well basically its an element of a medical insurance.. Sebelum wujudnya medical card, syarikat insurance mungkin ada hospitalization benefit.. Yang ni biasanya.. you can claim after you get admitted.. you have to pay the total bill to the hospital first, keep the receipt, get a medical report from the doctor then file a claim.. The process could take a while.. maybe dah abih bergolok bergadai bayar bil.. pastu tunggu la report.. then baru dapat duit..

with a medical card, you just have to pay the deposit (usually very minimal) to the hospital and get admitted. medical report will be submitted by the hospital directly to the insurance company. the hospital will claim the payment from the insurance company.. depends on the plan of the medical card, some pays all the bill but some require the policyholder to pay the co-insurance amount.. after that balik la rumah rehat2..

If you already have a medical card.. its good that you know what it covers and make sure you have the panel hospital listing.. make sure you know how much is the coinsurance amount and whether you'll be penalize if you stay in a room that cost higher than the allowable amount..

I will always encourage people to take up a plan that includes a medical card.. you'll never know when you're going to need it.. especially if you're so used in getting treatment at a private hospital.. how would you imagine yourself to be old and have to queue to get admitted to HKL... I'm not saying that HKL is not good.. It is so good.. well equipped.. excellent doctors.. but HKL is for those who cant really afford to take up an insurance.. HKL tu dah terlalu ramai.. takyah la kita meramaikannya..

today, patutnya ada 7 candidate untuk my PA datang interview.. hampeh sekor pun tak muncul.. can you imagine that? 2 of them informed me they're not coming.. yang lelain tu hilang camtu je.. Sometimes when people keep on saying now ni susah nak dapat keje.. saya macam antara pecaya ngan tidak..

i think.. problem some of them ni.. attitude la.. please la bila angkat phone dari unknown number tu, cakap la hello ngan selembutnye.. ni tak.. cakap macam nak marah pun ada.. ada pulak yang tengah drive die main suruh je saya call balik.. cara cakap tu tak kena la.. what makes you think an employer will call you over and over again? ada jugak yang reject my interview because they said office jauh ngan rumah.. abih tu masa apply tak nampak ke address yang dah state dalam iklan tu? ada jugak yang sms je tanya job tu dah diisi ke belum.. they actually expect me to reply the sms? ayohh.. ada jugak yang saya call nak panggil interview die tak angkat pastu bagi 3 miss call at 10.30pm.. apahal?? memang la dia tatau who i am kot.. tapi.. ish.. ntah..

satu lagi resume diorang.. banyak typo and also grammar error.. kesian pun ada gak.. tapi now english is essential.. kalau tak pandai maths or physics or science tapi english okay.. i think lagi senang nak dapat keje..

I was at the Curve siang tadi.. went for late lunch with my Sayang and Jadd.. Setelah penat merayap dan mengejar Jadd, kitorang pun balik.. I went to pay the parking ticket at the autopay machine, my sayang and Jadd tunggu dalam kete..

terlambat sesaat, ada this one guy datang dulu and nak bayar parking.. budak remaja je.. berseluar jeans dan bertopi ala2 hip hop.. memula die macam dok confuse mana nak masukkan tiket (dia nak jokok kat tempat masuk duit kertas).. saya tolong la bagi tau kat mana.. pastu kuarla kat sreen RM3.. pastu die dok jolok note RM10.. machine tu tanak.. due tiga kali die try.. die pun dok mumble yang nak bagi saya dgr la tu.. "Eh tak boleh la.. kenapa eh?" pastu saya ternampak sign yang RM10 memang tak leh guna.. saya pun bagi tau die.. die cam dok "alamak cemana ni?, saya ada 2 inggit je" (die ada 2 keping je duit singgit), pastu die dok pusing ke arah saya dok tanya "ada singgit tak? ada singgit tak?" sambil dok masuk kan 2 keping duit singgit die tu.. saya tanya "syiling tader?" die jawab "syiling tader, ada singgit tak?" saya jawab "ada, tapi ni untuk saya la" die kata "abih tu cemana ni dah masukkan dah 2 ringgit?" saya jawab "tekan la cancel, kena gi tukar duit la nak buat cemana lagi".. last last die tekan cancel and blah dari situ..

my point of the story.. saya sangat tak paham apa yang mamat ni pikir.. to my point of view.. terasa macam die nak pau my singgit je.. sebab if i were in his shoe, i would straight away gi cari tempat nak tukar duit bila nampak sign yang RM10 note takleh guna.. I wont toleh blakang and mintak the next person a dollar.. sungguh selamba budak itu.. or die adalah remaja yang naive yang takleh pikir the solution.. die terasa cam.. abih la aku tak kuar dari parking ni.. plus i dont think die datang situ sorang2... die sangat nampak macam paling tua pun budak Kolej yang for sure datang Curve bersama rakan2 and bukan drive sensorang.. boleh je die gi pau member die instead of me kan?

sebenarnye masa tu i do have extra duit singgit but not enough to exchange with his RM10 tapi since i dont like the way he's been asking me for the money i just said i dont have any.. plus he has other option than to ask a stranger standing behind him.. terasa cam kejam plak lepas tu.. terasa cam apa lah salahnye sedekah je singgit tu.. budak tu melayu gak.. tapi masa tu memang terasa cam "Eh, you expect me to just give you a ringgit?" i dunno if he would if he's me.. maybe he would kalo tak takkan die berani nak mintak..

apa apa je lah.. sorry kid..

