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Earlier this year, I had a tragic accident happened to me. Basically it was this extremely uncooperative lamp post that just wouldn’t stay still and decided to meet my car squarely face to face. You can read about it here.

The outcome wasn’t pretty, but thank goodness nothing major came out if it. I walked away basically unscathed, but the car, even with theΒ  engine located at the back, suffered quite a hit, as you can witness from the photo below.

one should always take a photo for memory sake (suggested by the cop)

Well, since I bought insurance with full coverage for the car, I naturally did a claim and the car is fully fixed now. However, I did lose the NCB (no claim bonus). A decent discount that I had enjoy over the years being a very cautious and careful driver.

accidents happen, FOL

Just to show that accidents do happen and is something that we can’t avoid. This year alone Horng had a couple accidents, Kim’s car was hit once, Yee Hou had his car flipped avoiding a cat, and most recently, Joshua’s car was banged pretty badly by some another car. Even Tim too joined the club.

With car insurance, it works pretty straight forward. If you did not do a claim (not everyone above did), you get a discount for the following year. If you do, the NCB goes to zilch. That, to me, is pretty fair.

Which makes me wonder why no one had ever thought of this very same scheme for health insurance, until I heard about it during the Prudential Health Challenge I attended last weekend (will write about that soon).

PruHealth NCB

It is pretty straight forward, if you don’t claim in the first year, you get a bonus for the next. Which makes perfect sense to me, stay healthy, get rewarded.

Now that wasn’t rocket science. I think I’m going to get my agent to talk over about this plan when I see him again next. I do hold a Prudential health insurance policy. Check out PruHealth website for more.

Discuss : It’s about the NCB, duh!

  1. WAHHHHHH i’m experiencing the kyspeaks effect wtf but then again i wish that accident did not happen. No car for 1 month already now and long time more to come, quite mafan my case. Zzzzz !@^$%!@^%*^!%@*!#!@

  2. haha.. 1 month without a car like no legs to go anywhere… seriously damn “mafan”!! Well, I just got back my car from workshop today!!! YAY!!! πŸ˜›

  3. kimberlycun

    insurance this year about 800 after paying barely 400 for years. i want me ncb back wuwuwuwuwuw

  4. Tan Yee Hou

    @joshuaongys – Yours mafan arr? Mine man might gantung T____T

    Actually I’m using Prudential now, and I also did a claim heehe from the accident, personal not for the car.

  5. Insurance is something we don’t think about cause it’s for “grown-ups” but it’s actually freaking important yo. I think I’m one of the very few people who has claimed in total more than RM30k from mine already :X

    It’s not my fault my appendix ruptured, dammit!

  6. joshuaongys,
    Hahha very tragic!

    Yey best!

    Wahhh that’s a lot more, mine too!

    Tan Yee Hou,
    oOOo that’s good. πŸ˜‰

    Oh well, the benefactor! πŸ˜€

  7. by giving the discount for the following year, something must be taken out back, right?

  8. i dowan to join ur gang pls oh god prease

  9. It’s good to get covered.

  10. What is this NCB you speak of? I get into a couple of accidents every year. πŸ˜‰

  11. NCB = Money damnit.

  12. calvaryzone,
    Just like how the car insurance works, what’s taken out or not? I have no idea. πŸ˜€

    HAhahaha come come come πŸ˜›

    Simon Seow,

    Huai Bin,
    HAhahah tragedy!

    HAHAH oh well!

  13. I lurve how you managed to put a big smile in the event of accident, just like the first picture.. hahaha!! most people would have frowned already… thinking about the loss of transportation mean to work or study, not to mention the hussle of going to police station, the harassment of those so-called people who could do everything for you (it’s amazing on how they manage to appear from nowhere in such a short time)…
    yeah I have heard about PruHealth… think that i have to talk to my insurance agent soon too!!!

  14. I will take that 4SGTE off your hands for RM500 now.

  15. Leo,
    Hahaha well the damage’s already done, frowning won’t make a difference. πŸ˜‰

    Hahaha it’s all fixed and running fine now!

  16. Heard about Death Panels? Good luck convincing the insurer’s Panel to choose life (and not death, Re: God’s cocktail) when dealing with your case!

  17. My god, that many accidents? Thank god all are well πŸ™‚ Since when did you became an insurance agent huh? hehehe

  18. Suertes,
    hehehe, are you a fan of Palin?!

    Yah, scary. Hahah I only write advertorial, not an agent πŸ˜›

  19. Nah, she claims that the government will introduce those. She does not want to admit they are already out there..

  20. Suertes,
    Oh well, I guess it happens. πŸ™‚

  21. good thing ur fine! shame bout the NCB:(

  22. cumidanciki,
    Yahh πŸ™‚

  23. I don’t think I’ve ever had NCB LOL.

  24. ShaolinTiger,
    They’re exploiting your mat sallehness! LOL

  25. […] new PruHealth plans. Staying healthier then actually carries a very measurable advantage with their NCB clause – $$ for being […]

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