* 健康軒 2010-11-28 15:30
(Source: http://ladyzone.sinchew-i.com/node/2332, accessed 2010-11-30)
最近網上流傳一則新聞，講述一名新加坡女子不幸罹患初期乳癌，可是她購買的三項醫療和危疾保險卻未能作出理賠，這讓她感到百思不得其解，到底問題出在哪里？
追根究底，原來是消費人在簽下保單時，往往對保單的內容不求甚解，影響日後的索賠程序，基於個人的疏忽而徒添失望。
和一般人士一樣，這名女子以為購買的越多保險，獲得的保障就越多，而且她每月須繳付高達600新元的保費。
就在今年6月，她不幸被診斷患上初期乳癌，經歷12小時的手術後，她總算保住了自己性命。手術康復後，她立刻向有關保險公司提出危疾保險的索賠申請，於是將有關病例和相關手續呈交保險公司。
然而，她的索賠申請被拒絕了。經過向保險經紀員的再三查問，她才發現早前簽下的保單是不涵蓋“乳管原位癌（Ductal Carcinoma in Situ，簡稱DCIS）”的疾病，這疾病是發生於乳管的一種非侵犯性（noninvasive）的極早期乳癌。
她以為購買了3項醫療和危疾保險，就可以在任何情況下獲得保障，但是事實並非如她所想象。大馬保誠保險產品及行銷總裁邢詒旺針對上述事件表示，顧客在考慮購買保單時，應向保險業務人員了解每一個細節和詳情，以免日後在申請索賠的時候碰釘子。
“至於危疾保險的理賠事宜，每個國家都是根據統一的標準作為理賠的原則。在大馬，危疾保險是根據大馬壽險協會（LIAM）所制定的“危疾”定義作為理賠標準。”
他舉例，原位癌DCIS是屬于非侵犯性的早期癌癥，並不被列入在危險疾病的定義范圍中，因此若投保人的危疾保險沒有涵蓋原位癌的保障，保險公司有權利不做出任何理賠。
他呼吁大眾在購買疾病保險時，切記弄清楚自己想要獲得怎樣的保障，才決定購買那一種保險計劃。消費人在簽保之前，可以要求保險代理員一一解釋保單的所有保障、不保事項、索賠數額、條款及細則等等，以免發生不愉快的事情。
核對醫療保險計劃清單
考慮購買醫療保險時，您應該向保險業務員查詢的問題：
1. 我可以獲得什么保障?住院和手術保險、疾病保險、住院入息保險計劃、收入損失保險（Disability income plan)還是保障女性的醫療保險。
2. 我的保障期有多久、是否設有最高保障限額？了解所有保障、不保事項、條款及細則，尤其向保險經紀員了解不承保的事項，以讓索賠過程順利進行。
3. 我的醫療保險是否屬于共同保險（co-insurance)？共保是指保險人和投保人共同承擔賠償金，例如若以10/90的方式進行，即保險公司付90%的費用，投保人只須付其余10%。
4. 我的家庭成員患有心臟病的歷史，我是否應該如實申報病歷？當購買醫療保險時，應該如實地申報病歷。若投保人沒有申報有關病歷，日後若被診斷相同病情，保險公司有權力不做出任何理賠。
5. 若保單不适合該怎么辦？所有保險公司都有提供“15日審閱期”，要是在指定期間發現新保單不合適，保險公司將原銀奉還您的保費。須符合條規。
6. 我該在什么時候購買醫療保單？醫療保險計劃愈早作出部署愈好，並建議一年一次定期檢討本身的計劃以應付通貨膨脹、醫藥費高漲等問題。若有需要，可考慮加保以獲更全面的保障。
PRUlady讓妳從容面對生活起落
邢詒旺指出，保誠保險旗下有特別為女性而設的PRUlady智慧女性保障計劃，為女性提供全面保障。
保障包括一般女性疾病、腎炎引發的全身性紅斑狼瘡、因意外而接受面部修正外科、乳房或子宮頸原位癌和妊娠并發癥及初生嬰兒等保障項目。
此外，此計劃的保障也包括因意外燒傷或患皮膚癌而需接受植皮手術，投保人可靈活選擇所需要的保障，因應自己的需要充分運用金錢，更符合經濟原則。
PRUlady智慧女性保障計劃也支付各式人生的重大利益，包括結婚利益、分娩利益、解雇利益、離婚利益及喪偶利益。於滿期日，該計劃將在扣除之前曾經做出的任何索賠後，退還所有繳交的保費餘額。
Tuesday, November 30, 2010
Wednesday, November 3, 2010
LATEST CON JOB IN SINGAPORE
Just happen in Singapore ...
