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[Accesories & Hobbies]
PRUDENTIAL BSN TAKAFUL
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yus262 posted on 11-9-2012 06:44 PM
Kalau sebelum ni dh langgan pbsn ni, kalau ade anak yg baru lahir dan nak langgan dgn agen lain bole ...
benar... pilihan di tangan anda
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Selesai sudah settlekan bil client kat KPJ tghr td..rawatan 2 mlm nya takde la mahal sgt..hanya rm8,000 saja
Yg mahal ialah premium nya : rm150 bulanan
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Inilah membuatkan my client terkejut bila dapat tahu yg ada Cek bagi membantu anaknya menyambung pengajian di Mesir. Shukor...
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kepada agen2 yg ada experience,if u guys can explain....my sister policy holder prudential takaful since 2008.last ramadhan dia diagnose dgn hepatitis b and baru dapat tau that her husband is a carrier..she was refered to ampang puteri specialist and to our surprise the gl was decline by prudential.
yg menjadi persoalan when we asked why ..they conviniently bgtau hepatits b is consider under std(sexual transmitted disease) and therefore not covered for medical treatment under general exclusion..prudential suruh bayar dulu and then claim dgn diorang and siap bgtau prudential x gurantee akan bayar..
x bayar on what basis?because of std?even dato dr mazlan the liver specialist at ampang puteri bgtau kami and the agent yg dia sendiri x bleh pastikan punca dari mana virus ni.and he dont even write std in inital gl to prudential..so macamana prudential bleh simlpy assume and decline the gl di saat kita sgt2 memerlukan?
and sementara kami masih bergaduh dgn prudential the current bill dah cecah 7k and the dr told us boleh cecah at minimum of 15k..so to agent out there,im also doing u a favour,hepatitis b is not covered by prudential and bgtau awal2 kat prospek korang awal2 sebelum diorang mengamuk..so kalau ade sape ada pengalaman kes macam ni tlg share kat thread..tq
Last edited by jax7771 on 16-9-2012 08:50 PM
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jax7771 posted on 16-9-2012 08:48 PM
kepada agen2 yg ada experience,if u guys can explain....my sister policy holder prudential takaful s ...
hmm sian ko.. dah lebih 24 jam dpd 8.48 malam smlm.. takde ejen yg boleh bg jwpn..
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Salam Jax.. minta maaf .. ramai ejen bercuti kot ... ok saya pun baru tahu yg org terkena jangkitan pun tak cover , setahu saya hanya Hepatitis B carrier aje yg tak di cover .
Boleh bagi NO polisi .. senang sikit utk saya rujuk pihak syarikat. |
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salam...agak2 kalu baru masuk 3 thn boleh tak kuar saving tu |
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Berapa sebulan dia ambik ... Dan berapa Takaful Saver/ Prusaver dia ambiik
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saya dah pm polisi no..tq |
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OK .. terima Kasih ... nanti saya minta info lebih lanjut |
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jax7771 posted on 19-9-2012 01:39 AM
saya dah pm polisi no..tq
Salam,
U bole fight n appeal..discuss dgn ejen..
Bill n resit submit jer utk claim
Nanti pru akan buat beberapa investigation
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Kami dah appeal and complaint.Prudential still consider hep B bwh std..nak claim reimburse boleh tp x gurantee plak nak byr..
nak kluar duit dulu ingat senang ke?sbb kitaorg xde duit la pg ambik insuran..skrg ape cite?terpaksa plak kluar pg report hospital gomen sbb bil dah 7k..treatment x habis lagi..ni kalau reimburse pon x berjaya confirm la next gl pon reject..
ape yg nak investigate pon xtaula..dr dah clearly xde state std pon dlm report..main2 assume menyusahkan org |
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jax7771 posted on 19-9-2012 08:14 PM
Kami dah appeal and complaint.Prudential still consider hep B bwh std..nak claim reimburse boleh tp ...
Oic..dpt tau GL decline after admission ke?
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Iskhhh...seriau plak aku...aku n hubby msg2 amik plan rm210 sebulan...kalau mcm ni kes x boleh jd ni |
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GL dah tentu la sebelum admit..since my sister was refered to ampang putri bcos specialist kat situ,kami continue je treatment dulu hoping that bende ni technical glitch je..even hospital pon masa mula2 dapat tau kena reject x straight away bgtau sbb diorang try double confirmed dgn Prudential as told by the personnel kat admission la..tapi until today mmg menghampakan.
i really dont agree dgn Prudential utk simply categorized hep b dlm std.. i mean we understand std is not covered because the nature of std associate dgn penyakit hiv,siflis bla2 yg disebabkan oleh immoral activities,tp kalau infected by husband or wife sbb dia unaware yg dia carrier i dont think its fair..the carier inherit dari keturunan and mmg takkan ada sign yg u carrier selagi u x buat blood test..the point is kita ambik insuran utk bende2 unexpected mcm ni la..ni lain plak jadinya
Smlm ada org dari Prudential call bagtau bende sama jgk,claim reimbursement..for those yg dah kawin tba2 korang kena hep b memang masalahla nak admit sbb dia akan assume either one carrier..so my advise sp2 yg blum ambik jab utk hep b pg la buat skrg |
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Ok saya baru kluar drp Prince Court..sbb klien baru dicaj buat angio plasty
Bil tak mahal sgt, dalam rm35,000 jer
Yg mahal ialah premium bulanan insuran dia - rm200
Last edited by jenglut on 20-9-2012 03:15 PM
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jax7771 posted on 16-9-2012 08:48 PM
kepada agen2 yg ada experience,if u guys can explain....my sister policy holder prudential takaful s ...
Salam Jaxx ...
Saya dah rujuk customer servis PruBSN dan juga Hafizah sendiri ... Request GL tu decline sebab Dr tak boleh confirm macam mana Hep B tu bolh berjangkit ... So memandangkan semua dokumen dah di submit maka kita tunggu apa respon dari PruBSN.
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Servis terbaekkk drp en Ibm
oh ye ari ni..ingatkan klien tak de dpt duit raya..maklum la raya kan da abis,
ni ada lg lak..
[/QUOTE] Last edited by jenglut on 25-9-2012 06:41 PM
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Thanks for sharing En Ibm.. |
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Kalau anda nak info langjut rujuk saya tapi sebelum tu tgk keratan akhbar kat bawah ni dulu
Statistik income Wealth Advisor (Ejen Takaful) ialah ... rujuk keratan akhbar
statement dari menteri tu
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