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[Tempatan] Kenapa chuols TAK AMBIL insurans

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Post time 26-3-2019 03:55 PM | Show all posts |Read mode
Sape nak reply mesti make sure chuols tak ambil insurans ya, I saja nak dengar kenapa. Mcm iols sendiri pun takde insurans or medical card. No strong reason, may be because:
  • Kedekut kot, walaupun tau if anything happen mmg takde coverage dan akan habis la simpanan semua.
  • Rasa mcm probability for an accident to happen tu mcm 0.00001% je huhu (and yes no need to educate me about probability kalau dah terkena kat batang hidung sendiri, it's like pengetahuan tu ada tapi mcm... whatever!)


So I nak tanya juga la kalau chuols mmg sengaja tak ambill insurans, what are your reasons.

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Post time 26-3-2019 04:20 PM From the mobile phone | Show all posts
Hi... saya tak ambik insurans “tak mampu”.... dulu ... masa baru grad, weols hb & wife kena sara family... menghempas pulas pk camne nak tanggung adik2 hb , hb ibarat bapa tanggung semua, while mak ayah depa masih hidup pon nak kena entertain... kekonon syurga bawah tapak kaki ibu... menurut perintah je la... thank god drp medical line... bila tiba keadaan yg terlalu mendesak, boleh tny opinion kawan2 yg jadik consultant...  tak mampu nak sambung belajar atas kekangan kewangan (tanggungan ramai sgt walau bukan anak sendiri) . Sekian ringkasan sejarah sy tak ambik insurans
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Post time 26-3-2019 04:30 PM From the mobile phone | Show all posts
Btw... weols kerap apply loan... loan sikit2 dan selalu... .. each time bank akan bg insurans percuma utk 3 tahun pertama. Tp so far mmg tak pakai. Sy akan pastikan loan sy tu ada insurans (MRTA or the likes) kalau anything happen , yg personal insurance tu boleh la cover2 utk waris. Mmg sy akan cari loan yg akan dpt free personal insurance (biasa tak lama... 3 tahun pertama gitu)

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Post time 26-3-2019 04:33 PM From the mobile phone | Show all posts
Saya pernah ambil n then stop. Twice. Reason pertama, agent aku makan duit aku. Aku bayar yearly instead of monthly sebab ada discount katanya. Pas enam bulan aku dok tunggu policy, agent ni bagi macam-macam alasan. Rupanya dia songlap duit aku buat kenduri aqiqah anak dia...

Yang kedua, aku amik insurance dengan agent lain. Everything okay cuma aku stop sebab contract keje aku habis. Mana nak cekau duit monthly kan.. so just maintain insurance anak n laki je. Aku most of the time dok rumah now, so probability untuk accident or what so ever tu sedikit kecil la. Aku ada kesedaran pasal insurance ni cuma tak mampu je sekarang ni.

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Post time 26-3-2019 04:33 PM From the mobile phone | Show all posts
OFF TOPIC

please.... jgn buat anak menantu sbg ATM card anda... i had a very miserable life (till now) walopon parents dah RIP, tp disebabkan anak2 dorang dah dibiasakan meminta2 dan tak responsible, up to now adik2 tak berdikari
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Post time 26-3-2019 04:34 PM | Show all posts
iols tak amik medical card sbb iols keje gomen, apa2 sakit pon masuk hospital gomen
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Post time 26-3-2019 04:37 PM From the mobile phone | Show all posts
prizadane replied at 26-3-2019 04:33 PM
Saya pernah ambil n then stop. Twice. Reason pertama, agent aku makan duit aku. Aku bayar yearly ins ...

Bongok.

Buat kenduri aqiqah guna.duit haram....ni jenis nk menunjuk...bkn kira halal haram
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Post time 26-3-2019 04:38 PM From the mobile phone | Show all posts
TravellingBear replied at 26-3-2019 04:33 PM
OFF TOPIC

please.... jgn buat anak menantu sbg ATM card anda... i had a very miserable life (till ...

Moral of the story, kena check dgn sapa kita nk kawin...
Klu org yg kita nk kwin tu biasa jd ATM machine, sila elakkn....
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Post time 26-3-2019 04:41 PM | Show all posts
1. Kesedaran utk insurance terlambat.

2. Dedolu kecoh pasal life polisi ini haram.

3. Boleh percaya ke? Belek balik news artikel 1999-2001, 2009-2011. Life insurers sesuka hati boleh panjangkan tempoh pembayaran premium bila dia sendiri tersangkut dgn market downturn.

4. Boleh percaya ke? Policy cakap boleh claim mcm2, tapi bila nak claim samada proses itu sengaja dibuat sukar, atau smallprint utk taknak bayar terutama dlm hal medical coverage dgn excuse pre-existing condition.

5. apahal pon tolong jangan jadi bangang dan tak amek insurance bila keluar negara. this is a must. some insurers have very flexible plans yang extend coverage kira berapa lama diluar negara dlm setahun pon.

