Insurans......Penting ke ????

First of all aku nk citer skit...aku bukan agen insurans.... sbbnya aku dulu mmg tk caya psl insurans2 ni sgt.... but tak tau napa ... masa laki aku ambikkan insurans utk anak tiri aku
aku pun dengki...nk gak ambikkan utk si kembar......

FYI, sebenarnya purpose kami ambik insurans.... initially utk cover anak tiri aku nyer medical benefit...in case kalau dia kena masuk hospital...atleast dia ada di cover oleh insurans....
taklah kalau masuk hospital ...( hospital private) kena keluar byk
sebenarnya mak dia tk mo g hospital gomen....
nway...cam kes aku ngan anak2 aku....Bank Rimau mmg dah cover medical benefit
so aku rasa purpose tu tk meet sgtla kan.... mesti kowang tertanya2..apsal lak aku ambik insurans gak utk si kembar tu??? emmm...meh aku story skit.....

Insurans yg aku ambik tu just RM70 jek sebulan sowang...
Maturity dia 18thn ... so kalau simpan smpi 18 thn dia jd simpanan...
on the top of it dia bagi medical benefit gak...kalau company tak cover hospitalisation
(private hospital)...insurans akan cover.....
pastu..kalau dah cover...( mcm kes aku Maybank yg bayar)...dia bg elaun hospitalisation
RM400 sehari..... percaya tk?????

Mcm kes aku...dua2 kembar tu mmg aku dah belikan....
so Jass dok hospital 6 hari =RM400x 6
Jaff dok hospital 4 hari =RM400x4
Jay jek aku tk sempat belikan insurans.... tk dpt apa2...( padahal dia yg paling lama dok hospital)

so...at least...ada la gak cover duit premium...
pastu expenses yg u all spend kat hospital...( foods, transportation, leave, etc...at least cover)
so berbaloi tk insurans ni??? kita sama2 pikirkan....
aku pun dah mintak quotation insurans utk Jay...
sbbnya ...kalau tk pun.... aku tk menyimpan....
so skrg atleast adalah simpanan utk anak2 aku