{"id":944,"date":"2021-09-10T16:06:18","date_gmt":"2021-09-10T08:06:18","guid":{"rendered":"https:\/\/bjakmy.wordpress.com\/?p=944"},"modified":"2025-11-05T17:15:01","modified_gmt":"2025-11-05T09:15:01","slug":"nak-guna-kad-perubatan-cek-dulu-4-perkara-ini","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/nak-guna-kad-perubatan-cek-dulu-4-perkara-ini","title":{"rendered":"Nak Guna Kad Perubatan? Cek Dulu 4 Perkara Ini"},"content":{"rendered":"\n<p>Tujuan utama anda membeli insurans perubatan adalah supaya anda tidak perlu risaukan lagi mengenai kos rawatan sekiranya dimasukkan ke hospital suatu hari nanti.<\/p>\n\n\n\n<p>Namun, anda perlu tahu bahawa terdapat beberapa perkara penting yang perlu disemak terlebih dahulu bagi memastikan proses untuk membuat tuntutan bagi kad perubatan anda berjalan dengan baik dan lancar.<\/p>\n\n\n\n<p>Nak tahu apakah ia? 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-69d759d02c207\" 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-69d759d02c207\"><\/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-guna-kad-perubatan-cek-dulu-4-perkara-ini\/#1_Semak_tempoh_menunggu_waiting_period_bagi_kad_perubatan_anda\" title=\"#1 Semak tempoh menunggu (waiting period) bagi kad perubatan anda\">#1 Semak tempoh menunggu (waiting period) bagi kad perubatan 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\/nak-guna-kad-perubatan-cek-dulu-4-perkara-ini\/#2_Pastikan_polisi_anda_aktif\" title=\"#2 Pastikan polisi anda aktif\">#2 Pastikan polisi anda aktif<\/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-guna-kad-perubatan-cek-dulu-4-perkara-ini\/#3_Tahu_hospital_panel\" title=\"#3 Tahu hospital panel\">#3 Tahu hospital panel<\/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-guna-kad-perubatan-cek-dulu-4-perkara-ini\/#4_Kenal_pasti_jumlah_limit_tahunan_kad_perubatan_anda\" title=\"#4 Kenal pasti jumlah limit tahunan kad perubatan anda\">#4 Kenal pasti jumlah limit tahunan kad perubatan anda<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/nak-guna-kad-perubatan-cek-dulu-4-perkara-ini\/#Selesai_semak_Gunalah_tanpa_ragu-ragu\" title=\"Selesai semak? Gunalah tanpa ragu-ragu\">Selesai semak? Gunalah tanpa ragu-ragu<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"1_Semak_tempoh_menunggu_waiting_period_bagi_kad_perubatan_anda\"><\/span>#1 Semak tempoh menunggu (waiting period) bagi kad perubatan anda<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:\/\/i1.wp.com\/www.hdfcsales.com\/blog\/wp-content\/uploads\/2020\/04\/decoding-the-concept-of-waiting-period-for-health-insurance.jpg?resize=392%2C235&#038;ssl=1\" alt=\"\" width=\"392\" height=\"235\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Bergantung kepada polisi, namun kebanyakan syarikat insurans dan takaful di Malaysia akan mengenakan tempoh menunggu selama 120 hari bagi penyakit tertentu seperti penyakit darah tinggi, kencing manis, cyst, kanser dan banyak lagi. (Tempoh menunggu ini khusus bagi individu yang baru membeli kad perubatan).<\/p>\n\n\n\n<p>Ini bermakna dalam tempoh 120 hari tersebut (dari tarikh polisi diaktifkan), anda tidak boleh menggunakan kad perubatan anda sekiranya dimasukkan ke hospital.<\/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<p>Bagaimanapun sekiranya anda terlibat dalam kemalangan, tempoh menunggu ini tidak akan dikenakan dan anda boleh menggunakan kad perubatan anda untuk membayar bil rawatan hospital.<\/p>\n\n\n\n<p>Jadi sebelum ingin menggunakan kad perubatan, pastikan anda semak tarikh kad perubatan anda diaktifkan.