sapa yg anak2 kerap masuk sepital elok amik Hospital Income Plan

shahgti

sapa yg tak minat amik medical card (for whatever reason....tak dak budget, taik idung masin whatever  )  aku advice amik jer Hospital Income Plan. especialy yg anak2 korang yg bwh 7 tahun sebab mrk ni fragile.................. asal flu, batuk, demam jer anytime boleh kena admitted sepital. extra income utk korang, boleh la cover belanja ulang alik sepital & boleh gak guna duit tu utk byr up  front  dua tahun korang punya premium medical kad (kalau ada ler).

for rm17 sebulan korang boleh dpt rm100 sehari tiap kali anak2 masuk sepital. bukan ler bermakna kita gumbira anak2 masuk sepital, tapi zaman la ni asal batuk tak kebah sure kena tahan kat ward (especially private hospital). klu korang rasa berat nak dok sepital pun tak pa, amik jer ward leave.

utk yg taik idung masin, rm17 sebulan sesuai la utk korang.

hasribus

Originally posted by shahgti at 12-2-2008 10:45 AM
sapa yg tak minat amik medical card (for whatever reason....tak dak budget, taik idung masin whatever  )  aku advice amik jer Hospital Income Plan. especialy yg anak2 korang yg bwh 7 tahun s ...

haku pon ada gak hospital income plan nih...dari Maybank. Beli a few yrs back.

Kepada mereka yg membeli hospital income plan ini, anda perliu tau fungsi hospital income plan ini adalah untuk compensate the loss of income due to hospitalisation. It should be a supplement to what you already have, ideally and NOT to be treated as "aku dah ada insurance coverage kinda thing" sebab this plan won't take the big chunk out of your medical bills.

totally different function/use dengan medical card, tp kepada yg tak berminat nak ambik medical card/taik idung masin, digalakkan ambik jugak supaya in the event of hospitalisation, plan nih dapatlah subsidise a few hundred from the bills yg potentially beribu tuh...

mukmin101

menarik gak ni.....takde ke ejen utk produk ni

jenglut

Hospital Income Benefit ni bukan 'rider' ke? must amik dgn basic insurance plan kan?..

**For those yg tak tau, Hospital Income Benefit ni adalah elaun tunai di berikan kpd policy holder mengikut bilangan hari bermlm di wad hospital eg.


Just a piece of advice, for 'Hospital Income Benefit' u guys kene amik tau whether cover utk:

1. eksiden ATAU penyakit ATAU Kedua2nya skali

2. 'bermalam' tu kira mcm mana? 3 hari consecutive ke? 2 mlm ke..1 mlm ke..setiap co, berbeza syaratnya
(kalau kat PruBSN, 'bermalam' = lebih 6 jam, so asal dok wad lebih 6 jam - 24 jam, sure dpt duit poket elaun. eg. kalau Hospital Income Benefit tu RM100/day..maka dpt la RM100 kalau dok wad lebih 6 jam...Tp let say kita admitted dlm wad 24 jam & 4 hours, ini di kira 2 days....maka dpt la masuk cek RM200 [RM100x2days])

(re-edit : satu lagi tambahan..tertinggal)

3. check dlm satu tahun brapa kali bole buat claim Hospital Benefit Income

regards


[ Last edited by  jenglut at 13-2-2008 12:14 AM ]

shahgti

biasanya sapa yg kerja makan gaji & their company hv koperasi which will provide this. not as a rider. tapi selagi dia keja for that company.

hasribus

Originally posted by jenglut at 13-2-2008 12:01 AM
Hospital Income Benefit ni bukan 'rider' ke? must amik dgn basic insurance plan kan?..

**For those yg tak tau, Hospital Income Benefit ni adalah elaun tunai di berikan kpd policy holder mengik ...

ada jugak kompeni yg jual as a stand alone policy bro...
tp our product jugak is the best...well at least one of the best...
haku ingat nak propose kat ko ngan ibm utk bukak satu thread on our Takafulink plan...and kita buleh citer dia punya flexibility as a solution to many needs...

jenglut

Originally posted by shahgti at 13-2-2008 08:07 AM
biasanya sapa yg kerja makan gaji & their company hv koperasi which will provide this. not as a rider. tapi selagi dia keja for that company.

True! Personally bagi aku..mana yg bebetul sengkek & dah ada co. cover medical..elok la amik jgn amik Hospital Benefit Elaun tuhh..

jg bila mampu, start with basic death benefit first, critical illness, P.A insuran, elaun2 wad..as mende2 mcm ni co. tak provide..

utk wealth protection

jenglut

Originally posted by hasribus at 13-2-2008 11:12 AM


ada jugak kompeni yg jual as a stand alone policy bro...
tp our product jugak is the best...well at least one of the best...
haku ingat nak propose kat ko ngan ibm utk bukak satu thread  ...

oic..betul..betull...better ada drp takde..
anyway, aku pun baru siap blog PruBSN Takaful kat blog Cari : http://eblog.cari.com.my/?77685/viewspace-6863.html

nanti ada masa aku tambah lg..