Prudential and ING .....

Make sure you are super healthy if you want to be insured.  Bare in mind, there is no diplomacy and no heart when you deal with insurance company.  They may advertised as though they care and understand but the reality is just the opposite.  I am not quoting other people's experienced but mine.

After months of trying to put this issue out to public (without prejudice just want to share facts) and series of writing to numerous newspaper companies, finally Utusan published my story in the Forum column. 

http://www.utusan.com.my/utusan/Forum/20130712/fo_02/Syarikat-insurans-indah-khabar-dari-rupa

Hospital Umra

Hmmm not sure whether I am too demanding or over sensitive but I get annoyed when the doctor treat me badly....

My little Zafri ntah macam mana kena cirit for the past 2 days... kesian sangat tengok bum bum dia... then we decided to take him to DEMC.... unfortunately on the way it was such a massive traffic jam.  So we thought, why dont we just go to Umra.  Sampai sana, met this Dr. Jessy.  I greet her.  She just nod no smile. Ok...fine. Then as I was explaining to her she just give me a serious face.  Ok fine... then dia nak check Zafri.  Zafri tak duduk diam (as always)...then she gave me this agitated face...and mendengus.  Hmmmmmmmmmmmm..... pantang tok nenek lah kan... lain kali kalau tak nak jadi doctor..jgn jadi doctor... i know it is tiring to be a doctor... to be a stay at home mum pon penat ok!!

Then she said something like "hold him nicely"... very stern.  That does it.  I asked her "why you look so angry?!! If you don't want to treat him, I don't want you either".  Hah kan kena sebijik.  Seriously, what is her problem.  Then she said "no i am not angry".. i said "yes you look angry the way you talk all very angry".... lepas tu boleh pulak cakap elok2 and a lil smile on her face.

I am telling you....  doctors need TLC!  A good doctor took half of the pain away without medication tau.

Speaking of hospital... as at now, DEMC still the best service hospital.  The moment you step in, from the bellboy (yess they do have a bellboy) up to the doctors (by far that i've met).... seriously superb.  Very tactful.

Once, just after gave birth, I had to take my twins to the hospital... the MO noticed that i just gave birth, straight away call for a wheel chair for me.  Banyaklah kelebihan DEMC.... i am so far very pleased with the team there.

Anyway, hopefully Dr.Jessy will learn from today's incidence.  How you react and your facial expression is very important.

hmmm my bambam.... luckily he is as cheerful as ever.... cepat sihat yer sayang.... mama sayang anak mama.... errr... mama sayang spiderboys mama hehehehe muaaahhhh

JUSTICE FOR CLEFT BABIES!!

I received an email from ING with regards to Zarif's declined application.  This is the email :- "Case was reviewed when we received email from *************. Regret to inform that we are unable to consider HS plan to the life insured who is only 8 months old with palate lip repair surgery done in June 2012. Cleft lip may increase risk for upper respiratory tract disorder, speech defects, hearing impairment and infection of middle ear. The risk for HS plan is very high at current stage. Client with cleft lip/palate may need a revision surgery at a later age depends of the recovery." And my reply:- Dear ****, Kindly inform your underwriter or whoever that sent you this email to get their FACTS correct. 1.  Zarif did NOT had any palate repair surgery.  Kindly ask your underwriter to search in the dictionary what palate is and what lip is. 2.  All the risk stated are for Cleft LIP AND PALATE, whereby Zarif only has cleft lip problem.  Do browse http://www.clapam.org.my/ to know more about cleft.  Whatever it is, I thought anything related to Cleft would be excluded from the policy?  Why suddenly this came out as an issue? My child will forever be a cleft lip baby regardless of what age he will be later.  As such the deferment proposal proposed by ING will never be applicable to him as it will forever be deferred.   I guess ING would have their facts correct if ever ING get the medical report of Zarif.  However, ING was just too proud to even request for it and I shall and will not grant any permission whatsoever after this, for the fact that ING is not interested at the first place. *****, I really appreciate your cooperation and understanding in handling this matter.  However, I am sorry to inform you that my husband and I have decided to withdraw for Zafri's proposal too.  Both Kamal and I feel very offended how Zarif's case being treated at the first place by ING.  Kindly do the refund accordingly.  I guess I will have to find other insurance company that would be interested to insure Zarif or at least be fair to him.  Thank you once again for your time and effort.  Puan Zuraini - CLAPAM, For your kind info.  I take into heart how this being handled by ING.  Regards, Baizura

OFFENDED!!!!

