Medical Card Takaful

SiMontel

Originally posted by jenglut at 22-5-2009 13:20


senior citizen memang mahal..maklum lah 'barang antik' mesti la berharga..

sbb tu kalau nak amik insuran ialah masa 'mega sale' = waktu kita muda & sehat..

mmg laa kalau ikutkan nak ambil insurance masa muda sihat...tapi masa dulu dulu..mak bapak org kg..mana la dorang mampu nak byr insurance...now anak anak yg dah keje...tu yg tgh cari info...

now tgh cuba calculate expenses ni dulu before berkira nak proceed insurance ni...

emm akhir thn laa road tax keta..insurance sendiri...wahhhh berpeluh jugak ni...emmm

ibm632

sbab saya jumpa seramai mungkin orang muda.... takut nanti bila mereka tua nanti ... mahal pulak premium nyer

integra

nanti sy bg info plan #2 yg ni murah sikit. Skrg ni tak leh nak tepek la.. Pakai phone je ni

integra

spt yg dijanjikan

Entry ||Co Insurance Amount
Next ||RM 6000 (Plan2)
Birthday |Male Female -------------------------------------------------------------

45 |1357 1338
46 |1412 1406
47 |1468 1478
48 |1526 1552
49 |1586 1628
50 |1649 1707
51 |1712 1787
52 |1778 1871
53 |1844 1959
54 |1913 2052
55 |1985 2151
56 |2026 2257
57 |2142 2371
58 |2230 2496
59 |2325 2633
60 |2431 2784
61 |2492 2885
62 |2560 3000
63 |2652 3139
64 |2739 3266
65 |2840 3407
66 |2948 3549
67 |3073 3706
68 |3205 3866
69 |3357 4046
70 |3514 4227


|Plan 2
Death Benefit |5000
Medical Benefit
* Daily Room & Board  |200
* ICU (max 120d/year) |As Charge subject to 10% co insurance
* Surgical |As Charge subject to 10% co insurance
* Anesthetic |As Charge subject to 10% co insurance
* In-Hospital & Related Service |As Charge subject to 10% co insurance
* Pre-Hospitalisation Treatment (30days prior) |As Charge subject to 10% co insurance
* Post-Hospitalisation Treatment (90days after) |As Charge subject to 10% co insurance
* Home Nursing Care Benefit (180days/lifetime) |As Charge subject to 10% co insurance
* Day Surgery |As Charge subject to 10% co insurance
* Cancer Treatment Benefit |As Charge subject to 10% co insurance
* Kidney Dialysis Benefit |As Charge subject to 10% co insurance
Minimum Co-Insurance |6000
Lifetime Limit |225000

ibm632

Kalau dah umur 55thn keatas kena ambik Prusenior med dah sebab lepas 55 hingga 60 kalau nak ambik Takafulink biasa dah susah nak approve sebab kena buat Medikal check up ... dan satu lagi premium nyer pun mahal...

integra

kasi up sikit

ibm632

Kasi Up sampai bulan ker....

apa kata kita pergi bukak kaunter di Prinskot hospital tu ...

integra

buleh..bulehh

jenglut

Salam,

Salah sorang klien forummer di sini yg anaknya masuk Hospital Pakar Non-Panel PruBSN iaitu Hospital Pakar AnNur Bangi,
Bil nya di bayar oleh majikan..so kita kasi dia elaun wad sebagai upah jaga anak akibat demam di hospital....dptla RM900...





2. Medical Report Doctor




Ini adalah Cek Elaun Hariannya: RM900

Gemukkkkkkk

semuanya bergantung kepada coverage yang kita pilih kan?  so, apa kes nak promote diri sendiri?...  just shop around for better premium dan wider acceptance.

jenglut

yerr  betul mcm saudara Gemukkkkk tu ckp..shop around dulu, make survey..pastu baru buat decision..

mcm klien saya kat atas tuu premium anak dia RM80 per month dpt mcm2 benefits..
kalau sesapa bole jumpa murah drp ni dgn more benefit, bg tau saya..sbb saya satu famili pun nak amik dgn co. tu juga..hehhehe

ibm632

Nak gi shopping jap ... ..

ibm632

Sesiapa yg rajin menbaca dan nak tahu betapa kritikal nyer


Healthcare costs rise and rise

THREE years ago, an appendectomy (appendix removal surgery) cost RM1,800. Today, it will set you back RM3,000. Potentially, this relatively simple procedure can cost up to RM20,000 in 20 years’ time. The fact is that the cost of medical healthcare goes up every year, and it usually outpaces the general inflation rate.

Dr Pawel Suwinski, Frost & Sullivan Malaysia Sdn Bhd’s senior consultant of healthcare practice for Asia-Pacific, believes that healthcare costs in Malaysia increases about 10% every year – approximately double the inflation rate.

“It is something to worry about, as we can expect healthcare to become more expensive with every year. We are already at the point that only few can afford to pay for more complex and sophisticated procedures directly from their pockets,” he says, adding that the majority rely on other sources such as insurance, health saving accounts, or public care.

