|
View: 5802|Reply: 28
|
Perlu tak beli medical card / life takaful ?
[Copy link]
|
|
|
Sebenarnya dah ada thread yg lebih kurg sama tapi segan nak sambung kt situ sbb thread tu kt board isu semasa & quite an old thread. My friend ada promote life takaful (yg ade saving + medical + investment).. tak berapa ingat coverage nya tapi monthly bayar dalam rm300++ .
I berbelah bagi juga nak proceed ke tak. I keje gomen, bujang, ada saving kt asb lebih setahun stgh gaji & ade la sikit simpanan here & there (TH, bank). Komitmen rumah & kereta dah selesai but I ada plan nk beli kereta baru tahun ni sbb usia guna kereta skrg dah 12 tahun . My parents nye saving lagi banyak dari my savings combined & my dad still ade monthly income much more than my salary. Kalau tak sihat, I mmg biasanya akan ke klinik gomen je.
My friend promote plan takaful yg offer pampasan / hibah akibat kematian / kemalangan / cacat kekal dlm ratus2 ribu to waris, saving less than 50k kot.. I tak ingat detail coverage medical card tu tapi kene bayar sikit la kalau gi hospital & masuk ward.
I rasa macam benefit staff gomen mcm dah cukup ( walopun kene tunggu lama kalau nk dpt rawatan kt klinik / spital gomen). Kalau kemalangan yg menyebabkan cacat or kematian masa bekerja, I rasa gomen ada bayar pampasan & pencen gak. Agaknya berbaloi or perlu tak amik life takaful tu? Or just amik medical card je (murah sikit ~rm80/sebulan)? Mohon pandangan forummers sume.. |
|
|
|
|
|
|
|
|
|
|
|
|
Jarang gomen sfuff nak ambik medical card mcm ko kata la sbb semua lebih pada cukup..lagi1 skrg ni ko bujang mgkin 5thn atau 10tahun akan dtg ko bekeluarga..masa tu ketar tgn nk byr 300++ sebulan. Tp kalau ko prefer nak selesa nak dptkan rawatan kat private carry on je..kalau aku kja gomen mmg aku tak ambik dah..pendapat aku jah |
|
|
|
|
|
|
|
|
|
|
|
|
Ambik medical card sahaja.Tak perlu include saving dsbnya.Ambik untuk tujuan cover kita kalau sakit dan perlukan rawatan yang hospital govt tak cover |
|
|
|
|
|
|
|
|
|
|
|
|
Kalau aku jd ko aku amik medical card je utk cover ko kalau pape. Medical card tambahan je utk ko. 80 quite ok la xmahal sgt. Lgpon da ade yg gomen punye so ok la. |
|
|
|
|
|
|
|
|
|
|
|
Ambil medical card sahaja dah ok..jimat. Lain2 boleh guna kemudahan yg disediakan gomen
|
|
|
|
|
|
|
|
|
|
|
|
ambil yang kematian je. kalau mati cash out rm 1 juta. medical card option sbb u penjawat awam. medical card ambil yg certain penyakit kalau kena kronik boleh cash out 1 juta ke berapa. sebab u ada option blh pg gov atau private.
private kelebihan pantas mahal mahal mahal, tapi kalau private xboleh rawat u dan berisiko bg mereka, mereka tetap release ke gov. mereka tak mahu tanggung risiko |
|
|
|
|
|
|
|
|
|
|
|
|
Untung kerja kerajaan dah cover dgn insurans. I keje private company kecik tkde cover insurance pun. Lps habis intern terus ambik insurance sbb kerja byk travel. |
|
|
|
|
|
|
|
|
|
|
|
|
Agak mahal premium 300 utk org muda. Ambik la life insurance sebab medical bill boleh apply GL je. |
|
|
|
|
|
|
|
|
|
|
|
Author |
Post time 9-8-2020 12:46 PM
From the mobile phone
|
Show all posts
matbad replied at 9-8-2020 03:16 AM
Jarang gomen sfuff nak ambik medical card mcm ko kata la sbb semua lebih pada cukup..lagi1 skrg ni k ...
Sebab x kawin & xde keluarga sendiri lagi, I rasa macam xde keperluan sgt utk life takaful & medic card setakat ni. Medical card ni tak leh guna kalau setakat gi klinik2 private yg biasa kan.. still kene bayar juga kan? |
|
|
|
|
|
|
|
|
|
|
|
Author |
Post time 9-8-2020 12:51 PM
From the mobile phone
|
Show all posts
nadna replied at 9-8-2020 05:56 AM
Ambik medical card sahaja.Tak perlu include saving dsbnya.Ambik untuk tujuan cover kita kalau sakit ...
