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View: 357760|Reply: 1995
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[MERGED] -- All about insurance utk anak2
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Liz sedang mencari2 insurance terbaik utk anak. Liz amik AM ASsurance. Anak pula jika boleh taknak yg sama.
Pls advice. tq
[ Last edited by DARSITA at 3-3-2008 07:19 AM ] |
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dah try tgk MNI Insurance ke.....anak comei amek insuran ni...masa umur 2 bulan lagi dah amekkan...dalm RM45 je sebulan..matang bile umuq 18 tahun..kire kalu anak masuk U..ade le duitnye |
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Tu sedang survey2 Takaful nie. Any expereince yg lain.. ? |
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mix..yg awak amik am tuh ader benefits for ladies tak?like pregnancy complications ke haper ker....my company cover rm2500 utk delivery...kot kena admit ms pregnen tensen gak kan...
anak saya pakai pru...tuh saving+protection+medical.
lagik satu saya nak tanya,ada sesaper amik medical card ing(personal bkn company) tak?leh citer skit? |
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nak aku sorang takaful...sorang prudential... next one...tatau kampeni apa sebab tatau keluar bile..
ye ye je aku nii |
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kopi ambik takaful siswa ( takaful malaysia) utk anak2, masing2 $50 sebln. saving n protection also medical,
umur 18 blh ambik. kalo ditakdirkan parents yg bayo takaful ni meninggal seblm anak2 cukup 18 thn,pihak
takaful akan bayokan tiap2 bln sama mcm seblmnya sehingga anak2 18 thn. |
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mintak mahap...snoopy nak tanyer jer
insurance any insurance mmg leh percaya ker. sbb dulu late father snoopy masuk insurance, tapi bila time nak claim..susah giler...last2 tak dapet.so mak snoopy marah la kat anak2 dia yg masuk insurance.
saper dlm bidang insurance leh terangkan.
sbb exclusion clause kt insurance form tu kenkadang susah to understand. |
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betul tu snoopy! aku sokong sesangat!
aku dulu belikan life & study insurance utk anak aku... masa tu dia baru usia beberapa bulan. kebetulan masa umur dia 10 bln, we all dpt tau dia ada masalah salur jantung, so need operation... we all claim la insuran tu, tak dapat tau tak!
mcm2 alasan dia kata sbb masa lahir dah tau ada ura2 masalah salur jantung tu so mmg gerenti x boleh claim! yg jual insuran kat aku tu member plak tu! masa jual x ada inform pun x boleh itu ini... then aku mintak tolong dia jgn pandai2 ckp dari lahir dah tau ada masalah...pun tak boleh! dia kata org insuran bijak, akan siasat fail hospital! kalau ada doktor yg bersubahat, doktor tu yg kena gantung lesen!
then member aku tu mintak aku "disclose" case anak aku ni... konon maksud dia, biar pihak insuran uruskan siasatan... so, start dari tarikh disclose case tu, payment semua dihentikan.
tapi, pale hotak dia! aku cek punya cek, 2 bulan dari start siasatan tu, dia still auto debit akaun aku sampai aku sedar dan inform diorang. then, konon diorang nak return duit aku yg 2 bulan tu, sampai hari ni lesap ntah ke mana!
dah tu bleh plak kawan aku tu cakap "u still can continue this insuran, KECUALI, anything happen babitkan jantung anak aku, CANNOT CLAIM!"...
apa ke bodoh diorang tu? sah2 anak aku sakit tang tu, tentu la kalau jadi apa2 lebih kepada jantung...betul tak? tapi siang2 dia bg statement jantung x boleh claim! so, apa guna aku beli insuran untuk anak aku?!! |
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aku skang bepegang pada kata lecturer aku dulu... hidup is hidup, mati is mati...tak yah nak insuran2 ni...
lagi pun insuran ni bkn bleh sebarang2 beli... kalau terdetik di hati kita nak dpt "pulangan" lepas tarikh matang... ha... tu da lain... halal haram korang pikir la...aku pernah dengar pasal ni tapi aku tak nak komen apa2... coz aku bkn alim ulamak... tak layak buat penilaian.
lagi pun penah gak aku terangkan hal ni pada kawan aku tapi pot pet pot pet mulut dia tak henti nak menegakkan kebenaran niat dia kononnya la sbb dia ada beli insuran! so, malas la nak berat2kan kepala.. |
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Originally posted by snoopy at 5-1-2006 04:06 PM
mintak mahap...snoopy nak tanyer jer
insurance any insurance mmg leh percaya ker. sbb dulu late father snoopy masuk insurance, tapi bila time nak claim..susah giler...last2 tak dapet.so mak snoopy ...
tu pasal sblm tandatangan kena betul2 faham dia punya isi kandungan.
