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Author: cmf_comei

Medical-card Insurance - Need advise

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Post time 9-11-2008 06:03 PM | Show all posts
mendakkkkkk

laaaa

plakkkkkk

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Post time 11-11-2008 06:01 AM | Show all posts
sangkut ke??
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Post time 11-11-2008 06:08 AM | Show all posts
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Post time 11-11-2008 09:52 AM | Show all posts
sangkut laaa
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Post time 12-11-2008 10:40 AM | Show all posts
tanya skit..prubsn medical card ni standalone ka ?
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Post time 12-11-2008 01:49 PM | Show all posts

Reply #485 syanamir's post

nope....wholelife policy

stand alone tu cover setahun & renewal not guarantee
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Post time 12-11-2008 02:17 PM | Show all posts
kalau untuk anak yang umur 3 tahun dan premium monthly RM100 bleh ke cover
medical card skali..package ape ek..and kalau kita ambik ngan agen prudential
yang warna merah tu sama ke ngan Pru Bsn ni..
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Post time 12-11-2008 03:08 PM | Show all posts
Originally posted by syanamir at 12-11-2008 02:17 PM
kalau untuk anak yang umur 3 tahun dan premium monthly RM100 bleh ke cover
medical card skali..package ape ek..and kalau kita ambik ngan agen prudential
yang warna merah tu sama ke ngan Pru Bs ...



boleh wakkk..dapat 3 mende:
1. Medical card
2. Insuran, elaun etc
3. saving no maturity

cuma kalau amik dgn Pru..dpt medical kad bernilai RM500,000
..yg PruBsn rm150,000


regards
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Post time 12-11-2008 03:47 PM | Show all posts
last question..tapi yang Pru tu bukan takaful lah kan..thanx in advance
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Post time 12-11-2008 11:54 PM | Show all posts
Originally posted by syanamir at 12-11-2008 03:47 PM
last question..tapi yang Pru tu bukan takaful lah kan..thanx in advance


Memang yg Pru tu bukan Takaful ... kalau nak Takaful ... tu Takaful PruBSN nama nyer...
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Post time 16-11-2008 12:13 PM | Show all posts
Originally posted by syanamir at 12-11-2008 10:40 AM
tanya skit..prubsn medical card ni standalone ka ?


Kalau nak yg stand alone pun saya boleh buatkan ... nak tak?
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Post time 18-11-2008 10:07 AM | Show all posts
so ada sesiapa lagi yg ada persoalan berkaitan dgn Takaful Insuran
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Post time 20-11-2008 04:39 PM | Show all posts
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Post time 22-11-2008 01:18 AM | Show all posts

Balas #493 jenglut\ catat

Adie... adie ... untung yer buat Insuran ni ...

Di Al Isra' ramai lagi yg berjaya macam Adie...  dan ada lagi lebih hebat dari Adie hehehehe... anda tahu siapa yg saya maksudkan ... sebab Adie ambik masa 4 thn utk bergambar depan keta Idaman nyer ... tetapi org tu ambik masa 2 thn ajer....
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Post time 28-11-2008 12:11 AM | Show all posts
semoga ini menjadi iktibar kpd kita..walaupun kakitangan kerajaan..hatta pengurus besar skali pun..

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Post time 30-11-2008 08:27 AM | Show all posts
honestly aku memang berminat dgn medical card ni..
baru2 ni ada kenalan aku ms di uni dulu cerita kat aku pasal insurans/medical card prudential BSN ni..
tapi aku dapati agak mahal laa kalau minimum utk amik medical card (SAHAJA) still kene bayar 100 sebulan

memang tak dinafikan dlm 100 tu ada pecahan2 utk saving, disability, & death..
tapi aku tak berminat dgn insurans yg kembar dgn saving/death ni..
sb bagi aku, insurans bukan produk pelaburan.. kalau aku nak saving aku dah tahu nak saving kat mana, bukan insurans
& sory, pasal kematian tu, bukan nak berlagak tapi tak berapa penting utk aku.
sbnya, kalau aku mati pon, kehidupan hubby aku tak terjejas.. dia tak bergantung hidup dgn aku.
begitu juga dgn parent aku
lagipon aku dah tarok penama EPF dgn nama hubby aku, coming soon my kids besok


kesimpulannya, 100 tu terlalu mahal utk gaji aku
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Post time 30-11-2008 01:21 PM | Show all posts

