{"id":493,"date":"2021-08-17T15:16:32","date_gmt":"2021-08-17T07:16:32","guid":{"rendered":"https:\/\/bjakmy.wordpress.com\/?p=493"},"modified":"2025-11-05T17:18:08","modified_gmt":"2025-11-05T09:18:08","slug":"insurans-perubatan-vs-insurans-penyakit-kritikal-macam-sama-tapi","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/insurans-perubatan-vs-insurans-penyakit-kritikal-macam-sama-tapi","title":{"rendered":"Insurans Perubatan VS Insurans Penyakit Kritikal &#8211; Nampak Sama Tapi&#8230;"},"content":{"rendered":"\n<p><em>&#8220;Insurans perubatan lain ke dengan insurans penyakit kritikal? Saya ingat sama?&#8221;<\/em><\/p>\n\n\n\n<p>Mesti ada sesetengah daripada kita yang keliru dan menganggap kedua-dua insurans ini  adalah sejenis insurans yang sama dan mempunyai fungsi yang serupa.<\/p>\n\n\n\n<p>Namun tahukah anda sebenarnya, insurans perubatan dan insurans penyakit kritikal adalah berbeza dan bakal membantu pemegang polisi dengan cara yang berbeza.<\/p>\n\n\n\n<p>Nak tahu apakah bezanya? Teruskan membaca artikel ini.<\/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-69d46e6a72280\" 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-69d46e6a72280\"><\/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-vs-insurans-penyakit-kritikal-macam-sama-tapi\/#Beza_insurans_perubatan_insurans_penyakit_kritikal_1\" title=\"#Beza insurans perubatan &amp; insurans penyakit kritikal 1\">#Beza insurans perubatan &amp; insurans penyakit kritikal 1<\/a><ul class='ez-toc-list-level-5'><li class='ez-toc-heading-level-5'><ul class='ez-toc-list-level-5'><li class='ez-toc-heading-level-5'><ul class='ez-toc-list-level-5'><li class='ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/insurans-perubatan-vs-insurans-penyakit-kritikal-macam-sama-tapi\/#Fungsi_tugas_kedua-dua_insurans\" title=\" Fungsi\/ tugas kedua-dua insurans \"> Fungsi\/ tugas kedua-dua insurans <\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/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-vs-insurans-penyakit-kritikal-macam-sama-tapi\/#Beza_insurans_perubatan_insurans_penyakit_kritikal_ke-2\" title=\"#Beza insurans perubatan &amp; insurans penyakit kritikal ke-2\">#Beza insurans perubatan &amp; insurans penyakit kritikal ke-2<\/a><ul class='ez-toc-list-level-5'><li class='ez-toc-heading-level-5'><ul class='ez-toc-list-level-5'><li class='ez-toc-heading-level-5'><ul class='ez-toc-list-level-5'><li class='ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/insurans-perubatan-vs-insurans-penyakit-kritikal-macam-sama-tapi\/#Cara_anda_boleh_%E2%80%98belanjakan%E2%80%99_wang_insurans_tersebut\" title=\"Cara anda boleh &#8216;belanjakan&#8217; wang insurans tersebut\">Cara anda boleh &#8216;belanjakan&#8217; wang insurans tersebut<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/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\/insurans-perubatan-vs-insurans-penyakit-kritikal-macam-sama-tapi\/#Beza_insurans_perubatan_insurans_penyakit_kritikal_ke-3\" title=\"#Beza insurans perubatan &amp; insurans penyakit kritikal ke-3\">#Beza insurans perubatan &amp; insurans penyakit kritikal ke-3<\/a><ul class='ez-toc-list-level-5'><li class='ez-toc-heading-level-5'><ul class='ez-toc-list-level-5'><li class='ez-toc-heading-level-5'><ul class='ez-toc-list-level-5'><li class='ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/insurans-perubatan-vs-insurans-penyakit-kritikal-macam-sama-tapi\/#Penerima_manfaat\" title=\" Penerima manfaat\"> Penerima manfaat<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/insurans-perubatan-vs-insurans-penyakit-kritikal-macam-sama-tapi\/#Beza_insurans_perubatan_insurans_penyakit_kritikal_ke-4\" title=\" #Beza insurans perubatan &amp; insurans penyakit kritikal ke-4 \"> #Beza insurans perubatan &amp; insurans