Hi everyone,
I want to let you all know that Frank and I have been the victims of credit card fraud this week and felt I should warn you all about the clever scam.. It works like this:
Last Wednesday I had a phone call late morning from Express Couriers to ask if I was going to be home as he had a delivery for me. He said he would there in roughly an hour. He turned up with a beautiful basket of flowers and wine. I expressed my surprise as I wasn't expecting anything like this and said I was intrigued to know who was sending me such a lovely gift. He said he was only delivering the gift and the card was being sent separately (the card has never arrived).There was a consignment note with the gift.
He went on to explain that because the gift contained alcohol he has to charge the recipient $3.50 as proof that he has actually delivered to an adult, and not left it on a door step if the recipient is out, to be stolen or taken by children. This seemed logical and I offered to get the cash.
He then said that the company required the payment to be by EFTPOS so he's not handling cash and everything is properly accounted for.
Frank was there and got his credit card and 'John' swiped the card on this small mobile machine that also had a small screen upon which Frank entered in his pin number. A receipt was printed out and given to us.
Between last Thursday and Monday $4,000 was withdrawn from our credit account at ATM machines in the north shore area. It appears a dummy credit card was made using the details in the machine and of course, they had Frank's pin number. The Bank has stopped our cards and I've been to the Police this morning, where they confirmed that it is a definite scam and many households were hit during the first 3 days of October.
So PLEASE be wary of accepting a gift you're not expecting especially if the card is not with it. We've all received gifts like this and would never dream that it could be such a despicable act. Please also let other female friends and relatives know. Hopefully, these fraudsters have ceased this activity by now but you never know.
Hi everyone,
I want to let you all know that Frank and I have been the victims of credit card fraud this week and felt I should warn you all about the clever scam.. It works like this:
Last Wednesday I had a phone call late morning from Express Couriers to ask if I was going to be home as he had a delivery for me. He said he would there in roughly an hour. He turned up with a beautiful basket of flowers and wine. I expressed my surprise as I wasn't expecting anything like this and said I was intrigued to know who was sending me such a lovely gift. He said he was only delivering the gift and the card was being sent separately (the card has never arrived).There was a consignment note with the gift.
He went on to explain that because the gift contained alcohol he has to charge the recipient $3.50 as proof that he has actually delivered to an adult, and not left it on a door step if the recipient is out, to be stolen or taken by children. This seemed logical and I offered to get the cash.
He then said that the company required the payment to be by EFTPOS so he's not handling cash and everything is properly accounted for.
Frank was there and got his credit card and 'John' swiped the card on this small mobile machine that also had a small screen upon which Frank entered in his pin number. A receipt was printed out and given to us.
Between last Thursday and Monday $4,000 was withdrawn from our credit account at ATM machines in the north shore area. It appears a dummy credit card was made using the details in the machine and of course, they had Frank's pin number. The Bank has stopped our cards and I've been to the Police this morning, where they confirmed that it is a definite scam and many households were hit during the first 3 days of October.
So PLEASE be wary of accepting a gift you're not expecting especially if the card is not with it. We've all received gifts like this and would never dream that it could be such a despicable act. Please also let other female friends and relatives know. Hopefully, these fraudsters have ceased this activity by now but you never know.
