Insurance - to have or not to have

Aku bukan la agen insurance atau promoter insurance tapi cukup la aku sampaikan di sini pengalaman aku. Baru baru ni jer my father has been diagnosed with a critical illness. Nama dia aku dah lupa la but it has something to do with spine. Before he's been diagnosed with that, he has to do the MRI. The cost of MRI takes almost 1k which if it is done in GH will be FOC but he needs to wait for about 2-3 months and he can't wait any longer. The pain is killing him. Then after he has been diagnosed, it took 2 different docs to decide what kind of surgery need to be done. The 1st doc said the cost of the surgical might be 10k but we asked for a second opinion from different hospital. The second doc said it is a major surgery, the cost is more than 20k and only 2 specialist who can do that and he himself is not capable of doing that. He said he got his limitation too. He guarantees that what ever my father is having now is curable but must be done as soon as possible. If we wait any longer he might be paralysed forever. So he recommends 2 docs which definitely not from any GH. He said the specialist from GH has already resigned and joined the private hospital. So we chose one doc which attached with 2 different hospitals. We settled for S but unfortunately we can't book any OT sooner so we have to settle with G. Hearing the name only could lead us to one thing...how much will it cost? That bill must be huge. Even our late Agung was hospitalised there. After few discussion, we managed to find the source of money to settle the bill. I know that when life is at stake you will not think twice to spend your money but if you have options, your journey will be at ease.

Having insurance can help us in so many ways. Even though some might say, why do we need insurance if the company we are working for can pay for it. Yes but until when? By the time you resigned from the company your age is already increasing which the amount of insurance is also increased. Tapi terpulang la pada masing masing. Mungkin ada jugak kata, dia sentiasa sihat dan menjaga kesihatan tapi pepatah ada mengatakan sediakan payung sebelum hujan. Kalaupun bukan untuk diri sendiri tapi sediakan untuk orang tersayang. Ada juga mengatakan untuk apa perlu insurans sedangkan duit itu bole disimpan dan simpanan boleh membiayai segalanya tetapi dengan adanya insurance kita boleh menggunakan wang simpanan kita untuk perkara lain yang mungkin kita perlukan selepas rawatan nanti which kadang kadang kosnya sememangnya tinggi. Sekurang kurangnya jika ada insurans, wang simpanan kita tidak terusik dan kita masih lagi boleh meneruskan hidup.

Memilih insurance pun perlu juga berhati hati. Kalau sebelum ni aku cuma membeli insurans tanpa mengetahui keperluannya tapi aku sekarang menjadi semakin berhati hati untuk meneliti apa yang ditawarkan oleh syarikat insurance dan harga yang perlu dibayar. What ever yang terjadi ke atas bapa aku, merupakan satu pengalaman yang paling berguna untuk aku. Sememangnya wang boleh dicari tapi kita perlu pandai memanfaatkannya. Kasih sayang memang tidak boleh ditukar dengan wang ringgit tetapi jika kita pandai memanfaatkan wang ringgit, kita bole membantu orang yang kita sayangi. Sesungguhnya dugaan yang Allah turunkan untuk kami sekeluarga kali ini sememangnya memberi aku pengalaman yang aku rasa sebelum ini aku tidak pernah terfikir. Aku bersyukur dugaan ini didatangkan sewaktu kami mempunyai wang untuk membiayai perbelanjaan tersebut dan bukan sewaktu kami di dalam kesusahan. Setiap dugaan yang datang sememangnya mempunyai hikmah.