别学“医卡姐”乱说话!医药卡不是免死金牌!

“医卡姐”一句,没有买医药卡,等不及160万令吉换肝的林知麟小弟弟死得活该!

医卡姐的下场可想而知,被网民人肉搜索,最终落得遭保险公司开除撇清关系。

由此可见,要当一名保险从业员,需要的不仅是同理心,还要专业,该说的话,就该说清楚,不该说的话,先三思而后行,否则丢了饭碗事小,名誉受损就声败名裂,还会连累同业,最终落得过街老鼠的下场。

什么是该说的话?

关于医药卡,让小编这就给您解释,是否拥有了医药卡就等于有免死金牌?

我们选购医药卡时要详细了解医药卡保障的泛围与内容,一般上所要注意的条款和细节 (Term and Condition) 包括:

30天等待期-在签下一份新的医药保单然后保单正式生效后的首30天内所发生任何疾病而导致住院的费用都是不受保的,唯有因为意外事故所导致的医药费用才能获得理赔。
现有病症-已经有了的病症或正在接受治疗的症状都不受保。
特别声明的病症-保单生效的首十二个月内,无论投保人知道与否,有某些疾病是不受保的。
其他不受保项目包括:整容,生育,自杀,危险运动,战争或暴乱所引起的事故等。

也就是说医药卡不等于免死金牌,保险从业员有必要给受保者解释清楚这一点,这就是所谓“该说的话”。

另外,还需要分析给受保者知道,没有医药卡的话,也是万万不能,我们都知道现今的医药费非常贵,小病或受伤而住院,没有几千令吉是不行的。如果运气不好,被黑斑蚊叮上一口,住进 ICU (Intensive Care Unit) 加护病房,就得准备倾家荡产了。

当然,我们可以选择在政府医院治疗,只是有些疾病需要排期,病重的病人每分每秒都在和时间争斗,怕,只怕等不及。

至于不该说的话,当然就是“医卡姐”那种嘴里吐不出象牙的话咯,什么病人没买医药卡该死之类的,这些让你显得又小气又不够专业的话,记得,永远都不要从你嘴巴吐出。当遇到有保险或医药卡需要帮助的人士,尽力协助,这才是保险从业员该有的专业。

记得,有相关疑问的您们,可以免费PM我们,我们会以最专业的方法协助您。

More from author

LEAVE A REPLY

Please enter your comment!
Please enter your name here

Related posts

Advertisment

Latest posts

家族信托比遗产更有效?

其实比起遗嘱,设立家族信託更有效,因为遗嘱仍有太多不足的地方,包括对遗嘱真伪的质疑。

别学“医卡姐”乱说话!医药卡不是免死金牌!

“医卡姐”一句,没有买医药卡,等不及160万令吉换肝的林知麟小弟弟死得活该! 医卡姐的下场可想而知,被网民人肉搜索,最终落得遭保险公司开除撇清关系。

遗嘱常见问题 Part 1

当一个人不在时而他没有立遗嘱,将会怎么样? 离婚会使遗嘱作废吗?
[tdn_block_newsletter_subscribe title_text=”Want to stay up to date with the latest news? ” description=”V2UlMjB3b3VsZCUyMGxvdmUlMjB0byUyMGhlYXIlMjBmcm9tJTIweW91ISUyMFBsZWFzZSUyMGZpbGwlMjBpbiUyMHlvdXIlMjBkZXRhaWxzJTIwYW5kJTIwd2UlMjB3aWxsJTIwc3RheSUyMGluJTIwdG91Y2guJTIwSXQncyUyMHRoYXQlMjBzaW1wbGUh” input_placeholder=”Email address” btn_text=”Subscribe” tds_newsletter2-image=”8″ tds_newsletter2-image_bg_color=”#c3ecff” tds_newsletter3-input_bar_display=”row” tds_newsletter4-image=”9″ tds_newsletter4-image_bg_color=”#fffbcf” tds_newsletter4-btn_bg_color=”#f3b700″ tds_newsletter4-check_accent=”#f3b700″ tds_newsletter5-tdicon=”tdc-font-fa tdc-font-fa-envelope-o” tds_newsletter5-btn_bg_color=”#000000″ tds_newsletter5-btn_bg_color_hover=”#4db2ec” tds_newsletter5-check_accent=”#000000″ tds_newsletter6-input_bar_display=”row” tds_newsletter6-btn_bg_color=”#da1414″ tds_newsletter6-check_accent=”#da1414″ tds_newsletter7-image=”10″ tds_newsletter7-btn_bg_color=”#1c69ad” tds_newsletter7-check_accent=”#1c69ad” tds_newsletter7-f_title_font_size=”20″ tds_newsletter7-f_title_font_line_height=”28px” tds_newsletter8-input_bar_display=”row” tds_newsletter8-btn_bg_color=”#00649e” tds_newsletter8-btn_bg_color_hover=”#21709e” tds_newsletter8-check_accent=”#00649e” embedded_form_code=”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” tds_newsletter=”tds_newsletter1″ tds_newsletter1-input_bar_display=”” tds_newsletter1-input_border_size=”0″ tds_newsletter1-title_color=”#172842″ tds_newsletter1-description_color=”#90a0af” tds_newsletter1-disclaimer_color=”#90a0af” tds_newsletter1-disclaimer2_color=”#90a0af” tds_newsletter1-input_text_color=”#90a0af” tds_newsletter1-input_placeholder_color=”#bcccd6″ tds_newsletter1-input_bg_color=”#ffffff” tds_newsletter1-input_border_color=”rgba(255,255,255,0)” tds_newsletter1-input_border_color_active=”rgba(255,255,255,0)” tds_newsletter1-f_title_font_family=”394″ tds_newsletter1-f_title_font_size=”eyJhbGwiOiI0MiIsImxhbmRzY2FwZSI6IjM2IiwicG9ydHJhaXQiOiIzMCIsInBob25lIjoiMzAifQ==” tds_newsletter1-f_title_font_line_height=”1.2″ tds_newsletter1-f_title_font_spacing=”-1″ tds_newsletter1-f_descr_font_family=”638″ tds_newsletter1-f_descr_font_size=”eyJhbGwiOiIxOCIsImxhbmRzY2FwZSI6IjE1IiwicG9ydHJhaXQiOiIxNCIsInBob25lIjoiMTQifQ==” tds_newsletter1-f_descr_font_line_height=”1.6″ tds_newsletter1-f_descr_font_weight=”700″ content_align_horizontal=”content-horiz-center” tdc_css=”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″ tds_newsletter1-f_disclaimer_font_family=”394″ tds_newsletter1-f_disclaimer2_font_family=”394″ tds_newsletter1-f_input_font_family=”394″ tds_newsletter1-f_input_font_line_height=”3″ tds_newsletter1-f_input_font_size=”eyJhbGwiOiIxNiIsInBvcnRyYWl0IjoiMTQiLCJwaG9uZSI6IjE0In0=” tds_newsletter1-f_btn_font_family=”394″ tds_newsletter1-f_btn_font_transform=”uppercase” tds_newsletter1-f_btn_font_weight=”700″ tds_newsletter1-btn_bg_color=”#e2687e” tds_newsletter1-btn_bg_color_hover=”#172842″ tds_newsletter1-f_input_font_weight=”” tds_newsletter1-f_title_font_weight=”800″]