{"id":272,"date":"2021-08-17T14:12:08","date_gmt":"2021-08-17T06:12:08","guid":{"rendered":"https:\/\/bjakmy.wordpress.com\/?p=272"},"modified":"2025-11-03T21:17:18","modified_gmt":"2025-11-03T13:17:18","slug":"risau-nak-bayar-bil-perubatan-mahal-ikut-6-langkah-ini","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/risau-nak-bayar-bil-perubatan-mahal-ikut-6-langkah-ini","title":{"rendered":"Risau Bayar Bil Perubatan Mahal? Ikut 6 Langkah ini"},"content":{"rendered":"\n<p>&#8220;<em>Habis duit gaji aku bulan ni&#8230;.&#8221;<\/em><\/p>\n\n\n\n<p>Gaji masuk pukul 9.00 pagi, 9:05 habis. Rasanya ramai yang macam ni kot. Mana taknya, macam-macam nak kena bayar bila dah sampai hujung bulan. Bil air, eelektrik, sewa rumah, duit kereta&#8230; kalau ikut<em> list<\/em> ni baru yang <em>basic<\/em>. Rasanya ada lagi yang lain nak kena bayar kan?<\/p>\n\n\n\n<p>Tapi&#8230; lagi &#8216;sakit&#8217; kalau tiba-tiba anda pula kena masuk wad kecemasan. Tambah pula kalau terpaksa dapatkan rawatan di hospital untuk tempoh yang agak lama. <em>Confirm!<\/em> Bila tengok bil hospital, mesti selit rasa menyesal bila tak buat benda yang kita patut buat bila sihat dulu. <\/p>\n\n\n\n<p>Jadi, di bawah ini kami kongsikan beberapa langkah yang anda boleh ambil untuk memastikan anda masih boleh tarik nafas lega dengan &#8216;bil yang tidak dijangka ini&#8217;. <\/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-69d728b1ce3be\" 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-69d728b1ce3be\"><\/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\/risau-nak-bayar-bil-perubatan-mahal-ikut-6-langkah-ini\/#1_Dapatkan_insurans_%E2%80%98kaji%E2%80%99_betul-betul_insurans_anda\" title=\"#1 Dapatkan insurans, &#8216;kaji&#8217; betul-betul insurans anda\">#1 Dapatkan insurans, &#8216;kaji&#8217; betul-betul insurans 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\/risau-nak-bayar-bil-perubatan-mahal-ikut-6-langkah-ini\/#2_Tahu_tahap_%E2%80%98rangkaian%E2%80%99_syarikat_insurans_anda\" title=\"#2 Tahu tahap &#8216;rangkaian&#8217; syarikat insurans anda\">#2 Tahu tahap &#8216;rangkaian&#8217; syarikat insurans anda<\/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\/risau-nak-bayar-bil-perubatan-mahal-ikut-6-langkah-ini\/#3_Dapatkan_penjelasan\" title=\"#3 Dapatkan penjelasan\">#3 Dapatkan penjelasan<\/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\/risau-nak-bayar-bil-perubatan-mahal-ikut-6-langkah-ini\/#4_Dapatkan_pra-kebenaran\" title=\"#4 Dapatkan pra-kebenaran\">#4 Dapatkan pra-kebenaran<\/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\/risau-nak-bayar-bil-perubatan-mahal-ikut-6-langkah-ini\/#5_Bersiap_sedia_dengan_segala_kemungkinan_kecemasan\" title=\"#5 Bersiap sedia dengan segala kemungkinan\/ kecemasan\">#5 Bersiap sedia dengan segala kemungkinan\/ kecemasan<\/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\/risau-nak-bayar-bil-perubatan-mahal-ikut-6-langkah-ini\/#6_Dokumentasikan_semuanya\" title=\"#6 Dokumentasikan semuanya!\">#6 Dokumentasikan semuanya!<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"1_Dapatkan_insurans_%E2%80%98kaji%E2%80%99_betul-betul_insurans_anda\"><\/span>#1 Dapatkan insurans, &#8216;kaji&#8217; betul-betul insurans anda<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Pastikan anda ada membuat survey dan meniliti pelan anda. Bukan sign dan bayar je tau! TELITI betul-betul, baca satu per satu. Fahamkan apakah pelan dan perlindungan yang anda telah ambil. <\/p>\n\n\n\n<p>Anda  pasti ingin mengetahui perbelanjaan perubatan  yang akan dilindungi oleh penyedia insurans anda, jadi sebab itulah anda perlu tahu segalanya. Barulah mudah urusan anda nanti.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"2_Tahu_tahap_%E2%80%98rangkaian%E2%80%99_syarikat_insurans_anda\"><\/span>#2 Tahu tahap &#8216;rangkaian&#8217; syarikat insurans anda<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\/LSEWZTz9dlyg9ZXmkP\" title=\"https:\/\/media.giphy.com\/media\/LSEWZTz9dlyg9ZXmkP\/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>Syarikat insurans pada kebiasaannya mempunyai hubungan dan akan bekerjasama dengan penyedia penjagaan kesihatan, makmal, hospital dan lain-lain dalam industri yang menawarkan rangkaian perlindungan &#8211; di mana pelanggan insurans yang akan memperoleh manfaat daripada rangkaian perlindungan ini.