Dan jika nak boleh request BM punya klausa.
honeybee.. takde cover.. dia kata boleh beli time kita 6-7 bulan pregnant.. then cover la. itu short term jer.
lagipun company liz ada bagi Rm2.5k utk deliver baby. |
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parents have to understand...insurance doesn't cover diseases related to congenital.cuba check balik terms n conditions.even u br beli,then dia akan kasik let say 2minggu masa bertenang.nak teruskan bleh,kalo tak berkenan leh tolak.even rsnyer kalo anak yg tak ckp bulan certain insurance dia akan nak medical report from a paed.yg aku tau kalo penyakit let say jantung yg berlaku b4 2yrs old kebykan insurance takkan cover.u have to understand they are doing business after all.
lgik pasal claim plak...insurance biasa le diaorg akan strict.as long as u provide the document needed insya Allah senang le dpt claim.ini pentingnyer agent yg committed...kalo tak kite yg kena uruskan seme...
kak deli...try le tanya great eastern ngan ing plak...company kite ing utk medical,mcm senang urusan dia. |
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Saya 1st baby amek Takaful Ikhlas sbb my pakcik agent... baru2 bersalin dah propose.. anak 2nd amek Prudential... Ramai yang kata Prudential OK sbb medical card cover sampai 150000... Tapi taktaulah, semuanya terpulang pada masing2.. |
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aku pulak financial consultant utk insurans nie.. aaa sesiapa berkenan blh la contact aku... |
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Originally posted by honeybee1802 at 5-1-2006 04:33 PM
parents have to understand...insurance doesn't cover diseases related to congenital.cuba check balik terms n conditions.even u br beli,then dia akan kasik let say 2minggu masa bertenang.nak teruska ...
honey... kite mmg pakai great eastern utk diri sendiri... 2 policy lagik sebab agent tu xrumet kite dulu... keh keh keh |
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deli...ko dah pakai byk2 insurans nie...mana yg bagus pada pengalaman dan firasat ngko??
aku dulu pakai prudential...tp aku dah stop lar sbbnyer biler kira2 balik, item2 yg not cover tue sumer item2 penting yg patotnter being covered...tp biler baca balik..pandai org insurans nie....yg patot kena cover tue lah dier dah masok dlm exclusion item awal awal......kalau nak, top up premium lain....cth cam breast cancer, ovari dlll penyakit org pompan..... |
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Originally posted by tina^^ at 5-1-2006 06:00 PM
deli...ko dah pakai byk2 insurans nie...mana yg bagus pada pengalaman dan firasat ngko??
aku dulu pakai prudential...tp aku dah stop lar sbbnyer biler kira2 balik, item2 yg not cover tue sumer ...
yg pompuan2 punye tu...ovarian cancer..even SLE..selalunye mmg kene amik yg khas utk ladies... or yg great eastern punye medical insurance, mmg pompuan bayar lebih sebab dia masukkan sume tu... tp aku tak amik medical insurance so tatau details...
rase cam sama je mana2 pon... tah le |
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Originally posted by Delifrance at 5-1-2006 06:07 PM
yg pompuan2 punye tu...ovarian cancer..even SLE..selalunye mmg kene amik yg khas utk ladies... or yg great eastern punye medical insurance, mmg pompuan bayar lebih sebab dia masukkan sume tu. ...
ooo..ko x amek medical insurance...ko amek aper ek?
yg utk insurance anak2 tue...since ko dah pakai 2 yg berbeza wic of wic yg ko rasa worthy?? |
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Originally posted by tina^^ at 5-1-2006 06:24 PM
ooo..ko x amek medical insurance...ko amek aper ek?
yg utk insurance anak2 tue...since ko dah pakai 2 yg berbeza wic of wic yg ko rasa worthy??
silap..sepatutnye aku tulis "aku tak medical insurance tu"....aku nye GE..satu aku amik index linked fund yg tagged dgn medical benefits sekali so ade la medical card..satu lagi cash endowment plan.... specific name aku tak ingat...
anak2 aku punye.... bezanye apa ek... ntah la tina... aku rasa sama aje... sebab sekarang dok bayarr aje..benefitnye blom pakai lagi so tak nampak differencenye... lagi pon yg amikkan dua2 mende ni bapak dorang aku apa pon okayyy je, janji ade so that one day we have something to fall back on esok2 bile nak sambung belajar... kalau dorang high flyers (aminn) and tak perlu kan duit insurance tu..leh la simpan je utk downpayment umah dorang ke kete ke apa2 ek.. gitu je aku pikir (tak pon bagi mak bapak gi jalan  ) |
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By the time anak akak 6 bulan terpandang MNI insuran Along... rasa2 Ok sebab simpanan... tak hangus macam PA...
La ni Takaful kan lebih menjurus kepada keIslaman... so belikan lagi dia yg TN Sarjana?! so far OK... masa hubby admit hospital... claimed OK aje... cepat! as long as all supported document attached...
OK, terpulang... tapi kan lebih elok kalau yg lebih Islamic...?! |
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deli...sbb ko mcm dah lamer pakai GE..so aku nak bertanya soklan le kat ko...tp bkn insurance anak..tp utk emaknyer..hehe..
1.yg ladies tuh...kalo pregnancy complications apo yg dia cover?pehtu validitynyer baper lama?(aku rs standard memaner insurance kot)
2.ko penah pakai medical card tuh tak kat spital..amacam senang tak?
3.pehtu GE nih ada investment yg islamic tak? |
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Post time 5-1-2006 10:08 AM
变色卡
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