasty and other invasive procedures for Coronary Heart Disease: the actual undergoing of balloon angioplasty, laser relief or other techniques to correct significant stenosis of at least 70% of two or more coronary arteries as considered medically necessary by a consultant cardiologist.
  20. Aplastic Anemia: irreversible bone marrow failure resulting in anaemia, neutropenia and thrombocytopenia. The diagnosis must be based on a bone marrow biopsy and blood count test.
  21. Bacterial Meningitis: is an inflammation of the membranes covering the brain or spinal cord caused by bacteria. The disease must result in permanent neurological deficit resulting in the total inability of the Life Assured to perform (whether aided or unaided) at least 3 of the following 6 Activities of Daily Living*) for a continuous period of at least 6 months.
  22. Colitis Ulcerative: Ulcerative Colitis shall mean acute Fulminant Ulcerative Colitis with life threatening electrolyte disturbances usually associated with intestinal distention and a risk of intestinal rupture, involving the entire colon with severe bloody diarrhea. Diagnosis must be based on histopathological features and surgery in the form of colectomy and ileostomy should form part of the treatment.
  23. Disabling Primary Pulmonary Hypertension: is the pathological increase of pulmonary pressure due to structural, functional or circulatory disturbances of the lung leading to right ventricular enlargement.
  24. Encephalitis: is an inflammation of the brain (cerebral hemisphere, brainstem or cerebellum). The disease must result in significant complications lasting at least 6 weeks, which include permanent neurological deficit. The neurological deficit must result in the total inability of the Life Assured to perform (whether aided or unaided) at least 3 of the following 6 Activities of Daily Living *) for a continuous period of at least 6 months.
  25. Fulminant Viral Hepatitis: a submassive to massive necrosis of the liver by a Hepatitis virus, leading precipitously to liver failure.
  26. Chronic Liver Disease: end stage liver failure with increasing jaundice that in general medical opinion will not improve in future and resulting in either ascites or encephalopathy.
  27. Chron’s Disease: is marked by chronic inflammation of the colon. Crohn’s disease will wax and wane in severity. Many patients develop diarrhea as well as abdominal pain and weight loss. Crohn’s Disease is a chronic granulomatous inflammatory disease. The disease must result in fistula formation, or intestinal obstruction or intestinal perforation. The characteristic histopathological features must confirm diagnosis.
  28. HIV from Blood Transfusion: the Life Insured being infected by Human Immunodeficiency Virus provided that:
    • the infection is due to a blood transfusion received after the Risk Commencement Date and
    • the source of the infection is established to be from the Institution that provided the blood transfusion and the Institution is able to trace the origin of the HIV tainted blood and
    • the infected Life Insured is not a haemophiliac.
  29. Serious Head Trauma: accidental head injury caused by an external physical force resulting in neurological deficit causing the total inability of the Life Assured to perform (whether aided or unaided) at least 3 of the following 6 “Activities of Daily Living*)” for a continuous period of at least 6 months.
  30. Muscular Dystrophy: are a group of degenerative myopathies caused by genetic disorder and characterised by weakness and atrophy of muscle without involvement of the nervous system. Claims shall only be admitted if Muscular Dystrophy causes disability resulting in the total inability of the Life Assured to perform (whether aided or unaided) at least 3 of the following 6 “Activities of Daily Living*)” for a continuous period of at least 6 months.
  31. Serious Coronary Artery Disease: the narrowing of the lumen of at least one coronary artery by a minimum of 75% and of two others by a minimum of 60%, as proven by coronary arteriography, regardless of whether or not any form of coronary artery surgery has been performed. Coronary arteries herein refer to left main stem, left anterior descending, circumflex and right coronary artery.
  32. Paralysis: means the permanent and total loss of function of two or more limbs as a result of injury to, or disease of the spinal cord. Limb is defined as the complete arm or the complete leg.
  33. Poliomyelitis: unequivocal diagnosis of infection with the polio virus leading to paralytic disease as evidenced by impaired motor function or respiratory weakness and resulting in the total inability of the Life Assured to perform (whether aided or unaided) at least 3 of the following 6 “Activities of Daily Living*)” for a continuous period of at least 6 months.
  34. Systemic Lupus Erythematosus: a multisystem, multifactorial, autoimmune disorder which mostly affects females in their childbearing years and is characterised by the development of auto-antibodies directed against various self-antigens. In respect of this contract, systematic lupus erythematosus will be restricted to those forms of systematic lupus erythematosus which involve the kidneys (Type III to Type V Lupus nephritis, established by renal biopsy, and in accordance with the WHO classification). The final diagnosis may have to be supported by a certified doctor specialising in Rheumatology and Immunology.