FRAUD TACTICS
Someone shared the following cases :
(1) Today I passed by a building which has an ATM machine. There was an old man looking at me. Suddenly, he called me. He said he didn't know how to read, so he gave me his ATM card and asked me to help him withdraw money from the ATM machine. I answerd 'NO!! If you need help, ask the security to help you.' Then he said 'nevermind..' and continued to find other people to help him...
REMEMBER : ATM machines have CCTVs. If you help him he will later claim that you have robbed him or stolen his ATM card. Besides, his ATM card could
be a stolen one. So please be careful of these tactics.
(2) Suddenly your house lights go off. From your window you find that your neighbours still have lights. So you go out of your house to check the Meter Box. But once you open the door, a knife will be pointing at you and preventing you from closing it. This is when you will be robbed and injured.
REMEMBER : Even though your electricity suddenly goes off, DO NOT open your door immediately. Look around to see if there is anything unusual
or if there is any noise around.
(3) This is another incident. You may have heard it before, it is about a lady who she saw a kid crying by the roadside. When she spoke to the kid, the kid told her he was lost and wanted her to take him home. The kid even gave her a paper with his house address. So she took him home. But when she rang the door bell, she had an electric shock. Later when she woke up, she was naked in an empty room.
REMEMBER : Being such a compassionate and helpful person might not be a good thing these days. Pass this on and girls, please be careful..
DON'T BE TOO KIND!!
(4) One day, there was an old lady outside my house holding 2 packets of sweets. At first I thought she was our neighbour and wanted to give us these packs of sweets as a gift. But then when she spoke, I can realised that she was foreigner. I could not understand what she was talking about. I guessed she must be asking for money. I sensed there was something wrong and immediately closed the door and ignored her. Later, I found she and an accomplice robbed someone else down the road.
(5) I was at the ATM machine to withdraw some money. Behind me, there was an old lady. She asked me whether I was able to withdraw my money because she said she had problem with her machine.
Suddenly a small girl came up beside me. The small girl was squeezing in front of me. I thought she was just naughty and playful. But then, the small girl put her hand at the tray of the ATM machine where the money comes out, ready to take away my money. I sensed something wrong and immediately pushed her away. Later I realised that the small girl and the old lady worked together. She was trying to steal my money while the old lady was trying to distract my attention by asking me questions!
REMEMBER: BE VERY CAREFUL when you are at an ATM machine and be alert.
Look out for anyone suspicious around you!
(6) My parents are retired and stay at home most days. One afternoon, a young stranger went to their house and said his motorcycle had no more petrol and the petrol station was too far for him to push his bike there. So he asked my parents for an empty coke bottle to buy some petrol. He said he will pay RM2 for the bottle. So my mum took one coke bottle for him. He really took out the money from his pocket, but it was a RM 100 note. He told my mum he had no small change and asked my mum to give him the change. Luckily my mum was smart. She just told him to take it for free.
REMEMBER : obviously that note is fake!! Who would want to pay for RM2 for an empty coke bottle!! It's very OBVIOUS that that stranger is a trickster.
(7) This happened in Bali. A newly married couple were having their honeymoon at the hotel. When both are in the changing room, the wife suddenly went missing. The husband was very anxious and went around to find her. He asked the hotel staff to help him find her. Then he thought his wife was just playing hide and seek. So he went back and waited for his wife. After a few hours, he decided to call the police. 3 weeks passed and there was still no news about his missing wife. So he went back and was very disappointed and sad.
A few years later, he came back to Bali, to watch a 'FREAK SHOW' in an old house. He saw a dirty and rusty metal cage.
Inside there was a lady without limbs. Her body including the face was full of scars. When he had a closer look at her face, he was shocked to find that it was her missing wife put there as a means for begging.
(8) This happened in Shanghai. A few years ago, a lady reported to the police that her cousin sister was missing in the shopping complex. But after 5 years, one of her friends found her cousin sister begging at the road side one of the streets in Bangkok, Thailand. The worst thing is that her cousin sister has no more limbs and her body was tied to a lamp post with a shackle (metal chain).
(9) Let's just shorten this story. DO NOT open your house door when you hear the sound of a BABY CRYING!! It might be a trap! Women in the house must be alert to this trick. The police said it is the work of a robber or murderer using the recording of a baby crying to attract your attention.
