[MERGED]Medical Card/Insurance Kesihatan...... What U should know...

mazz2009

  server prblm tadi tu post byk.....
nk call mcmne?

ayumi_takashi

sy ade 2 medical card & both card is under maa. 1 ialah sy punye own medical card & lg 1 company sy yg sponsor.
sy dpt surat refer dari klinik panel utk jumpe pakar orthopaedic.
so last saturday sy pun gi la KPJ Seremban.
doc srh sy admit coz tulang blkg sy ade problem & sy kena wat MRI n also fisioterapi.
doc pun faxkan la medical report kat MediExpress & malangnye kena reject.
even 2-2 medical card sy pun x diterima gak oleh MediExpress.
sy rase kecewa sgt coz sy ingatkan dgn ade medical card ni senang la urusan sy utk masuk hospital rupanye sy silap.
da la tu sy kena kuar duit sendiri utk byr duit ubat & duit consultation.
last2 sy pun x jd nak admit & skrg sakit2 pun kena keja gak.
sy ingat nak cancel medical card sy tp sy da byr utk tempoh 1 thn. kang rugi lak so terpaksa la truskan gak.
skrg rase nyesal sgt. huhuhu...

jenglut

Originally posted by ayumi_takashi at 25-2-2008 06:45 PM
sy ade 2 medical card & both card is under maa. 1 ialah sy punye own medical card & lg 1 company sy yg sponsor.
sy dpt surat refer dari klinik panel utk jumpe pakar orthopaedic.
so last saturda ...

Saya tau sbb apa medical kad awak kene reject..Sbb medical kad awak tuh bukan MAA punya tp third party punya iaitu drp MediExpress..eg. MAA kata dia cover, tp MediExpress kata dia tak cover plak..
sbb tu dia tak nak cover..sbb saya penah dpt klien x-MAA pasal mende nih..trus bertukar ke Pru..

Doctor orthopaedic kat KPJ Seremban Specialist tu saya rekmen jumpa Dr Wan Hazmy..

Pru menggunakan medical kad buatan sendiri..dan bukan third party..so tiada masalah dlm claim

ibm632

Itu masaalah nyer kalau pakai Medical Kad yg 3rd party punya ... memang banyak 3rd Party medical kad kat Malaysia ... tapi kita kenaambik kira Medical kad mana yg diterima oleh Hospital itu yg paling penting ....

Tapi kebanyakan orang kita bila saya tekankan pasal 3rd party ni dia orang tak kesah ...yg dia orang ckp ambik 3rd party sebab murah ...

kalau tak claim tak aper tak rasa nyesal lagi ... tapi kalau dah claim mmm... susah woooo .... tambah2 penyakit yg kita ada tu insuran dah blacklistkan penyakit tu ...

Originally posted by ayumi_takashi at 25-2-2008 06:45 PM
sy ade 2 medical card & both card is under maa. 1 ialah sy punye own medical card & lg 1 company sy yg sponsor.
sy dpt surat refer dari klinik panel utk jumpe pakar orthopaedic.
so last saturda ...

ayumi_takashi

yup, u r right. mediexpress ckp x approved pastu maa ckp leh approved. sudahnye sy pun x dpt nak admit. sume tu wat sy jd makin confused. time beli dulu agent x ckp pun psl 3rd party & sy beli atas dasar persahabatan. x sangka lak jd camni. da la staff mediexpress tu kurang ajar. x leh nak ckp nicely kat customer. rase cam nak complain kat manager dia je. staff2 kat KPJ Seremban mmg baik & sy jumpe dgn doc wan hazmy. he's really nice n soft spoken. skrg ni sy tgh fight utk dptkan hak sy. tgk la camne nanti...

mesmerize

cemana nak tahu medical card tu third party ke bukan?

ibm632

Tapi masih ramai lagi tak tahu nak bezakan qualiti antara medical yg original dan medical kad 3rd party ...
Memanglah sesetengah medical kad 3rd party murah ... dan disebabkan murah tu lah ketidakpercayaan client terhadap medical kad masih kurang ..

jadi nasihat kepada orang yg sedang mencari medical kad ... pilih yg berkualiti...

