KAD PERUBATAN

Medical Card Satu Pembaziran Untuk Pekerja?


“Saya seorang pekerja, kenapa saya perlukan Medical Card sedangkan majikan saya menanggung kos perubatan dan rawatan di Hospital? Kenapa saya perlu bazirkan wang saya untuk invest dalam medical card dari sekarang? Saya akan ambil medical card apabila saya dah pencen nanti”

Ok, itulah biasanya persoalan yang diungkapkan oleh seorang pekerja yang telah diberi kemudahan oleh Majikan mereka untuk rawatan perubatan hospital. Namun begitu, saya ingin ajukan soalan ini untuk pekerja-pekerja yang berpandangan mereka tidak perlukan medical card kerana benefits yang sama telah diberikan oleh majikan:

Adakah Majikan akan menanggung kos rawatan perubatan sehingga anda meninggal dunia?
Adakah anda pasti tidak akan bertukar kerja atau berhijrah ke Syarikat lain yang mungkin tidak akan menyediakan benefits yang sama?
Adakah anda yakin Syarikat akan terus mengekalkan polisi faedah yang sama, atau syarikat mungkin akan mengurangkan in-kind benefits semasa cost-cutting operating cost?
Bagaimana sekiranya anda terpaksa di medical board out semasa bekerja, adakah syarikat akan menanggung kos perubatan selepas anda ditamatkan perkhidmatan?
Adakah anda yakin akan kekal sihat selepas umur persaraan nanti bagi melayakkan anda mengambil medical card?

Ini adalah antara persoalan yang perlu dijawab secara jujur oleh pekerja dalam menentukan samada medical card adalah satu keperluan atau pembaziran untuk anda. Mungkin sekarang ini anda belum nampak lagi kegunaan medical card, dan anda hanya sedar akan manfaat medical card apabila ditimpa sakit atau kecelekaan. Malangnya sewaktu saat tersebut, tiada lagi syarikat takaful atau insurans yang akan menerima permohonan anda untuk mendapatkan medical card.

Medical card hanya boleh diperolehi semasa anda sihat dan bukannya apabila anda ditimpa sakit. Jadi, sekiranya anda memasang niat untuk memiliki medical card selepas umur persaraan, adakah anda pasti sewaktu umur tersebut, anda tidak mempunyai apa-apa penyakit,even kalau tak ada penyakit sekalipun, kos untuk memiliki Medical Card di usia matang atau emas..bukan dua tiga kali ganda..tapi berkali-kali ganda mahalnya!!! Sanggupkah anda menggunakan wang KWSP untuk membiayai kos perubatan selepas persaraan, sedangkan simpanan KWSP sepatutnya digunakan untuk menampung perbelanjaan kehidupan selepas bersara.

Sebelum saya mengakhiri entri posting ini, saya ingin merujuk kepada laporan Berita Harian, Kes Sebenar, seorang pekerja Swasta menggunakan Medical Card yang ditanggung oleh Majikan, limit hanya RM15,000, dan selebihnya beliau terpaksa menanggung kos perubatan tersebut.

So, Morals of story , rancanglah kewangan anda hari ini. Memiliki medical card bukanlah sesuatu pembaziran kerana dengan Medical Card PruBSN Takaful, anda boleh dapatkan manfaat perlindungan+ simpanan+kos perubatan dengan harga yang amat berpatutan.

Hubungi saya untuk mendapatkan quotation  Medical Card PruBSN Takaful sekarang juga.

KOS DAN CAJ BILIK HOSPITAL KPJ PERDA PENANG

Room Facilities Available:

• Electric & adjustable beds
• Air-conditioned
• 2 way communication nurse call bell system
• Breakfast, Lunch, Evening Tea & Dinner Services
• Plasma Television 29'
• Dressing table ( only in VVIP, VIP, and Single Rooms )
• Newspaper ( only in VVIP,VIP and Single Rooms )
• Toilet attached for VVIP, VIP & Single Rooms
• Mini Bar (VVIP & VIP rooms only)

Room Rates

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Room Category Published Rate Required Deposit 4 bedded 2 - 3 bedded SINGLE VVIP/ VIP ICU / ISOLATION RM 2000 RM 2000 RM 4000 RM 3000 RM 2500   Room Charges VVIP VIP SINGLE 2 Bedded 3 Bedded 4 Bedded ICU Single Person Accompanying Patient (Folder Bed) RM 600 RM 400 RM 250 RM 150 RM 100 RM 80 RM 250 RM 30

ROOM CATEGORY PUBLISHED RATE (RM) D'PREMIER PREMIER DELUXE DELUXE SINGLE 3-BEDDED 4-BEDDED ISOLATION VVIP VIP STANDARD SINGLE 2-BEDDED 3-BEDDED 4-BEDDED Isolation Intensive Care Unit 750.00 600.00 500.00 350.00 200.00 150.00 380.00 600.00 400.00 250.00 150.00 100.00 80.00 150.00 250.00

2. SINGLE PERSON ACCOMPANYING PATIENT

Patient in 2 Bedded Room and below RM 20.00 per Day
Lodger : referring to the number of people accompanying patient after visiting hours in the ward

ADMISSION & DISCHARGE

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Admission

Our front-line staff will assist you with your In & Out patient processing, including the completion of necessary forms and the confirmation of payment arrangements. Our objective is to ensure a smooth and quick admission to our facilities & access to our Consultants.

What to bring

Kindly bring your Appointment Card & Identity Card for Admission purpose. If you wish, you may bring your personal items such as dressing gown, pyjamas and toiletry items.

