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Ada seorang ibu bertanyakan mengenai takaful untuk anaknya. Anaknya dah ader bronkitis. Tapi sayangnya, takafulnya kena hold dulu selama 2 tahun. Selepas tue baru boleh mohon balik. Jika anak2 puan/tuan baru jer lahir, seumur 15 hari sudah boleh mencarum takaful |
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Guinevere posted on 14-4-2014 09:20 PM 
Saya tgh carik education plan for my kids .. Xnak medical card
Sapa2 age kat Penang pm ye. To
boleh rujuk kami di Pejabat Prudential Seberang Jaya ... Konsultan kami bersedia membantu anda.
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ok bermula tahun ni ... banyak syarikat Takaful/Insuran menaikkan kos premium yg melibatkan Perubatan ... So sesapa yg ambik pakej stand alone ... anda akan merasa kenaikan yg amat ketara ... dan sesiapa yg ambik Plan Investment Link ...anda mungkin tak merasa ketara kenaikan itu |
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Salam semua ... lama pulak tak jenguk sini ..
just nak share info semasa.. disebabkan kos medikal meningkat, jadi pihak insuran telah mendapat kelulusan dari Bank Negara Malaysia untuk menaikan kadar premium bulanan .. So apa pendapat anda ... tu belum di kira lagi dgn implementation GST lagi... |
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Policyholders to pay more for coverage
PETALING JAYA: Faced with higher claims from rising medical costs, many insurance companies have increased their charges and premiums by up to 20%.
National Association of Malaysian Life Insurance Field Force and Advisers (Namlifa) deputy president Kho Chui Ing said most companies had adjusted their charges and premiums for medical, health and investment-linked policies over the last few months to cope with medical inflation.
“Some companies are offering policy upgrades and at the same time increasing premiums while others just raise the existing policy charges and premiums,” he said, adding that insurance companies only needed to issue a 30-day written notice to policyholders for the hike to take effect.
Policyholders must comply with the new rates or risk their policy lapsing.
Admitting that agents have a tough time explaining the increases, Kho said Namlifa had a duty to protect the welfare of its 12,000 members and policyholders.
“We are also policyholders and we too have to pay the same rates for the same benefits as our clients. Policyholders have to see what is causing the inflation and solve that rather than get angry with the insurance companies and agents.
“Even hawkers are raising their prices insisting it’s not by choice but a necessity as ingredients are expensive,” he said, adding that Namlifa would engage with Bank Negara to ensure a more sustainable growth for the industry.
Prudential Assurance Malaysia Berhad (PAMB) recently notified its policyholders that the PRUmajor med plans (PMM) premiums and charges would be increased effective from the individual’s policy anniversary date. PMM is a medical and hospitalisation rider that is attached to investment-linked insurance plans (known as PRUlink plans) offered by PAMB.
PAMB CEO Philip Seah said only those with a PMM plan attached to their investment-linked policies were included in the revision.
He said the percentage of increase varied from individual to individual, depending on the type of plan. Any revision was only made after taking into consideration the rising costs and frequency of people seeking treatment. This was to ensure that policyholders continued to enjoy medical coverage in the long run.
“We’ve increased the lifetime limit of all PMM plans to ensure that policyholders are able to cope with rising medical inflation,” he said, adding that medical inflation in Malaysia was currently about 10% yearly and projected to continue rising.
In December, the Government allowed a maximum 14.4% rise in private medical fees – almost half of the 30% requested by the Malaysian Medical Association (MMA).
General Insurance Association of Malaysia (PIAM) chairman Chua Seck Guan said medical and health insurance, which accounted for RM920mil of the sector’s total market share last year, was projected to grow as demand in the healthcare sector increased in line with the country’s development as a medical hub.
MMA president Datuk Dr N.K.S. Tharmaseelan said insurance companies should control wasteful expenditure by hospitals instead of increasing premiums. They should also be “eagle-eyed” when presented with hospital bills and speak up when they are overcharged.
“(Instead) they take the easy way out by arm-twisting doctors to lower their fees,” he said.
Fomca secretary-general Datuk Paul Selvaraj said insurance companies should not hold consumers to ransom because health insurance was a necessity.
“Any increase should only be on new or upgraded policies and policyholders must be given an option whether or not they want the extra benefits. If they are happy with the present coverage, insurance companies should not force them to pay more,” he said. |
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ibm632 posted on 14-5-2014 12:06 PM
Salam semua ... lama pulak tak jenguk sini ..
just nak share info semasa.. disebabkan kos medikal ...