I'm looking for a Personal Assistant (PA). Qualification is not necessary but preferred. The candidate must be familiar with Microsoft Word, Excel and Powerpoint. The candidate MUST be a person with attention to details, trustworthy, proactive and other good qualities. Adequate knowledge of English is required. The office is at Phileo Damansara, Petaling Jaya. I am open for Part time or Full time staff. Part time staff will work only half a day. If interested do call Naiza at 0193220375 for an interview or email your resume to naizaadnan@yahoo.com

I've been tagged by cpah some time ago.. terasa cam nak update something today..

#01 - Describe 10 things about the person who tagged you : iaitu CPAH

1. cpah adalah ku kenal sebab die kawan Imah.. Selalu berjumpa bila Cpah visit London.. pastu secara tak langsung berkawan juge.. Pegi Paris (huahua.. takleh lupa trip ni, tido kat busstand disneyland sebab miss last train to Paris) and ronda2 UK bersama.. mana kita pi lagi ek? York and bournemouth.. gi mana lagi yer?
2. cpah adalah sangat active beractivity.. from what I see la.. memang boleh kata happenning la
3. cpah can be secretive.. i think.. sebab kekadang when u ask her something you didnt get a straight answer.. maye die secretive kat ai je kot.. hehe
4. cpah has been in and out of relationship with atuknye.. itu je yang saya tahu... detail tatau..
5. cpahnye ayam masak merah sedap.. or adakah itu ayam masak pedas yang ko masak masa aku gi tempat ko?
6. cpah suka muzik.. sangat up to date ngan lagu2.. and gossip artis gak kot..
7. cpah adalah bridesmaid saya.. untuk both my side and groom side.. sangat berterima kasih untukmu..
8. cpah suka donlod citer2 bersiri.. dan menontonnye
9. cpah suka sangat bershopping dan sentiasa terpengaruh dengan orang yang bershopping..
10. cpah is a great friend.. although kita jarang2 sekali lepak bersama.. tapi aku macam tau je perkembangan ko sebab aku selalu baca blog ko..

#02 - Now I have to describe 10 things about myself

1. dulu2 masa kecik saya suka gigit kuku jari.. jari tangan jari kaki.. abih sumer tak cantik.. tatau since bila habit tu stop.. maybe semenjak saya ada boipren kot.. cam malu kuku buruk..
2. saya tak photogenic.. kalo amik gambar candit tu muka adalah tersangat buruk.. ada setengah orang kalo amik gambar tengah tergelak besar ternganga pun lawa.. tapi saya kalo tengah muka biasa pun huduh.. membuatkan saya rasa.. saya memang tak pandai nak buat muka cun sepanjang masa..
3. kaki saya ada bunion.. since dulu2 lagi.. doctor kata sebab salah pakai kasut... tapi dedulu saya pakai kasut skolah atau kasut sukan je.. mana pakai heels langsung.. saya rasa ini genetic sebab mak saya pun ada... can be so painful sometimes.. huhu
4. saya paling malas gosok baju..
5. my bad cholestrol adalah borderline.. higher than normal.. tapi saya masih belum insaf.. cemana ni?
6. I was an athlete.. saya boleh lari laju.. tapi tak sehebat untuk wakil daerah atau negeri.. haha.. and note the word 'was'.. I'm not a runner anymore.. berat bontot.. haha
7. I love coffee.. but i like it black.. no creamer no milk.. just sugar.. and I like it hot..
8. saya suka benda yang remeh.. dulu saya suka main minesweeper, saya suka jigsaw puzzle yang beribu2 pieces nye, saya suka sudoku, saya suka buat cross-stich (tapi tak penah really buat sebab tak gi cari benang and such).. kesimpulannya saya suka buat benda yang perlukan attention to details.. it gives me great satisfaction to complete it.
9. saya sangat takut naik any types of rollercoaster.. ataupun ride2 yang melibatkan height and speed at the same time.. i guess extreme height with no walls agak scary (teringat masa panjat tangki air yang sangat tinggi, i cant even stand, hanya boleh mencangkung.. haha) and sitting in a fast car gives me goosebumps.. Tapi saya masih torture myself naik those rides sebab terasa rugi bayar kalau tak naik..
10. saya tak suka bela kucing atau apa2 saja binatang.. dan saya agak rimas bila ada neighbor yang bela kucing.. dan kucing tu datang berak or kencing or tido kat my house area.. tapi Jadd suka kucing.. huhu

I should tag 10 people.. but I chose not to.. sapa2 nak buat.. buat la yer.. interesting gak benda nih..

Its 11 pm. My sayang gi melepak. Jadd dah tido since 8pm. I'm trying to write a letter, like a new year's speech to my clients. But I dont know what to write. Wanted to put Prudential's achievement in 2008 but it has not been announced yet. I wanted to write a note, but it wont look nice to be printed on an A4 paper. I could cut the papers but it wont be neat. Now, I'm thinking I probably send the letter later after Prudential has announced it. Bila la diorang nak announce ni. Sangat berdebar!

Anyways. I havent think of my 2009 resolutions. I have to think about it soon. Right now, I think I need coffee..