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Friday, September 9, 2016
Price vs Value
11:00:00 AM
Her friend saw it and said: "Wow! That's a very obvious place to show off your new phone."
The girl smiled and replied, "I'm playing the piano that is worth tens of thousands and all you can see is a phone that costs only a few thousand?"
The girl's mother said to the girl, "You are staying in a mansion that is worth a few million and all you can see is a piano that is worth a less than a hundred thousand?"
The girl's father walked in and said to her mother, "You are married to a billionaire and all you can see is a mansion that only costs a few million?"
Life Insurance has helped many families solved millions ringgit of debt and daily living expenses but all people talked about is the few thousands of premium.
Many merely focus on the price and not the value.
This is also why many remember how much insurance premium they serve but forgot how much coverage they are being protected.
"Price is what you pay. Value is what you get." - Warren Buffet
Saturday, September 3, 2016
Zika : Do medical insurance / takaful policies covers?
11:43:00 AM
Many years back, Malaysia was surprised with Japanese Encephalitis (JE) spread by mosquitoes.
Same as Zika, illnesses or fever that is caused by Zika is still fairly new in Asia. Malaysia has only detected one case so far.
The Health Ministry is working round the clock to handle this issue.
So far, Zika is still in review for insurance and takaful policies because there isn't any cure or vaccine found.
Thus, such outbreak will be normally handled by the government.
It is compulsory that all Zika related cases are referred to Government Hospitals.
Wednesday, June 1, 2016
Does Your Cancer Coverage Cover You Full?
5:59:00 PM
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As the title says, does your cancer coverage cover you full?
What does that mean?
Many of the Insurance Companies' Medical Benefits (a.k.a. Medical Card) cover in-patient and out-patient cancer treatment. We all know that if we are admitted, all treatment related expenses will be covered by Insurance Companies' Medical Benefits (subject to no exclusion).
What about Out-Patient Cancer Treatment?
Out-Patient Cancer Treatment Benefit simply means Cancer Treatment (Radiotherapy, Chemotherapy) that is done without admitting to the hospital. More often, doctor will need to do Examination, give Consultation and sometimes prescribe the patient with some take-home medicine.
When the question asked, whether your Cancer Coverage provides you with full cover, it means whether it covers Doctor's Examination, Consultation and Take-Home Medicine during an Out-Patient Cancer Treatment or not.
Check your policy for your Medical Benefits definition / write-ups and see if it covers you with Doctor's Examination, Consultation and Take-Home Medicine during an Out-Patient Cancer Treatment.
If it does not cover, then you might face a hefty charges from the hospital, if you are required to go through such treatment.
Contact Us to know how you can make your Cancer Coverage more comprehensive!
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