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Author: huszua

Masalah Memilih Insurans Peribadi

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Post time 25-9-2012 05:07 PM | Show all posts
ibm632 posted on 25-9-2012 10:55 AM
Lepas ni tukar payment dari CASH kpd Otodebit atau Kredit Kad plak.

anak2 saya, both under prubsn..
so, mmg nak auto debit lah..mana tau, yg abgnye ok, yg adiknye reject..
pelik bebeo, reject sorang jer..
so, skrg, si abgnye maintain bayo, adiknye asyik sangkut..
ntah2 dah lapse..
huhuh
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Post time 25-9-2012 05:45 PM | Show all posts
edoraixora posted on 25-9-2012 04:25 PM
sy dh amik insuran dgn pruBSN sejak 2009 lagi. bayar rm160/mnth. yg diberitau cover utk 3+1; perlind ...

Insuran medical ni nampak mcm mahal..rm150/rm200 bulanan

Tp kalau dah masuk hospital, kene bil mcm ni rm35,000
Rasa nya elok byr rm150 bulan2..drp korek duit tabung byr rm35,000 kat tuan doktor


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Post time 25-9-2012 05:46 PM | Show all posts
izan78 posted on 25-9-2012 05:07 PM
anak2 saya, both under prubsn..
so, mmg nak auto debit lah..mana tau, yg abgnye ok, yg adiknye re ...

Takpe..kita settle kan jumaat ni
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Post time 27-9-2012 09:09 AM | Show all posts
edoraixora posted on 25-9-2012 04:25 PM
sy dh amik insuran dgn pruBSN sejak 2009 lagi. bayar rm160/mnth. yg diberitau cover utk 3+1; perlind ...

Saya kira dah OK dah bayaran tue... kalau nak dibandingkan dengan kos rawatan yg makin tinggi sekarang nie.. better check polisi tue balik, At least awak tahu apa manfaat unutuk diri sendiri...
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Post time 27-9-2012 12:03 PM | Show all posts
aku amik AIA..byr rm400 monthly ..pejam mata saja lah byr
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Post time 28-9-2012 10:04 AM | Show all posts
jenglut posted on 25-9-2012 05:46 PM
Takpe..kita settle kan jumaat ni

Tqtqtq..
settle liao
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Post time 30-9-2012 09:12 AM | Show all posts
elecom posted on 27-9-2012 12:03 PM
aku amik AIA..byr rm400 monthly ..pejam mata saja lah byr

Kena ambik yg takaful punya ... Kalau bab hukum ni tak boleh main pejam pejam mata aje
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Post time 30-9-2012 10:54 AM | Show all posts
ibm632 posted on 30-9-2012 09:12 AM
Kena ambik yg takaful punya ... Kalau bab hukum ni tak boleh main pejam pejam mata aje

yes, tu under takaful

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Post time 4-10-2012 11:42 AM | Show all posts
just nak share...

Customer ader call, dier nak buat Lesik Operation.. insurans cover ker? Insurans Pru BSN Takaful tak cover. Saya kira mana2 insurans pun tak cover. Ini kerana ia dikira sebagai kosmetik surgery. Sudah dinyatakan dalam general dan medical card exclusion.
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Post time 5-10-2012 12:28 PM | Show all posts
elecom posted on 30-9-2012 10:54 AM
yes, tu under takaful

Alhamdulillah ... kena pilih yg takaful

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Post time 9-10-2012 03:40 PM | Show all posts
Sy baru terfikir nk amik insurans..
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Post time 9-10-2012 03:44 PM | Show all posts
blh tnye x??
yg insuran AIA kerjasama ngn AirAsia tu mcm mana??
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Post time 10-10-2012 09:31 PM | Show all posts
anacon posted on 9-10-2012 03:40 PM
Sy baru terfikir nk amik insurans..

Saya pun terfikir apa persoalan dari anda yg boleh saya jawap

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Post time 11-10-2012 09:55 AM | Show all posts
elecom posted on 27-9-2012 12:03 PM
aku amik AIA..byr rm400 monthly ..pejam mata saja lah byr

ape nama plan tu?
sbb aku aritu ade orang aia call..
die ckp aku brtuah la...dpt sebulan insurance free..
aku pon x paham plan yg mana..
tp die ckp bulan2 rm77...siap ade saving skali tu...
actually aku x ckp pon yes...tetibe die ckp nnt policy smpai kt rumah...
so...aia ni elok ke???
org ckp rmai pru elok...