Well well well..... I seriously feel so offended with ING Insurance.  I am applying for my twins insurance with them.  ING defer Zarif's application until he reach 1 year old.  Defer is the most polite way of saying my current application has been declined.

Reason :-

1. verbally said because he had a surgery at a very young age.  Any cleft babies would be advised for a surgery as young as 3 months old (I think ING need to read through or study what Cleft is all about).  

Facts :-

1. the application has been declined without granting any medical report from the surgeon nor the hospital.  
2. Cleft lip repair is not a life threatening disease.
3. I have agreed for an exclusion for anything related to his cleft lip repair.

Offend :-

1. they offer a deferment proposal and a form for me to sign to agree on Life Insurance Policy since Zarif is not eligible for the medical card.  What kind of mother do they think I am???  Want to be benefited after??  I want an insurance coverage for my son for his presence!  How insensitive!!
2. they forward an authorization form for medical report - NOW?? After they have declined??
3. ING is one of the biggest sponsor for CLAPAM... and I seriously do not expect this from them.

IF they were to decline based on any medical report or requesting me for a higher premium, I would understand.  But to decline at the first submission...(oooopsss defer as they put it) is totally offensive.  At the age of 1, Zarif will still be a cleft baby and had his surgery at age 3 months old!

Justice for all the cleft babies out there!! They deserved to be insured too!!

Thank you....

I noticed, I have readers.... from US, UK and even Ukraine..... 

From the very bottom of my heart, Thank you!! 

I hope this blog could help you in any situation.  

Thank you once again.

Recovery - after surgery

YOU ARE SUCH A STRONG BOY SAYANG!

We stayed for 2 nights and we can't wait to go home.  We miss Zafri so much.  Mama was telling that Zafri was so restless.... 

After 4 days, the doctor took the plaster off.... didn't get to see his smile yet.  But not long after... he started smiling again...  Syukur sangat pada Allah swt.....  The recover period for baby is faster.... thank God for that.  

Moral of the story, keep calm.

We still take Zarif for his follow up check up with the Plastic Surgeon and Dental.  For now, we apply the Vitamin E oil to his scar...  

Handling the Two...

Ishhh dah lama tak update blog... I've been super busy.... with maid problem and catching up with the twins... i find myself had no time to write...sigh ;p

Well..... both Zafri and Zarif are super duper hyper!! They turn the house upside down... ni belum ada kaki lagi.... Zafri turn for the first time on 7th September and Zarif on the 22nd September.  Cepat betul masa berlalu... sekarang ni dah tumbuh gigi... Zarif punya 1st gigi keluar on 6th November and Zafri 16th November.

Though I am eager to see them teething, I am also nervous with Zarif's development.  Hmmmm I've forgotten the terms the doctor used on his cleft... besides cleft lip there is something else...where there is a small gap at his gum.  That is just a small issue, yet enough to make me nervous.  I am still very thankful of whatever his condition is....

Taking care of the twins alone by myself was a great challenge.... sangat2 menguji kesabaran... at a time, I just sat inside the toilet crying.  For no reason.  There are some good days and some bad days where they get very grumpy.  Or I was just too tired already that a little cry can annoys me big time.  Sometime I just wished I have a remote control that I can press STOP while they cries and press a laughing button instead.

Well of course...that was tooooo ambitious of me hehehe.....

Zarif will be going for his check up every 6 months with PPUM, both dental and plastic surgeon.  Which is good.  So that they can monitor his progress.  My aim for the future, to get both of them involve in any activities organized by CLAPAM.  YES...both of them together.  I do not one any of them feel left out or different unnecessarily.  They are brothers.... and we are family... family do things together.

Earlier, I was complaining about the crying right?  Today, I watched a talk show - Primadona at Astro, the issues about mothers.  One of their guest was this young mother.  Her baby, Ahmad Adam Syukri, suffer from Brain Damage HIE.... Ya Allah, besarnya dugaan dia.  One thing that she said in the show that really slap me on my face..... She is longing to hear Adam's voice or cry... Adam is 8 months old just the same age with my twins.  So, I should be very very grateful to see the progress of my babies and I pray for baby Adam, sihat lah sayang.....

Kita tak tahu apa ketentuannya... at the time when I feel God is testing me too much, I have to be positive about life and kept myself strong.

Till then, keep searching for the lights.... though it is far far away.