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  #441  
Old 18-03-2017, 06:00 PM
im755 im755 is online now
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Originally Posted by im755 View Post
setiap tahun bil hospital akan naik 15% setahun....
jadi waspada... kalau x ada medical card jangan la pergi ker hospital swasta....mau kena sakit jantung...
Balu yang berasa bimbang akan kebajikan anak-anaknya



“Suami saya telah meninggal dunia dalam satu kemalangan tiga tahun yang
lalu ketika berumur awal empat puluhan. Kami mempunyai tiga orang anak
yang masih bersekolah.”

“Kami bersyukur kerana mendiang suami saya mempunyai polisi insurans
hayat. Wang yang diperolehi daripada polisi tersebut telah digunakan
untuk melangsaikan pinjaman rumah.”

“Walaupun begitu, saya masih terpaksa mencari pekerjaan untuk menyara
hidup kami sekeluarga. Oleh itu, saya juga telah membeli polisi insurans
hayat untuk melindungi saya jika berlaku kemalangan, kecacatan dan juga
kematian ke atas diri saya. Sebagai ibu, saya bertanggungjawab membuat
perancangan untuk anak-anak saya.”
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  #442  
Old 18-03-2017, 08:41 PM
im755 im755 is online now
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Walaupun ramai yg promote tak perlu deposit.
Tapi betul ker???
Sebenarnya bergantung kepada hospital.
Takaful company tidak ada kuasa dlm hal ini.

Jome saya share info yg jujur lagi benar tulus dan trasperance.

Deposit yg hospital minta masa nak register masuk wad adalah bergantung sepenuhnya kpd pihak pengurusan sesebuah hospital.

Jumlah deposit juga berbeza-beza mengikut hospital, jangkaan tempoh perlu berada di wad dan juga jangkaan kos/bentuk rawatan sepanjang berada di hospital.

Kenapa ini berlaku???

Sebab apabila seseorang pesakit tu masuk ke wad, terdapat kemudahan2 yg ditawarkan oleh pihak hospital yg tiada kena-mengena dgn rawatan.

Contohnya, hiburan (TV satelit, wifi, majalah, surat khabar), welcome pack (sesetengah hospital x beri percuma), makanan/minuman dlm peti sejuk, barang harian (ubat gigi, berus gigi, shampoo, tisu), supplements (vitamin, protein, glucosamine), dokumentasi hospital dan sebagainya.

Item2 yg TIADA kaitan dgn rawatan ini tak ditanggung oleh pihak takaful/insurans. Jd, pihak hospital mintak deposit awal-awal sbg syarat bagi mana2 pesakit yg nak masuk wad di hospital mereka.

Ini utk mengelakkan sebarang kemungkinan berlakunya insiden pesakit lari dan tak bayar bahagian item2 yg tiada kaitan dgn rawatan mereka itu yg mana tak akan ditanggung oleh MANA-MANA kad perubatan. Deposit itu sbg sekuriti utk hospital.

Apabila pesakit discharged, hospital akan pulangkan semula lebihan deposit selepas ditolak harga item2 yg saya sebut tadi. Manakala bahagian harga rawatan akan ditolak dpd kad perubatan pesakit.

Jadi, saya harap jika ada di antara kita yg tertanya-tanya ttg perkara ini, dapatlah pencerahan ini merungkai salahfaham tersebut.
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  #443  
Old 19-03-2017, 06:18 AM
im755 im755 is online now
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Tips kalian yg br nak subscribe plan Takaful yg ada medical card, saya sarankan kalian buat perbandingan dahulu dengan beberapa takaful operator yg sediakan plan tersebut.

Antara yg kalian perlu titik beratkan ialah :

1) Had Tahunan - had tahunan Zurich bermula dgn RM100,000 setahun
2) Had Seumur Hidup - Zurich Tiada had seumur hidup
3) Check sama ada ada Ko Takaful dan Co Payment atau tidak - Zurich tiada co utk kedua dua
4) Check berapa hari setahun coverage diberikan - Zurich 200 hari setahun
5) Adakah ada had utk rawatan dialisis/rawatan kanser ditetapkan setiap tahun? - Zurich tiada had
6) Check juga sebarang NCD yg ditawarkan - Zurich offer NCD utk Standalone & Riders plan
7) Standalone atau riders - Kelebihan medical as riders boleh attach waiver dlm plan basic yg mana sekiranya anda disahkan salah satu dr 36 penyakit kritikal, caruman dah jadi FREE dan medical card tadi x perlu dibayar lagi.

Sesiapa yg sudah ada plan sedia ada boleh semak dan pastikan plan anda tiada had seumur hidup dan benar2 dapat bantu anda saat anda diuji dengan Musibah kewangan disebabkan sakit.