penyakit kritikal ke-4 <\/a><ul class='ez-toc-list-level-5'><li class='ez-toc-heading-level-5'><ul class='ez-toc-list-level-5'><li class='ez-toc-heading-level-5'><ul class='ez-toc-list-level-5'><li class='ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/insurans-perubatan-vs-insurans-penyakit-kritikal-macam-sama-tapi\/#Tempoh_perlindungan\" title=\" Tempoh perlindungan\"> Tempoh perlindungan<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Beza_insurans_perubatan_insurans_penyakit_kritikal_1\"><\/span><em>#<\/em>Beza insurans perubatan &amp; insurans penyakit kritikal 1<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h5><span class=\"ez-toc-section\" id=\"Fungsi_tugas_kedua-dua_insurans\"><\/span> <em>Fungsi\/ tugas kedua-dua insurans <\/em><span class=\"ez-toc-section-end\"><\/span><\/h5>\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\/pJdBjnc1KF4dKmPZJw\" title=\"https:\/\/media.giphy.com\/media\/pJdBjnc1KF4dKmPZJw\/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>S: Anda sakit dan perlu ditahan di wad hospital selama beberapa hari untuk mendapatkan rawatan. Insurans manakah yang akan membantu membayar bil rawatan hospital anda?<\/p>\n\n\n\n<p><strong>Jawapan: Insurans Perubatan<\/strong><\/p>\n\n\n\n<p>S: Anda alami penyakit buah pinggang. Akibat daripada penyakit itu, anda perlu menjalani pembedahan sehingga pada akhirnya anda lumpuh dan tidak boleh bekerja. Apakah insurans yang boleh membantu anda untuk meneruskan kehidupan selepas itu?<\/p>\n\n\n\n<p><strong>Jawapan: Insurans Penyakit Kritikal<\/strong><\/p>\n\n\n\n<p>Bagi memudahkan anda untuk memahami kedua-dua situasi ini, sila rujuk jadual ringkas di bawah:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><\/td><td><strong>Insurans Perubatan<\/strong> <strong>biasa<\/strong><\/td><td><strong>Insurans Penyakit Kritikal<\/strong><\/td><\/tr><tr><td><strong>Tugas\/ Fungsi<\/strong><\/td><td>Membantu membayar kos rawatan dan ubat-ubatan hospital<\/td><td>Pemegang polisi akan dibayar sejumlah wang secara sekaligus (<em>lump sum<\/em>) apabila didiagnosis dengan penyakit ktirikal yang termaktub dalam polisi insurans, mengalami kehilangan upaya kekal atau kematian<\/td><\/tr><\/tbody><\/table><figcaption>Perbezaan tugas insurans perubatan dengan insurans penyakit kritikal<\/figcaption><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Beza_insurans_perubatan_insurans_penyakit_kritikal_ke-2\"><\/span>#Beza insurans perubatan &amp; insurans penyakit kritikal ke-2<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h5><span class=\"ez-toc-section\" id=\"Cara_anda_boleh_%E2%80%98belanjakan%E2%80%99_wang_insurans_tersebut\"><\/span><em>Cara anda boleh &#8216;belanjakan&#8217; wang insurans tersebut<\/em><span class=\"ez-toc-section-end\"><\/span><\/h5>\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:76%\">\n\t\t\t\t\t<iframe src=\"https:\/\/giphy.com\/embed\/l2Je4q39EujvAGQi4\" title=\"https:\/\/media.giphy.com\/media\/l2Je4q39EujvAGQi4\/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>Insurans perubatan hanya membolehkan anda untuk menggunakan hasil tuntutan insurans bagi membayar segala kos rawatan dan ubat-ubatan hospital.<\/p>\n\n\n\n<p>Manakala bagi insurans penyakit kritikal pula, selepas anda dibayar secara <em>lump sum <\/em>oleh syarikat insurans, anda boleh menggunakan wang pampasan itu untuk apa sahaja dan tidak terhad kepada perubatan. Namun, anda semestinya diingatkan untuk bijak dalam membelanjakan wang tersebut selepas mengambil kira situasi dan keadaan semasa anda.