Kyspeaks.com

Malaysian Food Blog, Travel, Diving & More

A couple months ago when I was on the futsal pitch:

The ball was on my left leg, and I passed it to the right, I did a bit of a side step, got passed one defender. Now facing the goal keeper who was charging ahead of me, I fired the ball with my right leg, it went.. straight to his knee and bounced right back …. INTO MY LEFT EYE.

It hurt like crap, I think my head was spinning a little bit. The game went on, I substituted myself out, and immediately noticed something wrong. The vision out of the left eye was blurred in a way that was almost but not quite like having a faulty air conditioner in your car during heavy downpour resulting in a fogged wind shield.

KY & cheesie at Tun Hussien Onn National Eye Hospital

My vision was fine the next day, but by night time the foggy condition came back. It was actually quite scary, so I did what everyone suggested (mostly over Twitter, follow me @kyspeaks if you haven’t). I went to the Tun Hussien Onn National Eye Hospital to get it looked at.

Among the well wishers and people who showed concern, there were quite a lot of people who joked about the injury (it’s all good, I would do the same, making fun of other’s misery is one of the greatest joys in life).

A few days later, Cheesie developed this red scar thing on one of her eyes, so I took her to the same hospital to get it looked at. The doctor said it was an allergic reaction to the colored contact lenses, she said it was the karma from laughing at me. I kinda agreed with her, hehe.

After a few weeks of putting eye drops and a return to visit the good doctor, my eyes are feeling good now. Thank goodness it wasn’t something serious.

I have a health insurance policy, so at least I didn’t feel too stressed about being able to pay the medical bill, but this incident made me realized the importance of being covered should anything more dramatic found it’s way to me (touch wood).

pruBSN_ncb

Coincidentally, PruBSN engaged me for this advertorial just right after this incident.

The product is called PruBSN Takaful Health.

To be honest, before this, I had no idea what takaful meant. I’ve seen them on highway billboards, and maybe even on newspaper, but the only thing I knew was that this has something to do with being consistent with the Islamic believes.

So I read up on what this is all about and found out a few things about Takaful, especially PruBSN Takaful Health

  • It is available for everyone, not just Muslims
  • It is based on the principles of  Shariah instead of conventional insurance
  • It involves participants reaching a common agreement to guarantee each other against defined loss of damage by contributing Tabarru’ (donation) to the Takaful fund
  • Main objective at the end is still similar – to provide protection

One other thing that makes PruBSN stands out is their NCB (no claim bonus) feature. The graphic above demonstrates a 30 year old male certificate holder with a Takaful Health TH200 plan who pays an annual contribution of RM 1,032 being able to get RM 300 in NCB if he did not make any claims the year before. Pretty neat huh?

Get yourself covered. For more, check out PruBSN’s website.

Discuss : Eye injury and this takaful thing

  1. OH MY MY RED EYE!!!!! ARGH!!!

    (matches my top wtf)

  2. Cheesie,
    Hahahah yes! matching sial

  3. wah lucky… else u will be blind by now.

  4. myhorng,
    Dangerous man, dangerous!

  5. my eye itchy now cos of the fake lashes..
    fml kenot scratch properly

  6. JaCJaC,
    Don’t scratch!

  7. You just felt what most boxer felt when they got hit by opponent in the face…

    Don’t stress your eyes too much oh! Take care.

  8. Hope your eye is all fine now. lucky I didn’t make fun of you. i don’t want bad karma!

  9. It’s good to know that the eye is ok. Because it’s one of the best sense that we have.

  10. hi ky, which insurance policy u bought? i thought only if ur hospitalized for at least 1 night then only u can make pre-hospitalization claims. pls advice. tks

  11. hey.. just wondering.. you know any prudential insurance agents?

  12. Reiko,
    LoL that’ll be quite tragic, I’m never gonna be a boxer

    eiling,
    Hehehe yeh, good job!

    JD,
    Thanks, very true. :)

    chris,
    I have to check with my agent. :S

    Jac,
    Yes, mine is a friend from Penang. :)

  13. dun play ball liao..

    Nikel Khor

  14. foodcrazee

    ouch! both blogs – u and HB talk abt PRU plan . .damn coincidence u got a BLACK EYE!

  15. nikel,
    Hahah must play!

    foodcrazee,
    hehahah advertorial bah

  16. i remember this nao!! ok i need to check my ai also!!

  17. Haze Long,
    Do it! :D

  18. cumidanciki,
    :D thanks

  19. hi all,

    I’m a Pru agent, just to answer the question by crhis. The eye injury would fall under Emergency Accidental Treatment. It is part of the medical insurance benefit for accidental injuries, thus hospitalisation is not required.

    Pre-Hospitalisation is the treatment, diagnosis or investigation done 30 days before the actual surgery/hospitalisation.

    Hope this helps to clarify. Thanks

  20. Chico,
    Thanks for the clarification!

  21. thanks guys!

  22. No problemo! Always listening, Always Understanding..etc etc:)

    Just a tip, for injuries like this, better to claim from (if you have) your company benefit or a Personal Accident plan benefit. This is so that you don’t lose out on the No Claim Bonus thingy under PruHealth or TakafulHealth.

    Save the bonus for *touch wood* more serious stuff!

    cheers:)

  23. chris,
    :D

    Chico,
    Thanks again. ;)

Leave me a comment

Hi, I'm and my email is . Please link my name back to my website .

Current ye@r *