{"id":1331,"date":"2021-09-10T16:27:02","date_gmt":"2021-09-10T08:27:02","guid":{"rendered":"https:\/\/blog.bjak.com\/?p=1331"},"modified":"2025-11-05T17:14:42","modified_gmt":"2025-11-05T09:14:42","slug":"cuba-claim-insurans-atau-takaful-tapi-ditolak-ini-antara-5-puncanya","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/cuba-claim-insurans-atau-takaful-tapi-ditolak-ini-antara-5-puncanya","title":{"rendered":"5 Sebab Permohonan &#8216;Claim&#8217; Insurans atau Takaful Anda ditolak"},"content":{"rendered":"\n<p><em>&#8220;Saya nak buat tuntutan insurans untuk bayar kos rawatan hospital, tetapi kenapa ditolak?&#8221;<\/em><\/p>\n\n\n\n<p>Sakitnya hati kalau tiba-tiba situasi seperti di atas ini berlaku pada diri sendiri kan? Sudahlah penat menanggung kesakitan, kemudian hati pula bagai &#8216;dirobek&#8217; selepas cubaan untuk membuat tuntutan insurans ditolak.<\/p>\n\n\n\n<p>Tetapi anda perlu ingat, pihak insurans tidak akan sewenang-wenangnya boleh menolak permohonan bagi tuntutan insurans anda. Sini kami senaraikan antara lima puncanya:<\/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-69da30447f3ca\" 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-69da30447f3ca\"><\/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-kereta\/cuba-claim-insurans-atau-takaful-tapi-ditolak-ini-antara-5-puncanya\/#1_Anda_tidak_memberi_pengesahan_sebenar_mengenai_penyakit_sedia_ada\" title=\"1. Anda tidak memberi pengesahan sebenar mengenai penyakit sedia ada\">1. Anda tidak memberi pengesahan sebenar mengenai penyakit sedia ada<\/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-kereta\/cuba-claim-insurans-atau-takaful-tapi-ditolak-ini-antara-5-puncanya\/#2_Tuntutan_melebihi_jumlah_perlindungan\" title=\"2. Tuntutan melebihi jumlah perlindungan\">2. Tuntutan melebihi jumlah perlindungan<\/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-kereta\/cuba-claim-insurans-atau-takaful-tapi-ditolak-ini-antara-5-puncanya\/#3_Anda_masih_dalam_tempoh_menunggu\" title=\"3. Anda masih dalam tempoh menunggu\">3. Anda masih dalam tempoh menunggu<\/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-kereta\/cuba-claim-insurans-atau-takaful-tapi-ditolak-ini-antara-5-puncanya\/#4_Tempoh_untuk_menghantar_tuntutan_telah_luput\" title=\"4. Tempoh untuk menghantar tuntutan telah luput\">4. Tempoh untuk menghantar tuntutan telah luput<\/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-kereta\/cuba-claim-insurans-atau-takaful-tapi-ditolak-ini-antara-5-puncanya\/#5_Maklumat_tidak_cukup_dan_lengkap\" title=\"5. Maklumat tidak cukup dan lengkap\">5. Maklumat tidak cukup dan lengkap<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"1_Anda_tidak_memberi_pengesahan_sebenar_mengenai_penyakit_sedia_ada\"><\/span>1. Anda tidak memberi pengesahan sebenar mengenai penyakit sedia ada<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\t<div class=\"wp-block-jetpack-gif\">\n\t\t<figure>\n\t\t\t\t\t\t\t<div class=\"wp-block-jetpack-gif-wrapper\" style=\"padding-top:50%\">\n\t\t\t\t\t<iframe src=\"https:\/\/giphy.com\/embed\/3o6UBdd79rm7vxtOSs\" title=\"https:\/\/media.giphy.com\/media\/3o6UBdd79rm7vxtOSs\/giphy.gif\"><\/iframe>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/figure>\n\t<\/div>\n\t\n\n\n<p>Ketika proses anda untuk mendapatkan perlindungan insurans perubatan sebelum ini, anda pastinya sudah diminta untuk membuat pengesahan mengenai penyakit sedia ada