[MERGED] -- All about insurance utk anak2

jenglut · Post time 14-4-2008 09:24 PM

bagusss..kasi sume satu opis sign skali..

phoebe · Post time 15-4-2008 01:53 PM

after the long survey phoebe dah ada insurance for my whole family

i pick ING - why..i check with a few private hospital which medical card less hassle admit and cover most of the medical bill tthe staff vote for ING.just need to pay rm50 for admission lain2 dorang cover.sebenornya dah tau gak ING coverage bagus sejak keje hospital dulu tp saje la nak double check

so skali dah amik medical card tu skali gak la bt edu fund for my son ...

now settel dah..dah ada protection sket..

dafina · Post time 15-4-2008 02:06 PM

la...mendap gak page kat sini.....

ibm632 · Post time 15-4-2008 02:26 PM

Originally posted by phoebe at 15-4-2008 01:53 PM
after the long survey phoebe dah ada insurance for my whole family

i pick ING - why..i check with a few private hospital which medical card less hassle admit and cover most of the medical bil ...

Good choice tu phoebe cuma tak dapat pahala derma(dlm takaful konsep derma) dan juga elaun harian (kalau elaun harian ni anak sakit kita dapat upah jaga anak tu RM 400 sehari)

phoebe · Post time 15-4-2008 02:37 PM

yap tu jela..

but prubsn pun still min u kena bayo rm300 gak kan...tp kao rm400 per daily tu sure la premium tak murah ngat kan...

just i not sure if most of the bill prubsn cover ke tak ..i mean cam medical consumables,procedure etc la..
coz last check kat addmision dorang kata ada setgh co insurance a few things tak cover and patient kena bayo the different...plus satu lai kalo dorang reminder tgk insurance tu if patient entitle for rm180 per day if nak admit room rm200 patient can pay the different or not..ada setgh bole ada setgh iinsurance tak leh...
pasal teringat ada satu bill tu patient ingat dia leh cover the different jek but last2 bile admisiion tu check the patient need to pay more that the different...lupa plak insurance mana hari tu..tp co insurance i remember la

ibm632 · Post time 15-4-2008 04:34 PM

Sebenar elaun harian tu tak mahal sebenar nyer dan setakat ni semua client saya yg masuk wad kebanyakan nyer tak perlu top up duit lain utk cover bill dan juga ko takaful sebab tu majoriti client saya saya jarang provide elaun harian kurang dari RM200 sehari. PruBSN membenarkan client nyer membayar sendiri extra cost utk bilik yg melebihi kadar yg ditetapkan.

ardamia · Post time 15-4-2008 09:11 PM

Salam...
Arda nak minta tlg pd yg terer/agen psl insurance ni yerrr...
arda se family insyaallah akan tggl di obc ..
co just bg insurance kat hb je.. so arda fikir nak buat insurance for me n my doter..
any agen bleh explain kat arda/hb..
klu bleh b4 end of mth..
tq

ibm632 · Post time 15-4-2008 09:54 PM

Originally posted by ardamia at 15-4-2008 09:11 PM
Salam...
Arda nak minta tlg pd yg terer/agen psl insurance ni yerrr...
arda se family insyaallah akan tggl di obc ..
co just bg insurance kat hb je.. so arda fikir nak buat insurance for me ...

Saya ada PM Arda , harap dapat respon dari Arda juga.

jenglut · Post time 15-4-2008 11:41 PM

Originally posted by phoebe at 15-4-2008 01:53 PM
after the long survey phoebe dah ada insurance for my whole family

i pick ING - why..i check with a few private hospital which medical card less hassle admit and cover most of the medical bil ...

