Sesi Tanya Pakar bersama En. Liew Song Aik, Consultant, BUSS Consulting (M) Sdn Bhd

Sudahkah ibu ayah mengambil insurans untuk diri sendiri dan anak-anak?Adakah pelan perubatan anda memberikan anda perlindungan ke atas semua penyakit dan kecederaan? Adakah anda patut ambil pelan yang murah sahaja? Adakah pelan perubatan anda akan melindungi keadaan kesihatan anda sekarang? Setiap individu kini digalakkan untuk mengambil insurans kerana dengan keadaan virus sekarang, macam-macam boleh berlaku. Harini kita sihat, tetapi esok mungkin kita jatuh sakit yang teruk. Siapa nak tahu kan? Sekiranya anda ingin tahu lebih lanjut tentang pelan insurans dan pelan apa yang terbaik untuk anda dan keluarga jom ikuti Sesi Tanya Pakar kami pada kali ini. Tanya soalan tentang apa yang harus dipertimbangkan sebelum mendapatkan insurans serta keperluan mengambil rancangan insurans khusus untuk keperluan keluarga bersama dengan En. Liew Song Aik, Consultant, BUSS Consulting (M) Sdn Bhd pada 17 Mac, hari Khamis, jam 3 petang. *NOTA: Sebarang persoalan di luar daripada topik dan tarikh yang ditetapkan mungkin tidak akan dijawab atau dipadam terus.

theAsianparent Malaysia

Team theAsianparent

13 Balas

Tulis jawapan

Hi Mr Liew, would Life Insurance cover the same items like Health Insurance such as hospitalisation and critical illness? Sounds like the coverage overlaps and not sure if I need both or just one

Success Achievers

Preggers

3y ago

Life , hospitalisation & critical illness are cater for different needs . Life insurance covers death and total permanent disablement. Health insurance is to cover the cost of hospitalisation, where else Critical illness pays a lump sum cash to the insured when he/she are struck with critical illness. Is recommended to have life , hospitalisation and critical illness so that all areas are covered.

Hi Mr Liew. apakah pakej insurance yang jimat yang sesuai untuk seluruh keluarga? Adakah insurance untuk baby perlu diambil dari seawal dalam kandungan ibu lagi? mohon penjelasan 🙏

Success Achievers

Preggers

3y ago

Family Medical Takaful yang paling jimat dan sesuai untuk seluruh keluarga. Ya, ini memastikan kesejahteraan ibu dan bayi melalui perlindungan pranatal dan postnatal serta perlindungan untuk si kecil.

Good day Mr. Liew. Is it true the younger my child is when I buy a policy, the better it will be? Or in what age would you recommend parents to buy a policy for their child?

Success Achievers

Preggers

3y ago

Yes. The entry premium will be lower when the age are younger. Chances to be accepted by the company is also higher because they are healthier. As early as 13th weeks into pregnancy .

Hi Mr. Liew, how do I choose being life insurance, critical illness and hospitalisation? Especially if I can't afford to hold and maintain so many insurance plans?

Success Achievers

Preggers

3y ago

Is advisable to prioritise your needs based on your budget. We would recommend you to take up hospitalisation plan first, followed by critical illness and life insurance . However , there are plans that combined all of the above with affordable premium . You should speak to licensed insurance agent.

Selamat petang En. Liew, bagaimana untuk memilih pelan insurans untuk keluarga saya? Jumlah pendapatan kami hanya RM5000 sebulan dan kami mempunyai 3 orang anak.

Success Achievers

Preggers

3y ago

Family Medical Takaful yang paling jimat dan sesuai untuk seluruh keluarga. Untuk pencari nafkah, amat disyorkan untuk mendapat perlindungan insurance hayat dan penyakit kritikal kerana ini akan menolong mengantikan sumber pendapatan untuk sekeluarganya.

Hi Mr. Liew, any maximum age for insurance? My parents are elderly and have been turned down before. Worried about covid and other complications... TQ

Success Achievers

Preggers

3y ago

Yes . Maximum age is 70 and is subject to their health conditions.

Hi Mr Liew, betul ke insurance utk baby hanya boleh diambil selepas baby lahir? ada beza ke kalau ambil insurance biasa dengan takaful? thank you

Baca lagi

Success Achievers

Preggers

3y ago

Insurance baby boleh diambil seawal 13 - 36 minggu mengandung. Tiada perbezaan dari segi perlindungan , tetapi Takaful tertakluk kepada undang undang Syariah dan kerajaan dan insurance tertakluk kepada undang undang kerajaan.

VIP Member

Is it OK if i only take accident insurance for my kids? Because they rarely fall sick so I think to take up for accident only. Thank you

Success Achievers

Preggers

3y ago

Insurance is a risk transfer tools as nobody can guarantee what will happen to them. Therefore, it is recommended to take up a health insurance as it covers both accident and sickness. Sickness such as Covid-19 is covered under health insurance.

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