anda. <\/p>\n\n\n\n<p>Ingat, jangan sesekali cuba menyembunyikan penyakit anda tidak kiralah sama ada kritikal mahupun tidak. Anda perlu tahu bahawa pihak insurans mahupun Takaful boleh mendapatkan laporan perubatan daripada jabatan tuntutan yang akan melakukan siasatan apabila permohonan tuntutan anda dibuat. <\/p>\n\n\n\n<p>Sekiranya permohonan tuntutan yang dibuat itu adalah untuk penyakit sedia ada yang tidak diisytiharkan anda sebelum ini, maka sudah semestinya tuntutan anda akan ditolak. Jadi, jangan cuba sembunyikan penyakit anda dan berlakulah jujur!<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"2_Tuntutan_melebihi_jumlah_perlindungan\"><\/span>2. Tuntutan melebihi jumlah perlindungan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\t<div class=\"wp-block-jetpack-gif\">\n\t\t<figure>\n\t\t\t\t\t\t\t<div class=\"wp-block-jetpack-gif-wrapper\" style=\"padding-top:100%\">\n\t\t\t\t\t<iframe src=\"https:\/\/giphy.com\/embed\/3ohzdKxGEmIpXCheW4\" title=\"https:\/\/media.giphy.com\/media\/3ohzdKxGEmIpXCheW4\/giphy.gif\"><\/iframe>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/figure>\n\t<\/div>\n\t\n\n\n<p>Setiap pelan insurans mahupun Takaful pasti mempunyai had tuntutan tahunan yang telah ditetapkan. Jadi setiap tahun, anda hanya akan dibenar untuk membuat tuntutan tidak melebihi jumlah yang telah ditetapkan dalam polisi insurans anda. Sekiranya lebih daripada itu, maka kemungkinan besar tuntutan anda akan ditolak.<\/p>\n\n\n\n<p>Jadi sebelum mendapatkan pelan insurans atau Takaful, pastikan anda ketahui limit tahunan untuk pelan tersebut agar anda dapat mengagak jumlah tuntutan yang boleh dibuat setiap tahun!<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"3_Anda_masih_dalam_tempoh_menunggu\"><\/span>3. Anda masih dalam tempoh menunggu<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\t<div class=\"wp-block-jetpack-gif\">\n\t\t<figure>\n\t\t\t\t\t\t\t<div class=\"wp-block-jetpack-gif-wrapper\" style=\"padding-top:83%\">\n\t\t\t\t\t<iframe src=\"https:\/\/giphy.com\/embed\/QPQ3xlJhqR1BXl89RG\" title=\"https:\/\/media.giphy.com\/media\/QPQ3xlJhqR1BXl89RG\/giphy.gif\"><\/iframe>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/figure>\n\t<\/div>\n\t\n\n\n<p>Tahukah anda bahawa majoriti syarikat insurans mengenakan tempoh menunggu sehingga 120 hari bagi penyakit tertentu seperti  darah tinggi, kencing manis, cyst, kanser dan banyak lagi . Tempoh menunggu atau disebut juga sebagai <em>waiting period<\/em> ini dikenakan khusus kepada pencarum atau individu yang baru membeli insurans perubatan.<\/p>\n\n\n\n<p>Ini bermakna sepanjang tempoh ini (iaitu dari tarikh polisi diaktifkan), anda tidak boleh menggunakan kad perubatan sekiranya dimasukkan ke hospital. Sekiranya anda membuat juga tuntutan, pastilah ia akan ditolak oleh syarikat insurans!<\/p>\n\n\n\n<p>Namun, lain kisahnya jika anda terlibat dalam kemalangan. Tempoh menunggu tidak akan dikenakan dan anda boleh menggunakan kad perubatan dengan serta-merta.<\/p>\n\n\n\n<p><em>(Sila rujuk polisi anda untuk lihat senarai penyakit yang dikenakan bagi tempoh menunggu).