{"id":1278,"date":"2021-09-10T16:04:40","date_gmt":"2021-09-10T08:04:40","guid":{"rendered":"https:\/\/blog.bjak.com\/?p=1278"},"modified":"2025-11-05T17:15:08","modified_gmt":"2025-11-05T09:15:08","slug":"tahukah-anda-ini-5-jenis-kos-perubatan-yang-insurans-tak-cover","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/tahukah-anda-ini-5-jenis-kos-perubatan-yang-insurans-tak-cover","title":{"rendered":"Tahukah Anda? Ini 5 Jenis Kos Perubatan yang Insurans tak &#8216;cover&#8217;"},"content":{"rendered":"\n<p>Mempunyai insurans perubatan tidak bermakna segala jenis rawatan akan ditanggung oleh syarikat insurans. Jom ketahui lanjut dalam artikel ini!<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"2982\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/tahukah-anda-ini-5-jenis-kos-perubatan-yang-insurans-tak-cover\/attachment\/befunky-collage-30\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/BeFunky-collage-30.jpg?fit=800%2C400&amp;ssl=1\" data-orig-size=\"800,400\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;1&quot;}\" data-image-title=\"BeFunky-collage (30)\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/BeFunky-collage-30.jpg?fit=300%2C150&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/BeFunky-collage-30.jpg?fit=800%2C400&amp;ssl=1\" loading=\"lazy\" width=\"800\" height=\"400\" src=\"https:\/\/i0.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/09\/BeFunky-collage-30.jpg?resize=800%2C400&#038;ssl=1\" alt=\"\" class=\"wp-image-2982\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/BeFunky-collage-30.jpg?w=800&amp;ssl=1 800w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/BeFunky-collage-30.jpg?resize=300%2C150&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/BeFunky-collage-30.jpg?resize=768%2C384&amp;ssl=1 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Insurans Perubatan diwujudkan bagi membantu pencarum untuk mengurangkan beban kewangan terutama bagi kos rawatan apabila dimasukkan ke hospital. <\/p>\n\n\n\n<p>Melalui <a href=\"https:\/\/www.bharian.com.my\/wanita\/sihat\/2019\/11\/630264\/fakta-sebenar-mengenai-insuranstakaful-perubatan-dan-kesihatan\">insurans perubatan<\/a>, perbelanjaan kos rawatan termasuk penginapan di wad, ubat-ubatan dan pembedahan akan ditanggung oleh syarikat insurans, berdasarkan  jumlah perlindungan dan limit yang termaktub dalam polisi insurans individu.<\/p>\n\n\n\n<p>Namun, tidak semua kos perubatan sama ada dalam bentuk perubatan, ubat-ubatan atau pembedahan akan ditanggung oleh syarikat insurans. Untuk pengetahuan anda, terdapat beberapa perkara yang mungkin pihak insurans perubatan tidak akan biaya iaitu:<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_50 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Contents =<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\" role=\"button\"><label for=\"item-69d759ee290cb\" aria-hidden=\"true\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999999;color:#999999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999999;color:#999999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69d759ee290cb\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/tahukah-anda-ini-5-jenis-kos-perubatan-yang-insurans-tak-cover\/#1_Insurans_tak_cover_prosedur_kosmetik_anda\" title=\"1. Insurans tak cover prosedur kosmetik anda \">1. Insurans tak cover prosedur kosmetik anda <\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/tahukah-anda-ini-5-jenis-kos-perubatan-yang-insurans-tak-cover\/#2_Insurans_tak_cover_rawatan_ubatan_tanpa_preskripsi\" title=\"2. Insurans tak cover rawatan \/ ubatan tanpa preskripsi \">2. Insurans tak cover rawatan \/ ubatan tanpa preskripsi <\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/tahukah-anda-ini-5-jenis-kos-perubatan-yang-insurans-tak-cover\/#3_Insurans_tak_cover_vaksinasi_untuk_melancong\" title=\"3. Insurans tak cover vaksinasi untuk melancong \">3. Insurans tak cover vaksinasi untuk melancong <\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/tahukah-anda-ini-5-jenis-kos-perubatan-yang-insurans-tak-cover\/#4_Kemajuan_pada_teknologi_perubatan\" title=\"4. Kemajuan pada teknologi perubatan\">4. Kemajuan pada teknologi perubatan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/tahukah-anda-ini-5-jenis-kos-perubatan-yang-insurans-tak-cover\/#5_Insurans_tak_cover_masalah_kesihatan_akibat_pelanggaran_undang-undang\" title=\"5. Insurans tak cover masalah kesihatan akibat pelanggaran undang-undang\">5. Insurans tak cover masalah kesihatan akibat pelanggaran undang-undang<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/tahukah-anda-ini-5-jenis-kos-perubatan-yang-insurans-tak-cover\/#Fahami_polisi_anda\" title=\"Fahami polisi anda\">Fahami polisi anda<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"1_Insurans_tak_cover_prosedur_kosmetik_anda\"><\/span>1. Insurans tak<em> cover<\/em> prosedur kosmetik anda <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img src=\"https:\/\/i0.wp.com\/cdn0-production-images-kly.akamaized.net\/Y1EkIIWcoi4hfwAAr7XfrrfrVLo=\/640x360\/smart\/filters:quality(75):strip_icc():format(jpeg)\/kly-media-production\/medias\/3314638\/original\/012335700_1606995362-Ilustrasi_prosedur_kosmetik.jpg?w=1200&#038;ssl=1\" alt=\"\" data-recalc-dims=\"1\"\/><\/figure>\n\n\n\n<p><em>&#8220;Saya nak buat pembedahan plastik pada wajah. Boleh ke saya buat claim insurans perubatan untuk tanggung<\/em> <em>kosnya?