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"2_Pastikan_polisi_anda_aktif\"><\/span>#2 Pastikan polisi anda aktif<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:\/\/i1.wp.com\/www.investopedia.com\/thmb\/F_slceak_1jjupJQSS6Z1-VJVgQ=\/1333x1000\/smart\/filters:no_upscale()\/GettyImages-1141164585-5486d44770c94a2784185a75be37a6fa.jpg?resize=385%2C289&#038;ssl=1\" alt=\"\" width=\"385\" height=\"289\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Anda perlu pastikan bahawa premium insurans anda dibayar pada setiap bulan agar kad perubatan sentiasa aktif dan boleh digunakan,  seterusnya mengelak daripada berlakunya <em>lapse<\/em>.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"3_Tahu_hospital_panel\"><\/span>#3 Tahu hospital panel<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\/policystreet-blog.s3.amazonaws.com\/wp-content\/uploads\/2018\/10\/Best-Medical-Insurance-In-Malaysia-As-Panels-Hospitals-Are-Everywhere.jpg?w=1200&#038;ssl=1\" alt=\"\" data-recalc-dims=\"1\"\/><\/figure>\n\n\n\n<p>Sesetengah syarikat insurans dan takaful mungkin mempunyai panel hospital mereka sendiri. Jadi, penting untuk anda menyemak dan tahu hospital panel syarikat insurans anda. <\/p>\n\n\n\n<p>Jika anda tersalah hospital, ia akan mungkin menyukarkan anda untuk menggunakan kad perubatan, malah lebih malang anda mungkin perlu membayar bil hospital menggunakan wang anda sendiri.<\/p>\n\n\n\n<p>Jadi sementara sihat ini, buatlah semakan untuk mengetahui hospital panel bagi insurans anda!<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"4_Kenal_pasti_jumlah_limit_tahunan_kad_perubatan_anda\"><\/span>#4 Kenal pasti jumlah limit tahunan kad perubatan anda<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:\/\/i1.wp.com\/ezytakaful.com\/wp-content\/uploads\/2019\/11\/ezytakaful-300x250-layout2151-1esk798.jpg?resize=374%2C312&#038;ssl=1\" alt=\"\" width=\"374\" height=\"312\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Setiap pencarum mempunyai jumlah limit tahunan yang berbeza untuk kad perubatan mereka. Sebelum menggunakan kad anda, lihat semula polisi dan semak jumlah perlindungan berserta limit tahunan yang diberikan.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Selesai_semak_Gunalah_tanpa_ragu-ragu\"><\/span>Selesai semak? Gunalah tanpa ragu-ragu<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Selepas anda meneliti keempat-empat perkara ini, anda mungkin tidak perlu risau lagi sekiranya secara tiba-tiba perlu menggunakan kad perubatan anda. Sebaiknya, buatlah semakan mengenai 4 perkara ini sebelum anda betul-betul perlu dimasukkan ke hospital.  <\/p>\n\n\n\n<p>Tak salah untuk anda tahu, faham, dan bersedia dari sekarang. Semuanya untuk kesenangan anda. Ingat, jangan tahu beli je kad perubatan, tapi tidak tahu bagaimana cara untuk menggunakannya. Rugi nanti!<\/p>\n\n\n\n<p>Bagi yang ingin mendapatkan insurans perubatan dan nyawa untuk yang tersayang dan diri sendiri, anda juga boleh dapatkannnya di <a href=\"https:\/\/bjak.com\/life\/en\/\">Bjak<\/a>. Pilihan insurans konvensional dan Takaful disediakan untuk anda.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Tujuan utama anda membeli insurans perubatan adalah supaya anda tidak perlu risaukan lagi mengenai kos rawatan sekiranya dimasukkan ke hospital suatu hari nanti. Namun, anda perlu tahu bahawa terdapat beberapa perkara penting yang perlu disemak terlebih dahulu bagi memastikan proses untuk membuat tuntutan bagi kad perubatan anda berjalan dengan baik dan lancar. Nak tahu apakah&hellip;&nbsp;<a href=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/nak-guna-kad-perubatan-cek-dulu-4-perkara-ini\" class=\"\" rel=\"bookmark\">Read More &raquo;<span class=\"screen-reader-text\">Nak Guna Kad Perubatan? Cek Dulu 4 Perkara Ini<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":972,"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":[26,37,93,104,191,216],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Nak Guna Kad Perubatan? 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