Brape % yg naik tu? Hr tu dpt surat gak dr prudential...rasanya pasal kenaikan ni la..tp ejen aku xde ckp pape plak...a
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lurve82 posted on 24-5-2014 05:55 AM
Brape % yg naik tu? Hr tu dpt surat gak dr prudential...rasanya pasal kenaikan ni la..tp ejen aku ...
% kenaikan kos medikal insuran caj tu bergantung kpd Risiko dan umur client tu
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Parrent Income Benefit dan Parent Term adalah benefit yg menarik yg perlukan perhatian parent semua |
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Sabtu hari tu visit kawan kat hospital sungai buloh. Kawan perempuan yg kene half stroke berumur 27 tahun. Pagi tu mase nak pegi keje tengah sarung seluar tetibe collaps, sempat sarung seluar sebelah kaki je. Tangan dgn kaki kanan tetibe x boleh bergerak. Anak sulung kpd 5 adik beradik, yg kecik masih bersekolah. Mak dgn ayah dah lame meninggal. Selama ni die yg take over tanggungjawab, dialah mak dialah ayah. Bile berlaku mcm ni, sy terfikir kalau sy ditempat die.. Macam mane nak buat, ape nak buat.. Dan sy sedih sbb die xde something yg boleh bantu bile berlaku mcm ni, ye, xde insuran. Sy just mampu bagi hadiah dari segi kewangan sikit, 100 below masih boleh. Tapi 20,000 / 30,000 / 50,000 even 100,000 and above, hanya insuran sahaja yg boleh.. Sekarang baru betul2 tawakal.. Same2 doakan supaya dia cepat sembuh dan dipermudahkan segala urusan..
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Alhamdulillah. Dengan bertakaful dapat meringankan beban beberapa keluarga untuk kos rawatan anak.
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nak tanyalah.. sekarang ni klu anak umur 1 tahun 6 bulan dan 5 tahun, brp paling minimum bayaran insuran ek? kalau bleh nak medical card sekali.. |
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anayeizra posted on 12-6-2014 02:35 PM
nak tanyalah.. sekarang ni klu anak umur 1 tahun 6 bulan dan 5 tahun, brp paling minimum bayaran ins ...
Sy dah pm puan  |
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Edisi soalan: 1. Takaful mana yg terbaik? 2. Apsal Takaful awak mahal? 3. Saya tengah compare-compare lagi...
Sepanjang saya jadi ejen Takaful, saya banyak diajukan soalan seperti:
A) 'Takaful brand mana lagi bagus'
B) 'Kenapa takaful brand ni lagi murah dari ko punya?
C) 'Saya tengah compare compare lagi ni'.
Saya jawabkan sini supaya mudah menjadi rujukan pada non-Takafulist untuk membuat keputusan.
1. Mana mana brand yang namanya Takaful adalah baik.
2. Mana brand lagi baik? Kalau saya jawab bias jadinya, sebab saya mewakili salah satu dari beberapa brand yang ada.
3. Sepanjang saya menguruskan Takaful dari tahun 2010, sudah hampir 20++ klem yang saya kendalikan (walaupun setengah org raserkan sedikit tapi bagi saya sesuailah juga untuk berkongsi Ilmu). Alhamdulillah 100% dari keseluruhan klem diselesaikan dan di honor oleh Takaful seperti yg dijanjikan.
Apa yang saya nak sampaikan kepada semua Non-Takafulist sekalian, jawapan yang saya ada semuanya berdasarkan pengalaman peribadi saya sendiri sebagai seorang pengendali Takaful. Saya tidak tahu syarikat brand lain bagaimana, atau ajen lain bagaimana, saya tidak ada jawapan mutlak untuk soalan soalan perbandingan sebegitu.
Jadi, kalau bersoal dengan saya, tak perlu tanyakan takaful syarikat lain macam mana, sebab saya tak mahir. |
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buatlah pilihan yg terbaik...
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Selamat berpuasa buat warga insurans, takaful n forumer. Semoga ramadhan kali ini lebih bermakna. Amin. |
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Baru settle buat claim kemalangan luar untuk anak client.
Jalan2 shopping, anak terjatuh kat escalator.
Lebam n bengkak kat bahagian kaki n dada.
Pegi klinik, resit Rm 65.
Bende tak dijangka, Alhamdulillah boleh bantu sikit client ni. |
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siapa dekat sini agen aia takaful. Boleh bagi info tak tentang family punya plan yang terbaru tu |
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sy agent prubsn |
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integra posted on 11-7-2014 10:10 AM
sy agent prubsn
Iyer ,... saya iyer kan .... Integra adalah alah seorang Senior ejen Di PruBSN Takaful
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Post time 19-4-2014 05:09 PM