ING tu ok Phoebe..tp lately ni kan ada kuar news yg 8 private hospital panel dia di KL kene tarik balik..so make sure u avoid these hospital using ING card:
Pantai Medical Centre, Gleneagles Intan Medical Centre, SunwayHospital, Assunta Hospital, Ampang Puteri Hospital, Tawakal Hospital,Prince Court Medical Centre and Damansara Specialist Centre

refer: Bernama

phoebe · Post time 16-4-2008 11:21 AM

jenglut tak silap bebaru ni 2 hari ke 3 hari lepas ING at last agree to pay it..dlm the star ahad rasanya..tak sure la.tp dorang dah agree balik lepas bertelingkah...tp yg ni bkn my agent yg ckp..i sendiri terbaca dlm paper ...hehe

anyway oklah kalo prubsn tu cover i just thought that every admission patinet need to pay at least min rm300 from the total amount bill.tu jela..i'm sure bed charge and food especially will profesional fee will be cover by insurance company. maybe some time they will not cover medical consumable, some procedure, medical misc etc.
tu pasal kekadang ada split bill between patient and insurance company ...and some patient complain if dorang kena bayo..for insurance i know they will get the itemised billing tu pasal leh ckp cover n tak cover kan

jenglut · Post time 16-4-2008 12:17 PM

Originally posted by phoebe at 16-4-2008 11:21 AM
jenglut tak silap bebaru ni 2 hari ke 3 hari lepas ING at last agree to pay it..dlm the star ahad rasanya..tak sure la.tp dorang dah agree balik lepas bertelingkah...tp yg ni bkn my agent yg ckp. ...

Oic..kalau dah jd panel balik bagus lahhh..Doctor nak boikott ING tuu agaknye..

Certain insuran co. (eg. MAA) dia claim no co-insuran..tp diorg ada co-payment..mcm u ckp tu..eg. limit utk duduk wad berharga RM100 per day..tp nak duduk superVIP wad yg bernilai RM400..then baru imposed co-payment which is 10% hospital (with no limit!) bil must be bear by policy holder..

Congrats for secure your family future with ING!

dafina · Post time 16-4-2008 12:23 PM

suka baca perbincangan antara phoebe ngan jenglut nie...leh tambah pengetahuan ku yg rabun insurans nie...
phoebe, jenglut nie my agen tau, so far, memang teramat lah senang deal ngan en. din/jenglut nie...

jenglut....jgn lupa payung erk...

jenglut...jawablah post pheobe tu, nak tau gak...

ibm632 · Post time 16-4-2008 01:45 PM

Pilih yg terbaik untuk diri sendiri ..... tapi jgn lupa cari yg gerenti renew...

ummiesya · Post time 16-4-2008 03:48 PM

ummi nak tanya, hubby, ummi, anak sulong and ke-2 ada ambil insuran prudential, apa beza dgn PruBSN sati co. or lain2. Yg ummi pasti selain dari takaful dgn tak takaful,

lagi satu adakah PruBSN bagi keuntungan tahunan mcm takaful yg lain2 tuh?

Sorilah kalau kat page blakang dah ada jwpnnya.. malas nak selak ke belakang

ummiesya · Post time 16-4-2008 03:56 PM

ummi nak tanya, hubby, ummi, anak sulong and ke-2 ada ambil insuran prudential, apa beza dgn PruBSN sati co. or lain2. Yg ummi pasti selain dari takaful dgn tak takaful,

lagi satu adakah PruBSN bagi keuntungan tahunan mcm takaful yg lain2 tuh?

Sorilah kalau kat page blakang dah ada jwpnnya.. malas nak selak ke belakang

phoebe · Post time 16-4-2008 04:39 PM

fina ..aky tanya apa aaa...aku pun dah lupa laa

..

no la i suka tanya n tambah nfo ni..when i work in the private hospital..which is sometime kat addmission la,sometime billing ,sometime kat account so memang macam2 ragam..lai2 kat front office tu..org2 yg buat billing tu kalo kena face ngan patient memang pening..dpt patient yg ok tak pe..kekadang dpt patient yg biol tu nak xplain pun susah if kata insurance tak kaver etc ...dorang membebel kat hospital pun tak guna pasal bukan hospital yg pakejkan insurance dorang..ntah apa2 kekadang...

tp penah ooo i dulu i kena xplain ngan patient pasal itemised billing...ketaq gak la ...muka cam serius pasal b4 that sorang dah kena marah

...nasib ok jek i xplain..one time la pastu aku tak buat dah keje2 tu..