Ada 3 polisi tapi tak boleh claim...?

[prudential]

Taken from policy

CANCER
Shall mean uncontrollable growth & spread of malignant cells and the invasion & destruction of normal tissue for which major interventionist treatment or surgery (excluding endoscopic procedures alone) is considered necessary. The cancer must be confirmed by histological evidence of malignancy.

The following conditions are excluded:
(a) Carcinoma in situ including of the cervix;
(b) Ductal Carcinoma in situ of the breast;
(c) Papillary Carcinoma of the bladder & Stage 1 Prostate Cancer;
(d) All skin cancers except malignant melanoma;
(e) Stage I Hodgkin's disease; and
(f) Tumors manifesting as complications of AIDS.

So not covered!

Critical illness only pay you when you already near death situation? The answer is NO



You got breast cancer which is not fall under Ductal Carcinoma in situ of the breast, you will get the claim by Prudential.

Here the proof from my client last year. get RM10,000 of breast cancer from Critical Illness Benefits

It is near not near death situation. My client still alive till today.

How about Ductal Carcinoma in situ of the breast?

Thats why you need to buy PRUlady / Takaful Puteri.

My advise

Most of clients looking for lots of savings and investment. From I read, she paid $600.

I dont know what how much allocation for the protection and the investment. Prudential Singapore premium is cheap. $600 for $100,000 Sum Assured? That is ridiculous. Pay a lot but small in compensation. I assume she pay $600 and most of the premium is actually savings (maybe around $400) and the $200 is pure protection.

Maybe during the presentation the client is focusing on how much money she made, how much investment return and etc. And the agent didn't focus much on protection explanation as the client more interested in the savings and investment.

This is what happen to me lots of time, clients are more interesting in how much money they made, when can I get RM100K? But on protection wise, we explain and explain, I dont know the client listening or not.

But we bad things happen, now they listen and focus on what protection they have.. and ooohhh not cover pulak?

 

[teralogies]

Kalau nak cover semua jenis kanser termasuk kanser peringkat awal, kenala ambik pelan yang tepat macam Takaful Wanita yg cover kanser2 berkaitan wanita.

MAA Takaful sendiri ada pelan khas kanser (CancerCare) yg cover kanser peringkat awal dengan bayar 25% dari jumlah perlindungan. kalau cover RM100,000, dapatlah RM25,000.00 kalau detect kanser peringkat awal.

kalau nak harapkan pada 36 penyakit kritikal, bayaran hanya akan dapat bila kanser dah sampai tahap kritikal.

Jadi kepada mereka yang nak sertai takaful, pilih pelan yang sesuai dan fahami apa kehendak anda. Kalau dalam keluarga anda ada sejarah penyakit kanser, baik ambik pelan khas untuk kanser. Adakalanya belanja perubatan untuk kanser ni menjangkau ratusan ribu ringgit dan kadang2 medical card pun tak cukup had untuk tampung kos rawatan kanser.

Yang penting sebelum sain borang permohonan, faham betul2 apa yang menjadi keperluan anda. Jangan sampai bila dah terkena, nak salahkan ejen, padahal salah sendiri yang tak kaji betul2 keperluan perlindungan sendiri.

 

[teralogies]

Kalau nak cover semua jenis kanser termasuk kanser peringkat awal, kenala ambik pelan yang tepat macam Takaful Wanita yg cover kanser2 berkaitan wanita.

MAA Takaful sendiri ada pelan khas kanser (CancerCare) yg cover kanser peringkat awal dengan bayar 25% dari jumlah perlindungan. kalau cover RM100,000, dapatlah RM25,000.00 kalau detect kanser peringkat awal.

kalau nak harapkan pada 36 penyakit kritikal, bayaran hanya akan dapat bila kanser dah sampai tahap kritikal.

Jadi kepada mereka yang nak sertai takaful, pilih pelan yang sesuai dan fahami apa kehendak anda. Kalau dalam keluarga anda ada sejarah penyakit kanser, baik ambik pelan khas untuk kanser. Adakalanya belanja perubatan untuk kanser ni menjangkau ratusan ribu ringgit dan kadang2 medical card pun tak cukup had untuk tampung kos rawatan kanser.

