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Sunday, October 21, 2012

KAD PERUBATAN UNTUK MAK & AYAH tercinta

Assalamualaikum, warga maya...

Pasti ramai yang telah memiliki kad perubatan peribadi..di bawah mana-mana syarikat insuran@takaful yang berdaftar dengan BANK NEGARA MALAYSIA.
 
inilah kad perubatan..

Kad debit perubatan ini membolehkan anda mendapatkan rawatan di hospital swasta secara percuma.Kerana bil yang dikenakan akan ditanggung oleh syarikat GREAT EASTERN. Nilai kad bermula drp RM480,000 sehingga RM1,200,000. Demi keselesaan terbaik utk diri dan keluarga, KAD PERUBATAN ini menjadi satu keperluan dan kewajipan di zaman sekarang ini. Jangan SETAKAT merungut dgn servis di hospital kerajaan yg terpaksa tunggu lama, toilet busuk, makan tak sedap, katil sebelah menyebelah(penuh sesak), layanan kasar...dan lain-lain. tetapi tanya diri sendiri APA TINDAKAN ANDA dalam mengatasi masalah ini???Jika anda mampu, apa salahnya anda miliki kad perubatan sendiri..dan biarkan org yang kurang mampu mendapat rawatan di hospital kerajaan..Keadaan akan menjadi lebih baik.Anggaplah pengorbanan kita keluar dari sebilangan pesakit ini, memberi sejuta kebaikan kepada pesakit yang kurang berkemampuan utk rawatan lebih selesa...

Hari ini nak kongsi satu produk daripada GREAT EASTERN utk parents kita yang mungkin dah berumur. kalau nak ambil pakej lengkap SIMPANAN + PELABURAN + KAD PERUBATAN + PERLINDUNGAN PAMPASAN...mungkin tidak mampu kerana peningkatan umur berkadar dengan risiko penyakit dan kesihatan. Menjadikan premium bulanan mencecah hampir RM500 - RM1000 sebulan. Mungkin membebankan kepada yang berpendapatan sederhana seperti anda. oleh kerana ini, GREAT EASTERN memperkenalkan satu plan KAD PERUBATAN yang "stand alone" atau KAD PERUBATAN sahaja tanpa simpanan dan pelaburan dengan harga yang berpatutan dan mampu milik.

 yang ini
ATAU
yang ini......
Pilihan di tangan kita.....kita berhak memilih yang TERBAIK utk diri kita & keluarga...


NAMA PLAN: GREAT MEDICARE 2

RINGKASNYA:
Plan ini utk individu, kad perubatan komprehensif sahaja, bayaran perlu diperharui (renew) setiap tahun sehingga berumur 79 tahun. Harga kad bergantung kepada umur mak ayah anda pada tahun berikutnya.

APA YANG PARENTS ANDA DAPAT DARIPADA PLAN INI?
Apabila parents anda memerlukan  rawatan doktor, disebabkan oleh kemalangan atau sebarang penyakit ringan atau berat (kecuali penyakit yang dah sedia ada sebelum memohon kad ini) atau sebarang perlindungan GREAT EASTERN akan menanggung semua bil hospital & kos rawatan (anda tolong bayar 10% atau maksimum RM500 sahaja) daripada jumlah bayaran bill hospital.

Semua kos rawatan atau follow up 2 bulan sebelum dimasukkan wad dan 3 bulan selepas dimasukkan. Kad boleh mula digunakan:

1. Sebarang penyakit bermula selepas 30 hari dari tarikh polisi & kad perubatan dikeluarkan
2. Utk kes kemalangan boleh diguankan SERTA MERTA dari tarikh polisi dikeluarkan.

