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[Tempatan] Nak tanya pasal insurans

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Post time 26-3-2019 02:31 PM | Show all posts |Read mode
Hi semua, baru2 ni saya dapat call dari pihak insurans utk cover kemalangan sahaja, murah je dalam RM69 je sebulan utk cover suami/isteri. sebab sy n isteri pergi keje naik motor je, berbaloi ke kalau sy nak ambil? antara benefit yg sy sempat capture dari perbualan dgn agent tu kat bawah ni:

Kematian = 300k / khairat kematian 6k / mati luar negara 6k
lumpuh = 400k, kalau dua2 suami isteri lumpuh anak2 dpt = 800k
lumpuh separuh = 200k
Buta = 300k / sebelah mata 150k
Pekak = 300k / sebelah telinga 60k
Hilang sepasang kaki,tangan = 300k
Hilang 1kaki/1tangan = 150k
Ambulans = 500

Masuk Wad = sehari 200

minta pendapat rakan2

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Post time 26-3-2019 02:44 PM | Show all posts
Ok je tu tuan..
insurans kemalangan mmg murah..
Yang penting bila dpt polisi, baca dulu betul2 polisi tu.. apa yang tak cover..
Kalau tak berkenan, boleh pulang balik polisi.. biasa insurans ada free-look period, dimana pencarum ada beberapa hari utk review polisi dan jika tak nak boleh return and dpt blk apa yg kita dah byr..

btw, kalau ni insurans, manfaat kematian tu perlu diagihkan seperti biasa mengikut faraid ye.
kalau takaful, tanya penama hibah ada tak? sbb kalau hibah, manfaat kematian tu akan dpt 100% kpd siapa yg kita letak penamanya...

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 Author| Post time 26-3-2019 03:01 PM | Show all posts
adamalek replied at 26-3-2019 02:44 PM
Ok je tu tuan..
insurans kemalangan mmg murah..
Yang penting bila dpt polisi, baca dulu betul2 pol ...

terima kasih atas pandangan, mengikut agent tu ni takaful, dan tak pasti plak psal pembahagian tu.. takpe nnt sy call tny pembahagian tu boleh letak hibah atau automatik jadi faraid.
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Post time 26-3-2019 03:13 PM | Show all posts
panggilan dr bank yg menyamar pihak insurans ke ?   

iols penah dpt call camni ...  dah tanya bbrp pihak,  ada yg ckp benar ...   ada yg ckp insurans palsu  ...  ntah nak caya pihak mana

ada siapa kat ni boleh kasi cadangan
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Post time 26-3-2019 03:15 PM | Show all posts
jgn caya la segala benda offer ikut call.

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Post time 26-3-2019 03:21 PM From the mobile phone | Show all posts
Kalo sy, sy x prefer amik insurans melalui call mcm tu. Sy lebih suka ada agent. Apa apa hal sy blh call dia. Kalo x paham dia dtg jmpa sy dan akan terangkan smpai paham

Satu lg, sblm amik mana mana insurans baik kaji dulu syarikat tu mcm mana. Mcm sy dulu 7 taun sy pk nk amik syarikat mana. sy rs pudential bsn yg ok. Skg dh nk masuk 8 taun sy guna prudential, sy dapati cuepec care ada tawarkan insurans yg lebih berbaloi. Jadi sy amik yg cuepec tu dan bakal terminate yg prudential.  Kalo terminate brapa sen sgt yg sy dpt. Walopun bayar sbulan 182. Tp redha jela. Sbb insurans ni mmg mcm tu.

Harap tt jgn mudah terpedaya dgn murah. Sbb bila murah ada part yg tt akan dapat sikit sbenarnya

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Post time 26-3-2019 03:21 PM From the mobile phone | Show all posts
Edited by FanTasyCreaTioN at 26-3-2019 06:47 PM
- double post
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Post time 26-3-2019 03:22 PM | Show all posts
better jumpa agent insurans tu terus klu ada yg kenal utk tanya betul ke tidak segala benefit tu..klu dari call ni semua mulut manis..

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 Author| Post time 26-3-2019 03:25 PM | Show all posts
zjen replied at 26-3-2019 03:13 PM
panggilan dr bank yg menyamar pihak insurans ke ?   

iols penah dpt call camni ...  dah tanya bbr ...

tak sure menyamar ke ape sbb dia call offer insurans, tp dia tak mintak details pun just sharing benefit from their insurans. lepas tu dia ckp akan call lg klu sy n accept n buat pemotongan guna account bank je
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 Author| Post time 26-3-2019 03:27 PM | Show all posts
cekgihani replied at 26-3-2019 03:21 PM
Kalo sy, sy x prefer amik insurans melalui call mcm tu. Sy lebih suka ada agent. Apa apa hal sy blh  ...

yg sy musykil sy ckp sy nk pkir dlu n mcm tertarik la dgn tawaran dia. sy ckp nnt bg no phone sy nk call balik, then dia ckp xpayah call dia nnt dia call balik jumaat ni utk kompomkan yg sy nk accept insurans tu.. nama insurans dia Etiqa Takaful Privilege Personal Accident
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 Author| Post time 26-3-2019 03:28 PM | Show all posts
myakayina replied at 26-3-2019 03:22 PM
better jumpa agent insurans tu terus klu ada yg kenal utk tanya betul ke tidak segala benefit tu..kl ...

dia tak bagi no phone, just ckp akan call balik utk accept the offer, dia kata sy pelanggan maybank lama tu psl dpt offer ni
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Post time 26-3-2019 03:33 PM | Show all posts
Edited by abdulariff at 26-3-2019 03:34 PM
ruffboyz replied at 26-3-2019 03:28 PM
dia tak bagi no phone, just ckp akan call balik utk accept the offer, dia kata sy pelanggan mayban ...