Yang penting sebelum sain borang permohonan, faham betul2 apa yang menjadi keperluan anda. Jangan sampai bila dah terkena, nak salahkan ejen, padahal salah sendiri yang tak kaji betul2 keperluan perlindungan sendiri.

 

[yiez_77]

Harap fikir la betul2 dimana keperluan anda, samada investment, protection? Protection plak, nk yg mcm mana, ada mcm2 jenis plan utk protection. Kalau mampu amik je semua, kalau x ambik je yg mana rasa paling penting. Yg penting,zaman skrg ni insurans perlu ada..memandangkan penyakit bertmbh byk, mcm2 penyakit skrg ni, kos plak b'tmbh naik..X de sape nk tolong kita melainkan kita sendiri..Pandai2lah m'buat pilihan.

 

[DanielAriffin]

Salam...
Lama tak masuk forum.. busy tahap gaban, apa la hal macam ni sendiri kecoh.. tapi sendiri kena, kalau tak puas hati buleh buleh repor direct to bank negara... settle.. i dah tolong bukan cleint saya pon dah lepas.. itu yg meet dalam policy.. mesti dapat hak anda.. tapi kalau tak bayar tu mesti ada silap mana2 kan? so buleh check.. check tak kena duit.. so pandai la.. refer agent yg betui2 teknikal bukansaja pandai sale..

Saya punya cleint cukup 30 hari pon dapat claim yg penting check medical report dulu sebelum submitted.. ada client saya bakal sapu RM8000 dari penyakit sedia ada pon buleh lepas.. so pandai la..

 

[lyanie]

Biasanya semua insurance atau takaful akan cover cancer..cuma stage 3 and stage 4..kalau CIS memang tak ada yang cover unless ada ambil plan Wanita Illness dari MAA takaful..ha..plan tu ambil as riders pun boleh..memang cover Carsinoma In Situ...so fikir fikirkanlah...

Lyanie full time Maa takaful

 

[Cikgu Rosli]

Saya pun keje gomen. Dulu memang bongkak kerana kononya? gomen cover semua. Bukanya hospital kerajaan tak bagus, tetapi mereka ada kekangan. Cuba lihat fakta di bawah
1. Terdapat hanya 50% doktor berkhidmat di hospital kerajaan.
2. 80% pesakit bertumpu di hospital kerajaan.
3. lebih 60% pakar berkhidmat di hospital swasta.
4. Terdapat 60 orang pakar kanser di Malaysia, hanya 15 orang berkhidmat di Hospital kerajaan.
5. Budget Kesihatan menurun dari rm13.7B(2008) ke RM13.1B (2009). Sedangkan jumlah pesakit semakin ramai.
(* Sumber The Star)
Kalau tak takkan Hospital swasta boleh banyak macam cendawan tumbuh selepas hujan. Saya sendiri seorang guru, sekarang ni sedang berusaha untuk menyedarkan kakitangan kerajaan tentang kad perubatan dengan menjadi Agen Pru BSN Takaful

Hubungi
013-7519454

 

[Cikgu Rosli]

Saya pun keje gomen. Dulu memang bongkak kerana kononya? gomen cover semua. Bukanya hospital kerajaan tak bagus, tetapi mereka ada kekangan. Cuba lihat fakta di bawah
1. Terdapat hanya 50% doktor berkhidmat di hospital kerajaan.
2. 80% pesakit bertumpu di hospital kerajaan.
3. lebih 60% pakar berkhidmat di hospital swasta.
4. Terdapat 60 orang pakar kanser di Malaysia, hanya 15 orang berkhidmat di Hospital kerajaan.
5. Budget Kesihatan menurun dari rm13.7B(2008) ke RM13.1B (2009). Sedangkan jumlah pesakit semakin ramai.
(* Sumber The Star)
Kalau tak takkan Hospital swasta boleh banyak macam cendawan tumbuh selepas hujan. Saya sendiri seorang guru, sekarang ni sedang berusaha untuk menyedarkan kakitangan kerajaan tentang kad perubatan dengan menjadi Agen Pru BSN Takaful

