{"id":48428,"date":"2021-07-05T14:56:02","date_gmt":"2021-07-05T06:56:02","guid":{"rendered":"http:\/\/wordpress-my-161844363.ap-southeast-1.elb.amazonaws.com\/articles\/?p=48428"},"modified":"2024-02-05T16:38:07","modified_gmt":"2024-02-05T08:38:07","slug":"prusimple-care-affordable-online-insurance","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/prusimple-care-affordable-online-insurance","title":{"rendered":"Gen Z: What Kind Of Insurance Do You Need?"},"content":{"rendered":"\n
Becoming an adult is exciting. Whether you are just starting your career, earning your first salary, or learning to live on your own, this stage of life also comes with responsibilities.<\/p>\n
You want choices but find it hard to stretch your budget to cover your daily needs as well as the responsibilities that come with being an adult like saving for emergencies, start investing and get insurance protection, all at the same time.<\/p>\n
According to a recent survey of young adults across Asia, majority of Generation Z (those born after 1997) are saving or know it is important to save for the future and they intend to invest their money. An increasing number of Malaysians are also entering the gig economy to help them achieve their financial goals while still allowing them more freedom and flexibility.<\/p>\n
If you have a part time or freelance job, it could mean less financial security because there is no steady income source. So, putting aside a large percentage of your monthly income towards an insurance policy that you need to commit for the long-term may not be possible right now, but you can still take steps to protect yourself.<\/p>\n
If you are a young working adult, what do you need? You probably can’t afford much while building your emergency savings and investment portfolio, but you still need to learn to be a responsible adult and protect yourself.<\/p>\n
To keep insurance premiums affordable, consider paying only for what you want to protect right now. These types of insurance products that offer small-scale coverage<\/a> are also known as bite-size insurance. They are perfect for young adults who have just graduated or just started working – the Generation Z of today.<\/p>\n What are the advantages of bite-size insurance?<\/p>\n Perhaps you are aware on the importance of insurance but find yourself unable to afford comprehensive solutions on the market. What can you do?<\/p>\n PRU<\/strong>Simple Care by Prudential<\/a> allows you to take control of protecting what is important to you with a range of bite-size insurance options.<\/p>\n If you are constantly out and about on the job or lead an active lifestyle that exposes you to higher risk of accidents, getting an accident insurance coverage should be on top of your protection needs.<\/p>\n It covers death benefit, total and permanent disability benefit (TPD) and death due to accident benefit (additional).<\/p>\n Just starting out in your career and living on your own? Protecting your personal safety should be on top of your list.<\/p>\n Get covered for hospitalisation due to snatch theft injury with daily room and board benefit, daily intensive care unit (ICU) benefit and death benefit.<\/p>\n As an adult, having basic coverage against specific health conditions can give you peace of mind until you can get more extensive coverage.<\/p>\n With this package, you can protect yourself against a diagnosis of cancer, stroke, heart attack or serious coronary artery disease, and death benefit.<\/p>\n Heart disease is still the top cause of death<\/a> in Malaysia in 2020. Having basic medical protection against this disease means you can choose to go to a private clinic or hospital and get faster treatment while still being able to take care of yourself financially.<\/p>\n You can now immediately get coverage for a diagnosis of stroke, heart attack or serious coronary artery disease, daily intensive care unit (ICU) benefit and death benefit.<\/p>\n When you are just starting out in your career, plans change, and your insurance coverage should be short term and affordable. The last thing you want is to commit to a long-term policy that puts you at a disadvantage if you change your mind further down the road.<\/p>\n With PRU<\/strong>Simple Care, you can also pick a plan that fits your lifestyle, and select the lite, mid, or advance plan that you need.<\/p>\n\n\n
<\/span>Start taking care of yourself with PRUSimple Care<\/span><\/h2>\n
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<\/span>Accident Package*<\/span><\/h3>\n<\/li>\n<\/ol>\n
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<\/span>Snatch Theft Injury Package*<\/span><\/h3>\n<\/li>\n<\/ol>\n
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<\/span>Top Critical Illness Package*<\/span><\/h3>\n<\/li>\n<\/ol>\n
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<\/span>Heart Health Package*<\/span><\/h3>\n<\/li>\n<\/ol>\n
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*Cost of annual premium will be based on age only.<\/em>
\nEligible application age:19 to 55 years old (next birthday).<\/em>
\nTerms and conditions apply.<\/em><\/h6>\n