Top 10 Malaysia Woman Cancer-Breast Cancer

-Breast Cancer Become No. 1Malaysia Woman Killer

"Few days ago, my mum's friend-Auntie Lucy go for the body check up, she looks very healthy and quite happy all the time. However after examination of body check up, the doctor tell her she only left 3-6 months probably to live due to breast cancer last stage. After 2 days of check up, she passed away due to breast cancer as already affect her liver and lungs. I learned that the life is unpredicted even the doctor will predict the wrong things.."

The No.1 cancer deaths among women in Malaysia is breast cancer. Breast cancer was the commonest overall cancer as well as the commonest cancer in women amongst all races from the age of 20 years in Malaysia for 2003 to 2005. This cancer is caused by an uncontrolled growth of cells within the breast tissue. If not detected and treated promptly, breast cancer can metastasise, spreading to the lymph glands and other parts of the body, including lungs, bones and liver. This is the most common gynaecological malignancy, and the second most prevalent cause of deaths among female cancer patients in Malaysia. With the number of cases diagnosed increasing over the years, the importance of early detection and treatment is becoming more apparent.

Cancer treatment in general is becoming very expensive. Doctors will have to make informed and ethical recommendations based on best available evidence to patients. Sometimes new treatments are very expensive yet the expected gains may be only slight or modest at best. Thus, Treatment of breast cancer can vary depending on the individual’s ability to pay and whether their insurance covers the cost of treatment.

In the private setting, surgery, chemotherapy (using standard chemotherapy drugs) and radiotherapy (if required) will cost at least RM20,000 to RM30,000.

Prulady Insurance has covered on the related female cancer medical cost, and also got their female benefit bonus and life coverage when they really need money for covered woman illness. our agent  has 8 year experience in selling prulady and related insurance, welcome to leave the comment and if want info, can contact through our email marcus98514@gmail.com. We will reply you in 3 days times.

女性选择保险的6大误区

 针对目前许多女性在选择保险时存在的一些误区，在这里给广大女性提醒：

忽略个人的支点作用

对于很多已经有了小家庭的女士来说，她们的生活重心基本都放在孩子和丈夫身上。所以，在咨询保险营销员时，更多的是关注要给孩子买什么保险，给丈夫买什么保险。但是，女性不仅要在工作中独当一面，还要在家庭生活中承担着一定的责任，压力之大，可想而知。一旦女性发生什么不幸，同样会对家庭生活带来经济上的影响。所以，扮演着不同角色的女性朋友要首先关爱自己，为自己的健康做好保障规划。

保险选择不平衡

有些女性在选择保险品种时考虑不够周全，没有参看自己原先的保险和社保，造成选择保险品种的不平衡，该照顾的没考虑到，已经照顾到的又重复考虑。所以，在选择保险品种时，女性应该先详细看一下自己的社保和原来的保单，看看有哪些方面没涉及到，做一个综合平衡。

药不对口

在投保健康险时，很多女性不考虑家庭成员的健康状况，忽略对自己直系亲属易发、高发疾病的注意，而把全部注意力放在患病几率很小的疾病上，这样做有可能得不偿失。对一些无遗传，身体状况比较好的女性而言，不用对所有疾病都考虑的面面俱到，而是应该适当调节保额，把养老金准备充分；对有可能罹患遗传病的女性，就应该选择适合自己的重疾，并选择可以分红转换的健康保险。

顾左不顾右

选择保险时，一些女性并不考虑自己的经济和财务状况，一味选择周期很长的保险产品，而不顾及自己将来的经济、财务情况可能会有变化。在选择保险时，应该对自己的未来5年有个清醒的把握。在险种的缴纳方式上，针对一些重大疾病，最好缴费期定在20年；而对于理财类的保险，则可以把缴费期设定得短一点。

为美容整形手术保险

有很多爱美的女性希望能通过整形来改变容貌，为了防止整形手术时有可能出现的意外，她们希望先买份保险，万一出事可以获得理赔。但是，在一般的人身保险中（特约保险除外），整形手术的风险保险公司不承担责任。因为保险公司承保的意外风险是完全未知的、无法预料的，而整形手术的风险是能预料到的。另外，有些公司的女性保险中有关于整形手术费用报销的责任，这里的整形手术一般指发生意外后需要的整形而非美容整形手术，比如皮肤烧伤后需要进行植皮手术、鼻梁骨骨折后的手术等。

单一的理财方式

 女性与男性相比，较保守，心理承受力较弱。因此，在选择理财工具时也比较单一。大多数女性朋友都只是进行银行储蓄，不敢轻易地投资或购买保险。合理的理财是将风险分散，获取收益，将资金分开运用到不同的投资渠道，比如10%购买保险，15%银行储蓄，35%购买债券，40%购买股票。通过符合个人特点的理财规划获得安心的生活和预期的收益目标。

（转载自通讯网）

Woman Life Insurance- Predential Prulady Plan

Whether you’re a stay-at-home or working mom, the contributions you make to your family couldn’t easily be replaced if anything happened to you. That’s why life insurance should be part of your financial plan. Life insurance is even more important if you’re a single mother who is the major source of financial support for your children.

Women play special roles in life, thus Prudential also empathise with and understand the fact that women face uniquely female choices and health challenges. Our special PRUlady plans & cater specifically to the needs of women, and we dedicate our plans to the health and well-being of these very special people.

About PRUlady

PRUlady for example not only gives you financial protection against female cancers and other female-specific illnesses, but also addresses your post-diagnosis and recovery needs to help you get your life back on track.

For instance, not only will you receive 100% of your sum assured if you're diagnosed with breast cancer, but you'll receive an extra 30% sum assured to pay for breast reconstructive surgery.

And for mothers-to-be, there's PRUlady plus which provides protection against complications that can arise during pregnancy, as well as treatment for newborn congenital illnesses.

What do I get?
A rider to supplement to the PRUlink assurance plan, PRUlady provides protection for women of all ages by offering:

• Three levels of sum assured to choose from - RM50,000, RM100,000 or RM150,000 - depending on what you can afford and the extent of protection you require.

Coverage on: 

A)Female-related cancers (100% of your sum assured):

• Cancer of the Breast, or
• Cancer of Cervix Uteri, or
• Cancer of Fallopian Tubes, or
• Cancer of Ovary, or
• Cancer of Uterus, or
• Cancer of Vagina/Vulva

OR

Systemic Lupus Erythematosus with Lupus Nephritis 


B) Carcinoma-in-situ of Breast or Cervix Uteri (30% of your sum assured) :
Note: When subsequently diagnosed with female-related cancer or Systemic Lupus Erythematosus with Lupus Nephritis, we will pay the remaining 70% balance of your sum assured.


C) Any one of the following (30% of your sum assured) :

• Rheumatoid Arthritis with Complication, or
• Breast Reconstructive Surgery, or
• Facial Reconstructive Surgery due to accident, or
• Skin Grafting due to burns or skin cancer, or
• Osteoporotic Fracture

How much do I pay?
It's so affordable! Your premium depends on your age, the plan and the sum assured that you choose.

For example, if you are 18 years old and you have chosen a PRUlady plan with a sum assured of RM100,000, expiring at age 60, you will pay RM488 a year. If you are 30 years old, you will pay RM715 a year for the same plan. 

Your PRUlady premium will be added to the total annual premium of your PRUlink assurance plan.

Who can sign up?
This plan is available to ladies between 18 and 60 years old (or 50 years old if you choose to receive coverage only up till age 60).

You can choose to be covered up till age 60, 70 or 80.

You can email us for details on this plan and to obtain a free consultation on your insurance needs by this email zell3duck@gmail.com