This normally happens at night and when you are alone in the house.
(10) I read an email that was sent by my friend. Her friend, known as A, went to Luo Hu CommercialCitywith 2 friends, B and C. Luo Hu Commercial City is the Shenzhen counterfeit goods distribution center. There are many people there. It's also near to the ShenZhen train station and Hong Kong's
Luo Hu Port.
C went to the toilet at the shopping centre while A and B waited outside. After waiting for a long, time they felt uneasy and went into the toilet to look for her. When they went in, there was nobody inside. Both were scared and they called C's phone. There was no reply. So they reported to the police. The police asked them whether they had seen any boby suspicious going into the toilet. Both said there were none and its impossible to bring a life person out of the toilet without them noticing!...
Then A remembered seeing a cleaner pushing a trolley in, and then coming out. The police told them that was not the 1st time such a thing happened. The police suspected a gang of criminals who were always attacking women in the the toilet of shopping complexes. They use cleaners to kidnap people to harvest their organs for sale.
REMEMBER : please be careful when using the toilet. Do not go to the wash room or toilet ALONE!! Please at least have a partner with you.
(1) Today I passed by a building which has an ATM machine. There was an old man looking at me. Suddenly, he called me. He said he didn't know how to read, so he gave me his ATM card and asked me to help him withdraw money from the ATM machine. I answerd 'NO!! If you need help, ask the security to help you.' Then he said 'nevermind..' and continued to find other people to help him...
REMEMBER : ATM machines have CCTVs. If you help him he will later claim that you have robbed him or stolen his ATM card. Besides, his ATM card could
be a stolen one. So please be careful of these tactics.
(2) Suddenly your house lights go off. From your window you find that your neighbours still have lights. So you go out of your house to check the Meter Box. But once you open the door, a knife will be pointing at you and preventing you from closing it. This is when you will be robbed and injured.
REMEMBER : Even though your electricity suddenly goes off, DO NOT open your door immediately. Look around to see if there is anything unusual
or if there is any noise around.
(3) This is another incident. You may have heard it before, it is about a lady who she saw a kid crying by the roadside. When she spoke to the kid, the kid told her he was lost and wanted her to take him home. The kid even gave her a paper with his house address. So she took him home. But when she rang the door bell, she had an electric shock. Later when she woke up, she was naked in an empty room.
REMEMBER : Being such a compassionate and helpful person might not be a good thing these days. Pass this on and girls, please be careful..
DON'T BE TOO KIND!!
(4) One day, there was an old lady outside my house holding 2 packets of sweets. At first I thought she was our neighbour and wanted to give us these packs of sweets as a gift. But then when she spoke, I can realised that she was foreigner. I could not understand what she was talking about. I guessed she must be asking for money. I sensed there was something wrong and immediately closed the door and ignored her. Later, I found she and an accomplice robbed someone else down the road.
(5) I was at the ATM machine to withdraw some money. Behind me, there was an old lady. She asked me whether I was able to withdraw my money because she said she had problem with her machine.
Suddenly a small girl came up beside me. The small girl was squeezing in front of me. I thought she was just naughty and playful. But then, the small girl put her hand at the tray of the ATM machine where the money comes out, ready to take away my money. I sensed something wrong and immediately pushed her away. Later I realised that the small girl and the old lady worked together. She was trying to steal my money while the old lady was trying to distract my attention by asking me questions!
REMEMBER: BE VERY CAREFUL when you are at an ATM machine and be alert.
Look out for anyone suspicious around you!
(6) My parents are retired and stay at home most days. One afternoon, a young stranger went to their house and said his motorcycle had no more petrol and the petrol station was too far for him to push his bike there. So he asked my parents for an empty coke bottle to buy some petrol. He said he will pay RM2 for the bottle. So my mum took one coke bottle for him. He really took out the money from his pocket, but it was a RM 100 note. He told my mum he had no small change and asked my mum to give him the change. Luckily my mum was smart. She just told him to take it for free.