*) Activities of Daily Living:

  1. Washing: the ability to wash in the bath or shower or wash satisfactorily by other means;
  2. Dressing: the ability to put on, take off, secure and unfasten all garments and, as appropriate, any braces, artificial limbs or other surgical appliances;
  3. Transferring: the ability to move from a bed to an upright chair or wheelchair and vice versa;
  4. Mobility: the ability to move indoors from room to room on level surfaces;
  5. Toileting: the ability to use the lavatory or otherwise manage bowel and bladder functions so as to maintain a satisfactory level of personal hygiene;
  6. Feeding: the ability to feed oneself once food has been prepared and made available.
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Riders

Posted on November 12, 2009 by

Riders

PRUterm
PRUterm offers additional protection to help you increase the amount of the sum assured. PRUterm will pay you 100% of the sum assured should a calamity befall you.

PRUmortgage
PRUmortgage will boost your protection by assisting you in outlining a finance scheme for a pre-determined period of time. It will take care of your loans in the event that the unforeseen should happen to you by providing 100% of the sum assured.

PRUwaiver
PRUwaiver will help you continue to pay your premiums (both basic and optional products) should you be diagnosed with one of 34 critical illnesses.

PRUincome
PRUincome is an optional life insurance product to protect your income and at the same time providing protection for your children. You will receive a lump sum that will be paid in 4 installments every 3 months until the end of the insurance period in the event of death or total and permanent disability before the age of 60 years or if you are diagnosed with one of 34 critical illnesses.

PRUpersonal accident death
PRUpersonal accident death is an optional life insurance feature that provides 100% of sum assured in the event of sudden and unintentional death by accident. 2 times of the sum assured will be paid to the person insured in the event of death caused by accidents in public transportation, a burning public building and an elevator.

PRUpersonal accident death & disablement
PRUpersonal accident death & disablement is an optional life insurance feature that provides 100% of the sum assured in the event of death by accident. You will be paid a pre-determined percentage of the sum assured should you be rendered totally and permanently disabled in an accident. In the event of an accidental fatality in public transportation, an elevator or a burning public building, you will receive 2 times of the sum assured amount.

PRUdisability provider
PRUdisability provider provider is a feature you can add to your basic plan for a more comprehensive coverage of total permanent disability. PRUdisability provider will provide coverage until the age of 65 years in the event of total and permanent disability. Another benefit is a yearly lump sum payment of 10% of the sum assured starting from the 3rd year of disability until the age of 65, in the event that total and permanent disability occurs before the age of 50.

PRUspouse waiver
PRUspouse waiver is optional life insurance product which will help you continue to pay premium of your basic product, PRUcrisis cover and PRUcrisis cover plus to ease the burdens of family expenditures in the event that your spouse is diagnosed with one of 34 critical illnesses or is totally and permanently disabled before the age of 60 or dies during the period of insurance. PRUspouse waiver is also available for PRUlink assurance account where it waives not only the PRUlink assurance account premium which automatically also waives premiums of all optional products in the event that your spouse is diagnosed with one of 34 critical illnesses or is totally and permanently disabled before the age of 60 or dies during the period of insurance.

PRUspouse payor
The same as PRUspouse waiver, PRUspouse payor will waive PRUlink assurance account premium including PRUsaver in the event of death of your spouse or if your spouse is diagnosed with one of 34 critical illnesses or be rendered totally and permanently disabled before the age of 60 years in the 1st 10 years of your PRUspouse payor period. This optional product is available for PRUlink assurance account only.