Originally posted by ayumi_takashi at 26-2-2008 10:27 AM
yup, u r right. mediexpress ckp x approved pastu maa ckp leh approved. sudahnye sy pun x dpt nak admit. sume tu wat sy jd makin confused. time beli dulu agent x ckp pun psl 3rd party & sy beli at ...

jenglut

Originally posted by ayumi_takashi at 26-2-2008 10:27 AM
yup, u r right. mediexpress ckp x approved pastu maa ckp leh approved. sudahnye sy pun x dpt nak admit. sume tu wat sy jd makin confused. time beli dulu agent x ckp pun psl 3rd party & sy beli at ...

Ohhh Ok..yg penting sakit pinggang awak dah ok..

Next time, kalau interested utk carik medical kad..carik saya kay..

p/s: kem salam saya pd Dr Wan Hazmy..ckp Din x-Smit&Nephew, dia sure kenal punye..

ibm632

Ishk ...  Harap u menang laaaa... then lepas tu boleh contact saya ...

jenglut

Originally posted by mesmerize at 26-2-2008 01:03 PM
cemana nak tahu medical card tu third party ke bukan?

Nak tau medical third party atau bukan senang jek..

U belek medical card awak tuuhh..dia mesti ada lambang syarikat insuran/takaful kat kat tuhhh..

Tp kalau awak belek2..tp nampak lambang selain drp syarikat insuran/takaful tu..haaa itu medical kad third party

contoh: syarikat insuran A..tp dia beli medical card drp third party B..then syarikat insuran A jual this medical card third party B pd public..
            so thats y, kat medical kad tu ada lambang logo third party B instead logo syarikat A

Kalau di PruBSN, rupa medical kad kami with logo PruBSN:

ayumi_takashi

thanks guys!
pas da argue dgn mediexpress baru la diaorg approvedkan medical report sy. pg td kpj call & ptg ni insyaallah sy admit. sok wat mri lak. nanti sy smpikan salam en. jenglut kat dr. wan hazmy.

jenglut

Originally posted by ayumi_takashi at 28-2-2008 09:56 AM
thanks guys!
pas da argue dgn mediexpress baru la diaorg approvedkan medical report sy. pg td kpj call & ptg ni insyaallah sy admit. sok wat mri lak. nanti sy smpikan salam en. jenglut kat dr. w ...

Alhamdulillah! Patutnya ejen awak yg patut argue/defence utk awak..ini awak plak..kesiannn..

takpe lah, mudah2an rawatan awak berjalan dgn lancar & cepat sembuh yerr..

jenglut

dbl post..sorry

ibm632

Harap kawan yg lain boleh ambik pengajaran .... Betul tak Din

jenglut

betul tu Brahim..sbb memang tugas kita beri pengetahuan utk mereka yg masih 'blur' tentang insuran

aku pun 'blur' jugak dulu..

ibm632

Originally posted by jenglut at 28-2-2008 10:48 AM
betul tu Brahim..sbb memang tugas kita beri pengetahuan utk mereka yg masih 'blur' tentang insuran

aku pun 'blur' jugak dulu..

Aku dulu bukan takat blur ...tapi anti Insuran ....

ibm632

Tapi bila tengok ejen adik ipar aku asyik dok bagi cek beribu-ribu ringgit selepas dia operate lutut main bola...

zan46

Saya nak tanya sikit, kalau kita buat housing loan RM 252k for 30 years.
Instead of MRTA, I want to take a insurance (coverage of RM252k for the whole tenor) with MC.
If with MRTA, I will lost about RM 13k.

How much should I pay for the insurance? or any other advise?

Sama ke Mortgage insurance tu dengan Life Insurance?

ibm632

Kalau dgn MRTA U'll loss 13k ...tapi dgn Takafulink ... U dapat duit saving dgn Sum Insured sekali..

ibm632

Ada sesetengah prospect saya  tangguh untuk ambik Medical kad utk anak sehingga lah anak masuk wad baru lah dia mintak nak sign form utk Takafulink yg bermedikal kad... tapi apa yg saya boleh bagitau dia yg penyakit yg anak dia hidapi sekarang kemungkinan besar tak tanggung dah lepas ni..