Four types of plans available:
1. GMC2-150 for Room & Board (Bilik berharga RM150 - bilik 2 katil)
2. GMC2-200 for Room & Board (Bilik berharga RM200 - bilik single@1st class)
3. GMC2-300 for Room & Board (Bilik berharga RM300 - bilik exec)
4. GMC2-400 for Room & Board (Bilik berharga RM400) - executive suit)



Minimum / Maximum Age at Entry:

Minimum : umur 30 hari
Maximum : umur 60 tahun

2. Policy Term
boleh guna kad sampai umur 80 tahun sahaja

BAYARAN:

1. Cara bayaran:

  • secara tahunan sekaligus atau setengah tahun.
  • cara nak bayar: cash, cheque, or credit card
2. jumlah bayaran yang dikenakan bergantung kepada jantina dan jenis pekerjaan & faktor risiko.

DISKAUN:
1. Non-smoker Discount : Not applicable.
2. Group Special Discount : KALAU SATU FAMILY AMBIL LEBIH DARIPADA 2 KAD, DAPAT DISKAUN 5%.

APA BERLAKU KALAU ANDA NAK CANCEL KAD INI??MUNGKIN DAH TAK MAMPU BAYAR LAGI....MACAM MANA DUIT YANG DAH BAYAR SETAHUN TU??DAPAT BALIK TAK.....tengok jadual di bawah:

kalau baru lagi tak melebihi 15 hari: 90% bayarn dikembalikan kenapa?10% terpaksa ditolak utk kos pentadbiran, kad yang ditempah & buku polisi yang telah dicetak dll..

So, jangan risau sangat, duit anda dikembalikan....pelaburan & sebarang perkhidmatan di bawah GREAT EASTERN sangat terjamin & selamat kerana setiap aktiviti, plan yang dilancarkan dan pelaburan di bawah kawalan dan kelulusan BANK NEGARA MALAYSIA. TIADA sebarang unsur2 penipuan atau penyelewengan yang boleh menyalahi akta KEWANGAN BANK NEGARA..

UTK MENJADI ADIL KEPADA PARENTS ANDA DAN GREAT EASTERN...
Anda @ parents anda berhak membaca polisi terlebih dahulu dalam tempoh 15 hari dan jika tidak berpuas hati, dibenarkan membatalkan polisi dan REFUND(pulangan) 100% duit yang telah dibayar jika tidak melibatkan sebarang pemeriksaan kesihatan yang ditanggung oleh GREAT EASTERN dalam meluluskan polisi parents anda.

PALING PENTING WAJIB DIAMBIL TAHU: (EXCLUSIONS)
GREAT EASTERN takkan tanggung kos perubatan melibatkan:

diulangi..."takkan..takkan..takkan..." ini penting untuk pemahaman kita semua. to be fair kepada GREAT EASTERN dan juga pelanggan....we shud make this agreement clear & transparent. supaya tidak timbul isu "INSURAN SUKA TIPU ORANG"...insuran tidak mungkin menipu kerana ia dilindungi akta-akta negara dan kesilapan yang berlaku mungkin: manipulasi fakta oleh agen, kesalahfahaman drp pihak pelanggan sendiri, ada sebarang fakta tidak didedahkan, atau pelanggan sendiri kurang faham dan malas nak bertanya....sehingga timbul permasalahan...sambung baca please..kos yang tidak ditanggung adalah seperti berikut:

1. Sebarang penyakit yang dah tersedia ada sebelum memohon

2. Penyakit spesifik seperti disenaraikan di bawah ini mestilah melebihi 120 hari baru boleh guna:
“Specified Illnesses” means the following disabilities and its related complications, occurring within the first 120 days from the Risk Commencement Date. However, if there is a break in coverage prior to the expiry of the said 120 days, a fresh period of 120 days shall apply again from the date of reinstatement:
(a) DaRAH TINGGI, kencing manis and penyakit jantung;
(b) semua tumor, kanser, sis, nodul, polyps, batu karang pada salur kencing dan hempedu (c) Semua sakit berkaitan telinga, hidung termasuk resdung dan sakit tekak KECUALI SESEMA DAN SAKIT TEKAK(boleh guna) 

(d) Hernias(angin pasang), haemorrhoids(buasir), fistulae, hydrocele, varicocele;
(e) Endometriosis including disease of the Reproduction system;
(f) Vertebro-spinal disorders (including disc) and knee conditions.


