Hari tu aku ade dpt message nie from one of my blog reader!
nur said...
salam neena, i've been your silent reader dah lama jugak.. tak pernah tinggal jejak pun.. this is my first time commenting here.. i've noticed yang you and hubby selalu pegi private hospitals bila ada health issues.. were you using the medical benefit from your company or using medical insurance.. tau-tau je la kat Malaysia ni employee's welfare sgtla tidak di amik peduli.. unless you're working with one of the MNCs.. so pandai-pandai sendiri la bab2 health and medical ni.. if you're not under any kind of insurance nak jejak pintu lobby private hospital tu pun tak berani.. sbb people's perception dgn private hospitals ni ialah..it's expensive.. with all kinds of virus yg ada skrg ni i'm thinking of getting a medical insurance.. and dgn AA yang tak abih2 dgn promotions nya now anyone can fly la sgt kan.. takut nanti balik from oversea terbawak "souvenir" from other countries pulak.. tak ke scary tu.. so if you're using any sort of medical insurance maybe you could perhaps write a post about it sometime.. banyak sangat insurance skrg ni sampai tak tau nak percaya yang mana satu.. if you ask the agent..wah..semuanya boleh.. so recommendation and suggestion from someone who actually has the experience is more reliable.. salam perkenalan..
Kak Nur
Salam Kak Nur.... first of all thanks for being my blog reader... and salam perkenalan to you as well... Ok.. about the medical benefit.. Me & hubby memang gunakan medical benefits from our company... but in spite of ade company benefits nie.. my hubby still amik our own insurance coverage for critical illness under Takaful Etiqa... so far kiteorg tak penah lagi lah buat any redemption with this insurance company.. so tak tahu how's the outcome... hopefully they are ok lah... To me.. it's very important for you to take insurance coverage kalau you're not covered by any medical benefits... as you said.. nowadays.. it's very2 dangerous! penyakit memang sangat2 mudah merabak....
I'm sorry Kak Nur coz tak dpt nak bagi you further details about your query... however maybe my other blog readers can help you here.. so to my all beloved readers yg ade guna any insurance coverage yg bagus2.. tolong suggestkan kat sini yer.... maybe we can help Kak Nur here... Thanks! ;)
salam buat neena & kak nur..
ReplyDeletettg insuran ni saya percaya semua org perlu ada insuran sendiri walaupun ada company cover sebab company hanya cover masa kita kerja dgn dia ja.bila dah tak kerja nanti semua kena bayar sendiri & bila nak beli insuran premium bulanan dikira based on umur.lagi awal kita start lagi murah kita punya premium.
saya guna great eastern..so far ok.dah pernah admit utk operation & insurance cover semua.
utk suami & anak2,mereka ambil prudential takaful.pru takaful lebih elok dari great eastern sebenarnya tapi saya malas dah nak tambah2.
pru takaful adalah berasaskan simpanan,pelaburan,perlindungan & utk anak2 termasuk education sekali.yg bagusnya bila kita admitted bukan saja insuran tu bayar semua bil tapi juga dapat claim tunai utk setiap hari yg kita duduk wad tu.keluar wad submit semua dokumen,dalam masa 2 minggu boleh dapat duit tu.
lg satu yg bestnya kalau kita disahkan hilang upaya kekal prudential akan bayar premium kita setiap bulan (auto saving).so insurans kita masih berjalan seperti biasa.benefit utk hilang upaya kekal mcm cash semua tu mmg akan dapat juga.
kalau parents ambil utk anak2,apa2 jadi kat parents yg bayar premium tu (ibu/bapa)anak2 juga akan dapat kemudahan auto saving ni sampai umurnya 25 tahun.bila cukup umur 25 tahun anak2 boleh sambung bayar premium mereka sendiri dgn jumlah yang sama setiap bulan.
duit2 yg kita bayar tiap2 bulan tu boleh ambil keluar bila2 masa kita nak guna (baki minimum saya tak pasti..either RM1000 @ 2000 sb ada perubahan baru2 ni rasanya).
kalau nak tahu lebih lanjut boleh emel saya nanti saya bg no telefon ejen tsbt.
maaf tak dpt tolong...coz aku pun pakai company benefit...tp personal insurance prudential..
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