Ooo ade ye rawatan yg hospital gomen tak cover utk staff gomen? Yg I tahu staff gomen boleh buat tuntutan perubatan kalau beli wheelchair ke or medical equipment dari private..cuma tak sure berapa limit harga |
|
|
|
|
|
|
|
|
|
|
|
Author |
Post time 9-8-2020 12:57 PM
From the mobile phone
|
Show all posts
CiliPadiSedap replied at 9-8-2020 08:58 AM
ambil yang kematian je. kalau mati cash out rm 1 juta. medical card option sbb u penjawat awam. medi ...
Life takaful yg takde investment & saving ye? I ada terfikirI single lagi & xde suami n anak, kalau dpt hibah / pampasan sebab kematian / cacat kekal, duit tu ke my parents. Harta & simpanan my parents lagi banyak dari my saving. My sibling pun ada harta masing2. Duit pampasan tu boleh ke donate to charity? |
|
|
|
|
|
|
|
|
|
|
|
Author |
Post time 9-8-2020 12:58 PM
From the mobile phone
|
Show all posts
syadq replied at 9-8-2020 10:30 AM
Agak mahal premium 300 utk org muda. Ambik la life insurance sebab medical bill boleh apply GL je.
Premium tu jadi mahal sbb I tak berapa muda pun . Dah mid 30s |
|
|
|
|
|
|
|
|
|
|
|
|
X perlu.. skrg bujang.. nanti ko dah kahwin byk tanggungan.. 300 tu byk.. baik simpan asb je.. xdanya ko dpt byk pun insuran tu.. bukan simpanan...bilo ko susah.. ko tutp pun sikit je dpt duit. X berbaloi... ambik medical card cukup.. leh guna satu keluarga.. keje gomen ada medical benefitkan... |
|
|
|
|
|
|
|
|
|
|
|
kitaserupaaa replied at 9-8-2020 12:46 PM
Sebab x kawin & xde keluarga sendiri lagi, I rasa macam xde keperluan sgt utk life takaful & medic ...
Gi klinik bukan gomen bayar ke.. cam company aku ada medical benefit 1 family per year.. guna ler |
|
|
|
|
|
|
|
|
|
|
|
kitaserupaaa replied at 9-8-2020 12:46 PM
Sebab x kawin & xde keluarga sendiri lagi, I rasa macam xde keperluan sgt utk life takaful & medic ...
Yeee..medical card prefer private hospital..surgery ke apa ke..chck in ke..kalau klinik private byr sndri je..tak pasti kalau sakit demam biasa cover tak kalau dapatkan rawatan kat private hospital..ko tnya balik kwn ko..alang2 dia promote biar tnya bagi habis2 |
|
|
|
|
|
|
|
|
|
|
|
kitaserupaaa replied at 9-8-2020 12:57 PM
Life takaful yg takde investment & saving ye? I ada terfikirI single lagi & xde suami n anak, kala ...
Boleh..wasiatkan siap2 kat baitulmal.. |
|
|
|
|
|
|
|
|
|
|
|
kitaserupaaa replied at 9-8-2020 12:51 PM
Ooo ade ye rawatan yg hospital gomen tak cover utk staff gomen? Yg I tahu staff gomen boleh buat t ...
Ada bos.Tak semua gomen cover.macam dialisis,skru lutut tak semua gomen cover |
|
|
|
|
|
|
|
|
|
|
|
|
Tengok pada bajet bro.jgn dengar sangat mulut manis ejen.lepas jer ko sign muka dah tak nampak. |
|
|
|
|
|
|
|
|
|
|
|
melalui apa yg u citer i rase no need la 4 dis time
melainkan duit u byk tak reti nak wat ape
so better amek after get married nnti amek yg cover satu family punya  |
|
|
|
|
|
|
|
|
|
|
|
|
i rasa TT patut ambik untuk medical sahaja waktu ni and boleh bgtau agent you berapa you willing to commit every month. bila dah confident that you can increase the premium and add la package lain |
|
|
|
|
|
|
|
|
|
| |
Category: Wanita & Lelaki
|
Post time 9-8-2020 01:23 AM
变色卡
