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anis tu mmg tgk bz
ntah Um mcm2 plak event ada
nanti dia dah free tu, dia call la u |
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Reply #201 kawahapi's post
ok..i ada KL minggu nih..nanti i nak date dgn dia..bwk pi dinner.. |
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Originally posted by hasribus at 14-2-2008 06:51 PM 
kesian pada sapa yg tak ambik...
yg tak mampu & tak ambik..well, nothing much i can do laa...
tp kepada yg mampu tp tak ambik, sometimes aku pon tertanya...what is it with me? presentation ...
kalau krjn tak wajibkan cukai kenderaan aku pikir sure ramai rakyat Msia yg takkan beli insurance kenderaan walaupun hari2 keluar suratkhabar & TV cerita orang eksiden. sebab beleive kemalangan hanya berlaku kpd orang lain. |
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Originally posted by shahgti at 15-2-2008 07:45 AM
kalau krjn tak wajibkan cukai kenderaan aku pikir sure ramai rakyat Msia yg takkan beli insurance kenderaan walaupun hari2 keluar suratkhabar & TV cerita orang eksiden. sebab beleive kemalang ...
well said bro. in fact, ramai yg opt for 3rd party coverage lepas habis loan.... |
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sebab itulah pernah ada proverb "protect first, then invest". apa-apa pun mesti ada perlindungan dulu..
a) nak masuk umah, kena pasang grill dulu kat tingkap dan pintu di rumah..then baru la beli set home theatre
b) nak pasang aksesori canggih dalam kereta pun kena ada alarm yang canggih.
c) nak berperang pun mesti ada perisai.
d) nak main bola..mesti ade goalkeper..
pokok pangkal, semua kena plan dan protect....dah ada semua tu, baru boleh panjang ke perkara lain.
my 2 cent worth |
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Reply #205 hasribus's post
Nah bro..kata2 semangat utk awak..
Failure doesn't mean - "You are a failure,"
It means - You have not succeeded.
Failure doesn't mean - "You accomplished nothing,"
It means - You have learned something.
Failure doesn't mean - "You have been a fool,"
It means - You had a lot of faith.
Failure doesn't mean - "You don't have it,"
It means - You were willing to try.
Failure doesn't mean - "You are inferior,"
It means - You are not perfect.
Failure doesn't mean - "You've wasted your life,"
It means - You have a reason to start afresh.
Failure doesn't mean - "You should give up,"
It means - "You must try harder.
Failure doesn't mean - "You'll never make it,"
It means - It will take a little longer.
Failure doesn't mean - "God has abandoned you,"
It means - God has a better way for you.
All persons, no matter how big, make mistakes. But history teaches us that big people refuse to falter because of their mistakes.
Henry Ford forgot to put a reverse gear in his first automobile.
Edison once spent over two million dollars on an invention which proved of little value.
Honda & CocaCola had bankrupt few times.
The person who makes no mistakes lacks boldness and the spirit of adventure.
They are the ones who never try anything new; they are the brake on the wheel of progress.
Remember, a mistake becomes an error only when nothing is done to correct it .....
p/s: memang salah kita pun sbg ejen insuran..patut kene reach out sume org..tats y, kalau tgk azean / m rajoli / yusni jaafar suffer financial support due to medical..bukan salah depa..actually salah kita ejen insuran tak pi jumpa & convince depa.. |
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Originally posted by jenglut at 15-2-2008 12:54 PM
Nah bro..kata2 semangat utk awak..
Failure doesn't mean - "You are a failure,"
It means - You have not succeeded.
Failure doesn't mean - "You accomplished nothing,"
It means - You have le ...
thanks for the encouragement bro....
kerja kita takkan habis...there's a lot of people out there waiting for us.... |
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Originally posted by ibm632 at 11-2-2008 11:18 PM
Yer tu boleh jugak kalau U kongsi kat sini kenapa kena reject... pengalaman saya , senarai penyakit yg saya tak boleh nak tolong ialah:
Kencing manis
Tulang belakang serius
Operate berkait jantung...
kencing manis tak cover ke? |
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Originally posted by tobby at 18-2-2008 04:10 AM 
kencing manis tak cover ke?
kencing manis tu cover..
tp kalau dah kencing manis, baru nak apply insuran..memang kene reject la jwb nya |
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Reply #4 syahanna79's post
aku amik prudential monthly bayar 100...