PRUpayor
PRUpayor will make sure that you do not have to worry about paying your PRUlink assurance account and PRUsaver premiums should you be diagnosed with one of the 34 critical illnesses in the 1st 10 years of your PRUpayor program until you reach the age of 65 years. You will be freed from these responsibilities and PT Prudential Life Assurance will take over. This optional product is available for PRUlink assurance account only.

PRUmed
PRUmed is a hospitalization plan designed to help you and your family to cover hospitalization expenses. Should you ever be hospitalized you are entitled to a daily cash payment to cover for medication, doctors, administration charges, etc. A double daily cash payment will be made available to you if you are treated in an intensive care unit. If you have to undergo minor, intermediate, major or complex surgery a cash payment will be provided accordingly. In the event of hospitalization overseas as a result of an overseas accident you will receive a doubled daily cash payment.

PRUparent payor
PRUparent payor is a program which will make it possible for PT Prudential Life Assurance to take over the responsibilities from parents to continue payment of PRUlink assurance account and PRUsaver premiums until the child insured reaches certain age should either one of the parents be diagnosed with one of 34 critical illnesses or be totally and permanently disabled before they reach 60 years of age or dies during the period of insurance.

PRUcrisis cover
PRUcrisis cover will give you 100% of the PRUcrisis cover sum assured in the unfortunate event when you are diagnosed with one of 34 critical illnesses.

PRUcrisis cover plus
PRUcrisis cover plus is designed for those of you who want to have more benefits besides coverage in the event of a critical illness. Thus, it will pay you 100% of the sum assured in the event of death, besides a lump sum of 100% of PRUcrisis cover plus sum assured should you be diagnosed with one of 34 critical illnesses.

PRUcrisis income
PRUcrisis income gives the critical condition benefit to its insured by paying annual income in the monthly-basis until certain age period.

PRUmultiple crisis cover
PRUmultiple crisis cover covers up to 3 critical condition claims plus 1 added claim for Angioplasty and other invasive treatments for coronary heart disease.

PRUhospital & surgical
PRUhospital & surgical will give the insured reimbursement for inpatient, ICU and surgical fees according to specific benefit plan taken, while the insured being treated in hospital.

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PRUmajor medical

Posted on November 11, 2009 by

PRUmajor medical
PRUmajor medical is designed to cover the needs for upper-middle income household of a comprehensive 24-hour worldwide health insurance protection that are not covered by the current product range in the market. With its 24 hours a day, 7 days a week and 365 days a year of worldwide protection, PRUmajor medical gives you a comprehensive medical assistance before you undergo your hospitalization. As a major medical insurance protection, PRUmajor medical covers sudden and significant medical expenses due to illnesses or accident. This product will cover your medical expenses in US Dollar from pre to post hospitalization in Indonesia and overseas, such as Singapore and Malaysia*). And if your medical condition necessitate you to have an overseas treatment, PRUmajor medical will cover your medical expenses based on Singapore’s standard hospital charges or actual expenses, whichever is lower. Right now, PRUmajor medical is offered only to the existing Prudential’s policy holders.

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PRUprotector plan

Posted on November 10, 2009 by

PRUprotector plan
PRUprotector plan is designed to ensure you and your family is secured financially together from unexpected conditions that could happen any time in your life. It will not limit to that. As a combination of life insurance program and savings, PRUprotector plan will always ready to provide fresh fund for you and the family in case needed since the value of your savings will continue to increase along your joining. The most interesting thing of this program is the payment term. You only need to pay premium for 10 years while the life protection will continue on until the next 10 years.

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PRUaccident plus

Posted on November 9, 2009 by

PRUaccident plus
PRUaccident plus offers you the simplest way to join an accidental insurance without the obligation to firstly buy another life insurance program. Now, with PRUaccident plus you have the freedom to only buy accidental insurance. As such, this will help you to minimize amount of premium that you have to pay. Surely, by having this insurance you will get a comprehensive coverage on accident that may cause you to suffer disability or even die. Indeed, the program gives you the benefit to get sum assured bonus in the first three year of your joining and yearly automatically policy renewal.

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