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Beza_insurans_perubatan_insurans_penyakit_kritikal_ke-3\"><\/span>#Beza insurans perubatan &amp; insurans penyakit kritikal ke-3<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h5><span class=\"ez-toc-section\" id=\"Penerima_manfaat\"><\/span><em> Penerima manfaat<\/em><span class=\"ez-toc-section-end\"><\/span><\/h5>\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:61%\">\n\t\t\t\t\t<iframe src=\"https:\/\/giphy.com\/embed\/dWmMkCDV5F51H8K0N6\" title=\"https:\/\/media.giphy.com\/media\/dWmMkCDV5F51H8K0N6\/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>Bagi insurans perubatan, syarikat insurans hanya akan membantu membayar kos rawatan anda sahaja sekiranya anda tidak membeli perlindungan untuk keluarga ketika menandatangani polisi. <\/p>\n\n\n\n<p>Namun,  sekiranya perlindungan yang anda pilih ada memberi perlindungan untuk keluarga, maka syarikat insurans juga akan membayar kos rawatan hospital untuk keluarga anda.<\/p>\n\n\n\n<p>Berbeza untuk insurans penyakit kritikal, penerima manfaatnya adalah lebih luas di mana anda sebagai pencarum dan tanggungan anda akan menerima manfaat hasil wang pampasan. Ia bergantung kepada cara anda menguruskan wang tersebut.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Beza_insurans_perubatan_insurans_penyakit_kritikal_ke-4\"><\/span> #Beza insurans perubatan &amp; insurans penyakit kritikal ke-4 <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h5><span class=\"ez-toc-section\" id=\"Tempoh_perlindungan\"><\/span> <em>Tempoh perlindungan<\/em><span class=\"ez-toc-section-end\"><\/span><\/h5>\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\/6Kq8wnblFPCIE\" title=\"https:\/\/media.giphy.com\/media\/6Kq8wnblFPCIE\/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 pengetahuan anda, tempoh perlindungan untuk kedua-dua insurans ini juga adalah berbeza. Sila lihat jadual di bawah untuk memudahkan pemahaman anda:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><\/td><td><strong>Insurans Perubatan<\/strong><\/td><td><strong>Insurans Penyakit Kritikal<\/strong><\/td><\/tr><tr><td><strong>Tempoh perlindungan<\/strong><\/td><td>Sehingga umur 80 tahun dan ke atas (mengikut polisi)<\/td><td>Sehingga umur 80 tahun dan ke atas (mengikut polisi) atau berlakunya kematian<\/td><\/tr><\/tbody><\/table><figcaption>Tempoh perlindungan bagi insurans perubatan biasa dengan insurans penyakit kritikal <\/figcaption><\/figure>\n\n\n\n<p>Secara keseluruhannya, kedua-dua insurans ini memainkan peranan yang penting. Anda perlu memahami fungsi insurans anda dan dapatkan pelan terbaik buat diri sendiri.<\/p>\n\n\n\n<p>Kini, anda boleh dapatkan juga pelan lengkap semua-dalam-satu secara online di<a href=\"https:\/\/bjak.com\/life\/en\/\"> Bjak<\/a>. Berhubung dengan ejen tanpa komisen kami dan carilah pelan terbaik untuk diri dan keluarga anda.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>&#8220;Insurans perubatan lain ke dengan insurans penyakit kritikal? Saya ingat sama?&#8221; Mesti ada sesetengah daripada kita yang keliru dan menganggap kedua-dua insurans ini adalah sejenis insurans yang sama dan mempunyai fungsi yang serupa. Namun tahukah anda sebenarnya, insurans perubatan dan insurans penyakit kritikal adalah berbeza dan bakal membantu pemegang polisi dengan cara yang berbeza. Nak&hellip;&nbsp;<a href=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/insurans-perubatan-vs-insurans-penyakit-kritikal-macam-sama-tapi\" class=\"\" rel=\"bookmark\">Read More &raquo;<span class=\"screen-reader-text\">Insurans Perubatan VS Insurans Penyakit Kritikal &#8211; Nampak Sama Tapi&#8230;<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":1709,"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":[26,93,117,164,166,168],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Insurans Perubatan VS Insurans Penyakit Kritikal - Nampak Sama Tapi... | BJAK<\/title>\n<meta name=\"description\" content=\"Jangan keliru! 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