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Tabung Aqil's Junior

Feb 17, 2011

Cerita tentang Insurans..Perlu vs Tidak Perlu??

Malam semalam sibuk gak la berdebat tentang Isu Insurans ni..hurmm ade pro n cons actually...Sekarang ni saya nak bercerita tentang insurans Aqil..
Sebenarnya terlalu banyak jenis Insurans sekarang ni kat market..kekadang kite pun pening yang mana satu yang paling terbaik to avoid any waste might occur...
So Aqil ada dua Insurans yang saya tak pernah tahu ape type yang Atuk dia amikkan untuk dia melainkan yang medical type pny...Satu lagi insurans mungkin Education pny type..Saya tak pasti..Segala pembayaran berkaitan insurans semuanya Atuk dia yang tolong bayarkan sebab Atuk dia mmg sgt obsessed dgn Insurance..(bayangkan..almost 20K++ atuk dia spent tuk bayar untuk semua Insurans untuk dia,wifey dan anak-anak...Hurmm..Dahsyatttt..-versi Nazmi Raja Lawak 5- ahahah takde kena mengena..) tak kisah la kan..janji itu duit dia..so suka hati dia la kan nak buat ape pun...

Medical pny type untuk Aqil akan expired end of this month...which yearly atuk dia byr RM 680.00( if I'm not mistaken)...quite Ok actually coz monthly just byr RM 60 je (tapi tak bleh byr month by month tau kena byr lump sum terus)...In addition...Malam tadi atuk dia suruh we all continue for Aqil's insurance for 2nd year..Terus His daddy says:
" ouh..kalo nak suruh kitorang bayar, takpela..nanti kitorang carikan untuk aqil lain pny plan sbb yang ni takde saving juz medical card semata" begitulah kata daddy..

sedikit synopsis tentang Insurance ING medical Plan..
~Yearly just costs you RM 680.00 (dis year dah naik +100 kut)
~Annual limit was RM 50,000 which covers all expenses while u 're admitted to any ING Panel's Hospital
~It's only for admitted purposes not valid for outpatient clinic (so kalo tak masuk wad,mmg tak boleh guna kad ni)
~Sepanjang setahun Aqil pakai kad ni, Aqil telah gunakan sebanyak RM 4,000.00 hasil admitted to Assunta Hosp n Columbia Asia Hosp..Quite berbaloi gak kan even Aqil juz baru byr RM 680.00 je..huhuhu..

Kalo nak ikot kan..mmg ok ING plan ni but since M&D Aqil ni bukan orang kaya so we decided to terminate this plan n switch to other plan n might be other Insurance company also (Daddy's fren is an agent of Prudential Insurance)..one of our option now..We are now is searching a plan which can cover for education+saving n medical plan...And yet..To us Aqil still needs his Insurance because possibility to admitted or fall a sick quite high (kita tak minta la tapi mungkin)
...So Hopefully we'll find the best plan which offers best service and cost which will not burden us much!!


***M&D think we'll not to continue Mommy's Insurance plan since the possibility is very low to admitted plus pulangan sepanjang amik setahun medical plan ING Insurance pon dah ade..(admitted to SDMC which costs almost RM 3,000.00 instead of kite baru byr RM 486.00)huhuhuh...and yet..Daddy says: "kalo sakit pon,Hospital Putrajaya or Serdang still bleh terima kita lagi"hiksss...yang akhirnya abahnya says "hisy!!mana boleh!!kena ade jugak Insurance!"hhahahah..Debate will not end yet..It has adjourned!!hahahah...
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11 comments:

S.A.L.J.U sha said...

bagus entry ni

t bgtahu la beza ING medical Plan dengan Prudential Insurance.

so far pendapat sha, insuran ni sgt perlu. lg2 kerja mamapapa xcover medical utk anak2(selain hosp gov)
so xmampu la nak membayar selepuk klu dh kene demam panas jer sampai 4k masuk putra specialist.

