Korang ada insurance tak?

Hi dear,

I dh lama tak hapdet blog. Sbb PC i kena block utk personal website. Byk sgt bukak blog la tu. hahah. Tp hari ni boleh pulak. So amik kesempatan la i menghapdet and marathon baca blog uols.

Td time lunch I g visit my Brother-in-law. Dia masuk hospital sbb batu karang. Ptg ni operation. Private hospital, mmg cepat la kan. Kalau govt, sehari dua jgk tgu turn. Diorg ada insurance + medical card sume tu. Yearly RM6k++ utk husband, wife and a daughter. Dlm hati I, nasibbaik ada insurance. Kalau tak berguling2 la sakit. Mcm my sister. Kena apendix. Dr hospital kulai tansfer HSA, tgu cek sehari, 2 hari, hari kedua tgh2 mlm br dpt operation. Tu pun sbb mak i dok mengekor doktor mintak tolong cepat. I baru keje masa tu, duit pun tak byk nak mintak tranferkan ke private. Parent i pun tak berani, takut tak tertanggung kos nye. Kalau govt, operation mcm tu, br byr 100++ jek. Sedih gile masa tu.

Nasib baik company I cover insurance utk employee and spouse. Company husband pun cover jgk, tp cover utk diorg2 jek. Lgpun coverage diorg minimum and limited. Company I, cover everything kecuali giving birth jek la. Ada company cover utk beranak jgk kan. tu lg untung. Kat comapany kitorg, utk cover spouse and kids kena byr jgk la monthly. Byr RM1.90/month. Murah gile kan. Tp i asyik duk delay jek registerkan utk hubby. Tp dah register dh td. Lega..hahaha. Cost masuk private hospital, pergh mmg tak terjangkau dek akal la. Mcm I hr tu, g jumpa O&G, cek tak sampai 30 minit. Ubat beberapa papan. RM400. Tp tak dinafikan la servis diorg much2 better. Bilik doktor and doktor nye pun best. Kalau nurse tak senyum harus kena pang sekali. hahahah

I bukan penjual insurance ok. Apatah lg nak promote beriya. Tp I rasa sgt perlu insurance ni sbb medical cost sgt la mahal skang ni. Lepas tu pulak, penyakit skang ni dtg tak tentu hala. Muda ke tua ke, perempuan ke lelaki ke. Senang2 jek nak dapat penyakit skang ni. bukan ape, bila kita ada insurance, atleast kalau kita sakit kita tak susahkan org sekeliling.

I mmg tak jual insurance, tp i handle corporate insurance utk company i. So byk la company2 insurance ni dtg promote product diorg kt I. Company kitorg pki ING. So far OK. Senang nk claim sume. Cuma i tgh mengira2 utk add-on pakej yg company provide ni. Nak add-on Prime female care. Cover penyakit2 kritikal utk woman and maternity semua. Lain company lain yg diorg offer. Mcm MSIG diorg panggil plan utk perempuan - Ladies lifetime protection. Cover RM50k, Pregnancy risk, conginetal anomalies of newborn baby and etc yg berkaitan dgn wanita. Monthly around RM125, ikut umur. Skarang ni pun ada pakej Insurance protection + saving la, mcm2 lg la.

Tp dgn insurance ni, tolong la berhati2. Pastikan ape yg kita nak, tu yg kita dpt. Diorg nye wording sgt la complicated. Make sure paham betul2. Jgn percaya bulat2 kt org yg jual insurance tu. Kalau company tu bg premium rendah, tolong la cek. kang masuk spital sume diorg tak cover. Katanya claim utk kematian jek. Dah mati baru dpt hokey. Lepas tu, mati pulak sbb tak dapat proper treatment akibat tak cukup duit. Pergh, mmg menyedihkan.

Ni just sharing jek la ye dear. Kita ni kadang2 bulan2 spend beratus2 utk shopping. why not kita allocate sikit utk our health protection. Mmg la kita harap kita ni sihat sentiasa. Tp kalau tibe2 sakit mcmana? Atleast dh ada la payung nye kan. walaupun kadang2 terkena tempias. Ceh berbahasa bahasi gitu u..huhuuuh.

Bak kata Dato' Michelle Yeoh dlm iklan anlene, Women is a backbone of her family. Then another sentence dia ada mention, Woman is a pillar in a family. Yes exactly.