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...