{"id":3527,"date":"2025-05-10T09:30:37","date_gmt":"2025-05-10T01:30:37","guid":{"rendered":"https:\/\/protac.com.my\/web\/?p=3527"},"modified":"2025-05-19T15:51:10","modified_gmt":"2025-05-19T07:51:10","slug":"skim-hospital-dan-pembedahan","status":"publish","type":"post","link":"https:\/\/protac.com.my\/web\/skim-hospital-dan-pembedahan\/","title":{"rendered":"Skim Hospital Dan Pembedahan"},"content":{"rendered":"

[vc_row][vc_column][vc_column_text css=””]<\/p>\n

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\u201c\ud835\udc6b\ud835\udc82\ud835\udc89 \ud835\udc83\ud835\udc82\ud835\udc9a\ud835\udc82\ud835\udc93 \ud835\udc83\ud835\udc86\ud835\udc93\ud835\udc95\ud835\udc82\ud835\udc89\ud835\udc96\ud835\udc8f-\ud835\udc95\ud835\udc82\ud835\udc89\ud835\udc96\ud835\udc8f, \ud835\udc95\ud835\udc8a\ud835\udc83\ud835\udc82-\ud835\udc95\ud835\udc8a\ud835\udc83\ud835\udc82 \ud835\udc89\ud835\udc90\ud835\udc94\ud835\udc91\ud835\udc8a\ud835\udc95\ud835\udc82\ud835\udc8d \ud835\udc84\ud835\udc82\ud835\udc8c\ud835\udc82\ud835\udc91 \ud835\udc7b\ud835\udc68\ud835\udc72 \ud835\udc73\ud835\udc7c\ud835\udc73\ud835\udc7c\ud835\udc7a?!\u201d<\/div>\n<\/div>\n
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Kawan saya call pagi tadi. Suaranya bergetar.<\/div>\n
\u201cBro\u2026 hospital tak bagi masuk wad. Takaful reject. Aku dah bayar lebih 5 tahun. Apa hal ni?!\u201d<\/div>\n<\/div>\n
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Saya tarik nafas. Ini bukan kali pertama saya dengar ayat macam ni.<\/div>\n
Dan saya yakin\u2026 ini pun bukan kali terakhir.<\/div>\n<\/div>\n
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Ramai orang bayar takaful setiap bulan dengan penuh harapan:<\/div>\n
Bila sakit, ada perlindungan. Bila kecemasan, ada ketenangan.<\/div>\n
Tapi bila tiba masa nak guna, \ud835\udc84\ud835\udc8d\ud835\udc82\ud835\udc8a\ud835\udc8e \ud835\udc8c\ud835\udc86\ud835\udc8f\ud835\udc82 \ud835\udc95\ud835\udc90\ud835\udc8d\ud835\udc82\ud835\udc8c.<\/div>\n<\/div>\n
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\ud835\udc72\ud835\udc86\ud835\udc8f\ud835\udc82\ud835\udc91\ud835\udc82? \ud835\udc7a\ud835\udc82\ud835\udc8d\ud835\udc82\ud835\udc89 \ud835\udc94\ud835\udc8a\ud835\udc82\ud835\udc91\ud835\udc82 \ud835\udc94\ud835\udc86\ud835\udc83\ud835\udc86\ud835\udc8f\ud835\udc82\ud835\udc93\ud835\udc8f\ud835\udc9a\ud835\udc82?<\/div>\n<\/div>\n
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\u2e3b<\/div>\n<\/div>\n
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1. \ud835\udc77\ud835\udc86\ud835\udc8f\ud835\udc9a\ud835\udc82\ud835\udc8c\ud835\udc8a\ud835\udc95 \ud835\udc94\ud835\udc86\ud835\udc85\ud835\udc8a\ud835\udc82 \ud835\udc82\ud835\udc85\ud835\udc82 (\ud835\udc77\ud835\udc93\ud835\udc86-\ud835\udc86\ud835\udc99\ud835\udc8a\ud835\udc94\ud835\udc95\ud835\udc8a\ud835\udc8f\ud835\udc88 \ud835\udc84\ud835\udc90\ud835\udc8f\ud835\udc85\ud835\udc8a\ud835\udc95\ud835\udc8a\ud835\udc90\ud835\udc8f)<\/div>\n<\/div>\n