Hubungi
013-7519454

 

[uwaismokhtar]

aku pun dah tgk2 kes ni dan baca dalam polisi... carcinoma in-sinun memang exclude utk pampasan penyakit kritikal.. tapi rasanya kalau bayaran perubatan masih boleh cover kan??

tu la aku rasa org perempuan kena beli 1 lagi polisi khas utk org perempuan.. so far aku tgk prulady cam ok la tak leh nak dinafikan... hong leong pun ada kot... yang lain aku blom survey...

sebenarnya aku nak sharekan hal ni kat orang perempuan yang mana dah ada insurans jenis investment linked tapi bukan khas utk perempuan... tapi kena keluar duit lebih sedikit la....

jadi aku rasa semua yang ada insurans selak2 balik polisi tak pun minta agen korang explain balik... at least kalau dah lama setahun sekali tanya balik kat agen korang... adalah keje depa selain dapat komisen....

sharing is caring....

saya bersependapat dan bersetuju dengan komen sontra cgrock kerja kami sebagai agent sentiasa updates dan kemaskini keadaan polisi takaful client (^^,) lagi2 investment-link polisi, bila ada unsur-unsur topup investment dan menjual unit-unit bila cukup haul (^^,) tapi first things first...protection...kadang-kadang tak semuanya client faham dan amik tahu tentang setiap isi kandungan dalam polisi...tambahan pula kalau polisi yang diambil itu tidak mendedahkan secara technically apa yang telah diambil dan telah dibeli...sepanjang kareer saya sebagai pru dan prubsn agent, polisi memainkan peranan paling utama dan paling penting dalam memberikan kefahaman...kalau anda pernah study tentang polisi-polisi syarikat2 insurans dan takaful di malaysia, maka anda akan faham apa yg saya maksudkan..tgk polisi dan try fahamkan betul-betul apa yang anda telah beli dan apa yang agent anda telah jualkan (^^,)

pampasan sakit kritikal jer yang tak dapat..sbb masih bukan 36sakit kritikal...namun...kos pembedahan, elaun wad, elaun pembedahan semuanya ditanggung beres...paid

 

[uwaismokhtar]

Taken from policy

CANCER
Shall mean uncontrollable growth & spread of malignant cells and the invasion & destruction of normal tissue for which major interventionist treatment or surgery (excluding endoscopic procedures alone) is considered necessary. The cancer must be confirmed by histological evidence of malignancy.

The following conditions are excluded:
(a) Carcinoma in situ including of the cervix;
(b) Ductal Carcinoma in situ of the breast;
(c) Papillary Carcinoma of the bladder & Stage 1 Prostate Cancer;
(d) All skin cancers except malignant melanoma;
(e) Stage I Hodgkin's disease; and
(f) Tumors manifesting as complications of AIDS.

So not covered!

Critical illness only pay you when you already near death situation? The answer is NO



You got breast cancer which is not fall under Ductal Carcinoma in situ of the breast, you will get the claim by Prudential.

Here the proof from my client last year. get RM10,000 of breast cancer from Critical Illness Benefits

It is near not near death situation. My client still alive till today.

How about Ductal Carcinoma in situ of the breast?

Thats why you need to buy PRUlady / Takaful Puteri.

My advise

Most of clients looking for lots of savings and investment. From I read, she paid $600.

I dont know what how much allocation for the protection and the investment. Prudential Singapore premium is cheap. $600 for $100,000 Sum Assured? That is ridiculous. Pay a lot but small in compensation. I assume she pay $600 and most of the premium is actually savings (maybe around $400) and the $200 is pure protection.

Maybe during the presentation the client is focusing on how much money she made, how much investment return and etc. And the agent didn't focus much on protection explanation as the client more interested in the savings and investment.

This is what happen to me lots of time, clients are more interesting in how much money they made, when can I get RM100K? But on protection wise, we explain and explain, I dont know the client listening or not.

But we bad things happen, now they listen and focus on what protection they have.. and ooohhh not cover pulak?

a detail explanation from bro prudential (^^,)