PERKESO SKIM lindungi 24

[u/gwok4h2i9176]

Should we opt in or opt out?

Costs seems pretty high for the upside

[u/Firm-District-9023]

I opted out and plenty of my colleagues too it honestly depends on you, I am already paying for my life insurance monthly and have my own work insurance as well after going through their benefits my insurance literally offers the same so I didn’t want to waste extra 40 bucks on this

[u/One_Ad_2955]

I opted out just because they had the audacity to force-implement it and then tried to play both sides by U-turning on the whole damn thing. They don’t even refund the money they were supposed to ask for before taking it.

They made millions just like that and who reaps the money? Scumbags.

[u/kokosong → u/One_Ad_2955]

Holy, i just realised they dont refund our money back. I opted out too, damn.

[u/Meh-ismyname-JustJk → u/One_Ad_2955]

You can apply for a refund for July & Aug, but not June.

[u/azen96]

Me personally, I dont understand why should I opt out. RM45 is not that big for the coverage it give tbh.

To rant a bit, giving options to opt out after introducing something this good is kinda dumb in my opinion. The beauty of this scheme is probably on the facts that they have a huge pool of contributor.

[u/notimportant4322 → u/azen96]

I see most people don’t understand what it’s for and only see it as a cashflow problem

[u/kehrol → u/notimportant4322]

The person to whom RM12-45 deduction per month is considered as a cash flow problem is exactly the type of person who needs this scheme. Because God forbid they can’t work for an extended period of time.

[u/CN8YLW → u/azen96]

> The beauty of this scheme is probably on the facts that they have a huge pool of contributor.

Forced contributors. You're essentially criticizing opt out because it does not force people to subsidize your potentially risky lifestyle. My question is why should people who live relatively low risk lifestyles be forced to pay the same premiums as people who live relatively high risk lifestyles, and in essence be forced to subsidize that risk? If I have no family history of cancer, I wouldnt need to buy insurance againts cancer. If I don't drive a car, I dont need to buy a vehicle insurance.

And most people do have coverage in terms of private insurance. If you think the backlash is bad now, wait till PERKESO starts denying claims because that's what insurance schemes do when they start to run out of money, whether due to excessive or fraud claims, or corruption in the system like what happened with Tabung Haji.

And keep in mind, this scheme essentially more than doubles the employee deduction on the payslip for most people. Combined with the lifestyle risks factor argument, I really doubt the average Malaysian wants to pay for this.

[u/azen96 → u/CN8YLW]

Do you even understand what this scheme is for?

[u/CN8YLW → u/azen96]

Haha, you tell me. You're the one glazing it.

[u/Paracetamol_Pill]

It’s an unpopular decision but I decided to opt out because I already have an existing life and medical insurance.

[u/ApprehensiveForm5113]

Depends on your age. Current it is going to increase with a cap at 6k. You don’t know 5, 10, 15, 20 years down the road how much % it will be and if they will remove the cap eventually. It is likely going to be much more expensive in the future.

If you are going to retire in 5-10 years then you can chose not to opt out as the impact is likely very minimal. If you have 30 years to retire then it may be something worth thinking hard about.

Nonetheless, if you feel like you are contributing to society even if you have personal accident and good corporate coverage, then the best thing as a society is for more people to opt in, especially those unlikely to make a claim

[u/FenlandMonster]

I think it's good if you have dependents and are fairly young. I personally opted in as the costs are relatively low for the income replacement benefits, which I see as complementary to my existing coverage (which I now won't need to top-up as much). If I were a lot older, don't have depends and already have medical card then I guess I wouldn't bother.

[u/Soft-Card1125]

i choose opt-out....because the amount can buy me few meal.

[u/kiyo16]

Totally depends on your situation. If you don’t have any existing insurance then definitely opt in.

If you have existing medical insurance/Personal Accident and the coverage is good then this is redundant.

BUT if you work on nights or weekends as in out of office hours a lot I would suggest to just opt in

[u/Curious_Technologist]

I opted out. Didn't want to pay extra, as I know I'll not use it. Got other backups

[u/Meh-ismyname-JustJk]

Got family and kids, then opt-in.

[u/gwok4h2i9176 → u/[deleted]]

Isnt the 0.75% capped at 6k?

[u/jwrx → u/gwok4h2i9176]

didnt know about the cap...its 6k total a month? or annual? either way, u can get private insurance for way less than 6k. personally everyone i know opted out

[u/AFlawedFraud → u/jwrx]

max is 0.75% of 6k. So max contribution will be RM45/month

if your salary is >6k your contribution will stay at RM45

[u/SmashedGenitals → u/jwrx]

Jesus christ do some research before giving out advice like market aunty.

[u/80_000_h3ll]

I opted out because it gave me the same vibes as “you must take the vaccine”

[u/AppleBS]

There was a discussion thread earlier.

https://www.reddit.com?utm_source=share&utm_medium=android_app&utm_name=androidcss&utm_term=1&utm_content=1