Thursday, December 6, 2012

Insurance

Today i bought insurance for my youngest.
Macam biasala i ambil prudential. Sebulan RM120.00 cover PA, Education and Hospitalization with medical card. If need to admit to hospital, i have to pay rm300 only, other charges, they will cover.  If i die, they will cover the premium until she's 25 years old. If hospitalized, they will cover up to 65K per year...macam tulah. If something happen to her, they will pay lump sum and you don't have to pay the premium anymore and still continue the plan until 75 years old.  If you want to withdraw money, they won't charge interest...the bad one is, you cannot commit suicide during your first 12 months, after that you can do it if you plan to. Haha! It's true! Make sure you die committing your suicide because they won't cover your hospitalization cost if you are hospitalized because of suicide.
Then, if you are an organ donor, they won't cover your operation cost but they will cover if your are the receiver. Macam biasa, not cover for pregnancy, abortion anything related to having baby, cosmetic surgery..and so on. Read your certificate people!

Dah lama nak beli untuk Lina tapi kewangan sentiasa tidak membenarkan lagipun beli insurance ni macam rugi jer sebab duk bayar premium banyak-banyak especially first year, then tengok jumlah boleh keluar ada rm200 ajer. You kena fahamlah insurance bukan macam simpanan tapi insurance kena ada in case of anything happens in the future. I ingat tak nak beli insurance untuk Lina ni sebab company hubby dah cover dan ingat nak menabung dalam tabung haji ajer bulan-bulan. Tapi dah 3 tahun dah dapat bilang dengan jari berapa kali i masukkan duit dalam tabung haji. then kalau i mati takat itu ajelah simpanan dia. berbanding insurance ni, kalau i mati tabungan dia tetap bertambah tanpa membebankan hubby i. Bukannya duit dah cukup, duit i takkan cukup so, tutup mata call agent iaitu my friend suh mai bawa borang. Dah settle. Simpanan tetap kena ada bukan tak payah tapi insurance pun kena ada sebagai perlindungan kepada simpanan. Itu ajelah. Hubby tak tahulah sebab dia kata tak perlu beli insurance kat Lina. Ala, dia pun harap yang company ajer in case kena buang kerja kan naya kena pi klinik satu malaysia plak...lagipun i yang bayaq.

Taktaulah mungkin rezeki kerja sendiri lebih banyak simpanan dari kerja tetap dulu. Mungkin i lebih value the money because it's very difficult to earn. Alhamdulillah...semoga rezeki terus datang. Amin.

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