Kalian perlu buka website setiap takaful pilihan dan dapatkan brochure lengkap seperti yg saya paparkan ini. Jangan mudah percaya kata kata agen dan terus membuat keputusan, sebab banyak kes client x benar benar faham apa yg mereka subscribe. Ambil iktibar dr kes kes terdahulu agar anda dapat yg terbaik.

Moga kalian manfaatkan Tips ini.

We do what is right����
Wazup saya untuk maklumat lanjut
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  #444  
Old 19-03-2017, 12:13 PM
im755 im755 is online now
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Quote:
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[URL=http://s664.photobucket.com/user/ezzri/media/9019D07E-2E44-459B-B6E4-CAAAAEB8A94F_zps3u2vok7h.jpg.html][/URL

Koz rawatan makin tinggi adakah anda sudah bersedia
Pernah dengar medical card khas untuk doctor pakar bedah, artis, ceo, general manager, tokei dimana boleh cover sampai
Rm500ribu setahun dgn premium yg rendah?????


Medical card VVIP ini hanya terdapat di zurich takaful
Rm500 ribu setiap tahun
Unlimited
Tiada co takaful
Tiada co payment
Bilik warded sehari RM1000. (Boleh dpt bilik executive vvip suite executive dgn nilai RM1000 sehari)
Thn pertama bayaran premium RM270 jer sebulan
Thn kedua bayaran premium cuma RM216 sahaja sebab ada NCD 20%

Kepada tuan vvip boleh wazup saya untuk maklumat lanjut
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  #445  
Old 19-03-2017, 02:01 PM
im755 im755 is online now
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Medical card VVIP ini hanya terdapat di zurich takaful
Rm500 ribu setiap tahun
Unlimited
Tiada co takaful
Tiada co payment
Bilik warded sehari RM1000. (Boleh dpt bilik executive vvip suite executive dgn nilai RM1000 sehari)
Thn pertama bayaran premium RM270 jer sebulan
Thn kedua bayaran premium cuma RM216 sahaja sebab ada NCD 20%

Kepada tuan vvip boleh wazup saya untuk maklumat lanjut
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  #446  
Old 19-03-2017, 10:56 PM
im755 im755 is online now
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Medical card zurich takaful rm112 sebulan
1. Rm200 ribu setahun
2. Bilik warded sehari rm300. (Boleh dpt blik executive dgn nilai 300 sehari bergantung kepada hospital)
3. Unlimited
4. Tiada co takaful
5. Tiada co payment
6. Ada NCD 20%
7. Rm100 elaun hospital kerajaan
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  #447  
Old 20-03-2017, 07:48 AM
im755 im755 is online now
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Pastikan anda mempunyai sama protection dgn kenderaan ada.

Wazup saya untuk maklumat lanjut
Medical card zurich takaful rm112 sebulan
1. Rm200 ribu setahun
2. Bilik warded sehari rm300. (Boleh dpt blik executive dgn nilai 300 sehari bergantung kepada hospital)
3. Unlimited
4. Tiada co takaful
5. Tiada co payment
6. Ada NCD 20%
7. Rm100 elaun hospital kerajaan
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  #448  
Old 20-03-2017, 11:16 PM
im755 im755 is online now
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Wazup saya untuk maklumat lanjut

Untuk plan life, hibah,warisan, income replacment tiada medical cek up sehingga 24 april. Jgn lepaskan peluangan keemasan ini
💖Medical card sahaja
1. RM112 sebulan thn pertaman
2. RM90 sebulan thn kedua (sebab NCD20%)
3. Unlimited
4. RM200Ribu setahun
5. RM300 bilik sehari (boleh dpt bilik executive depand on hospital rate)
6. Tiada co takaful
7. Tiada co payment
8. RM100 elaun harian jika waded dihospital gov

💝Takaful hibah warisan (bergantung pada unur)
1. RM150 sebulan tetap
2. Manfaat kematian RM200Ribu meningkat setiap tahun
3. Manfaat hilang upaya RM200Ribu meningkat setiap tahun
4. Caruman Dikecualikan jika disahkan penyakit critical

Wazup saya untuk maklumat lanjut
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  #449  
Old 21-03-2017, 09:24 AM
im755 im755 is online now
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💖Medical card sahaja
1. RM112 sebulan thn pertaman
2. RM90 sebulan thn kedua (sebab NCD20%)
3. Unlimited
4. RM200Ribu setahun
5. RM300 bilik sehari (boleh dpt bilik executive depand on hospital rate)
6. Tiada co takaful
7. Tiada co payment
8. RM100 elaun harian jika waded dihospital goV

Wazup saya utk maklumat lanjut
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  #450  
Old 21-03-2017, 01:10 PM
johore johore is offline
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MAA Zurich takaful ni medcard tu xde with saving ke? ILP..
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