{"id":195,"date":"2021-08-17T14:12:03","date_gmt":"2021-08-17T06:12:03","guid":{"rendered":"https:\/\/bjakmy.wordpress.com\/?p=195"},"modified":"2025-11-05T17:23:02","modified_gmt":"2025-11-05T09:23:02","slug":"insurans-perubatan-talian-hayat-ketika-ditimpa-penyakit","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/insurans-perubatan-talian-hayat-ketika-ditimpa-penyakit","title":{"rendered":"Insurans Perubatan: Talian Hayat Anda Ketika Ditimpa Penyakit"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"3693\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/insurans-perubatan-talian-hayat-ketika-ditimpa-penyakit\/attachment\/befunky-collage-44\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/BeFunky-collage-44.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-44\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/BeFunky-collage-44.jpg?fit=300%2C150&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/BeFunky-collage-44.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-44.jpg?resize=800%2C400&#038;ssl=1\" alt=\"\" class=\"wp-image-3693\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/BeFunky-collage-44.jpg?w=800&amp;ssl=1 800w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/BeFunky-collage-44.jpg?resize=300%2C150&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/BeFunky-collage-44.jpg?resize=768%2C384&amp;ssl=1 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Dalam menjalani kehidupan seharian, kita sememangnya terdedah dengan pelbagai risiko. Antaranya adalah risiko untuk mendapat penyakit tidak kiralah sama ada kritikal, mahupun tidak.<\/p>\n\n\n\n<p>Bagaimanapun, mungkin ramai yang tidak menyedari bahawa kos rawatan bagi mengubati penyakit semakin mahal dari hari ke hari. Malah laporan juga ada menyebut bahawa inflasi terhadap<a href=\"https:\/\/www.bharian.com.my\/wanita\/sihat\/2019\/11\/630264\/fakta-sebenar-mengenai-insuranstakaful-perubatan-dan-kesihatan\"> kos perubatan di Malaysia meningkat hampir 12% setiap tahun<\/a>.<\/p>\n\n\n\n<p>Keadaan ini pastinya memberi kesan serta kebimbangan terutamanya kepada golongan berpendapatan rendah lebih-lebih lagi selepas mengambil kira kemampuan mereka untuk mendapatkan rawatan di hospital tatkala menghidapi penyakit kritikal khususnya.<\/p>\n\n\n\n<p>Namun, mungkin ada juga yang tidak terlalu mengambil pusing terhadap perkara tersebut kerana menganggap bahawa mereka boleh mendapatkan rawatan di hospital kerajaan sekiranya menghidapi penyakit suatu hari nanti.&nbsp;<\/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-69d46ff15600d\" 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-69d46ff15600d\"><\/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\/insurans-perubatan-talian-hayat-ketika-ditimpa-penyakit\/#Rawatan_di_hospital_kerajaan_TIDAK_PERCUMA\" title=\"Rawatan di hospital kerajaan TIDAK PERCUMA\">Rawatan di hospital kerajaan TIDAK PERCUMA<\/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\/insurans-perubatan-talian-hayat-ketika-ditimpa-penyakit\/#Kos_rawatan_di_hospital_kerajaan_boleh_cecah_ribuan_ringgit\" title=\"Kos rawatan di hospital kerajaan boleh cecah ribuan ringgit\">Kos rawatan di hospital kerajaan boleh cecah ribuan ringgit<\/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\/insurans-perubatan-talian-hayat-ketika-ditimpa-penyakit\/#FAKTA_Anda_sebenarnya_perlukan_Insurans_Perubatan\" title=\"FAKTA! Anda sebenarnya perlukan Insurans Perubatan\">FAKTA! Anda sebenarnya perlukan Insurans Perubatan<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/insurans-perubatan-talian-hayat-ketika-ditimpa-penyakit\/#Premium_setiap_orang_adalah_berbeza\" title=\"Premium setiap orang adalah berbeza\">Premium setiap orang adalah berbeza<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/insurans-perubatan-talian-hayat-ketika-ditimpa-penyakit\/#Beli_insurans_dari_serendah_RM150_di_Bjakcom\" title=\"Beli insurans dari serendah RM150 di Bjak.com\">Beli insurans dari serendah RM150 di Bjak.com<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Rawatan_di_hospital_kerajaan_TIDAK_PERCUMA\"><\/span>Rawatan di hospital kerajaan TIDAK PERCUMA<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Persepsi bahawa kos rawatan di hospital kerajaan akan ditanggung oleh kerajaan sepenuhnya atau harga yang lebih murah mungkin tidak lari dari \u2018menjengah\u2019 ke fikiran segelintir masyarakat.