The last few days, I’ve spent it at the hospital with my husband, accompanying him. He got stone at the kidney. He was in Putrajaya when he felt the pain. Hearing about his pain and having sent to the hospital was enough to make me worried so much. Even though I knew that his friends were taking good care of him, I am still very worried and can’t wait to be with him.
Due to this stone thing, he had to undergo a minor operation. Again, I was worried. Will the operation be okay? What if anything bad happened during the operation and etc.
Hah.....this tiny test to us had made us worried so much. What about those in Japan? They are facing a much greater challenge than us. Hence, the ability of the Japanese to stay calm and relax in facing this disaster test is amazing. And yes, we have to admit, they are, the peoples of a developed country. Today, they proved that they are a developed country and so as the citizens, all developed and matured.
As you knew Japan too, is a country with high technology. Again, I admired them. Imagine their life is in a very high technology environment where all you need to do is to push a button and things will move. From house, to work place and even the toilet, with one button push or sometimes don’t even have to push any button, using sensors, things will be automatically done. Thus, then after having this kind of life, you were push to enter an environment without electricity and water, will you be able to remain calm? The Japanese did.
They have proved that they are able to still survive this kind of situation apart from their-so-called-pampered-life. Can you imagine if this disaster took place in Malaysia? Can you imagine how we react? Hmmmm.........that is why we are developing country and not developed country...
I am not sure on how the Japanese having this good attitude. Since they are not really religious, thus, I believed, that they are well-trained. The Japanese leaders’ had a perfect mould to mould the citizens into this good shape. I remembered when our ex PM, Mahathir was talking about Wawasan 2020, having citizens in our own mould. I believed, he was talking about having a developed citizen and not only developed country by 2020. Of course, how could we have a developed country without first having a developed citizen. In fact, we need a developed citizen first, prior to the developed country.
But looking at Malaysia’s current condition of development, I am not really sure whether we are moving the right way. Don’t really see the human development program or any educational method of developing the citizens into a developed-country- citizen being done. And I am not sure whether we have a mould? Do we know what we want to be? And are we moving towards Wawasan 2020, or with a new leader now, had Wawasan 2020 been banish? And here we are, 1 Malaysia. Or the leader now is just interested with educating the public on road traffic regulations by giving summons....thus, other than that, nothing else matter....
I can still see peoples throwing rubbish out of their car window, hence I believed we are far behind, to catch up with 2020. Shall we bid farewell to 2020 and come out with the new targets? Well, who actually cares about this? The government? The peoples? I won’t blame the Malaysian citizen if they don’t care.
I knew, Malaysians are busy coping with the increase of price of the mandatory life needs, such as food. In order to cope with the high living expenses, adults have to spend more time at work to gain extra money. Due to this, less time spend with family. Thus, leading to higher rate of broken-family-institution and hence, more abandoned children.
So, our next generation, will be mostly children from broken or half-broken-family. And with this, do we still talk about being a developed country?
Okay, I’ll stop writing now.....enough said neh....let’s stop complaining and do our part. We are all grown up and we knew what we have to do. So, people.....let’s move it.....we certainly don’t want a real tsunami to come to us and then only we learn a lesson, don’t we.....
AYu
Tuesday, March 29, 2011
Monday, March 7, 2011
A letter of complaint
After receiving the letter from Takaful Ikhlas Sdn Bhd, that Adibah's insurance application is rejected, I was so piss off. It's written in the letter that the application is rejected because of her health condition. I totally did not understand what this mean?
Are they referring to my child deaf-blindness? She is not eligible to obtain the medical card because of her deaf-blindness? What were they thinking? That they will facing a big loss because Adibah will regularly admitted to the hospital because of her deaf-blindness. I couldn't believed this is happening. She is having that deaf-blindness since born. It is a congenital defect, a god's gift. And I totally understood that congenital defects is not covered. I'm not that stupid. They can easily explained to me in a very simple manner.
But no, they did not. They straight away rejected her application. Thus, I wrote a letter of complaint and emailed it this morning. I can always keep quite and pretend this never happened and just go to other insurance service provider but it hurts me more. I am certain that what is done by this insurance company, is not a correct and is not the right thing. Especially when you are promoting an Insurance scheme under the name of Takaful, under the brand of Islam and then you refuse to assist a multiple disable kid and rejected her straight away with no further question ask? Hah.....this is so absurd....
From: RAHAYU BINTI RAZAK
Sent: Mon 3/7/2011 9:40 AM
To: ikhlascare@takaful-ikhlas.com.my
Subject: A letter of complaint
Salam.
My name is Rahayu Razak. The purpose of writing this email is to express my disapointment and hence request for action to be taken by Takaful Ikhlas Sdn Bhd.
Early this year, I applied for Takaful Insurance Coverage for my family, including my special child Nurul Adibah Md Ashraf. Last week, I received a letter dated 11 Feb 2011, received by my agent on 23 Feb 2011. The application for Nurul Adibah Md Ashraf (application number - HS1181081) is rejected with the reason written in the letter - Permohonan ditolak kerana keadaaan kesihatan peserta. I am so disapointted with this decision. And I do not understand why is the insurance application rejected because of my child health condition.
First
I wondered how do your company decide on my child's health condition without seeing the medical report. Together with the application, I only submitted Borang pendaftaran dan cadangan penempatan kanak-kanak keperluan khas (0-18 tahun). And in this form it is only stated that my child is having a profound hearing impairment and blind. In other words, my child is deaf-blind.