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Post time 11-10-2012 10:12 AM | Show all posts
seroja23 posted on 9-10-2012 03:44 PM
blh tnye x??
yg insuran AIA kerjasama ngn AirAsia tu mcm mana??

Saya pun ader dapat call AIA dan Air Asia tue.. Tapi dapat plan untuk female insurans tue siap ader saving sehingga umur 65 tahun. Tapi yg tak best nyer kalau diagnose cancer dan telah dapat pampasan, insurans still kena bayar untuk cover sum assured (pampasan kematian). Org telemarketer tue cakap kalau diagnose cancer boleh dapat RM100K. Dah lah kena bayar seratus lebih just untuk manfaat ini jer...Tapi biler saya pikir balik saya tolak pasal saya lebih penting kan hospitalization aka medical card, dan saya dah ader beberapa insurans,  ia konvensional dan kalau saya ambik life insurans dgn harga yg serupa saya dapat gak manfaat tambahan yg lain.

Pihak telemarketer AIA dan Air Asia tue ader cakap insurans free.. dengan pampasan yg tinggi.. tapi ia bukan investment link plan dan kalau tak berlaku apa2 within a year duit kiter burst macam tue jer.. kalau ader penyakit kritikal still kena bayar.. hmmmmm so saya tolak..



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Post time 11-10-2012 10:15 AM | Show all posts
mbk posted on 11-10-2012 10:12 AM
Saya pun ader dapat call AIA dan Air Asia tue.. Tapi dapat plan untuk female insurans tue siap ade ...

sy dh reg..agk2 blh cancel x..hr tu mcm cpt sgt jeh..sy blh g setuju plak..
sbb x phm sgt psl insuran ni sbnrnya...
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Post time 11-10-2012 10:20 AM | Show all posts
missyqaldina posted on 11-10-2012 09:55 AM
ape nama plan tu?
sbb aku aritu ade orang aia call..
die ckp aku brtuah la...dpt sebulan insuran ...

exactly nama plan tu aku x igt lah..kena bkk buku policy balik..heheh...
aku amik yg cover critical illness & medical card semua..saving x amik sbb aku prefer saving invest kat tpt lain..
so insurance just utk protection masa dpn kalau jd apa2(mintak dijauhkan )..monthly yg jd mahal tu sbb aku topup premium..
x sure lah mana yg elok..mana yg x elok...ikut keperluan masing2 kot..lgpun mana2 company insurans pun ada pro and cons...and bergantung kepada kecekapan agen jgk...
aku amik aia sbb agen dia ni byk memudahkan urusan aku...and so far x ada masalah...
btw, aku mmg x percaya agen2 yg guna telefon offer sana sini etc ni...in reality, x ada org yg nak kasi benda free mcm tu jer melainkan ada udang disebalik batu...huhuhuhu

Last edited by elecom on 11-10-2012 10:22 AM

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Post time 11-10-2012 10:22 AM | Show all posts
seroja23 posted on 11-10-2012 10:15 AM
sy dh reg..agk2 blh cancel x..hr tu mcm cpt sgt jeh..sy blh g setuju plak..
sbb x phm sgt psl ins ...

boleh kalau nak cancel.... saya rasa dier ader bagi free looking period yg mana peserta boleh tgk dulu polisi tue dalam maser tertentu dan kalau tak ok boleh cancel dan kalau OK boleh teruskan.. saya rasa awak tgk dulu polisi tue maner tahu ia sesuai dgn ur  necessity........

better u call pihak AIA dgn Air Asia tanya dierorg free looking period beraper hari.....within that time u boleh kaji balik atau tanya sesaper jer for second opinion....
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Post time 11-10-2012 10:25 AM | Show all posts
mbk posted on 11-10-2012 10:22 AM
boleh kalau nak cancel.... saya rasa dier ader bagi free looking period yg mana peserta boleh tgk  ...

rs nye tempoh tuh dh hbs...dia kasi 30 hari x silap...mmg dia ada bg tau kl cancel dlm tempoh tu dia akn pulang balik duit..
time tuh raya..sy bz sgt time tuh..x amek pusing pn psl polisi n terus lupe.ni baru tingat..
kl sy cancel skng ape jd yek??
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Post time 11-10-2012 10:26 AM | Show all posts
seroja23 posted on 11-10-2012 10:25 AM
rs nye tempoh tuh dh hbs...dia kasi 30 hari x silap...mmg dia ada bg tau kl cancel dlm tempoh tu d ...

kalau u cancel sekarang kirenyer kemungkinan duit tue sama ader burst macam tue jer atau dapat pulangan sikit tak fully return dari apa yg kiter bayarkan...
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