<\/p>\n\n\n\n<p>Apakah maknanya untuk anda? Sebenarnya, jika anda memilih untuk mendapatkan rawatan selain daripada apa yang ditawarkan, anda mungkin perlu berdepan dengan dengan bebanan kewangan yang lebih besar. Ingat, syarikat insurans hanya akan membayar sehingga jumlah yang ditawarkan oleh penyedia perkhidmatan dalam rangkaian mereka, dan anda perlu membayar yang selebihnya.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"3_Dapatkan_penjelasan\"><\/span>#3 Dapatkan penjelasan<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\/FJ5PBobRdRnips5mH1\" title=\"https:\/\/media.giphy.com\/media\/FJ5PBobRdRnips5mH1\/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>Tanya, tanya, dan tanya doktor atau hospital pilihan anda sama ada prosedur yang anda perlu lakukan di hospital itu akan ditanggung oleh syarikat insurans.<\/p>\n\n\n\n<p>Ingat! Sekiranya doktor meminta anda untuk melakukan ujian air kencing atau sebarang ujian lain, tanya mereka sama ada ia akan dilindungi insurans, dan berapakah kos untuk prosedur berkenaan.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"4_Dapatkan_pra-kebenaran\"><\/span>#4 Dapatkan pra-kebenaran<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\/xTk2YWNkHvM7I4dgM8\" title=\"https:\/\/media.giphy.com\/media\/xTk2YWNkHvM7I4dgM8\/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>Elakkan bil melambung. Dapatkan pra-kebenaran sebelum menjalani sebarang pembedahan dan cadangkan pengesahan bertulis daripada doktor bagi memastikan anda mendapat perlindungan insurans. <\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"5_Bersiap_sedia_dengan_segala_kemungkinan_kecemasan\"><\/span><strong>#5<\/strong> Bersiap sedia dengan segala kemungkinan\/ kecemasan<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\/3o752hwzWrBg3wgtsA\" title=\"https:\/\/media.giphy.com\/media\/3o752hwzWrBg3wgtsA\/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>Sememangnya, tiada sesiapa yang inginkan perkara di luar jangkaan berlaku pada diri kita. Namun, sekiranya berlaku sesuatu kecemasan, anda tidak akan mempunyai masa untuk log masuk ke laman web syarikat insurans dan mencari hospital manakah yang dilindungi syarikat insurans anda.<\/p>\n\n\n\n<p>Sila ambil tahu tentang hospital terdekat yang manakah ada menawarkan perlindungan insurans buat diri anda, dan jika perlu, tahu juga perkhidmatan ambulans yang dilindungi syarikat insurans anda. Ingat, kos perkhidmatan ambulans juga agak mahal, jadi lebih baik anda bersiap sedia.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"6_Dokumentasikan_semuanya\"><\/span>#6 Dokumentasikan semuanya!<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:55%\">\n\t\t\t\t\t<iframe src=\"https:\/\/giphy.com\/embed\/xT4uQwLt2AyurOGWFW\" title=\"https:\/\/media.giphy.com\/media\/xT4uQwLt2AyurOGWFW\/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>Telefon penanggung insurans dan doktor anda bagi mendapatkan penjelasan mengenai pelan perlindungan insurans adalah bagus, tetapi mengapa anda tidak mengambil langkah awal dengan mendapatkan semuanya secara bertulis. Ini bukan sahaja dapat mengurangkan kekusutan anda apabila berlaku pertelingkahan mengenai perlindungan insurans yang anda cuba dapatkan, malah anda juga boleh gunakan ia untuk membantah sebarang perkara yang dirasakan tidak sesuai dan betul nanti.<\/p>\n\n\n\n<p>Dapatkan perlindungan insurans terbaik hanya di  <em><a href=\"https:\/\/bjak.com\/life\/en\/?fbclid=IwAR2QJKxtEnqnydOyi9j03FTJxB2FedTXt3hYpppPsD9RuZcMblhG5SHFCks\">bjak.com\/life\/<\/a><\/em>. Berhubung dengan <em>ejen kami untuk tahu lebih lanjut mengenai pelan yang disediakan.<\/em><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>&#8220;Habis duit gaji aku bulan ni&#8230;.&#8221; Gaji masuk pukul 9.00 pagi, 9:05 habis. Rasanya ramai yang macam ni kot. Mana taknya, macam-macam nak kena bayar bila dah sampai hujung bulan. Bil air, eelektrik, sewa rumah, duit kereta&#8230; kalau ikut list ni baru yang basic. Rasanya ada lagi yang lain nak kena bayar kan? Tapi&#8230; lagi&hellip;&nbsp;<a href=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/risau-nak-bayar-bil-perubatan-mahal-ikut-6-langkah-ini\" class=\"\" rel=\"bookmark\">Read More &raquo;<span class=\"screen-reader-text\">Risau Bayar Bil Perubatan Mahal? Ikut 6 Langkah ini<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":716,"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":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Risau Bayar Bil Perubatan Mahal? 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