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Tips for getting the best Takaful medical plan:
1. Check the coverage
Different company offer different benefits. 10 yrs ago, RM50k medical coverage is enough, but now, one operation cost RM50k. YOU NEED AT LEAST RM100K/year of medical coverage TODAY.
1. Check the coverage
Different company offer different benefits. 10 yrs ago, RM50k medical coverage is enough, but now, one operation cost RM50k. YOU NEED AT LEAST RM100K/year of medical coverage TODAY.
Still under coverage point, check the exclusion for the coverage. This part may be tricky but your agent will tell you which is covered and which are excluded.
*one of the main reason why you need an agent*
*one of the main reason why you need an agent*
2. Lifetime limit
Some companies have lifetime limit, which is not very beneficial tu participants. When you are finding the best medical plan, look for a NO LIFETIME LIMIT plan.
It is beneficial for long term. Trust me.
Some companies have lifetime limit, which is not very beneficial tu participants. When you are finding the best medical plan, look for a NO LIFETIME LIMIT plan.
It is beneficial for long term. Trust me.
3. Rider (add on plan)
Some companies did not provide any additional plan, only cover for medical expenses. Find a plan that covers LIFE, accidents, critical illness, cancer, kidney and heart diseases.
Those coverages are very CRUCIAL.
Some companies did not provide any additional plan, only cover for medical expenses. Find a plan that covers LIFE, accidents, critical illness, cancer, kidney and heart diseases.
Those coverages are very CRUCIAL.
4. Price
The best amount of coverage you can afford is 10% FROM YOUR INCOME. If you can& #39;t afford to contribute 10% to invest in your protection, that means you need financial advices bcs you are OVERSPENDING.
The best amount of coverage you can afford is 10% FROM YOUR INCOME. If you can& #39;t afford to contribute 10% to invest in your protection, that means you need financial advices bcs you are OVERSPENDING.
Price is the last point I would say to compare bcs when you faced a life changing events, forking out money for your takaful will feel like nothing.
Don& #39;t save a couple ringgit just bcs you think IT IS NOT IMPORTANT TO ME NOW.
Don& #39;t save a couple ringgit just bcs you think IT IS NOT IMPORTANT TO ME NOW.
It is okay if you want to compare your medical plan, but don& #39;t take too long to compare. You won& #39;t know what& #39;s waiting for you just around the corner 
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Ahmad Fawwaz Shahrul-Amar
Prudential BSN Takaful Consultant
#takaful
#savings
#prubsn
#hibah
Ahmad Fawwaz Shahrul-Amar
Prudential BSN Takaful Consultant
#takaful
#savings
#prubsn
#hibah
I realised there are some grammatical and typo errors but don& #39;t focus on that. Focus on the points. Hope it will be beneficial to everyone.
Have a good day and take care of your health!
Have a good day and take care of your health!