According to a former cancer patient, a standard radiotherapy regiment of 35 sessions cost RM2,000 in 1999. Ten years later in 2009, it costs a whopping RM35,000 – although it should be noted that today’s treatment is better targeted and more localised than it was before.

Dr Suwinski says there are four levels of therapy classification. In 2008, standard, basic-level breast cancer treatment in private hospitals costs RM20,000 to RM30,000, but this can go well beyond RM100,000 for the maximum level, which uses the latest-available therapeutics.

Affecting confidence

The Outlook Survey 2009 (covering 2,707 Asians across key markets in Malaysia, China, Hong Kong, India, Indonesia, the Philippines, Singapore and Thailand) shows that the increase in healthcare costs is affecting Malaysians’ confidence in their health levels in their retirement years. It shows that only 29% are confident of maintaining it, down 11% from 40% at the last survey in 2007.

The survey also shows there is a dip in respondents’ confidence levels in maintaining their health over the next five years. Only 40% of respondents are confident of maintaining it, down from 49% two years ago.



“In 2007, 71% of Malaysians were satisfied with their medical conditions and savings but in 2009, this figure has dropped to 48%. Consumers are also worried about using up the lifetime limit of their medical coverage while they are still early in their retirement years,” he says.

However, the fact remains that medical costs will continue to rise, and the so-called “medical inflation” rate outpaces even the general inflation rate every year. This can be put down to the continuous and sizeable investments poured into research and development for the continuing advancement of medical technology. This is not only necessary but also essential – without it, there would be no new drugs, treatments or tools, and the standard of healthcare will not improve.

In light of the increasing healthcare costs, we can count ourselves fortunate for the system put in place by the Government for the benefit of all Malaysians.

Association of Private Hospitals of Malaysia (APHM) president Datuk Dr Jacob Thomas was quoted in StarBizweek as saying there is only so much that the public hospitals can cope with as these hospitals are already overloaded with patients. Currently, there is a ratio of one doctor for every 1.3 beds for private healthcare, as compared to a one doctor for every three beds ratio in public healthcare.

Malaysians in general prefer private healthcare – but its escalating costs, combined with effects of the global recession, may drive patients to the public healthcare system.

Dr Suwinski says that where middle-class wage earners are concerned, savings alone may not be sufficient to pay lifelong medical bills.

“The funds for essential medical care need to come from other sources,” he says, citing national and commercial insurance, and health saving accounts as examples.

“Relying only on savings will mean rationing the care,” he says, explaining that this may preclude the use of latest advances in treatment as these tend to be more expensive.

Increasingly unaffordable

Dr Suwinski says the present economic situation affects consumers’ income, and make private healthcare increasingly unaffordable. He believes third-party payers (like insurance) will play a more prominent role in the future.

He also sees the possibility that people may spend less on healthcare. “The so-called discretionary care, which is non-essential, will suffer most as people will be less willing to dispose of their savings in bad economic times.

“However, essential care, mostly related to curative and life-saving, will be affected to a lesser degree. People will need to consume these services to become healthy. Also, this type of healthcare is paid mostly by third-party payors and does not affect savings,” he says.

ryo_takahashi1

ada soklan sikit pada ejen... kalo operate betulkan sikit kedudukan rahang ada dlm coverage tak...?

ibm632

Betulkan kan rahang sebab apa.....  kalau atas sebab keperluan mmg cover .... tapi kalau sebab nak bagi nampak cantik(kosmetik) tak dicover...

Gemukkkkkkk

aku usha Takaful Ikhlas punya Medical Assist.  macam paling best je.  aku nak beli pekej tu la.  dan alang-alang, aku ambik skim Takaful Ikhlas IST jugak.  sebab benefits dia bagi tu macam best walaupun premium cuma 5ribu lebih setahun...

jenglut

aku usha Takaful Ikhlas punya Medical Assist.  macam paling best je.  aku nak beli pekej tu la.  dan alang-alang, aku ambik skim Takaful Ikhlas IST jugak.  sebab benefits dia bagi tu macam best walaup ...
Gemukkkkkkk Post at 16-7-2009 10:21

ohh ok..gud luk Gemukkkk..

ibm632

Muslim digalakkan ambik Medikal kad dari syarikat Takaful ...

ibm632

aku usha Takaful Ikhlas punya Medical Assist.  macam paling best je.  aku nak beli pekej tu la.  dan alang-alang, aku ambik skim Takaful Ikhlas IST jugak.  sebab benefits dia bagi tu macam best walaup ...
Gemukkkkkkk Post at 16-7-2009 10:21

Saudara Gemuk ....

Insuran dan takaful ni ... kita akan tengok bagus nyer bila claim ... so ... harap U boleh mintak ejen tu prove kan pada U .... mintak dia sample claim ker...

jenglut

biasa kalau berat sgt, bole kene loading premium