3. Sebarang kesakitan yang berlaku dalam tempoh 30 hari pertama dari tarikh permohonan fizikal atau mental.

4. pembedahan plastik/kosmetik, sunat, pemeriksaan mata, spek mata, kontek lens, dan rawatan berkaitan rabun mata yang dah sedia ada. or surgical correction of nearsightedness and farsightedness (Radial Keratotomy or Lasik) and the use or acquisition of external prosthetic appliances or devices such as artificial limbs, hearing aids, implanted
pacemakers and prescriptions thereof;

5. Dental conditions including dental treatment or oral surgery; except as necessitated due to Injury to
sound natural teeth occurring in any Policy Year and performed by Dentist. In addition, expenses
arising from placement of denture and prosthetic services such as bridges, implants and crowns or
their replacement will not be payable;

6. Private nursing, rest cures or sanitaria care, illegal drugs, intoxication (including but not limited to
alcohol and drugs), sterilization, venereal disease and its sequelae, AIDS (Acquired Immune
Deficiency Syndrome) or ARC (AIDS Related Complex) and HIV related diseases, and any
communicable diseases required quarantine by law;

7. Any treatment or surgical operation for Congenital Conditions or deformities including hereditary
conditions;

8. Pregnancy, childbirth (including surgical delivery and any surgical or non surgical procedure of the female reproductive system during surgical delivery), miscarriage, abortion and prenatal or postnatal care and surgical, mechanical or chemical contraceptive methods of birth control or treatment pertaining to infertility. Erectile dysfunction and tests or treatment related to impotence or sterilization;

9. Hospitalisation primarily for investigatory purposes, diagnosis, x-ray examination, general physical or
medical examinations, not incidental to treatment or diagnosis of a covered Disability or any treatment
which is not Medically Necessary and any preventive treatments, preventive medicines or
examinations carried out by a Physician, and treatments specifically for weight reduction or gain;
10. Suicide, attempted suicide or intentionally self-inflicted injury while sane or insane;
11. War or any act of war, declared or undeclared, criminal or terrorist activities, active duty in any armed
forces, direct participation in strikes, riots and civil commotion or insurrection;
12. Ionising radiation or contamination by radioactivity from any nuclear fuel or nuclear waste from
process of nuclear fission or from any nuclear weapons material
13. Expenses incurred for donation of any body organ by an Life Assured and cost of acquisition of the
organ including all costs incurred by the donor during organ transplant and its complications;
14. Investigations and treatment of sleep and snoring disorders, hyperhidrosis treatment, hormone
replacement therapy, stem cell therapy, PET scan and alternative therapy such as treatment,
medical service or supplies, including but not limited to chiropractic services, acupuncture,
acupressure, reflexology, bone setting, herbalist treatment, massage, hyperbaric oxygen therapy or
aromatherapy or other alternative treatment;
15. Care or treatment for which payment is not required or to the extent which is payable by any other
insurance or indemnity covering the Life Assured and disabilities arising out of duties of
employment or profession that is covered under a Workman’s Compensation Insurance Contract or
from either sources in respect of Injury or Illness or Disease for which the claim is made;
16. Psychotic, mental or nervous disorders, (including any neuroses and their physiological or
psychosomatic manifestations);
17. Costs/expenses of services of a non-medical nature, such as television, telephones, telex services,
broadband services, electricity bills for hand phone charging, radios or similar facilities, admission
kit/pack and other ineligible non-medical items;
18. Sickness or Injury arising from racing of any kind (except foot racing), hazardous sports such as but
not limited to parachuting, sky-diving, water skiing, underwater activities requiring breathing apparatus,
winter sports, professional sports and illegal activities;
19. Engaging in aerial flights other than as a crew member or as a fare-paying passenger of an
International Airline operating on a regular scheduled route;
20. Expenses incurred for sex change;
21. Any Outpatient treatment not related to Inpatient treatment, except as provided under this Policy;
22. Any Accident caused by mosquito bites, worm infestations such as “Hookworms” and allergic
reaction to insect bites during the first thirty (30) days from the Risk Commencement Date;
23. Charges which are not Reasonable and Customary Charges, or any surgery or treatment which is
not Medically Necessary, or charges in excess of Reasonable and Customary Charges, or charges
which are incurred for hospitalisation, pre-hospitalisation and/or post-hospitalisation after the Expiry
Date;
24. Any medical treatment received by the Life Assured outside Malaysia, if the Life Assured resides ortravel outside Malaysia for more than ninety (90) consecutive days.