REMEMBER : obviously that note is fake!! Who would want to pay for RM2 for an empty coke bottle!! It's very OBVIOUS that that stranger is a trickster.
(7) This happened in Bali. A newly married couple were having their honeymoon at the hotel. When both are in the changing room, the wife suddenly went missing. The husband was very anxious and went around to find her. He asked the hotel staff to help him find her. Then he thought his wife was just playing hide and seek. So he went back and waited for his wife. After a few hours, he decided to call the police. 3 weeks passed and there was still no news about his missing wife. So he went back and was very disappointed and sad.
A few years later, he came back to Bali, to watch a 'FREAK SHOW' in an old house. He saw a dirty and rusty metal cage.
Inside there was a lady without limbs. Her body including the face was full of scars. When he had a closer look at her face, he was shocked to find that it was her missing wife put there as a means for begging.
(8) This happened in Shanghai. A few years ago, a lady reported to the police that her cousin sister was missing in the shopping complex. But after 5 years, one of her friends found her cousin sister begging at the road side one of the streets in Bangkok, Thailand. The worst thing is that her cousin sister has no more limbs and her body was tied to a lamp post with a shackle (metal chain).
(9) Let's just shorten this story. DO NOT open your house door when you hear the sound of a BABY CRYING!! It might be a trap! Women in the house must be alert to this trick. The police said it is the work of a robber or murderer using the recording of a baby crying to attract your attention.
This normally happens at night and when you are alone in the house.
(10) I read an email that was sent by my friend. Her friend, known as A, went to Luo Hu CommercialCitywith 2 friends, B and C. Luo Hu Commercial City is the Shenzhen counterfeit goods distribution center. There are many people there. It's also near to the ShenZhen train station and Hong Kong's
Luo Hu Port.
C went to the toilet at the shopping centre while A and B waited outside. After waiting for a long, time they felt uneasy and went into the toilet to look for her. When they went in, there was nobody inside. Both were scared and they called C's phone. There was no reply. So they reported to the police. The police asked them whether they had seen any boby suspicious going into the toilet. Both said there were none and its impossible to bring a life person out of the toilet without them noticing!...
Then A remembered seeing a cleaner pushing a trolley in, and then coming out. The police told them that was not the 1st time such a thing happened. The police suspected a gang of criminals who were always attacking women in the the toilet of shopping complexes. They use cleaners to kidnap people to harvest their organs for sale.
REMEMBER : please be careful when using the toilet. Do not go to the wash room or toilet ALONE!! Please at least have a partner with you.
Monday, November 1, 2010
EPF Rules
If ONE (1) of your Nominees in the EPF Nominees list dies, automatically the whole arrangement (EPF Nominees list) is VOID .. Meaning if, you only put in One (1) name & unfortunately he/she dies before you - automatically EPF will channel your EPF money to trustee of AMANAH RAYA upon your death.
Even though if you have few names in the EPF Nominees list, - the whole arrangement is VOID & none of the individual names left in the EPF Nominees list will get their portion & automatically EPF will channel your EPF money to trustee of AMANAH RAYA upon your death.
Piece of advice - if any of the your Nominees in the EPF Nominees list dies, please do immediately approach the nearest EPF counter & present the Death Certificate of the individual & register your NEW / LATEST Nominee in the EPF Nominees list + NEW / LATEST percentage .
If, you & the other party (maybe spouse) involved in the same misfortune (accident / illness) that caused death to both yourself / spouse please, please, please alert your siblings / relatives / parents to immediately approach the nearest EPF counter & share the information within 3 days to AVOID all EPF money to be surrendered to trustee of AMANAH RAYA .
Upon surrender to trustee of AMANAH RAYA, your children will have to battle the money thru 3 channels;
Majlis Agama
Pejabat Tanah
Mahkamah
The normal period via above 3 channels usually takes 2-3 years (except if you have inside/tip top connection) at Amanah Raya.
Even though if you have few names in the EPF Nominees list, - the whole arrangement is VOID & none of the individual names left in the EPF Nominees list will get their portion & automatically EPF will channel your EPF money to trustee of AMANAH RAYA upon your death.
