Wednesday, February 25, 2009

Snippets 生活花絮

A week ago, received a call from Sr. Theresa Chew asking for telephone number of the doctor who had treated my wife's Trigger Finger. She read about my wife's successful surgery from my Blog and wanted to recommend her two fellow sister Nuns from Kluang who have the same condition for treatment. (see January Blog posting)

Two days later, Sr. Theresa called again to inform that the two sisters have successful treated by the same doctor at the Tung Shin Hospital. One of the sisters who had done an operation before on one of her fingers, has her two fingers treated this time and was amazed by this revolutionary and simple procedure.

To their surprise too, the doctor waived his professional fee of RM200.00 each (totaled RM400.00), but just the nominal hospital charges of about RM 75.00 only. They met a kind and generous doctor!

With thanks in their hearts, they left for Kluang on the same day few hours after the surgery.

I understood the Rev. Sisters have to do their own house chores, including cleaning and washing. These were the most probable cause of their Trigger Fingers. So they came with Trigger Fingers, returned with Happy Fingers. But always remember, not to be too trigger happy fingers --- take it easier with your mopping and cleaning!

Talking about house chores, we are better off with a housemaid to do for us. My maid has no "trigger fingers" but other condition.

I wanted to highlight not her medical condition but the importance of insurance cover for the maid.

Recently she has a gynecological condition and warranted urgent specialist attention. If we sent her to Government hospital, she may have to wait for a long time, or even not getting any treatment at all. So with the maid's consent, my wife brought her to see a gynecologist for treatment that cost more than a thousand Ringgit. The maid was aware and agreed of the cost which she may have to bear all. But we were considering whether to bear the full or part of the cost in view of our maid's low wages.

A few days after the treatment, my wife remembered that we have taken up an insurance policy (optional) for the maid against sickness (?!) and accident. She was not sure whether it covered this gyne condition and the treatment, so she called up the insurance company to enquire. She was advised by a friendly staff to submit claim forms and relevant documents for consideration.

Two weeks after submission, my wife was informed by the insurance company that the claim has been approved and payment was ready.

Insurance cover is very important for us but also for the housemaid too. For peace of mind, the less than hundred Ringgit annual premium is worth it.


大约一个星期前,周丽娜修女来电查问医治我太太“扳机手指”的医生的电话号码。她从我的部落格上看到我太太成功治好这个状况的帖子,所以她要介绍两位有着同样状况,在居銮的同修会修女,到吉隆坡来治疗。(参看正月旧贴子)

两天后,修女再次来电,告诉我她的两位修女姐妹,已经成功的接受了这位医生的治疗,他们的“扳机手指”问题解决了。其中一位修女本身是位护士,一支手指也曾因同样问题,而动过手术治疗。这次她是两根手指有问题,所以感到很惊讶这么简单及革新的治疗手法,就能把需动手术的问题解决掉。

更惊奇的是,这位医生看她们是修女,过得是奉献生活,慷慨的免收他的专业手术费(每人两百元,共四百元),而只是收取医院大约七十五元的费用而已。

怀着感恩及感谢的心情,他们在同一天,治疗程序过后几个小时,回返居銮。

据我所知,修女们都必须自己去亲身做打扫 、清洗等家务,这些都是形成“扳机手指”的可能因素。这次修女们带着“扳机手指”前来,带着“快乐手指”回去,我希望他们以后不要太“随意手指”做家务 - 抹 、扫、洗都要小心!

说到家务,我们比较轻松,因为有佣人代做。我的佣人没有扳机手指,但却有其他的医药状况。

我不是要谈她的医药状况,但是要强调购买保险的重要。

最近我的佣人健康出现问题,得了一种妇女病况,需要马上给予医药治疗。假如我们送她进政府医院,她不只要等很久,还可能不会没得到所需的治疗。在她的答应下,太太把她带起一家私人妇科医疗所寻求治疗,费用将超过整千元。佣人事先知道,并也答应可能要负起所需的医药费用。因为她的低收入,我们也在考虑是否要承担全部或部分的费用。

几天后,太太才记起有为佣人购买医药及意外保险(选择性),但不知道她现在的情形是否在保险范围之内,太太就马上拨电话到该保险公司询问。该公司一位很愿助人的员工指导太太填妥索偿表格及有关所需文件,如医药报告等,呈交上去,让保险公司考虑赔偿决定。

两个星期后,太太被通知索偿已被批准,偿额支票也已准备好了。

保险不只对我们重要,对外来的佣人也是重要。不到一百元的年保费,换来心安理得,何乐而不为之!

2 comments:

Ngu said...

年青时对保险很反感,一则对保险不了解 ,二则我遇到的保险招揽员讲解缺乏技巧,开口伤了赔多少,闭口死了赔多少之类不中听的话。

后来总算弄清楚买保险是怎么一回事了,就对它有好感,买了好几单(有的因亲友的关系)。现在我虽然不是保险售卖人,但有机会总会劝人买保险。

Simon Phun said...

是的,不是保险不会,是保险招徕员素质不好。以前的更糟糕。不过现在的都有受过专业训练,会比较专业些。

我家的财物也有保险,所以出门不拍入贼。一次家中电器给闪电破坏,因有保险,电视机,Astro,风扇,电脑修理都由保险赔偿。。。全部换新,没亏。保费也不多(看你的保的价值,也是一两百元而已)

买保险最重要找个“有料”的代理,保险买的对,索偿也快。

是的,我也是常常讲解,特别是刚成家的年轻人,保险的重要。