07/07/2024
Ramai orang salah faham ya dengan isu ni ya. Meh Izz terangkan😄
Bank Negara Malaysia akan ada pembayaran jenis co-payment (minimun 5%). Maknanya nanti akan ada bayaran daripada pihak client dan jugak pihak takaful.
Contohnya macam ni, En Ali ni dia accident dan patah tulang tangan. Dia ada medical card yg byarannya jenis co-payment. Bila dia nak dapatkan rawatan dekat hospital swasta yang kosnya berharga RM20,000, dia perlu bayar 5% daripada RM20K tu, dan selebihnya Takaful akan cover.
"Eh? Kenapa macam tu? Bukannya kita bayar deductible RM500 sahaja ke Izz?"
Ya betul, jika kita ambil pelan polisi yang deductible RM500, kita bayar RM500 lah. Sekarang ni, dalam isu ni, BNM hanya perkenalkan satu lagi jenis pembayaran yang boleh menurunkan harga polisi/contribution Takaful. Haa macam tu...
Kalau ambil pelan co-takaful ni, harga bulanan medical card akan jauh lebih murah berbanding dengan harga medical card yang deductible RM500 tu. BNM hanya memberikan pilihan kepada anda untuk membuat pembayaran polisi insurans tu supaya tak koyak poket anda. 😆😆
Sekarang kan harga polisi/contribution memang meningkat mendadak tau! Dengan cara BNM ambil ni, korang masih boleh ada perlindungan tapi dengan harga yang jauh lagi murah.
Yang dah ada medical card tu, tak perlu risau dengan benda ni sebab anda tidak memilih untuk cara pembayaran macam ni. So takyah marah2 Bank Negara Malaysia tau! Diorang just nak tolong anda dapatkan pelan perlindungan yang jauh lebih murah drp bayaran biasa.
Sekarang di AIA pun ada pelan pembayaran yang bijak sangat untuk menurunkan harga polisi/contribution medical card tau! Nama dia pun dah SMART dah😉
Nak tahu dengan lebih lanjut boleh contact Izz. Rugi tak grab sekarang sebab sekarang ada polisi/contribution yang ada Medical Card yang cover sampai RM10juta + Faedah Kematian (Hibah) sekaligus! Tak cukup lagi, ada lagi promo Khairat Kematian sebanyak RM5K! HARGA BERPATUTAN TAU!
Berminat nak beli buat perlindungan dengan Takaful dan saya, Izz sebagai life planner anda?
Whatsapp saya, Izz, untuk FREE QUOTATION
Tekan je link bawah ni:
011-2587 9884
Spreading awareness, one step at a time. 🌹
𝙄𝙯𝙯
𝙔𝙤𝙪𝙧 𝘼𝙄𝘼 𝙏𝙖𝙠𝙖𝙛𝙪𝙡 𝘼𝙙𝙫𝙞𝙨𝙤𝙧
*Harga akan berbeza dari segi umur, jantina, risiko pekerjaan dan status merokok
BNM will require a co-payment option in health insurance by this Sept at a minimum 5%, no cap stated.
For example, if an insured patient receives an RM50,000 hospital bill, a 5% co-payment means the patient has to pay RM2,500 in cash out of pocket, despite having regularly paid premiums.
Deputy Finance Minister Lim Hui Ying told the Dewan Rakyat special chambers last July 1 that BNM's new co-payment policy is aimed at incentivising “more responsible usage of health care services” to reduce costs on insurance providers, citing medical inflation and the “buffet table syndrome” as the main drivers of a rise in health insurance premiums.
In response, the Galen Centre for Health and Social Policy points out that no one wants to get a chronic illness like kidney failure, cardiovascular disease, or cancer just to utilise their insurance coverage.
“By introducing a co-payment feature which will eventually replace existing products, insured patients could face large out-of-pocket payments beyond their means in the case of a major illness,” says Galen Centre CEO Azrul Mohd Khalib.
“Ironically, it could create the very situation which individuals expect to be protected from by having health insurance.”
The Galen Centre expects people to cancel their health insurance policies with the introduction of co-payments and go to the public health care system instead, thus increasing demand on already overloaded government hospitals and health care clinics.
“Is Bank Negara’s new policy requirement ultimately going to be of more benefit to insurers and private hospitals, rather than patients and their families?”
The requirement for insurers to offer health insurance products with a co-payment option at the point of sale by Sept 1 doesn't just apply to new products, but also renewal of existing medical and health insurance/ takaful policies or certificates.
Existing medical reimbursement products without a co-payment feature, including those with deductible below RM500, are still allowed to be offered by insurers/ takaful operators (ITOs), according to a previous BNM statement on July 3.
The story has been updated.
Read more:
https://codeblue.galencentre.org/2024/07/05/galen-new-health-insurance-co-payments-expose-households-to-financial-catastrophe/