Reply #496 masnina's post

u bole 'riki' at other insuran/takaful provider..utk medical kads shaja..

regards
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Post time 3-12-2008 01:57 AM | Show all posts
dalam kes Masnina, belom sesuai utk u amik insuran lg..sbb u masih dlm kategori belom mampu (buat masa ni)..Insuran itu tidak sepatutnya membebankan kita..

however bila dah mampu, u can start with low premium insurance which is called insuran PA (personal accident)..yg ni memang murah..as low as RM10 per year pun ada (tp hanya cover eksiden motosikal aje la)..i think TuneMoney is offering kott..

just basic coverage khusus utk hilang upaya kekal saja..so kalau disability (mintak jauh), if laki kawin lain..ada la juga duit sket utk sara idup..

regarding medical card alone tu (yg byr hangus & no saving), u bole survey with other takaful/insuran provider..especially dgn local co insurance..diorg ada offer utk medical kad alone..biasanya murah eg RM300+ a year as medical assistance provided by third party co..yg ni premium memang kene byr tahunan, tak leh bulan2..tp renew not guaranteed laaa..means that, every year u kene renew mcm renew roadtax (eg. apply isi borang setiap thn)..set back is, let say this year..kita dpt sakit diabetic..the following year, ada kemungkinan tat co. (well they have the right) akan reject application utk renew medical kad tu sbb sudah berisiko tinggi..

This type of medical kad, if renewed..premium akan naik ikut umur..

byk lg yg nak kena terangkan..tp takpe, since it's not suitable time for u to buy insurance yet..so try to save your money as much as u can..

regards


p/s: edit tepek pic from tunemoney offered

[ Last edited by  jenglut at 3-12-2008 02:16 AM ]
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Post time 3-12-2008 05:46 PM | Show all posts
Originally posted by jenglut at 3-12-2008 01:57 AM
dalam kes Masnina, belom sesuai utk u amik insuran lg..sbb u masih dlm kategori belom mampu (buat masa ni)..Insuran itu tidak sepatutnya membebankan kita..

however bila dah mampu, u can start  ...


kiter nk tnyer lh..
7 bulan saya ada amik insurance tkaful (now dh tukar etiqa) byr 100 sebulan...
insurance ni cumer ada saving yg 15 thn yg dorang transfer utk g hj/umrah
pas tu ada daily allowance hospitalization n allowance mc (kena lebey 3hr mc).. tu je lah..

pas tu ada agen prudential promote saya pasal medical card+death+saving rm 100 per month..
saya mmg dh lama nk cari medical card +saving even my company cover utk medical card..(ING)
tp fkr utk hr tua..

kiter nk tnyer klu nk kuarkan duit dr takaful etiqa maybank tu bley ker..?
sebab rasa nk join utk 2 insurance cm byk jer...  
sesiap yg boley tlg saya..?
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Post time 4-12-2008 10:45 AM | Show all posts
Originally posted by u^jin at 3-12-2008 05:46 PM


kiter nk tnyer lh..
7 bulan saya ada amik insurance tkaful (now dh tukar etiqa) byr 100 sebulan...
insurance ni cumer ada saving yg 15 thn yg dorang transfer utk g hj/umrah
pas tu ada da ...


Salam U^Jin,

Saya cadangkan, u list out dulu benefit yg u dapat di Etiqa & Pru..dan u bezakan mana yg beri manfaat lebih byk..

Kalau u rasa Insuran B lebih byk manfaat drp Insuran A..walhal premium yg dibayar adalah sama..kalau mampu, u amik la dua2 insuran skali..tp kalau tak mampu, u pilih lah salah satu yg the best..
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