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Kebanyakan polisi takaful TIDAK cover penyakit yang sudah wujud sebelum anda daftar.<\/div>\n
Kalau anda pernah ada gastrik kronik, darah tinggi, slip disc \u2014 dan tak isytihar masa daftar \u2014 risiko claim kena tolak sangat tinggi.<\/div>\n<\/div>\n
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\ud835\udc70\ud835\udc8f\ud835\udc8a \ud835\udc94\ud835\udc82\ud835\udc8d\ud835\udc82\ud835\udc89 \ud835\udc94\ud835\udc8a\ud835\udc82\ud835\udc91\ud835\udc82?<\/div>\n<\/div>\n
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Kalau anda tak isytihar, itu salah sendiri.<\/div>\n
Tapi kalau agen tak tanya langsung atau suruh \u201cjangan sebut\u201d, itu salah yang lebih besar. \ud835\udc68\ud835\udc8e\ud835\udc82\ud835\udc8f\ud835\udc82\ud835\udc89 \ud835\udc85\ud835\udc8a\ud835\udc8c\ud835\udc89\ud835\udc8a\ud835\udc82\ud835\udc8f\ud835\udc82\ud835\udc95\ud835\udc8a.<\/div>\n<\/div>\n
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\u2e3b<\/div>\n<\/div>\n
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2. \ud835\udc7b\ud835\udc86\ud835\udc8e\ud835\udc91\ud835\udc90\ud835\udc89 \ud835\udc8e\ud835\udc86\ud835\udc8f\ud835\udc96\ud835\udc8f\ud835\udc88\ud835\udc88\ud835\udc96 (\ud835\udc7e\ud835\udc82\ud835\udc8a\ud835\udc95\ud835\udc8a\ud835\udc8f\ud835\udc88 \ud835\udc91\ud835\udc86\ud835\udc93\ud835\udc8a\ud835\udc90\ud835\udc85)<\/div>\n<\/div>\n
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Baru daftar medical card 2 bulan, tiba-tiba nak buat rawatan jantung?<\/div>\n
Kebanyakan polisi ada tempoh menunggu:<\/div>\n
\u2022 30 hari untuk penyakit biasa<\/div>\n
\u2022 120 hari untuk penyakit khusus (specified illness)<\/div>\n
\u2022 12 bulan untuk penyakit sedia ada<\/div>\n<\/div>\n
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\ud835\udc70\ud835\udc8f\ud835\udc8a \ud835\udc83\ud835\udc96\ud835\udc8c\ud835\udc82\ud835\udc8f \ud835\udc91\ud835\udc86\ud835\udc8f\ud835\udc8a\ud835\udc91\ud835\udc96\ud835\udc82\ud835\udc8f. \ud835\udc70\ud835\udc8f\ud835\udc8a \ud835\udc94\ud835\udc9a\ud835\udc82\ud835\udc93\ud835\udc82\ud835\udc95 \ud835\udc89\ud835\udc8a\ud835\udc95\ud835\udc82\ud835\udc8e \ud835\udc91\ud835\udc96\ud835\udc95\ud835\udc8a\ud835\udc89 \ud835\udc85\ud835\udc82\ud835\udc8d\ud835\udc82\ud835\udc8e \ud835\udc91\ud835\udc90\ud835\udc8d\ud835\udc8a\ud835\udc94\ud835\udc8a.<\/div>\n<\/div>\n
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Tapi\u2026 ramai tak tahu.<\/div>\n
Kenapa? Sebab ramai ejen lebih fokus close sale, kurang fokus beri ilmu.<\/div>\n<\/div>\n
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\u2e3b<\/div>\n<\/div>\n
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3. \ud835\udc77\ud835\udc90\ud835\udc8d\ud835\udc8a\ud835\udc94\ud835\udc8a \ud835\udc85\ud835\udc82\ud835\udc89 \ud835\udc73\ud835\udc68\ud835\udc77\ud835\udc7a\ud835\udc6c (\ud835\udc95\ud835\udc82\ud835\udc8c \ud835\udc82\ud835\udc8c\ud835\udc95\ud835\udc8a\ud835\udc87)<\/div>\n<\/div>\n
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Ini paling pedih.<\/div>\n
