Well, i've been longing to post about insurance long long time ago.. but it seems that i have much more things to share.. but there's an urgency (due to some reasons) for me to tell u about insurance today. now.
So, do YOU have an insurance..?
Well, why not..?
erm.. to tell u the truth, in the first place i don't want to buy an insurance for ALia.. well.. i thought i won't be needing it!
but after i sent her to the nursery.. and she somehow developed some episodes of coughs.. endless.. and in the end, before she gets any worse, i applied one.
ALhamdulillah, i am a government servant. by right i can get medical treatments from the government hospitals. but i went there several times.. but in the end, the doctor told me
" i'm sorry, your child is under 2 years old, so we can't prescribe cough medicines for her.."
(can't blame him though, coz there's a circular stating that cough medicine is not advisable for 2 years and below..)
so in the end, i had to seek the private hospitals.
..and when we had to admit her, that's when the insurance comes in handy..
(of course, u have to go to the hospitals that are on their list.. if not, u'd have to pay using ur money 1st, later on they'll pay u back.. ahh.. so leceh..)
so, back to insurance. we bought Prudential BSN Takaful for Alia. 'Takaful' there means that it s Islamic.
So, like last time, when we had to admit Alia (to Ampang Puteri Hospital), we just showed the card, paid RM300 as deposit.. and happily duduk dalam wad..
(the rest of the bill will be settled by Prudential and the hospital themselves..)
and i got mine too! It is for saving and medical coverage. (oh ya, ALia's insurance also has savings.. so nanti bila dah 18 years old, ada la sikit duit poket for her University dll).
and mine covers half a million (for medical coverage)..
erm.. :) that's all that i'd like to share with you.. :)