so alhamdulillah ins qaish ade MAA takaful..tu semua dlm tanggungan insurans tu..

klu beza mane bagus ni mmg susah....hampir same jer kebaikan nye. terpulang pd berape yg dcover.

tp senang amik ins ni ngan ejen yg kenal(dr kawan ke jgn ejen2 yg dtg serjah kite tu)

ejen yg kenal senang ajar kite cara nak bg cover claim bil hospital.
sbb ade ins saje buat helah takmo cover..mcm2 alasan dia bg utk tidak bayar.....so tu la gunanye ejen as kawan yg boleh ajar cara nak claim yg (insyaallah settel bil..keluas spital senyum)

MommyAqil said...

InsyaALLAH after dah tau Prudential pny plan,aida share kt sini eh...

MAA Takaful tu ok tak sha?tu la..mmg kalo nak ikotkan lebih kurang je semuanya terpulang senang nk claim ke tak kan..so far ING mmg sgt senang sgt nk claim..Even hr tu kad tak matang lg then kena byr semua dulu la hosp bill but after a month dah dpt blk claim tu..Service ING bagus sgt!!

Betul tu sha..better amik dgn org yg kita kenal n boleh tolong kita..kira org tu bleh transparent dgn kita instead of nk carik untung je kan..Itu yg kami tgh usahakan utk insurans baru aqil ni...

yg penting Insurance ni mmg sgt2 perlu utk anak2 kita!!betul..sokong sgt!!hihihi..

munna said...

kak munna baru je nak plan beli ins utk anak2... tgh pilih mana nyg sesuai ...

MommyAqil said...

Semoga Kak Munna dapat buat pilihan yang terbaik eh..Kalau dapat Insurans kelompok untuk anak2 pon bagus jugak..tapi tgk jgk dia boleh cover and limit dia eh..Aida suggests kalo nk pilih company Insurance ni amik yg Establish macam ING,Prudential,Takaful but say NO to AM Assurance tau kak!!Tak bagus langsung!!

eRaY said...

we took prudential takaful for rayna, sebab has portion for saving, education plan & medical...
not bad huh!

MommyAqil said...

eray...Prudential takaful?wahh cam menarik gakkan..All in one..mmg we all nk cari plan yg cam tu la jugak..berapa eray byr for that plan?

halimatun said...

aku ni agen takaful ikhlas...kalau nak memilih insurans,better ambik takaful sbb islamic..insurans ni konventional..act semua takaful sama je.yang penting kita kenal agen yang kita berurusan tu..macam takaful ikhlas ni,dia separate kan saving+investment+education dengan medical.medikal kena ambik asing..setahun dalam 200 je untuk kanak2...selamat memilih ye.,..hehe

Suliana said...

my aqil kami amik pru bsn takaful.. monthly byr rm100. lepas aqil 6 bulan baru dia layak utk amik.. dan aqil pun dah pernah pakai sekali masa warded sjmc dulu.. cover saving & medical card. proportion utk saving & med card tu blh adjust ikut kita la nk mana lebih. bagus plan ni.

MommyAqil said...

atun...tula..tertarik jugak dgn takaful sbb mmg islamic..so skrg ni agak rambang mata jgk nk pilih Insurans ni..SO sekarang ni tgh tunggu proposal dari prudential dulu..tgk ape dia pny benefit then,bleh compare...

MommyAqil said...

suliana..Wahh tu pun menarik gak kan..quite worth it utk saving n medical..pru bsn takaful eh..hurm nak survey la pasal plan ni ...

terima kasih semua sebab share info pasal Insurans ni..betul-betul membantu!!

shahrudin said...

Salam.. Nak tau detail tentang plan PRUDENTIAL BSN TAKAFUL boleh sms/call sy.. Shahrudin 0194468939..

Facebook : din prudential bsn takaful

*Champion Top Takaful (prudential) Malaysia 2012

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