Orang yakin dia ada medical card. Tapi sebenarnya polisi dia dah lapse 6 bulan sebab tertunggak caruman \u2014 mungkin kad auto-debit luput, mungkin tukar akaun bank, mungkin terlepas pandang.<\/div>\n<\/div>\n
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Dan waktu paling \u2018tepat\u2019 untuk sedar benda ni?<\/div>\n
Waktu tengah sakit.<\/div>\n<\/div>\n
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\u2e3b<\/div>\n<\/div>\n
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4. \ud835\udc79\ud835\udc82\ud835\udc98\ud835\udc82\ud835\udc95\ud835\udc82\ud835\udc8f \ud835\udc95\ud835\udc82\ud835\udc8c \ud835\udc85\ud835\udc8a\ud835\udc8d\ud835\udc8a\ud835\udc8f\ud835\udc85\ud835\udc96\ud835\udc8f\ud835\udc88\ud835\udc8a<\/div>\n<\/div>\n
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Medical card tak cover semua benda.<\/div>\n
Contohnya:<\/div>\n
\u2022 Rawatan kosmetik<\/div>\n
\u2022 Ubat eksperimen<\/div>\n
\u2022 Subfertiliti (ikhtiar hamil)<\/div>\n
\u2022 Checkup biasa tanpa sebab klinikal<\/div>\n<\/div>\n
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Kalau tak faham limitasi ni, orang mudah rasa tertipu. Tapi hakikatnya, semua ni tertulis dalam Policy Schedule \u2014 tapi siapa yang baca?<\/div>\n<\/div>\n
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\u2e3b<\/div>\n<\/div>\n
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5. \ud835\udc72\ud835\udc90\ud835\udc85 \ud835\udc85\ud835\udc8a\ud835\udc82\ud835\udc88\ud835\udc8f\ud835\udc90\ud835\udc94\ud835\udc8a\ud835\udc94 \/ \ud835\udc91\ud835\udc93\ud835\udc90\ud835\udc94\ud835\udc86\ud835\udc85\ud835\udc96\ud835\udc93 \ud835\udc95\ud835\udc82\ud835\udc8c \ud835\udc95\ud835\udc86\ud835\udc91\ud835\udc82\ud835\udc95<\/div>\n<\/div>\n
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Kadang-kadang bukan salah peserta, bukan salah ejen.<\/div>\n
Doktor tersilap tulis diagnosis. Atau sistem hospital tersilap kod.<\/div>\n
Kes begini boleh buat claim kena auto-reject.<\/div>\n<\/div>\n
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Tapi \ud835\udc83\ud835\udc90\ud835\udc8d\ud835\udc86\ud835\udc89 \ud835\udc83\ud835\udc96\ud835\udc82\ud835\udc95 \ud835\udc93\ud835\udc82\ud835\udc9a\ud835\udc96\ud835\udc82\ud835\udc8f \u2014 dengan bukti yang betul, insyaAllah masih ada peluang.<\/div>\n<\/div>\n
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\u2e3b<\/div>\n<\/div>\n
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\ud835\udc71\ud835\udc82\ud835\udc85\ud835\udc8a\u2026 \ud835\udc94\ud835\udc8a\ud835\udc82\ud835\udc91\ud835\udc82 \ud835\udc9a\ud835\udc82\ud835\udc8f\ud835\udc88 \ud835\udc94\ud835\udc82\ud835\udc8d\ud835\udc82\ud835\udc89 \ud835\udc83\ud835\udc8a\ud835\udc8d\ud835\udc82 \ud835\udc84\ud835\udc8d\ud835\udc82\ud835\udc8a\ud835\udc8e \ud835\udc8c\ud835\udc86\ud835\udc8f\ud835\udc82 \ud835\udc93\ud835\udc86\ud835\udc8b\ud835\udc86\ud835\udc84\ud835\udc95?<\/div>\n<\/div>\n
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Jawapan jujur: Kadang peserta cuai.<\/div>\n
Kadang agen tak jujur.<\/div>\n
