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kalau sesapa nak quotation boleh bagi details ye

Salam, kalau sesapa nak quotation boleh bagi details ye. Takaful bukanlah jaminan kesihatan, tapi mengelakkan kita mnggunakan simpanan untu...

Thursday, October 3, 2013

Kes Tengkok Aaron Aziz senget : Dalam kaca mata Takaful lady


Heboh satu Malaysia biler hero nie masuk spital pasal leher senget atau dalam bahasa sicentifiknya "Cervical Facet Arthritis". Ya.. hero nie masuk prince court.. pasal dier pelakon yg popular dan dapat endorsement saner sini maka bolehlah dier mendapat rawatan yg terbaek. tapi.. kita..?? Nak kater dari golongan pertengahan tak layak langsung. Pasal mengikut penerangan menteri di malaysia nie golongan pertengahan aderlah merujuk pada orang melayu yg boleh naik Mercedez-Benz (fuyyyooo!!!), ada rumah banglo, mempunyai harta yang ader RM2-RM3 juta (wallaweehhh!!) . So.. pandai pandailah korang nak kategorikan diri-sendiri dalam kategori apa.


So, moral of story dah tahu kiter nie mungkin bukan dalam golongan pertengahan mahupun elit (jauh sekali), maka cepat-cepatlah apply medikal kad n life protection.

Aku tak nak citer pasal gossip mossip nie.. just nak bagi penerangan sikit pasal sakit radang sendi nie atau artritis. Dari kaca mata seorang yg hanya penjual takaful nie.. aderkah client akan dilindungi oleh Takaful? 

Ya, jika client tue sudah mencarum pada Takaful melebihi 4 bulan. Kenapa 4 bulan? Kerna 4 bulan adalah tempoh bertenang untuk medikal kad. Konsep nie digunakan oleh mana2 takaful operator.

Akan tetapi, jika penyakit sendi nie memang dah ader dalam diri sindiri yg mana kita sendiri pun tak tahu , tapi baru jer detect by Dr. So, adakah Takaful cover? TIDAK. Dalam Non disclosure pun ader mention yang mana existing illness TAK COVER. TAPI, ini tidak adil bagi pihak client sendiri kerna memang mereka TIDAK TAHU akan pre existing illness nie. Ok.. menurut claim department, jika perkara ini berlaku maka panjanglah citernya. Investigation dari pihak Takaful akan dijalankan. Apa yg pihak takaful mintak adalah:-

1. Medical Report dari Dr yg merawat
2. Regular Dr yg client selalu jumpa
3. Mendapatkan kenyataan dari client (kaji selidik)
4. Mendapatkan kenyataan dari majikan (kaji selidik), berapa kali client nie MC due to this illness (penyakit yg sama).

Berapa lamer lah investigation nie? It's depend case by case basis. Ader yg cepat dan ader yg lambat. So memang ambik masa bebulan. Maka, client kena pay n claim dulu.

Apa tue Cervical Facet Arthritis?



Diagnosis:  Patients with cervical facet arthritis will complain of pain in the neck that can also be felt in the back of the head, shoulder or arm.  The pain is usually worse with neck movement. In the lumbar spine, facet arthritis causes low back, hip and thigh pain.   The pain is usually aggravated by extension or bending backwards.  When the doctor examines the patient, he or she will find tender muscles overlying the lumbar or cervical facets. The diagnosis can be confirmed with plain X-rays and CT scan studies.

Treatment:   In the event of a sudden flare up, bed rest, ice over the painful area and anti- inflammatory agents such as aspirin or Motrin will usually bring relief.   Sometimes a sudden flare-up can also cause muscle spasms. In this case, the doctor can prescribe muscle relaxants in addition to the anti-inflammatory agents.  Once the situation is stabilized, a cautious increase in activity can begin.  Over a period of a few weeks, most flare-ups will resolve without invasive treatment. If a significant amount of pain remains, the patient can be treated with physical therapy using ultrasound, back exercises, traction and soft tissue mobilization or massage. If physical therapy does not completely resolve the discomfort, the patient can be referred to a specialist for local injections into the inflamed joints.  Under X-ray, these joints can be injected with a powerful anti-inflammatory drug, usually bringing relief within 48 hours. The X-ray procedures are customarily performed under light intravenous sedation with drugs like Valium so that the patient is comfortable during the procedure.

Prevention: Preventing flare-ups is essential.
The most critical factor in cervical facet arthritis is sleep position.  It is best to use a firm non-feather pillow that keeps the neck in good alignment with the rest of the spine while sleeping.  If you routinely sleep on your back, use a fairly narrow pillow that does not bring your head too far forward, but once again, keeps it in good alignment.
In preventing back injuries, be careful bending, lifting and twisting.  Ideally, patients with low back problems should attend “back school” offered by a physical therapy department in order to learn how to take proper care of the back.
Proper strength training.
Proper flexibility training. 

credit to: michiganpain.com

mardiyah79@gmail.com

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