baru2 ni aku masuk specialist hospital..tu pun coz aku just nak claim insurans..klu x malas aku nak duk dlm wad...aku admitt la satu mlm...sok ptgnye lepas check ngan specialist aku dibenarkan keluar...tu pun aku merayu tuk kuar coz aku bosan giler...time pegi bayar bil hospital sambil amik mc aku..wife yg pegi coz aku injured..tunggu kat dlm wad je...pas tu x lame kemudian wife aku dtg bgtau yg die kena bayar medical charges...
bill dlm RM 550....prudential just tanggung RM 300 je...balance kita tanggung...dah la deposit hospital pun kena bayar dulu..aku naik angin la...dulu ejen x bgtau pun ade half2 cam ni...aku call ejen..die bgtau 300-1000 tu limit medical...aku kena 550 so bill aku just ditanggung 300 je...klu aku kena medical 10k pun aku still kena bayo 1k je..so aku tanye ajen tu..mcm mane klu tetibe kita sakit then pas tu x de duit...die kate duk dlm wad lame2 coz sehari dpt elaun sakit around 100...but persoalan aku mcm mane nak settle bill klu duit x de...sdgkan elaun tu bole dpt dlm sebulan lepas kite submitt bil2 tu....tuk org2 yg dah amik insurance before 2003..dorang akan ditanggung semuanya..so unfair la tuk org2 yg amik insurans lepas 2003...
sesape tau insurans yg bole cover medical cost semuanya...without kita bayar dulu??? |
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Reply #213 nazijo's post
Ada ... kalau U nak dia orang tanggung U tanpa U keluarkan duit yg banyak (just RM 70) aje ... ING dan AIA ... tapi U tak dapat laaa elaun Harian RM 400 sehari seperti yg PruBSN bagi kat U. Tapi dari sini I fikir ejen U tak transparent laaa ... dia tak cerita detail ... Harap u jgn salahkan pruBSN sebab dalam polisi tu dah highlight dengan dakwat merah lagi pasal Ko-Takaful ni ....
Macam client saya baru discaj Hari ni Bill dia RM 2311 duduk dlm wad 5 hari ... jadi bila nak keluar aje dia kena bayar RM 300 (ko takaful) .... then lepas 2 minggu nanti dia akan dapat CEK RM 1500 utk elaun harian dalam wad. Jadi U boleh tgk dari sini samaada U nak bayar Admin Fee RM 70 atau pun U nak dapat duit poket RM 1200 ...U decide sendiri ...
Untuk maklumat lanjut atau nak bertanya dengan jelas lagi berkenaan polisi U tu boleh tepon saya ... |
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Originally posted by nazijo at 21-2-2008 10:28 PM
aku amik prudential monthly bayar 100...
baru2 ni aku masuk specialist hospital..tu pun coz aku just nak claiminsurans..klu x malas aku nak duk dlm wad...aku admitt la satumlm...sok ptgnye lepas check ngan specialist aku dibenarkan keluar...tupun aku merayu tuk kuar coz aku bosan giler...time pegi bayar bilhospital sambil amik mc aku..wife yg pegi coz aku injured..tunggu katdlm wad je...pas tu x lame kemudian wife aku dtg bgtau yg die kenabayar medical charges...
bill dlm RM 550....prudential just tanggung RM 300 je...balance kitatanggung...dah la deposit hospital pun kena bayar dulu..aku naik anginla...dulu ejen x bgtau pun ade half2 cam ni...aku call ejen..die bgtau300-1000 tu limit medical...aku kena 550 so bill aku just ditanggung300 je...klu aku kena medical 10k pun aku still kena bayo 1k je..so akutanye ajen tu..mcm mane klu tetibe kita sakit then pas tu x deduit...die kate duk dlm wad lame2 coz sehari dpt elaun sakit around100...but persoalan aku mcm mane nak settle bill klu duit x de...sdgkanelaun tu bole dpt dlm sebulan lepas kite submitt bil2 tu....tuk org2 ygdah amik insurance before 2003..dorang akan ditanggung semuanya..sounfair la tuk org2 yg amik insurans lepas 2003...
sesape tau insurans yg bole cover medical cost semuanya...without kita bayar dulu???.
Hi Nazijo,
Yup..bila kita masuk hospital swasta..either u have insuran atau tiada..kita still kene letak deposit to a hospital..
Cuma bezanya, deposit:-
- kalau kita ada insuran/medical kad: then deposit maybe like RM200 - RM300 sahaja (depending on which hospital)
- kalau tiada insuran/medical kad : then deposit min. is RM5,000 or more (depending severity of the cases). Biasanya doctor pakar yg tetap kan eg. deposit is 80% of total cost of treatment
Kenapa walaupun ada medical kad, still bayar deposit to hospital?