Kadang sistem takaful pun perlukan penambahbaikan.<\/div>\n
Tapi satu yang pasti: \ud835\uddde\ud835\uddd8\ud835\udde6\ud835\uddd8\ud835\uddd7\ud835\uddd4\ud835\udde5\ud835\uddd4\ud835\udde1 \ud835\udddc\ud835\udde7\ud835\udde8 \ud835\udde7\ud835\uddd4\ud835\udde1\ud835\uddda\ud835\uddda\ud835\udde8\ud835\udde1\ud835\uddda\ud835\udddd\ud835\uddd4\ud835\uddea\ud835\uddd4\ud835\uddd5 \ud835\uddde\ud835\udddc\ud835\udde7\ud835\uddd4 \ud835\udde6\ud835\uddd8\ud835\udde0\ud835\udde8\ud835\uddd4.<\/div>\n<\/div>\n
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\u2e3b<\/div>\n<\/div>\n
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Kredit : Sulaiman Nor<\/div>\n<\/div>\n

[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

[vc_row][vc_column][vc_column_text css=””] \u201c\ud835\udc6b\ud835\udc82\ud835\udc89 \ud835\udc83\ud835\udc82\ud835\udc9a\ud835\udc82\ud835\udc93 \ud835\udc83\ud835\udc86\ud835\udc93\ud835\udc95\ud835\udc82\ud835\udc89\ud835\udc96\ud835\udc8f-\ud835\udc95\ud835\udc82\ud835\udc89\ud835\udc96\ud835\udc8f, \ud835\udc95\ud835\udc8a\ud835\udc83\ud835\udc82-\ud835\udc95\ud835\udc8a\ud835\udc83\ud835\udc82 \ud835\udc89\ud835\udc90\ud835\udc94\ud835\udc91\ud835\udc8a\ud835\udc95\ud835\udc82\ud835\udc8d \ud835\udc84\ud835\udc82\ud835\udc8c\ud835\udc82\ud835\udc91 \ud835\udc7b\ud835\udc68\ud835\udc72 \ud835\udc73\ud835\udc7c\ud835\udc73\ud835\udc7c\ud835\udc7a?!\u201d Kawan saya call pagi tadi. Suaranya bergetar. \u201cBro\u2026 hospital tak bagi masuk wad. Takaful reject. Aku dah bayar lebih 5 tahun. Apa hal ni?!\u201d Saya tarik nafas. Ini bukan kali pertama saya dengar ayat macam ni. Dan saya yakin\u2026 ini pun bukan kali terakhir. Ramai…<\/p>\n","protected":false},"author":2,"featured_media":3547,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[33],"tags":[],"class_list":["post-3527","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-training","category-33","description-off"],"_links":{"self":[{"href":"https:\/\/protac.com.my\/web\/wp-json\/wp\/v2\/posts\/3527","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/protac.com.my\/web\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/protac.com.my\/web\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/protac.com.my\/web\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/protac.com.my\/web\/wp-json\/wp\/v2\/comments?post=3527"}],"version-history":[{"count":3,"href":"https:\/\/protac.com.my\/web\/wp-json\/wp\/v2\/posts\/3527\/revisions"}],"predecessor-version":[{"id":3553,"href":"https:\/\/protac.com.my\/web\/wp-json\/wp\/v2\/posts\/3527\/revisions\/3553"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/protac.com.my\/web\/wp-json\/wp\/v2\/media\/3547"}],"wp:attachment":[{"href":"https:\/\/protac.com.my\/web\/wp-json\/wp\/v2\/media?parent=3527"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/protac.com.my\/web\/wp-json\/wp\/v2\/categories?post=3527"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/protac.com.my\/web\/wp-json\/wp\/v2\/tags?post=3527"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}