Piece of advice - if any of the your Nominees in the EPF Nominees list dies, please do immediately approach the nearest EPF counter & present the Death Certificate of the individual & register your NEW / LATEST Nominee in the EPF Nominees list + NEW / LATEST percentage .
If, you & the other party (maybe spouse) involved in the same misfortune (accident / illness) that caused death to both yourself / spouse please, please, please alert your siblings / relatives / parents to immediately approach the nearest EPF counter & share the information within 3 days to AVOID all EPF money to be surrendered to trustee of AMANAH RAYA .
Upon surrender to trustee of AMANAH RAYA, your children will have to battle the money thru 3 channels;
Majlis Agama
Pejabat Tanah
Mahkamah
The normal period via above 3 channels usually takes 2-3 years (except if you have inside/tip top connection) at Amanah Raya.
Beware of ID theft in a Hotel via their card key...Caution!
Always take a small magnet on your holiday, they come in handy at the end of it.
Thought you all needed to know this
This is pretty good info. Never even thought about key cards containing anything other than an access code for the room!
HOTEL KEY CARDS
Ever wonder what is on your magnetic key card?
Answer:
a. Customer's name
B. Customer's partial home address
c. Hotel room number
d. Check-in date and out dates
e. Customer's credit card number and expiration date!
When you turn them in to the front desk your personal information is there for any employee to access by simply scanning the card in the hotel scanner.. An employee can take a hand full of cards home and using a scanning device, access the information onto a laptop computer and go shopping at your expense.
Simply put, hotels do not erase the information on these cards until an employee reissues the card to the next hotel guest. At that time, the new guest's information is electronically 'overwritten' on the card and the previous guest's information is erased in the overwriting process.
But until the card is rewritten for the next guest, it usually is kept in a drawer at the front desk with YOUR INFORMATION ON IT!
The bottom line is: Keep the cards, take them home with you, or destroy them. NEVER leave them behind in the room or room wastebasket, and NEVER turn them into the front desk when you check out of a room. They will not charge you for the card (it's illegal) and you'll be sure you are not leaving a lot of valuable personal information on it that could be easily lifted off with any simple scanning device card reader.
For the same reason, if you arrive at the airport and discover you still have the card key in your pocket, do not toss it in an airport trash basket. Take it home and destroy it by cutting it up, especially through the electronic information strip!
If you have a small magnet, pass it across the magnetic strip several times. Then try it in the door, it will not work. It erases everything on the card.
Thought you all needed to know this
This is pretty good info. Never even thought about key cards containing anything other than an access code for the room!
HOTEL KEY CARDS
Ever wonder what is on your magnetic key card?
Answer:
a. Customer's name
B. Customer's partial home address
c. Hotel room number
d. Check-in date and out dates
e. Customer's credit card number and expiration date!
When you turn them in to the front desk your personal information is there for any employee to access by simply scanning the card in the hotel scanner.. An employee can take a hand full of cards home and using a scanning device, access the information onto a laptop computer and go shopping at your expense.
Simply put, hotels do not erase the information on these cards until an employee reissues the card to the next hotel guest. At that time, the new guest's information is electronically 'overwritten' on the card and the previous guest's information is erased in the overwriting process.
But until the card is rewritten for the next guest, it usually is kept in a drawer at the front desk with YOUR INFORMATION ON IT!
The bottom line is: Keep the cards, take them home with you, or destroy them. NEVER leave them behind in the room or room wastebasket, and NEVER turn them into the front desk when you check out of a room. They will not charge you for the card (it's illegal) and you'll be sure you are not leaving a lot of valuable personal information on it that could be easily lifted off with any simple scanning device card reader.
For the same reason, if you arrive at the airport and discover you still have the card key in your pocket, do not toss it in an airport trash basket. Take it home and destroy it by cutting it up, especially through the electronic information strip!
If you have a small magnet, pass it across the magnetic strip several times. Then try it in the door, it will not work. It erases everything on the card.
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