Appointment

The Hospital provides 24 hours medical coverage. Emergency patients and all non- emergency patients who come to the Hospital outside normal working hours will be attended by our Medical Officer on duty. If you need to be seen by a Specialist Consultant, we will make the necessary arrangements for you. Should you request a Specialist Consultant during after work hours, an additional charge will be levied.

Payment

Patients are required to place a deposit or a Guarantee Letter upon admission. An initial deposit is required prior to receiving services. The person responsible for payment must ensure the required deposit amount is given within 24 hours of admission. Deposit amounts are based on the estimated total costs of services expected to be provided by the Hospital and your Doctor. Bills should be settled in full on presentation. Accepted mode of payment by Cash or Credit Card only. The deposit will be utilized against patients final bills and any balance due will be refunded. Patients are required to settle all accounts before leaving the Hospital.

Valuables

Patients are advised not to leave their valuables such as jewellery, money, handphones and watches unattended. The Hospital and its staff will not be responsible for any losses incurred in the Hospital.

Telephones

Public Telephones (coin & card) are available outside reception area.

ACCESSIBILITY

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KPJ Penang Specialist Hospital is strategically located at Jalan Bandar Perda Utama,Bandar Perda Bukit Mertajam and near to Jusco Shopping Complex. Surrounded by peaceful scenery of the Seberang Perai Tengah paddy fields in the distance, KPJ Penang Specialist Hospital provides you an ideal serene environment for speedy recovery. The Hospital is just 5 minutes away from Bukit Mertajam town centre, 10 minutes from North-South Expressway.

VISITOR POLICIES

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Outpatient Clinic and Inpatient visiting hours

SPECIALIST CLINIC OPERATING HOURS: Monday – Friday : 8.30 pm - 5.00 pm Saturday : 8.30 am - 12.30 pm Sunday & Public Holidays : Closed

HOSPITAL CHARGES

Listed below are our standard hospital room rates at KPJ Penang. KPJ Penang reserves the right to change the rates without prior notice. Please note that actual charges for operations, procedures and outpatient/inpatient care will differ according to the patient's needs, severity of the patient's medical conditions and treatment required/given.

The hospital provides 24 hour medical coverage. Outside regular operating hours are from 5.00 pm ~ 8.00 am. There will be a Medical Officer on duty on Public holidays and during after hours. If you need to seen by a medical specialist, the Hospital will make the necessary arrangements for you.

Inpatient visiting hours are as follows: 12.30 pm - 2.30 pm 6.30 pm - 9.30 pm

ICU visiting hours are as condition permits. No visitors except close relatives are allowed. We request NO MORE than TWO visitors at one time for the patients benefit. Children below 10 years old are not permitted into the wards.

OVERNIGHT STAY

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For the visitors that wish to accompany the patient will be advice to request for the folderable bed from the nurse counter. The folderable bed charges are at RM35.00 per night.

OTHER FACILITIES PROVIDED

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CONCIERGE & CUSTOMER SERVICE

Concierge services are available at the hospital lobby. Patients with special requirements and guests may also seek assistance from the hospital's customer service desk.

CALL-BELL SERVICE

A nurse call-bell is placed at every patient's bedside and in the bathroom.

FOOD SERVICE

Meals for breakfast, lunch and dinner are provided to patients during their stay. These are included in the room charges. Additional meals will be charged accordingly. The meals are prepared from 5 star hotel experienced chef and closely supervised by a dietician.
Patients can choose from a menu of Western, Chinese, Malay, Healthy Children's Menu and full or soft diet. (Depends on the patient's needs)

TELEPHONE & INTERNET

Telephones and Wi-Fi Services are provided in the VVIP and VIP Suites, and Single rooms. Public telephones are available at various locations within the hospital.
There is a surcharge for telephone calls and Internet (WIFI) services for other rooms.

TELEVISION WITH ASTRO FACILITIES

All rooms have televisions with Astro services.

CAFETERIA

A cafeteria is located on the Ground Floor of the hospital.

ATM MACHINE

Available at our Main Lobby

LATARBELAKANG PRUDENTIAL BSN TAKAFUL

APAKAH ITU TAKAFUL

MAKNA TAKAFUL

Tafsiran syara' ialah satu pakatan kumpulan untuk saling jamin menjamin dan tolong menolong antara satu sama lain.

* Takaful mengikut tafsiran syara' ialah pakatan satu kumpulan untuk saling jamin menjamin dan tolong menolong antara satu sama lain.
* Ini bertepatan dengan Hadith Rasulullah S.A.W. yang bermaksud, "Demi diriku yang dalam kekuasaan Allah bahawa sesiapapun tidak masuk syurga jika tidak memberi perlindungan kepada jirannya yang terhimpit".

Tujuan Takaful

Sistem takaful adalah satu saluran yang membolehkan individu berikhtiar untuk saling bantu membantu bagi menghadapi risiko serta menyediakan manfaat dalam mengurangkan beban kewangan.

* Menjaga kebajikan sosial
* Mewujudkan keharmonian sosial
* Sebagai saluran atau mekanisma sosial di mana,"The fortune many compensate the unfortunate few".

Ciri - Ciri Takaful

Tiada unsur riba'Tiada unsur gharar (ketidakpastian)Tiada unsur maisir (judi)Ada tabarru' (derma ikhlas)Ada perkongsian Al-Mudharabah (keuntungan)Akad yang dipersetujui.

* Tiada unsur riba]
* Tiada unsur maisir (judi)
* Tiada unsur gharar
* Ada perkongsian untung (Al-Mudharabah)