<\/em><\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"4_Tempoh_untuk_menghantar_tuntutan_telah_luput\"><\/span>4. Tempoh untuk menghantar tuntutan telah luput<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\t<div class=\"wp-block-jetpack-gif\">\n\t\t<figure>\n\t\t\t\t\t\t\t<div class=\"wp-block-jetpack-gif-wrapper\" style=\"padding-top:83%\">\n\t\t\t\t\t<iframe src=\"https:\/\/giphy.com\/embed\/psaxnXPg4sfOilpRkN\" title=\"https:\/\/media.giphy.com\/media\/psaxnXPg4sfOilpRkN\/giphy.gif\"><\/iframe>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/figure>\n\t<\/div>\n\t\n\n\n<p>Untuk membuat tuntutan, anda perlulah menghantarnya dalam tempoh atau masa yang telah ditetapkan oleh syarikat insurans mahupun Takaful. Jika anda melebihi tempoh tersebut, permohonan anda boleh ditolak meskipun semua dokuman sokongan telah lengkap.<\/p>\n\n\n\n<p>Pada kebiaasaannya, tempoh yang diberikan oleh syarikat insurans atau takaful untuk anda membuat tuntutan adalah 3 bulan dari tarikh anda mendapatkan rawatan (bergantung kepada polisi setiap syarikat insurans\/ takaful). <\/p>\n\n\n\n<p>Jadi, bagi memastikan permohonan tuntutan anda tidak ditolak, silalah lakukannya dalam tempoh yang telah ditetapkan ok!<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"5_Maklumat_tidak_cukup_dan_lengkap\"><\/span>5. Maklumat tidak cukup dan lengkap<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\t<div class=\"wp-block-jetpack-gif\">\n\t\t<figure>\n\t\t\t\t\t\t\t<div class=\"wp-block-jetpack-gif-wrapper\" style=\"padding-top:56%\">\n\t\t\t\t\t<iframe src=\"https:\/\/giphy.com\/embed\/iFU36VwXUd2O43gdcr\" title=\"https:\/\/media.giphy.com\/media\/iFU36VwXUd2O43gdcr\/giphy.gif\"><\/iframe>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/figure>\n\t<\/div>\n\t\n\n\n<p>Untuk membuat tuntutan, anda tidak bolehlah tergopoh-gopoh sehingga gagal memberikan maklumat yang lengkap.<\/p>\n\n\n\n<p>Sekiranya ia berlaku, permohonan anda akan ditolak oleh syarikat insurans dan ia mungkin akan melambatkan lagi proses anda untuk membuat tuntutan insurans.<\/p>\n\n\n\n<p>Jadi, pastikan anda isi dan berikan semua maklumat dengan betul dan lengkap bagi melancarkan proses tuntutan insurans anda. <\/p>\n\n\n\n<p><em>Bagi yang ingin mendapatkan insurans perubatan pada harga terbaik, kini anda juga boleh perolehnya secara online di <a href=\"https:\/\/bjak.com\/life\/en\/\">Bjak<\/a>. Pilihan insurans konvensional dan Takaful pastinya ada untuk anda membuat pilihan.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>&#8220;Saya nak buat tuntutan insurans untuk bayar kos rawatan hospital, tetapi kenapa ditolak?&#8221; Sakitnya hati kalau tiba-tiba situasi seperti di atas ini berlaku pada diri sendiri kan? Sudahlah penat menanggung kesakitan, kemudian hati pula bagai &#8216;dirobek&#8217; selepas cubaan untuk membuat tuntutan insurans ditolak. Tetapi anda perlu ingat, pihak insurans tidak akan sewenang-wenangnya boleh menolak permohonan&hellip;&nbsp;<a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cuba-claim-insurans-atau-takaful-tapi-ditolak-ini-antara-5-puncanya\" class=\"\" rel=\"bookmark\">Read More &raquo;<span class=\"screen-reader-text\">5 Sebab Permohonan &#8216;Claim&#8217; Insurans atau Takaful Anda ditolak<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":1355,"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":[350],"tags":[26,37,69,95,137,216],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>5 Sebab Permohonan &#039;Claim&#039; Insurans atau Takaful Anda ditolak | BJAK<\/title>\n<meta name=\"description\" content=\"Pihak insurans tidak akan sewenang-wenangnya boleh menolak permohonan bagi tuntutan insurans anda. 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