Medical-card Insurance - Need advise

hasribus

Originally posted by selaTan at 30-4-2008 12:48 PM
berapa lama boleh dapat simpanan 4000 kalau mencarum 150 sebulan?dividen tinggi?

hello...
nampak soklan awak neh menarik...saya nak mencelah sikit....

first and foremost, sumbangan RM150 tu ada insurance cost....so bukan bulat bulat 100% masuk sebagai simpanan. dividen tinggi or rendah, yr cash value actually depends jugak on these few factors:

1) yr insurance coverage....kalo masukkan byk riders or coverage tinggi, then yr cash value rendah
2) yr age and health condition...sebab kalo muda yr insurance cost is cheaper. Also if u ada existing condition, maka loading akan di impose...

My advise...take PruBSN Takafulink with the priority for medical coverage. Don't take it dengan mindset nak pulangan tinggi...

Anyway, trust us...(ibm, jenglut and myself )...Takafulink dengan Takaful Saver is a fantastic product kalo ko masukkan rider contributor and Takaful Saver Contributor...memang fantastic, especially for children education planning.

For further details kepada sapa yg berminat, fell free to PM us....

ibm632

Better buat potongan gaji atau potongan akaun bank lagi senang... tak nampak sgt ....

selaTan

terima kasih beri penjelasan.tq

jenglut

..dan tidak semua rawatan di hospital gomen itu percuma utk kakitangan awam..



bertindak lah hari ini..lindungi simpanan anda..

im.

tak sangka yer.

ingatkan semua rawatan kat hospital gov tu free. lebih2 lagi kaki tangan kerajaan.
in la. pelik tapi benar.

mungakin kes kat atas ni berlaku 1 dalm seribu kut. rasa2 nya la.
first time aku dengar ni

hasribus

Originally posted by im. at 5-5-2008 03:34 PM
tak sangka yer.

ingatkan semua rawatan kat hospital gov tu free. lebih2 lagi kaki tangan kerajaan.
in la. pelik tapi benar.

mungakin kes kat atas ni berlaku 1 dalm seribu kut. rasa2 nya la ...

pernah dengar tak org sakit pi hospital kerajaan, tp depa bagi "temujanji" selang next few weeks or months?

ibm632

Ada sesetengah orang tak kesah pasal keselesaan ..... bagi mereka tak selesa pun tak apa asalkan free .... mereka kata rawatan nyer pun sama...

iena_kindaichi

haku dah amik dah....ermm bayar bulanan rm 200... katalah kalau tak jadik apa cam kritikal ilness + kemalangan biasa + kurang upaya....apa yang aku bleh claim ekk....bleh dapat info kat sinie...tq...

jenglut

Originally posted by iena_kindaichi at 9-5-2008 02:25 PM
haku dah amik dah....ermm bayar bulanan rm 200... katalah kalau tak jadik apa cam kritikal ilness + kemalangan biasa + kurang upaya....apa yang aku bleh claim ekk....bleh dapat info kat sinie...t ...

Hi  iena_kindaichi,

Insuran is like "tossing a coin"..either 'kepala' atau 'bunga', u still win both..
cuma samada menang kecik atau besar..

If we survived sehat sampai matang, then kita menang kecik (ada simpanan)..
If we jatuh sakit etc, then kita menang besar (ada pampasan)..

Congrats for securing your income to fulfilling your retirement! Moga2 sehat selalu & di jauhi musibbah..

regards,

iena_kindaichi

oh yer ker....hmm makasih penerangan tuh.... haku umur 26... skang nie...mujurlah ada amik insurans...manalah tau malang tak berbau kan....selain tuh pun haku amik prulady....dulu takder protection tapi aku nampak cam ada shield jer.... hahahah

ibm632

Waaa... full covered tu .... berapa sebulan yg U allocate utk tu

iena_kindaichi

hmmm cara aku saving mmg kritikal + extreme sekalik....haku takder kete...dok ngan family...so bulan-bulan ....

la nie dah 26 thn.... dah buat since tahun 2006....
salary nett = RM 2500 (Alhamdulillah)

aku bayar = RM 600
*ptptn (ntah biler ler nak habis nie), parents (wajib bagi ... takkan nak dok free), prepaid (nie mmg bleh tahan sampai 2 bulan sebab main msg jer), barang dapo (haku tolong skit-skit), kredit kad (haku guna time otstesen...dapat claim bayar balik..kengkadang terbabas gak..tapi ada limit...), public transport (naik bas jer)= RM 600

aku simpan = RM 1350
*7 (5 banks + 2 amanah saham ) = RM 700
*1 invest ? assurance = RM 200
*1 invest + insurance (medical card) RM 200 + prulady RM 50 = RM 250.00
*4 kaunter public mutual = RM 200 (yang nie tgk kaunter...mana rega paling rendah aku topup...tak buat SI)

aku make sure ada satu bank untuk aku berpoya-poya + ot stesen ...selalunya aku fixed RM 500.... tak termasuk dalam senarai 7 tadik...

