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yg lebih diutamakan ? Insurans Kesihatan VS Simpanan ASB/Tabung Haji ?

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Author: changa=famri7       Show all posts   Read mode

Post time 5-5-2017 05:16 PM | Show all posts
Edited by sitisbp at 5-5-2017 05:18 PM

Kitorang 6 family members (anak 4) semua ada personel insuran n saving. Anak2 punya blh upgrade so kitorang upgrade. my n hub x leh buat apa lah so mmg sikit coverage. Kompeni ada cover but mmg tau takkan cukup. Doa supaya sihat n tak perlu guna kad ni. tapi at least ada utk peace of mind. anyway dah byk kali guna jugaklah, tumor, cancer, appendix, sinusitis, hearing. alhmdllh semua covered. in fact yg cancer tu using both personel n company punya utk bg cukup. eh korek epf jugak masa tu.
so penting ye both. even sakit masuk gomen hospital if kita keje private better ada kd jugaklah.
ikutkan kalau tak guna duit utk insuran ni boleh lah mkn mewah tiap bulan or langgan astro. tp rela masak selalu n tukar astro kepasa yg lebih murah
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Post time 5-5-2017 05:46 PM | Show all posts
lbih pnting no 1 kot! asb n tabung haji, nilai mata wang mkin kocik..huhu
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Post time 5-5-2017 08:27 PM From the mobile phone | Show all posts
Kalau.insurans, masa kecemasan x bule pakai.. mcm2 syarat n sop. Unlike saving asb/tabung haji.. can withdrawl at anytime.
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Post time 7-5-2017 01:37 PM | Show all posts
tabung haji je yg mampu setaka ni.klau ape2 hal blh anak2 gune duit tu..walaupun nilai RM makin kecik tp atleast die ade duit....insurans tu tggu kalau ade rezeki lebih..selebihnye tawakal je supaya anak beranak sihat walafiat...
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Post time 7-5-2017 05:45 PM From the mobile phone | Show all posts
Saving la penting
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Post time 9-5-2017 01:49 PM | Show all posts
so.. thread ni dibuka utk agen insurans ke?huhuhu..
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Post time 9-5-2017 02:14 PM | Show all posts
Edited by sweetsour25 at 9-5-2017 02:17 PM

iol sbnarnye masih berbolak balik isu insurans ni..
penah terbuka ati amik insurans.. tapi pastu iols terminate kn..

iol tanya pendapat 2 generasi..
generasi 1.. golongan parents yg age 50-60years..my parents, colleagues (colleagues ramai baya gitu..)
generasi 2.. golongan same age.. around 30s.

Kalo ikut skang ni, gen 2 ramai yg ke arah push amik insurans. utk anak2 dari dlm perut lg..
Iol dlu amik gak. Pastu gen 1 rasa macam pelik, kenapa iol amik. Sebb medical benefit from company unlimited. cover iol, suami & anak2.. so, dorg tinggalkn tanda tanya pd iol..

so, iol perhati je gen 1 urus kewangan dorang camne.. bkn nak cakap dorg ni mewah or org ada2..
tp, iol perhati..dorang xde masalah pn utk pergi hospital ke ape ke.. even private.
Sebab..dorg ada strong financial la, i guess?

iol tanya.. camne dorg plan financial..? memang saving banyak ke camne..?

for now, i cuma dapat basic info. keyword. go with the flow. cukupkan ape yang perlu dulu, bila da stabil, then saving.... pastu invest hartanah. step by step gitu.

harap jgn brainwash i kepentingan2 amik insurans.. i tau, semua org pun takut, if anything jadi kat dirisendiri, ape jd kemudian hari..

cuma ape yg i perhatikan, rmai yg amik insurans nowadays..overr. anak demam skit, trus msuk hospital pvt, warded bbrapa hari. maafkan iol kalo xpaham, tp i rasa mcm..... baru saving brape RM dlm insurans plan, tp da guna byk..  

p.s harap jgn kecam iol. hihi. nak tambah tacang je ni.. ps.2. for now, iol lebihkan kepada saving tabung haji.
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Post time 9-5-2017 02:42 PM | Show all posts
sweetsour25 replied at 9-5-2017 01:49 PM
so.. thread ni dibuka utk agen insurans ke?huhuhu..

di buka untuk semua......tak kira usia dan taraf
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Post time 9-5-2017 02:47 PM | Show all posts
Walaupun ada coverage Takaful RM4 juta sekalipun, kalau takde rider penyakit kritikal se-sen pun belum boleh claim tuan.

Tunggu mati baru dapat penuh!

Sebab tu saya suruh check polisi dulu

Sesuai tak dengan keperluan kewangan tuan?

Bukan main beli je ikut jenama

Dah ler bayar TERLEBIH MAHAL 😝
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Post time 20-5-2017 09:31 AM | Show all posts
Edited by mama_ann at 20-5-2017 09:33 AM

bagi pendapat saya...

klau company yg cover unlimited medical better looking for "income replacement" pulak... why? sebab once dah terkena kritikal illness, adakah company still nak hire kita keje? claim medical kat company tinggi, cuti lagi utk rawatan / MC... masa tu nak simpan kat ASB or Tabung Haji pun dah tak dapat malah kemungkinan akan keluarkan saving itu balik...
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Post time 21-5-2017 12:26 AM | Show all posts
savng dalam TH sejak anak kecil, RM50 sebulan.  Tak pernah keluarkan, umur 18  masuk u private, dulukan pakai saving dia.

anak ada medical card sejak lahir, tak pernah guna sehingga umur 18, tulang belakang dia sakit  sebab main hoki.  Bila check doktor,  prescribe fisioterapi -  insuran tak nak cover dengan alasan, tulang belakang dia  dah memang begitu dari lahir.    Aku tk tau nak percaya apa dah sekarang.
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