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Post time 26-3-2019 05:02 PM From the mobile phone | Show all posts
Sy tak ambik personal insurance SAHAJA . Tapi insurans lain yg tknk ambik risiko , sy tetap ambik sbb bayaran tak mahal & bukan kena bayar sampai bila2 pon. Contoh MRTA, one time payment only.
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Post time 26-3-2019 05:05 PM From the mobile phone | Show all posts
lee_sakura replied at 26-3-2019 04:34 PM
iols tak amik medical card sbb iols keje gomen, apa2 sakit pon masuk hospital gomen

Sama laa... medical card tak ambik sbb pegi gomen. Kdg ada bayaran sbb tak check prosedur , tp mmg harga mampu bayar...
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Post time 26-3-2019 05:28 PM | Show all posts
iols sgt minat dgn topik insuran/takaful ni..
ada pglmn..
tp buat masa skrg mslh utama adalah mothly komitmen..mahal ok medical card..plg murah rm150 seorg..

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 Author| Post time 27-3-2019 06:50 AM | Show all posts
jazaa100 replied at 26-3-2019 04:38 PM
Moral of the story, kena check dgn sapa kita nk kawin...
Klu org yg kita nk kwin tu biasa jd ATM  ...

Dan yang nak jadikan kita ATM pun sila elakkan
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Post time 27-3-2019 10:12 AM | Show all posts
me tak ambik insurans sebab tanak ade komitmen bulanan, tak mampu gaji kecil, b40 yada yada-yada-yada
kalau masuk hospital ke apa bergantung harap pada GL jela semata-mata sebab kerja kerajaan
cuma ambil insurans kalau pergi keluar negara je
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Post time 27-3-2019 10:14 AM | Show all posts
Thread pendapat peribadi jer ker ni?
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Post time 27-3-2019 10:28 AM | Show all posts
sbb spital malaysia ni terlampau murah
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Post time 27-3-2019 10:29 AM | Show all posts
iols pnh ambil life insurans since start keje 2006.
sebulan murah rm60cmtu ja.
tp life insurans ni just cover kalau kita mati haha.
then i tmbh riders tuk critical illness.
on that time medical card xda or belum famous lg.
pastu bru2 ni i sakit n kn op.
insurans iols xcover..sedih betul.
last2 rasa frust i terminate n dpt balik lbh kurg 5k cmtu.
boleh la dr xda lgsg..


so skrg i tgh survey medical card yg cover most of my keperluan yg still on my budget .
mahal ya ampun.
ank br sorg.
kalau anak ramai macam mana la
for husbnd rm180
mychild rm150
me rm160
n sbb masih xmpu i just ambil untuk husbnd n anak .

i rasa mmg perlu ambil bg yg belum.
tp just make sure uols dpt agen yg ok.
sbb skrg bila umur dh start 30 or 40 mcm2 pnykt dtg..
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Post time 27-3-2019 10:54 AM | Show all posts
iols ada medical card. 2 tahun macam tu.

sebelum ni iols pernah kena admit kat hospital kerajaan. 14hari jugak lah.

since ada medical card, agen iols ckp boleh cover untuk elaun hospital harian masuk wad rm100 sehari.

jadi lepas discharged iols pun mintak lah elaun ni. mula2 insuran nak discharged notes je dari hospital, but then memandangkan insuran iols carum belum matang 2 tahun.. so diorang kena investigate takut penyakit iols tu ada sebelum ambik insuran tu lagi.

kena isi borang la.. pastu mintak doktor isi borang.. proses tu ambik masa berbulan2..

sampai satu masa give up dan nak stop je insuran nii.

tapi kalau iols stop, lepas ni susah lah iols nak ambik medical card dah sebab ada history sakit.

teruskan lah jugak dengan application tu..

akhirnya dapat jugak lah claim elaun tu.. lepas medical report lah.. borang2 macam2.. nasib baik agen agak ok..

insuran ni nak duit cepat je.. kalau nak bagi duit kat kita.. macam2 lah dia nak..
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Post time 27-3-2019 11:08 AM From the mobile phone | Show all posts
malaysiaku123 replied at 26-3-2019 05:28 PM
iols sgt minat dgn topik insuran/takaful ni..
ada pglmn..
tp buat masa skrg mslh utama adalah moth ...

Umur brapa uol. iol buat asb yg cover skli insurans. Klau uol umur under 30, baru rm99 sbulan. iol buat umur da 30an rm137 sebulan. Bnyk jg la cover utk medical. Nk lnjut, uol g mna2 bank yg ada buat asb ni. Jgn tnya iol, iol xreti nk terang.
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Post time 27-3-2019 11:12 AM From the mobile phone | Show all posts
Muntz replied at 27-3-2019 10:14 AM
Thread pendapat peribadi jer ker ni?

Bukan pendapat... tp pengalaman duduk kat malaysia ni ... insurans relevan ke tak
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