so kalau disiplin tahap dewa bleh ler simpan RM 15k setahun ..... InsyaAllah....

ibm632

Banyak nyer saving ... utk insuran pun tinggi jugak tu ...

iena_kindaichi

alhamdulillah.....mungkin sebab tak pakai keter dan dok ngan parents so takder ler banyak sgt tanggungan..... hmmm pasal insurance tuh bleh mintak reduce ker...??

ibm632

Rasa nyer dah ideal dah tu .... proceed ajer...

jenglut

Sedikit berita gossip insuran kemalangan Darling (Nasreen Ngasri), artis kita..



**FYI: Darling ada AIA medical card, Mak Darling ada Prudential medical kad

Ari tu kan dia eksiden kat Seremban..Darling & famili (mak & adik dia) dikejarkan ke hospital gomen Seremban..disbbkan terlalu lama menantikan doctor....Mak Darling pun 'mendidih'

Apalg, dia trus call ejen Pru..heheh..arrangekan ambulan Tawakkal amik diorg sume dr Seremban ke Tawakkal..bil ambulan Pru bayar RM300 jek..

Total bill medical mak Darling almost RM13K..Pru bayar

Total bill Darling almost RM11K..AIA bayar

Moga mereka cepat sembuh!

hasribus

Originally posted by iena_kindaichi at 12-5-2008 01:29 PM
hmmm cara aku saving mmg kritikal + extreme sekalik....haku takder kete...dok ngan family...so bulan-bulan ....

la nie dah 26 thn.... dah buat since tahun 2006....
salary nett = RM 2500 (Alh ...

hi iena...
memang menarik sharing u....
tahniah atas kesedaran dan inisiatif iena utk menabung, melabur dan mendapatkan plan insuran/takaful...

only thing is, for a commiited plan like insurance/takaful, personally kalo haku advise client haku, probably RM450 is a little on the high side.
Naper? First and foremost...at 26 years young, byk lagi commitment lain yg iena belum ada, tapi pasti ada. contohnya, getting your own car...petrol, maintenance, parking etc; getting married and having kids, beli rumah etc...
So, bila tiba masanya commitment mcm ni timbul, would u be able to sustain RM450 monthly premium/contribution ? If you stop yr monthly simpanan in the bank or investment in unit trust...it's takde kerugian...as compared to surrendering an insurance policy/takaful certificate.

I wud advise my clients to name their priorities before committing to an insurance/takaful plan. Cth, for a specified budget...what is a clear cut priority in a takaful/insurance protection yg di cari? Getting/leaving a large amount of money in the event of death/36 critical illness/tpd, or to get a more comprehensive hospitalisation plan?

Mcm baru baru neh...one of my prospect reduced his monthly budget RM1000 for his takaful plan to RM500...tu pon RM300 + RM200 Takafulsaver. Reason because haku advised him on his unforeseen future expenses and do not want him to lose out, plus a few other factors yg aku rasa not very favourable for him as a 24 year old single businessman.

Sorry ek Iena...just my opinion and sharing....anyway each situation is very unique from each other.

[ Last edited by  hasribus at 14-5-2008 08:09 PM ]

jenglut

kalau u nak reduced bole but make sure it's cover all the essential coverage..

the best insurance policy is polisi yg masih inforced..dan bukan brapa besar nilai premium itu..

iena_kindaichi

setakat nie tak nak ler reduce lagi... hmmm yang rm 250 tuh mmg prudential...yang lagik rm 200 tuh am assurance...yearly rm 1500... kalau bulan-bulan tgk ler bayar berapa tapi mesti bayar amaun tuh gak....kalau dah cukup setahun baru ler rasa lega sket...cepat bayar lagik bagus....

tapi kalau nak terminate yang amassurance tuh sayang...hmm baik teruskan yer tak...

selaTan

bagi saya insuran sebagai tempat perlindungan nak keuntungan cari tempat yang sesuai dan memberi pulangan.beli insuran hanya yang perlu sahaja.

[ Last edited by  selaTan at 15-5-2008 11:46 PM ]