Note:
Kindly refer to individual policy contract for details of exclusions


Ok,  harap anda jelas setakat ini...persoalan sekarang berapa pulak harganya???sila lihat jadual dibawah..
ANB - assured next besday (umur pemohon pada besday akan datang)
GMC-2 150(H209) - plan yang dapat bilik masa kat wad nanti berharga 150 satu malam, GMC200 - bilik yg berharga 200, 300 dan last 400 yer..

contoh: table biru utk lelaki : ANB (1-5 tahun) utk pakej bilik RM150 semalam lihat GMC-150 (H209) RM846/setahun...maknanya sebulan hanya RM70.50 sahaja...harap anda faham.kalau tak faham, sila tanya saya.



kalau pekerjaan kelas berisiko tinggi 3 dan 4 kena tambah sikitla...dalam RM 2-3 riggit beza.

Senarai penyakit yang dilindungi:

1) Serangan jantung
2) Stroke /angin ahmar
3) Coronary Artery Disease Requiring Surgery
4) Cancer
5) Kidney Failure
6) Fulminant Viral Hepatitis
7) Major Organ Transplant
8) Paralysis / Paraplegia
9) Multiple Sclerosis
10) Primary Pulmonary Arterial Hypertension
11) Blindness
12) Heart Valve Replacement
13) Loss Of Hearing / Deafness
14) Surgery To Aorta
15) Loss of Speech
16) Alzheimer’s Disease / Irreversible Organic Degenerative Brain Disorders
17) Major Burns
18) Coma
19) Terminal Illness
20) Motor Neuron Disease
21) AIDS Due To Blood Transfusion
22) Parkinson’s Disease
23) Chronic Liver Disease
24) Chronic Lung Disease
25) Major Head Trauma
26) Aplastic Anaemia
27) Muscular Dystrophy
28) Benign Brain Tumour
29) Encephalitis
30) Poliomyelitis
31) Brain Surgery
32) Bacterial Meningitis
33) Other Serious Coronary Artery Disease
34) Apallic Syndrome
35) AIDS Cover of Medical Staff
36) Full Blown AIDS
37) Angioplasty
38) Medullary Cystic Kidney
39) Cardiomyopathy
40) Systemic Lupus Erythematosus with Lupus Nephritis (SLE)
41) Bone Marrow Transplant
42) Glomerulonephritis with Nephrotic Syndrome
43) Insulin Dependent Diabetes Mellitus
44) Intellectual Impairment due to Accident or Sickness
45) Kawasaki Disease with Heart Complications
46) Leukaemia
47) Rheumatic Fever with Valvular Impairment
48) Severe Asthma
49) Severe Juvenile Rheumatoid Arthritis (including Still’s Disease)

Hati bahagia apabila melihat mereka GEMBIRA...kerana tanpa mereka siapalah kita??Kejayaan kita hari ini adalah milik mereka juga yang bersusah payah membesarkan dan banyak berkorban utk kita.Berilah satu hadiah yang bermakna ini di hari jadi mereka sebelum tiada lagi sambutan ulang tahun mereka...@ sebelum mereka menutup mata.....






"Jika kita mampu tidur beralas bantal  jangan biarkan mereka tidur beralas lengan... "


MACAM MANA NAK APPLY??
-DETAILS DIPERLUKAN: nama penuh parents, no. IC, berat, tinggi &pekerjaan parents, no telefon parents dan details pembayar.

BORANG BOLEH AMBIL DENGAN SAYA...
HASBAH JUWAINI
LECTURER @ GREAT EASTERN FINANCIAL ADVISER 
MASTER IN BUSINESS ADMIN
DEGREE (KEPUJIAN) BIOPERUBATAN













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