Actually, deposit ini akan di pulangkan kpd kita semula selepas habis menerima rawatan, sekiranya kita tidak merosakkan brg2 hospital eg. TV..penggunaan telepon dan sebagainya..kerana urusan2 itu adalah di luar coverage pihak insuran..
Semua ini apply di semua jenis medical kad..bukan sahaja di Pru
Berkenaan dgn Bil Rawatan, sesiapa yg 'subscribe' medical Pru sebelom tahun 2003, mereka akan enjoy 100% full bil payment drp co.
Walaubagaimanapun, telah terdapat penipuan drp segelintir ahli yg menipu/abused benefit kemudahan company insuran...mereka sudah sehat, tapi mahu duduk di hospital lama2..sbb nak claim elaun harian wad byk2..menyebabkan berlaku kerugian kpd pihak insuran..oleh sbb itu, utk mengelakkan berlakunya penipuan, pd thn 2003, sesiapa yg subscribe medical kad perlu menanggung (co-insuran) bil 10% drp total bil..iaitu min. RM300 dan max. RM1,000..apa nak buat, sbb sekor sapi bwk lumpur..satu kandang yg kena...
Contohnya:
- kalau total bil RM2000 treatment, 10% drp total bil ialah RM200..tetapi ahli perlu menanggung min. RM300 drp total bil..baki bil RM700 di byr oleh pihak insuran kpd hospital
- kalau total bil RM20,000 treatment, 10% drp total bil ialah RM200..tetapi ahli perlu menanggung min. RM1000 drp total bil..baki bil RM19,000 di byr oleh pihak insuran kpd hospital
Di Pru, kami menyediakan sekurang2nya RM100/day (max. RM400/day) sebagai elaun wad tunai kpd ahli utk setiap hari bermlm di hospital..so kalau kita duduk 5 hari di hospital, dpt la RM500..so duit ini sekurang2nya bole cover cost 10% td tuhh..
Thats y, saya always remind to my clients that, sekurang2nya kita standby duit RM1,000 sbg preparation utk segala musibbah penyakit..so apa2 hal, dah ada duit..Org lain simpan duit bagai nak rakkk..tetiba masuk hospital, takde insuran.. kene byr ribu riban..lg la jenuhhh..
Katakan awak takde duit jg, jgn lah risau..awak tak byr remaining 10% pun bole..cuma nanti awak tak dpt ubat aje utk rawatan susulan..
sepatutnya, ejen patut kasi tau kat awak pasal mende ni..atau mungkin awak perlu go tru again the policy book..
apa2 pun, kalau awak ada masalah berkenaan dgn Pru..bole hubungi saya directly Ok.. |
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Reply #214 ibm632's post
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thanks coz bg info yg berguna...but i rase my ejen x explain btul2 dulu kot sal co-takaful ni... |
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Reply #215 jenglut's post
thanks...
klu macam saya pulak mothnly bayar RM 100...how much the allowances per day?
kan better pihak insurans sama ratakan cost tu pada semua yg amik insurans....x kire la before 2003 pun..still kene tanggung cost mcm we all...x bole ke? |
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Reply #217 nazijo's post
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U PM tarikh lahir pada saya then saya boleh calculate berapa maksimumelaun harian yg U boleh ambik. |
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Originally posted by nazijo at 22-2-2008 11:18 AM
thanks...
klu macam saya pulak mothnly bayar RM 100...how much the allowances per day?
kan better pihak insurans sama ratakan cost tu pada semua yg amik insurans....x kire la before 2003 pu ...
Pru bukan buat mende ni suka2 bro..ini sume under requirement Bank Negara Malaysia..
Pru mungkin ada co-insurance..while other insurance co. cannot provide such a big amount of warded elaun like in Pru..(u can check around)
Other co. may dont have co-insurance..but they may have lacking in other medical coverage..eg. co-payment etc.
basically , u lose out some in this feature but u may get more for other feature in similiar plan....Fair kan?
All insurance package has to be approved by BNM before it can be sellto the public. This is to prevent unfair competition among insurancecompany (especially to local ins. co) and also to protect the buyer...
Regards |
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Sekarang ni saya sentiasa ada di Booth
Alamanda Putrajaya
22.02.08 hingga 29.02.08
9.30 pagi hingga 10 mlm.
Penerangan secara percuma akan diberikan kepada yg berminat.
p/s: Kepada sesiapa yg nak dengar penerangan dari saya harap inform dulu .. mana tahu boleh saya explain sambil lunch atau minum petang |
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Category: Belia & Informasi
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Post time 14-2-2008 12:33 PM