RM69.00 untuk coverage sebanyak tu macam terlalu "baik". Ditambah tak bagi no fon dan nama boleh ditipu. Andai penipuan, susah nak trace balik.

Better ambil melalui agent, andai kata dapat surat duit tak bayar / berlaku kemalangan selepas ambil insurans, agent boleh tolong uruskan segalanya. Takkan kita yang accident / dah meninggal nak pergi buat segalanya?

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Post time 26-3-2019 03:38 PM | Show all posts
ruffboyz replied at 26-3-2019 03:28 PM
dia tak bagi no phone, just ckp akan call balik utk accept the offer, dia kata sy pelanggan mayban ...

rasanya tu dari bank..bukan dari agent insurans.. jenis yg randomly tengok record banking customer utk jual insurans..dia dpt komisen klu customer accept.. patutnya u ambik no contact dia dan nama..boleh je check tu betul atau scammer..

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Post time 26-3-2019 03:41 PM From the mobile phone | Show all posts
ruffboyz replied at 26-3-2019 03:28 PM
dia tak bagi no phone, just ckp akan call balik utk accept the offer, dia kata sy pelanggan mayban ...

Ayat “bg menghargai pelanggan bank dot dot dot kami menawarkan skim perlindungan....” mmg slalu sy dapat dpt Ruff. Xde special pun. Trick dia je tu.

Pastu xnk bg no fon dia kt awk plk. Maksudnya lepas awk trima je insurans tu, kalo ada apa apa pandai pandai sdri la awk nk claim. Itu yg sy paham la.

Sy bukan apa, kesian jgk. Kt tmpat sy keje ni pun ramai yg kena. Agent cakap dh 3 tahun akan dapat cash back. Brapa x igt. Tengok2 xde pun.

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Post time 26-3-2019 04:04 PM | Show all posts
cekgihani replied at 26-3-2019 03:41 PM
Ayat “bg menghargai pelanggan bank dot dot dot kami menawarkan skim perlindungan....” mmg slalu  ...

Betul la tu, kalau ada apa-apa claim sendiri.

Kalau claim sendiri, silap2 tak buat lagi2 kalau duduk di Perlis, company insurans di KL.

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Post time 26-3-2019 04:25 PM From the mobile phone | Show all posts
ruffboyz replied at 26-3-2019 03:27 PM
yg sy musykil sy ckp sy nk pkir dlu n mcm tertarik la dgn tawaran dia. sy ckp nnt bg no phone sy n ...

Baik kau pergi aje office Etiqa...
Berurusan di kaunter.
I suka insurance etiqa ni.. Utk kereta la.
Sebab in case tayar kereta pancit pun boleh call depa mintak tolong... Free service tukarkan tayar..
Kalau masa tu nak kena tampal tayar cuma charge rm10 aje...
Towing free unlimited... Dulu ada limit 200km radius tak silap.

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Post time 26-3-2019 04:29 PM From the mobile phone | Show all posts
sarahmirza replied at 26-3-2019 04:25 PM
Baik kau pergi aje office Etiqa...
Berurusan di kaunter.
I suka insurance etiqa ni.. Utk keret ...

Ye..setuju.insurans kereta etiqa memang best. Kalo etiqa takaful, kalau kita xde claim setahun tu, habis tempoh insurans die akan pulang balik duit kita (ada % portion la).

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Post time 26-3-2019 06:17 PM From the mobile phone | Show all posts
baik pi direct ke mane2 agent tu sendiri dr berurusan dlm telefon...nti ape2 nk claimed payah..kalau kite tau sape agent, sng ape2 nk refer kemudian hari..


nk insurans, jmpe muke ke muke..

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Post time 26-3-2019 06:19 PM From the mobile phone | Show all posts
cekgihani replied at 26-3-2019 03:21 PM
Kalo sy, sy x prefer amik insurans melalui call mcm tu. Sy lebih suka ada agent. Apa apa hal sy blh  ...

cuepec care sebulan brp sis byr? i amek gk prudential..kalau terminate, kire burn gitu je la kan? xde la dorg baik hati refund balik kan kan
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Post time 26-3-2019 07:56 PM From the mobile phone | Show all posts
danieladam replied at 26-3-2019 04:29 PM
Ye..setuju.insurans kereta etiqa memang best. Kalo etiqa takaful, kalau kita xde claim setahun tu, ...

Yg tak takaful pun pulang juga...
Tetiba aje ada duit masuk account tiap2 tahun...
Kereta I dua2 pakai etiqa
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