Kepentingan Casless Medical Card : Ramai Yang Tak Sedar

rahmanalwi

Di Malaysia, rawatan perubatan boleh dikatakan percuma untuk semua orang jika melawati kehospital kerajaan. Namun, ramai yang tidak sedar bahawa kepentingan mendapatkan medical card sendiri. Ramai antara kita yang mahu mendapat rawatan di hospital swasta, namun bil agak mahal.


Ramai yang mengunakan perlindungan majikan yang biasanya hanya beberapa ribu. Masalah timbul apabila bil melonjok naik dan keadaan menjadi susah. Tidak ramai majikan yang menyediakan limit yang tinggi untuk rawatan. Bagi yang ada perlindungan medical plan sendiri, pastikannya CASHLESS.

Kenapa Cashless Itu Penting!
Katakan anda mempunyai plan medical yang kena bayar dahulu dan claim kemudian. Limit tahunan anda RM100,000 dengan plan ini. TIBA TIBA anda perlu jalani pembedahan yang mahal katakan RM40,000. Masalah timbul kerana jika anda tidak ada RM40,000 ditangan, anda tidak dapat menjalani pembedahan ini walaupun ada medical plan.

Ini kerana medical plan anda memerlukan anda dapatkan rawatan dahulu, bayar dahulu dan CLAIM kemudian. Jika anda tidak ada duit ditangan, tidak ada gunanya medical plan anda.

Cashless medical card pula, anda dapat rawatan di hospital dan bil akan DIBAYAR terus oleh medical card. Tidak perlu keluar duit sendiri dan claim kemudian. INI ADALAH CIRI UTAMA cashless medical card.

If you do not have a CASHLESS MEDICAL CARD one now, thenREAD THIS !!

Why you need a cashless medical card:

1. You do not need to take out the money from your pocket and pay the bills.REMEMBER: "doctors will cure you first, and the bill kills you later" (hospital kerajaan.. its OK... the bills will not kill you)

2. Government hospital - sometimes you need to wait in queue in order to get anoperations, treatment and etc. I remember someone waiting in queue to get anHEART OPERATION - when he asked to expedite his case, they told him "SEMUAORANG PUN SERIOUS ENCIK, TAK BOLEH POTONG Q". I understand this because the hospital have to treat people according to the queue because of limit resources.

3. Your employer covers you as long as you have value for them. When youretire, they will not cover you. Imagine you have diabetes, high blood pressureand etc, how you going to get a medical card at that moment?

4. Employer covers you with small limits. Do you know your hospitalizationlimits? About 95% of employer only cover RM5,000 per annum. How could you get amajor operation with that limit?

5. Changing jobs with severe chronic illness - do you know that there is apossibility your new employer's group insurer will not cover you. With yourillness you are a sure time bomb to their insurance cost.
6. Personal image - it is hard to get people to pay for your medical cost, andat hard times, it is better to know that you have a plan which will help you.

Learn more about CASHLESS MEDICAL CARD without the need topurchase life insurance, the 48 panel hospitals nationwide and etc, pleasevisit http://www.malaysia-loan.toliveonline.com/medical.htm


Thanks.