1.Apallic Syndrome / Vegetative State
2.Creutzfeldt-Jacob Disease (Mad Cow Disease)
3.Myasthenia Gravis
4.Other Serious Coronary Artery Disease
5.Progressive Scleroderma
6.Brachial Plexus Injury resulting in total paralysis one limb
7.Medullary Cystic Disease
8.Major Head Trauma
9.Loss Of Independent Existence
10.Systemic Lupus Erythematosus with Lupus Nephritis
Quote:
Originally Posted by Ridzuan_AIA
Assalam Tuan q.azhar,
ok saya sekadar nak berkongsi pendapat dengan tuan.
Dari 10 additional CI tuan senaraikn diatas, 4 yang saya highlight kan diatas adalah origin 36 CI di AIA..persoalan saya, jika ini adalah additional 10 CI MAAT,maksudnya apakah origin 36 CI MAAT ?
Sebab sekarang ni AIA ada produk cover 95 Critical Illness, cuma penambahan 59 CI AIA(95 - 36)adalah CI events dimana ia ada 3 peringkat AIA akan bayar dari jumlah sum insured which is low severity 30% , Medium severity 60% dan High severity 100% (origin 36 CI).
Contoh 4 CI yang saya highligh diatas ,yang pertama :
1- i)Other serious coronary artery disease AIA bayar 100%
ii) Other coronary disease 60%
iii) Early coronary disease 30%
2 - i) Major Head Trauma AIA Bayar 100%
ii) Mild head trauma 30%
4 - i) Loss of independent existence AIA bayar 100%
ii) Early loss of independent existence 30%
Dan persoalan saya adalah, adakah penambahan itu dikategorikan sebagai 100% payout atau adakah penambahan CI itu merangkumi juga early payment for early disease diagnose?
Sekadar berkongsi pendapat
Quote:
Originally Posted by azizriadi
Sekarang nie memang banyak plan dah start early payment of critical illness...kalau dulu, semua akan di bayar kalau dah tahap critical. Now, kalau early stage pun dah boleh claim, cuma tak boleh claim 100%..biasanya antara 25% to 30%.
prubsn pulak mcm mane ?? ambe nak tau gak..
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Yang saya nampak, kalau boleh bagi benefit banyak pada peserta takaful, kemungkinan besar cukai yang dikenakan juga adalah rendah. maybe sebab syarikat Local. Maksudnya secara logic cash peserta akan lebih tinggi berbanding cash peserta takaful syarikat asing. tak gitu? bagus kan...
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