{"id":918,"date":"2021-09-10T16:06:30","date_gmt":"2021-09-10T08:06:30","guid":{"rendered":"https:\/\/bjakmy.wordpress.com\/?p=918"},"modified":"2025-11-05T17:14:59","modified_gmt":"2025-11-05T09:14:59","slug":"nak-claim-insurans-perubatan-ikut-4-langkah-mudah-ini","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/nak-claim-insurans-perubatan-ikut-4-langkah-mudah-ini","title":{"rendered":"Nak &#8216;Claim&#8217; Insurans Perubatan? Ikut 4 Langkah Mudah Ini"},"content":{"rendered":"\n<p>Adakah anda pernah dengar rakan, mak cik atau pak cik anda mengadu mengenai kepayahan mereka membuat tuntutan insurans untuk bil perubatan?<\/p>\n\n\n\n<p>Sekiranya anda terkesan dengan kisah mereka, kemungkinan besar, anda juga berkongsi sentimen yang sama.<\/p>\n\n\n\n<p>Namun jangan risau. Proses untuk membuat tuntutan insurans sebenarnya mudah. Hanya empat langkah sahaja yang perlu dilakukan. <\/p>\n\n\n\n<p>&#8220;<strong><em>Kejap&#8230;. pembayaran balik? Saya dah ada insurans perubatan. Kenapa saya kena bayar dulu bil perubatan saya?&#8221;<\/em><\/strong><\/p>\n\n\n\n<p>Biar kami jelaskan kepada anda. Secara dasarnya, insurans perubatan terdiri daripada &#8220;Polisi tanpa tunai&#8221; dan &#8220;Polisi pembayaran balik&#8221;.<\/p>\n\n\n\n<p>Bagi <a href=\"https:\/\/ringgitplus.com\/en\/blog\/insurance\/how-do-you-make-a-medical-insurance-claim.html\">polisi tanpa tunai<\/a>, ya, anda memang tidak perlu membayar perbelanjaan\/ bil perubatan dari poket anda sendiri. Dengan polisi tanpa tunai, anda hanya perlu menunjukkan kad perubatan kepada panel hospital berkenaan. Namun sekiranya anda tidak mempunyai kad perubatan, anda hanya perlu menghubungi syarikat insurans anda dan meminta mereka untuk mengeluarkan Surat Jaminan kepada hospital.<\/p>\n\n\n\n<p>Sementara itu bagi <a href=\"https:\/\/ringgitplus.com\/en\/blog\/insurance\/how-do-you-make-a-medical-insurance-claim.html\">polisi pembayaran balik<\/a> pula, anda perlu membayar dahulu perbelanjaan perubatan anda menggunakan wang sendiri dan kemudian membuat tuntutan untuk pembayaran semula.<\/p>\n\n\n\n<p>Jelas kan?<\/p>\n\n\n\n<p>Jadi, ayuh kita ketahui <a href=\"https:\/\/www.imoney.my\/articles\/medical-insurance-claim-guide\/amp\">4 langkah<\/a> yang anda perlu &#8216;lalui&#8217; bagi mendapatkan pembayaran semula wang daripada syarikat insurans.<\/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-69d759cf2fe3d\" 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-69d759cf2fe3d\"><\/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\/nak-claim-insurans-perubatan-ikut-4-langkah-mudah-ini\/#1_Sediakan_dokumen_yang_diperlukan_oleh_syarikat_insurans\" title=\"1. Sediakan dokumen yang diperlukan oleh syarikat insurans\">1. Sediakan dokumen yang diperlukan oleh syarikat insurans<\/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\/nak-claim-insurans-perubatan-ikut-4-langkah-mudah-ini\/#2_Isi_borang_tuntuan_anda\" title=\"2.  Isi borang tuntuan anda \">2.  Isi borang tuntuan 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\/nak-claim-insurans-perubatan-ikut-4-langkah-mudah-ini\/#3_Semak_dan_buat_salinan_borang_tuntutan_anda\" title=\"3. Semak dan buat salinan borang tuntutan anda\">3. Semak dan buat salinan borang tuntutan anda<\/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\/nak-claim-insurans-perubatan-ikut-4-langkah-mudah-ini\/#4_Hantar_tuntutan_anda\" title=\"4. Hantar tuntutan anda\">4. Hantar tuntutan anda<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"1_Sediakan_dokumen_yang_diperlukan_oleh_syarikat_insurans\"><\/span>1. Sediakan dokumen yang diperlukan oleh syarikat insurans<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\/static.wixstatic.com\/media\/b1270a_8a4a9f75efc74bd58c000d85f9df9514~mv2.gif?resize=211%2C211&#038;ssl=1\" alt=\"\" width=\"211\" height=\"211\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Kebiasaannya, di bawah ini adalah senarai dokumen yang diperlukan:<\/p>\n\n\n\n<ol><li>Salinan kad pengenalan\/ passport<\/li><li>Resit hospital (original) dan invois<\/li><li>Bil hospital terperinci<\/li><li>Laporan diagnostik (contoh: ujian darah dan X-ray)<\/li><li>Untuk rawatan luar dari Malaysia, sertakan juga salinan passport, pas masuk, maklumat tiket penerbangan, dan bil hospital terperinci (original)<\/li><\/ol>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"2_Isi_borang_tuntuan_anda\"><\/span>2.  <span style=\"font-size:1em;font-family:var(--font-base, Roboto, -apple-system, BlinkMacSystemFont, &quot;Segoe UI&quot;, &quot;Roboto&quot;, &quot;Oxygen&quot;, &quot;Ubuntu&quot;, &quot;Cantarell&quot;, &quot;Fira Sans&quot;, &quot;Droid Sans&quot;, &quot;Helvetica Neue&quot;, sans-serif);\">Isi borang tuntuan anda<\/span> <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img src=\"https:\/\/i2.wp.com\/gifimage.net\/wp-content\/uploads\/2017\/07\/download-gif-13.gif?w=1200&#038;ssl=1\" alt=\"\" data-recalc-dims=\"1\"\/><\/figure>\n\n\n\n<p>Muat turut borang tuntutan melalui laman web syarikat insurans anda dan isi!<\/p>\n\n\n\n<p>Namun sekiranya anda tidak menjumpai borang tuntutan secara atas talian, hubungi sahaja syarikat insurans anda supaya mereka dapat memberikan anda borang tersebut.  Anda perlu tahu bahawa sesetengah polisi memerlukan doktor anda untuk memberikan Penyata  Pemeriksa Perubatan, yang mana secara asasnya ia adalah laporan perubatan mengenai diagnosis dan rawatan anda. Tidak pasti sama anda syarikat insurans anda memerlukannya? Jangan segan, hubungi sahaja mereka. Ia adalah tugas mereka untuk membantu anda!<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"3_Semak_dan_buat_salinan_borang_tuntutan_anda\"><\/span>3. Semak dan buat salinan borang tuntutan 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\/lottiefolder.com\/wp-content\/uploads\/2021\/03\/business-lottie-icon-strategy-planning.gif?w=1200&#038;ssl=1\" alt=\"\" data-recalc-dims=\"1\"\/><\/figure>\n\n\n\n<p>Periksa semula borang tuntutan anda dan semua dokumen yang diperlukan. Sambil itu, anda buatlah juga salinan fizikal atau digital bagi setiap borang atau dokumen sebelum menghantar tuntutan anda. Anda mungkin perlukannya sekiranya berlaku sebarang masalah dengan tuntutan anda kelak. Jadi tidak salah untuk bersiap sedia!<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"4_Hantar_tuntutan_anda\"><\/span>4. Hantar tuntutan anda<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img src=\"https:\/\/i2.wp.com\/media4.giphy.com\/media\/3ohryiYkE0DVwdLAys\/200.gif?w=1200&#038;ssl=1\" alt=\"\" data-recalc-dims=\"1\"\/><\/figure>\n\n\n\n<p>Anda boleh menghantar tuntutan anda sama ada secara terus ke syarikat insurans ataupun melalui ejen anda. Sesetengah syarikat insurans membenarkan anda untuk menghantar tuntutan secara atas talian, jadi sila semak dengan syarikat insurans anda!<\/p>\n\n\n\n<p>Selepas itu, anda hanya perlu<em> relax,<\/em> dan tunggu wang anda untuk dikembalikan semula.<\/p>\n\n\n\n<p>Mudah sahaja kan?<\/p>\n\n\n\n<p>Sekiranya anda terdapat sebarang persoalan atau bantuan mengenai insurans, hubungi sahaja<a href=\"https:\/\/bjak.com\/life\/en\/\"> Bjak<\/a> dan bercakap dengan ejen kami!<\/p>\n\n\n\n<p>Rujukan:<\/p>\n\n\n\n<p><a href=\"https:\/\/ringgitplus.com\/en\/blog\/insurance\/how-do-you-make-a-medical-insurance-claim.html\">Sumber 1<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.imoney.my\/articles\/medical-insurance-claim-guide\/amp\">Sumber 2<\/a><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Adakah anda pernah dengar rakan, mak cik atau pak cik anda mengadu mengenai kepayahan mereka membuat tuntutan insurans untuk bil perubatan? Sekiranya anda terkesan dengan kisah mereka, kemungkinan besar, anda juga berkongsi sentimen yang sama. Namun jangan risau. Proses untuk membuat tuntutan insurans sebenarnya mudah. Hanya empat langkah sahaja yang perlu dilakukan. &#8220;Kejap&#8230;. pembayaran balik?&hellip;&nbsp;<a href=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/nak-claim-insurans-perubatan-ikut-4-langkah-mudah-ini\" class=\"\" rel=\"bookmark\">Read More &raquo;<span class=\"screen-reader-text\">Nak &#8216;Claim&#8217; Insurans Perubatan? Ikut 4 Langkah Mudah Ini<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":940,"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":[31,37,93,137,167,214],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Nak &#039;Claim&#039; Insurans Perubatan? 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