&#8221;<\/em><\/p>\n\n\n\n<p>Anda perlu tahu bahawa kebanyakan syarikat insurans tidak akan memberi perlindungan untuk prosedur kosmetik termasuklah rawatan gigi, berkhatan, pembedahan plastik dan lain-lain.<\/p>\n\n\n\n<p>Namun, anda mungkin boleh ditanggung oleh insurans sekiranya prosedur tersebut perlu dilakukan akibat daripada kecederaan yang tidak disengajakan ataupun kemalangan.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"2_Insurans_tak_cover_rawatan_ubatan_tanpa_preskripsi\"><\/span>2. Insurans tak <em>cover<\/em> rawatan \/ ubatan tanpa preskripsi <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img loading=\"lazy\" src=\"https:\/\/i1.wp.com\/assets.bharian.com.my\/images\/articles\/ubat4.transformed.jpg?resize=638%2C396&#038;ssl=1\" alt=\"\" width=\"638\" height=\"396\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Anda mungkin tidak akan dibiayai oleh syarikat insurans sekiranya rawatan serta ubat-ubatan yang diambil oleh anda tidak mendapat pengesahan atau kebenaran doktor.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"3_Insurans_tak_cover_vaksinasi_untuk_melancong\"><\/span>3. Insurans tak <em>cover<\/em> vaksinasi untuk melancong <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img src=\"https:\/\/i0.wp.com\/www.tripjalan.com\/wp-content\/uploads\/2020\/01\/vaksin-n1.jpg?w=1200&#038;ssl=1\" alt=\"\" data-recalc-dims=\"1\"\/><\/figure>\n\n\n\n<p>Sesetengah negara akan memerlukan anda untuk mendapatkan suntikan imunisasi tersebut sebelum boleh melancong ke tempat tersebut.<\/p>\n\n\n\n<p>Jadi, sekiranya anda perlu mendapatkan vaksinasi untuk tujuan itu, anda perlu tahu bahawa kosnya tidak akan dibiayai oleh insurans dan perlu menggunakan wang anda sendiri.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"4_Kemajuan_pada_teknologi_perubatan\"><\/span>4. Kemajuan pada teknologi perubatan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img loading=\"lazy\" src=\"https:\/\/i0.wp.com\/images-prod.healthline.com\/hlcmsresource\/images\/topic_centers\/2020-8\/MRI_scan-1296x728-header.jpg?w=1155&amp;h=1528\" alt=\"\" width=\"671\" height=\"376\"\/><\/figure>\n\n\n\n<p>Anda mungkin perlu mendapatkan prosedur tertentu bagi merawat penyakit anda.<\/p>\n\n\n\n<p>Namun, sekiranya prosedur tersebut memerlukan anda untuk mencuba sebarang teknologi baharu yang masih dalam tempoh penyelidikan, kos bagi prosedur tersebut mungkin tidak akan dibiayai oleh pihak insurans anda.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"5_Insurans_tak_cover_masalah_kesihatan_akibat_pelanggaran_undang-undang\"><\/span>5. Insurans tak cover masalah kesihatan akibat pelanggaran undang-undang<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img loading=\"lazy\" src=\"https:\/\/i2.wp.com\/blog.ipleaders.in\/wp-content\/uploads\/2020\/08\/No-Crime-Sign_0.jpg?resize=636%2C330&#038;ssl=1\" alt=\"\" width=\"636\" height=\"330\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Dua perkara yang jelas di sini. <\/p>\n\n\n\n<p>Sekiranya kesihatan anda terjejas akibat daripada kesalahan anda sendiri seperti penyalahgunaan dadah atau berlumba di atas jalan raya sehingga mengakibatkan kecederaan parah dan kecacatan kekal, maka anda pastinya tidak akan dilindungi insurans.<\/p>\n\n\n\n<p>Jadi, pastikan anda jalani kehidupan yang baik ya!<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Fahami_polisi_anda\"><\/span>Fahami polisi anda<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Meskipun anda membeli perlindungan insurans perubatan, ini tidak bermakna segala-galanya akan ditanggung oleh syarikat insurans anda. Jadi, fahamilah polisi insurans sebaiknya dan dapatkan pelan terbaik untuk diri anda.<\/p>\n\n\n\n<p>Sekiranya anda mempunyai sebarang persoalan mengenai insurans, anda juga boleh menghubungi ejen tanpa komisen<a href=\"https:\/\/bjak.com\/life\/en\/\"> Bjak<\/a> pada bila-bila masa. <\/p>\n\n\n\n<p>Rujukan:<\/p>\n\n\n\n<p><a href=\"https:\/\/www.bharian.com.my\/wanita\/sihat\/2019\/11\/630264\/fakta-sebenar-mengenai-insuranstakaful-perubatan-dan-kesihatan\">Sumber 1<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Mempunyai insurans perubatan tidak bermakna segala jenis rawatan akan ditanggung oleh syarikat insurans. Jom ketahui lanjut dalam artikel ini! Insurans Perubatan diwujudkan bagi membantu pencarum untuk mengurangkan beban kewangan terutama bagi kos rawatan apabila dimasukkan ke hospital. Melalui insurans perubatan, perbelanjaan kos rawatan termasuk penginapan di wad, ubat-ubatan dan pembedahan akan ditanggung oleh syarikat insurans,&hellip;&nbsp;<a href=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/tahukah-anda-ini-5-jenis-kos-perubatan-yang-insurans-tak-cover\" class=\"\" rel=\"bookmark\">Read More &raquo;<span class=\"screen-reader-text\">Tahukah Anda? Ini 5 Jenis Kos Perubatan yang Insurans tak &#8216;cover&#8217;<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":1320,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","spay_email":""},"categories":[351],"tags":[20,26,37,85,93,95,122,137,181],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Tahukah Anda? 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