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Agen Adra Jenglut, mmg salutelah dia. Bagus gak (tak leh puji lebih, kang dia perasan lak).
Better bila pilih insurance tu, tgk jugak agen dia. Jgn main ambik jer tanpa ada feedback dari customer diorg. Sbb if not, bila sign jer nampak muka, then hilang dah. |
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huhuhu... i ambik bsn-prudential medical card tu... actually, ok jer.... byrn bulanan 100... i ambik utk 2 my doter.... klau ada sapa2 nak join leh pm i... ajen i tu, very helpful... leh i introduce kat u all yg berminat... |
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Reply 23# camPro
bagusnya campro..... terbaikkk lahhh |
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for me medical card yg best is ING
tak bayo satu sen pun if admit
meaning tak de minumin payment kena bayo by the patient
tp dia premium mahal sket la
leh beli medical card jek tak termasuk saving
dulu2 per year rm800 tak silap
now rasanya dah increase sket |
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Reply 25# cmf_phoebe
Terbaikkk.... Sebab sudah ada medical card... Apapun jenama yg penting kita harus memilikinya... Tahniah ps saudara/i |
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Post Last Edit by cmf_iddine at 25-10-2011 10:01
klu medical card terbaik ialah ING. Prudential Assurance pun bagus sbb claim cepat dapat. Prudential BSN Takaful claim lambat slow gila..from my experience. AIA ok jugak in term of claim cuma dia punya co-insurance tu terlampau banyak limit bukan macam insurance lain As Charge..i suggest if medical card u go ING and Prudential Assurance. Great Eastern lembab nak mampus klu nak claim..i tell u my story. i bought medical card for each of my children (6 kids) from different2 insurance company..e.g Prudential Assurance, Prudential BSN Takaful, ING and AIA. whenever they hospitalised, i used my husband company insurance medical card which is ING. for my hubby company the entitlement tu ada limit..e.g hari tu my son admitted at KPJ Selangor Specialist Hospital for bronchitis and the bill was RM4k +++. my hubby entitlement is room and board RM150. we opted for single room which is RM190. the difference is Rm40 for 8 days abt RM280++. ING did not pay for the difference and we have to forked out bcoz we chosed higher entitlement.the difference later we can claim from our personal insurance. from my previous experience liasing with insurance company (as i mentioned i took medical card fm various insurance not stick to one) procedure not difficult as long as u submit to ur insurer copy of total bill, copy of receipt dan berapa u bayar yg company tak cover and cover letter cerita sikit lah story ni..thats it klu prudential and ING senang tak banyak kerenah sbb derang lagi suka u byr premium bnyk tapi claim sikit sbb the rest of the bill covered by ur company panel insurance cuma difference yg tak cover je dia bayar..and that portion tu ciput je..tapi Prudential BSN Takaful banyak kerenah mintak letter from company lah berapa tak cover, payslip lah berapa kena potong gaji klu deduction tu potong gaji, medical report, bla bla end up nak dapat duit RM280 makan masa sampai 5 bulan..sakit hati tak??
klu nak beli medical card tied up with education insurance, what i normally do beli medical card and ada saving sikit for the education insurance. for example budget u for education is RM300 per child. RM150 u beli medical card and saving sikit and the remaining RM150 u masuk dalam unit trust Public Mutual. so u invest in few basket instead of 1..i'm not insurance agent but i get knowledge fm this insurance people who share their thoughts with me... |
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Reply 27# cmf_iddine
Sharing terbaikk... Tq... Bukan semua org dpt merasa mcm ni....
Tp kalu ada ejen yg terbaikk mungkin masalah claim lmbt td dpt di atasi.. InsyaAllah... |
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Reply cmf_iddine
Sharing terbaikk... Tq... Bukan semua org dpt merasa mcm ni....
Tp k ...
integra Post at 25-10-2011 10:13 
betul tu bukan semua ejen nak share information yg berguna dgn kita..lepas jual dia buat tak tahu je sbb komisyen for 1 year besar so malas dah nak service.. sbb tu kita tak boleh percaya cakap ejen bulat2..sebelum beli kena tanya pada org yg pernah beli insurance, pengalaman derang, ambik sedikit masa untuk buat keputusan..google internet atau baca majalah buku berkaitan insurance..i dulu tak pandai dlm insurance tapi bila bergaul banyak dgn ejen and at the same time my colleague from insurance department, dpt sedikit sebnyk info pasal insurance ni..klu u call customer service insurance sometime info derang pun boleh diguna pakai jugak dari ejen yg kadangkala tak bagitau..trust me.. |
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Insuran is abt trust... Pengalaman anda amat berguna... |
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Reply 27# cmf_iddine
Salam,
Good Sharing.. Gain smthg from it |
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Jadilah ejen yg baik mbk... |
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Jadilah ejen yg baik mbk...
integra Post at 25-10-2011 15:07
Insya-Allah... Terima kasih  |
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yap that why i ckp ING terbaik so far for me and since last time i keje private hospital
that why i know ING yg paling senang deal
this only based on my personal experience jek
both my son admit kpj selangor under ING semua cover except i opt for single and diff i kean bayo that time rm20 jek for single.
later admit under co mmg entitle single so fully cover for broncitis single room
kuar sign form discharge jek
hehehe |
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Moral... So cari la insuran yg senang claim... Bukan sebab insuran tu murah |
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http://www.youtube.com/watch?v=UcYflK8cBUg&feature=related
Salam,
Hadiahkan sesuatu yang amat BERNILAI  untuk ANAK anda............
Translation at the end:
Pa says :
When the first time i see you, my son
i drop tears with joyful
i pray that i'll ever stand by you, take care you
Insurance help me to calm my heart to see you grow up
My son, i love you
Sob Sob sedeyyyyyyyy 
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Moral... So cari la insuran yg senang claim... Bukan sebab insuran tu murah
integra Post at 25-10-2011 17:33
ya betullll..org kita nak murah, bila insurance tak bayo menjerit satu dunia..seeloknya yg senang nak claim. yg murah kebiasannya susah atau tak dapat nak claim.. |
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Good thing not cheep, chep not good |
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Insurans nie macam menambung.. sikit sikit lelama jadilah bukit.. Start ngan bayar murah.. then biler ader duit sikit dapat bonus ker, naik gaji ker.. increaselah premium tue... baru boleh cover yang besar punyer.... |
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sape kat sini agen insuran tuk medical....tlg pm saye ble?? ade bende na tanye...tq |
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Post time 1-10-2009 09:35 AM