<\/p>\n\n\n\n<p>Tetapi, adakah anda pasti kerajaan akan menampung segala kos rawatan jika anda menghidapi sebarang penyakit kelak? Adakah anda yakin kos rawatan yang anda perlu bayar hanya pada sekitar puluhan atau ratusan ringgit sahaja jika mendapatkan rawatan di hospital kerajaan?&nbsp;<\/p>\n\n\n\n<p>Ya, tidak dinafikan bahawa ada sesetengah rawatan sememangnya percuma atau hampir percuma di klinik atau hospital milik kerajaan. Namun, ada juga penyakit khususnya penyakit kritikal yang memerlukan anda untuk membayar kos rawatan sehingga ribuan ringgit walaupun selepas disubsidi oleh kerajaan.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Kos_rawatan_di_hospital_kerajaan_boleh_cecah_ribuan_ringgit\"><\/span>Kos rawatan di hospital kerajaan boleh cecah ribuan ringgit<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img src=\"https:\/\/i1.wp.com\/sk-bucket.sgp1.cdn.digitaloceanspaces.com\/2020\/01\/17220450\/hello-doktor.jpg?w=1200&#038;ssl=1\" alt=\"\" data-recalc-dims=\"1\"\/><figcaption><em>Anggaran bagi kos rawatan tertentu di hospital kerajaan dan swasta<\/em><\/figcaption><\/figure>\n\n\n\n<p>Sebagai contoh, jika anda menghidapi penyakit jantung dan perlu melakukan pembedahan pintasan jantung di hospital kerajaan, anda masih perlu membayar sebahagian daripada kos tersebut iaitu kira-kira RM5,000 dan ke atas.<\/p>\n\n\n\n<p>Selain itu, jika anda perlu menjalani pembedahan tulang belakang dan memilih untuk melakukannya di hospital kerajaan, amaun sebanyak RM15,000 sehingga RM40,000 perlu dibayar oleh anda sendiri meskipun selepas disubsidi oleh kerajaan.&nbsp;<\/p>\n\n\n\n<p>Mahal bukan? Ini baru sahaja mengambil kira kos rawatan di hospital kerajaan. Jika anda mahu mendapatkan rawatan di hospital swasta, jumlahnya pasti berlipat kali ganda lebih tinggi.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"FAKTA_Anda_sebenarnya_perlukan_Insurans_Perubatan\"><\/span>FAKTA! Anda sebenarnya perlukan Insurans Perubatan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Mengambil kira segala kos rawatan yang semakin mahal pada ketika ini, di sinilah pentingnya untuk anda mendapatkan perlindungan insurans perubatan.<\/p>\n\n\n\n<p>Dengan adanya insurans perubatan, anda boleh mendapatkan rawatan di&nbsp; hospital swasta sambil kosnya ditanggung oleh pihak insurans. Dengan premium yang anda bayar, segala kos rawatan daripada kos kemasukan ke hospital sehingga ke kos pembedahan, dan seterusnya penginapan hospital&nbsp; akan dibayar oleh pihak insurans sebagai balasan ke atas premium yang telah anda bayar.<\/p>\n\n\n\n<p>Di sinilah anda boleh tahu bagaimana &#8216;pelaburan&#8217; yang telah anda bayar selama ini untuk insurans perubatan telah membantu anda ketika sakit. Kewangan anda secara automatik tidak akan terganggu. Bebanan anda berkurangan, dan mental anda juga tidak lagi perlu &#8216;sesak&#8217; untuk memikirkan sumber kewangan bagi menampung kos rawatan bagi penyakit anda. <\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Premium_setiap_orang_adalah_berbeza\"><\/span>Premium setiap orang adalah berbeza<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Tetapi, anda perlu tahu bahawa harga premium bagi setiap insurans dan individu adalah berbeza. Manfaat yang anda bakal terima juga bergantung kepada polisi yang telah anda beli. Justeru, adalah penting untuk anda teliti dan lihat dulu manfaat-manfaat yang disediakan sebelum membuat keputusan untuk membeli insurans perubatan baik untuk diri sendiri ataupun keluarga.