And the diagnose in the 2nd page written Learning Disorder with Visual impairment. There is no any phrase in the form describing my child's health condition.
Second
My child is currently 6 years old. Previously, I have no insurance issues on hospitalization because I and my family is covered under my company, a MNC in Kulim Hi-tech Park. The insurance under this MNC is Tokio Marine. As fas as I can remembered, Tokio Marine has no issues in providing insurance for my special child as they clearly informed me that congenital defect is not covered. Other than that, there is no problem. And yes, it is very true, whenever Adibah was admitted to Gleneagles Medical Center is Penang due to fever, Tokio Marine had never asked any question. It is fully covered.
However, I then changed job. I worked in SIRIM as a contract worker and thus, only me is covered under insurance and not my family. That is why I was looking for insurance coverage for my family.
And being a Muslim, I applied for Takaful Insurance as I strongly believed that it is my responsibility to support Takaful Insurance provider. However, having this result, I can't help feeling that my child, a orang kurang upaya being discriminate by a Takaful Insurance provider. That of course does not sounds good to the society.
Third
I applied for insurance for the whole family. Thus, when your company rejected my daughter's application, why I was not informed earlier, before you approved the other family members' application. Why do think that I am still interested with your company after such discrimination? Hence, I would like to cancel all the other insurance policy and get my money back. And along the process, me and my other family members should still be under your coverage.
Should the details that had been submitted to you on my child's condition is not sufficient for you to make decision on the application, why in the first place you did not come back to me and request for more informations. I have a medical report from Pakar Perunding Pediatrik in GH Penang saying that other than deaf-blind, my child does not have any other health issues or difficulties.
This situation is totally unacceptable and hence, as a customer please attend to my request, as stated above immediately.
Regards,
Rahayu
Are they referring to my child deaf-blindness? She is not eligible to obtain the medical card because of her deaf-blindness? What were they thinking? That they will facing a big loss because Adibah will regularly admitted to the hospital because of her deaf-blindness. I couldn't believed this is happening. She is having that deaf-blindness since born. It is a congenital defect, a god's gift. And I totally understood that congenital defects is not covered. I'm not that stupid. They can easily explained to me in a very simple manner.
But no, they did not. They straight away rejected her application. Thus, I wrote a letter of complaint and emailed it this morning. I can always keep quite and pretend this never happened and just go to other insurance service provider but it hurts me more. I am certain that what is done by this insurance company, is not a correct and is not the right thing. Especially when you are promoting an Insurance scheme under the name of Takaful, under the brand of Islam and then you refuse to assist a multiple disable kid and rejected her straight away with no further question ask? Hah.....this is so absurd....
From: RAHAYU BINTI RAZAK
Sent: Mon 3/7/2011 9:40 AM
To: ikhlascare@takaful-ikhlas.com.my
Subject: A letter of complaint
Salam.
My name is Rahayu Razak. The purpose of writing this email is to express my disapointment and hence request for action to be taken by Takaful Ikhlas Sdn Bhd.
Early this year, I applied for Takaful Insurance Coverage for my family, including my special child Nurul Adibah Md Ashraf. Last week, I received a letter dated 11 Feb 2011, received by my agent on 23 Feb 2011. The application for Nurul Adibah Md Ashraf (application number - HS1181081) is rejected with the reason written in the letter - Permohonan ditolak kerana keadaaan kesihatan peserta. I am so disapointted with this decision. And I do not understand why is the insurance application rejected because of my child health condition.
First
I wondered how do your company decide on my child's health condition without seeing the medical report. Together with the application, I only submitted Borang pendaftaran dan cadangan penempatan kanak-kanak keperluan khas (0-18 tahun). And in this form it is only stated that my child is having a profound hearing impairment and blind. In other words, my child is deaf-blind.
And the diagnose in the 2nd page written Learning Disorder with Visual impairment. There is no any phrase in the form describing my child's health condition.
Second
My child is currently 6 years old. Previously, I have no insurance issues on hospitalization because I and my family is covered under my company, a MNC in Kulim Hi-tech Park. The insurance under this MNC is Tokio Marine. As fas as I can remembered, Tokio Marine has no issues in providing insurance for my special child as they clearly informed me that congenital defect is not covered. Other than that, there is no problem. And yes, it is very true, whenever Adibah was admitted to Gleneagles Medical Center is Penang due to fever, Tokio Marine had never asked any question. It is fully covered.
However, I then changed job. I worked in SIRIM as a contract worker and thus, only me is covered under insurance and not my family. That is why I was looking for insurance coverage for my family.
And being a Muslim, I applied for Takaful Insurance as I strongly believed that it is my responsibility to support Takaful Insurance provider. However, having this result, I can't help feeling that my child, a orang kurang upaya being discriminate by a Takaful Insurance provider. That of course does not sounds good to the society.
Third
I applied for insurance for the whole family. Thus, when your company rejected my daughter's application, why I was not informed earlier, before you approved the other family members' application. Why do think that I am still interested with your company after such discrimination? Hence, I would like to cancel all the other insurance policy and get my money back. And along the process, me and my other family members should still be under your coverage.
Should the details that had been submitted to you on my child's condition is not sufficient for you to make decision on the application, why in the first place you did not come back to me and request for more informations. I have a medical report from Pakar Perunding Pediatrik in GH Penang saying that other than deaf-blind, my child does not have any other health issues or difficulties.
This situation is totally unacceptable and hence, as a customer please attend to my request, as stated above immediately.
Regards,
Rahayu
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