<\/p>\n\n\n\n<p>Pastikan anda membeli pelan perlindungan insurans perubatan mengikut keperluan dan kemampuan anda. Buat dulu perbandingan pelan berserta harga antara syarikat-syarikat insurans yang ada untuk mengelakkan kerugian pada masa akan datang.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Beli_insurans_dari_serendah_RM150_di_Bjakcom\"><\/span>Beli insurans dari serendah RM150 di Bjak.com<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Pelan perlindungan lengkap semua-dalam-satu dari serendah RM150 boleh didapati apabila anda membeli insurans di Bjak.com. Selain tidak mengenakan caj ejen, anda juga boleh berpeluang untuk mendapatkan pelbagai manfaat antaranya pemeriksaan kesihatan tahunan secara percuma, penghantaran ubat-ubatan ke rumah dan pelbagai lagi.<\/p>\n\n\n\n<p>Jadi, lindung diri anda sekarang. Dapatkan perlindungan insurans perubatan terbaik untuk diri anda dan keluarga.<\/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>Dalam menjalani kehidupan seharian, kita sememangnya terdedah dengan pelbagai risiko. Antaranya adalah risiko untuk mendapat penyakit tidak kiralah sama ada kritikal, mahupun tidak. Bagaimanapun, mungkin ramai yang tidak menyedari bahawa kos rawatan bagi mengubati penyakit semakin mahal dari hari ke hari. Malah laporan juga ada menyebut bahawa inflasi terhadap kos perubatan di Malaysia meningkat hampir&hellip;&nbsp;<a href=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/insurans-perubatan-talian-hayat-ketika-ditimpa-penyakit\" class=\"\" rel=\"bookmark\">Read More &raquo;<span class=\"screen-reader-text\">Insurans Perubatan: Talian Hayat Anda Ketika Ditimpa Penyakit<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":724,"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":[26,93,137,168,205,214],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Insurans Perubatan: Talian Hayat Anda Ketika Ditimpa Penyakit | BJAK<\/title>\n<meta name=\"description\" content=\"Mengambil kira segala kos rawatan yang semakin mahal pada ketika ini, di sinilah pentingnya untuk anda mendapatkan perlindungan insurans perubatan.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/insurans-perubatan-talian-hayat-ketika-ditimpa-penyakit\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Insurans Perubatan: Talian Hayat Anda Ketika Ditimpa Penyakit | BJAK\" \/>\n<meta property=\"og:description\" content=\"Mengambil kira segala kos rawatan yang semakin mahal pada ketika ini, di sinilah pentingnya untuk anda mendapatkan perlindungan insurans perubatan.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/insurans-perubatan-talian-hayat-ketika-ditimpa-penyakit\" \/>\n<meta property=\"og:site_name\" content=\"BJAK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/bjak.my\" \/>\n<meta property=\"article:published_time\" content=\"2021-08-17T06:12:03+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-05T09:23:02+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/08\/collage-4-1.jpg?fit=800%2C450&#038;ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"450\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:site\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Athirah Hanapiah\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https:\/\/bjak.my\/blog\/#organization\",\"name\":\"Bjak\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"sameAs\":[\"https:\/\/www.facebook.com\/bjak.my\",\"https:\/\/www.instagram.com\/bjak.my\",\"https:\/\/www.linkedin.com\/company\/14607755\/admin\/\",\"https:\/\/twitter.com\/bjakmy\"],\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"contentUrl\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"width\":756,\"height\":756,\"caption\":\"Bjak\"},\"image\":{\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/bjak.my\/blog\/#website\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"name\":\"BJAK\",\"description\":\"Renew your car and motor insurance at the lowest price! 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