Penjelasan ringkas dan telus mengenai deposit minimum RM 300 yang dipungut sebagai cagaran sementara untuk kemasukan pesakit menggunakan Surat Jaminan Insurans atau Takaful. 100% boleh dipulangkan.
Clear, transparent explanation of the minimum RM 300 deposit collected as temporary security for patient admissions using Insurance or Takaful Guarantee Letters. 100% refundable.
Kami menghargai ketelusan. Berikut adalah penjelasan terperinci mengenai deposit ini — dan apa yang ia bukan.
We value transparency. Below is a detailed explanation of what this deposit is — and what it is not.
Daripada pendaftaran sehingga refund, setiap langkah jelas dan telus.
From registration to refund, every step is clear and transparent.
Pasukan kami mengesahkan kesahihan, had liputan dan jenis Surat Jaminan anda dengan syarikat insurans/takaful.
Our team verifies the validity, coverage limit and type of your Guarantee Letter with the insurer/takaful operator.
Deposit dipungut sebelum kemasukan wad. Pilihan tunai atau kad. Resit rasmi diberikan serta-merta.
Deposit collected before ward admission. Cash or card accepted. Official receipt issued instantly.
Pasukan Kawalan Kredit memantau perbandingan caj harian berbanding had liputan GL anda.
Credit Control team monitors daily charges against your GL coverage limit.
Hanya jika caj melebihi had GL atau ada item tidak dilindungi. Kami akan beritahu anda terlebih dahulu.
Only if charges exceed GL limit or include non-covered items. We'll inform you in advance.
Baki deposit dipulangkan sepenuhnya. Pembayaran tunai diproses serta-merta. Pembayaran kad dipulangkan dalam tempoh 7 hari bekerja.
The remaining deposit is refunded in full. Cash payments are processed immediately, while card payments are returned within 7 working days.
Pemberian rawatan kecemasan TIDAK akan ditangguhkan atas asbab pembayaran deposit. Hospital Pakar An-Nur mematuhi Seksyen 38 Akta Kemudahan dan Perkhidmatan Jagaan Kesihatan Swasta 1998 (Akta 586). Urusan deposit boleh dilaksanakan dalam tempoh 24 jam selepas pesakit stabil.
Emergency treatment will NOT be delayed due to deposit payment. An-Nur complies with Section 38 of the Private Healthcare Facilities and Services Act 1998 (Act 586). Deposit can be settled within 24 hours after the patient is stabilised.
RM 300 adalah amaun antara terendah di kalangan hospital swasta Lembah Klang.
RM 300 is among the lowest deposit amounts charged by Klang Valley private hospitals.
| HospitalHospital | Deposit GLGL Deposit |
|---|---|
|
Hospital Pakar An-Nur
KamiUs
Bandar Baru Bangi · Patuh Shariah
Bandar Baru Bangi · Shariah-Compliant
|
RM 300 |
|
Hospital Islam Az-Zahrah
Bandar Baru Bangi · Hospital Islam
Bandar Baru Bangi · Islamic Hospital
|
RM 300 |
|
Hospital Pakar Pusrawi
Kuala Lumpur · Sejak 2015
Kuala Lumpur · Since 2015
|
RM 300 |
|
Avisena Specialist Hospital
Shah Alam
Shah Alam
|
RM 300–500 |
|
Sunway Medical Centre
Bandar Sunway
Bandar Sunway
|
RM 500 |
|
KPJ Damansara / Ampang Puteri
Selangor
Selangor
|
RM 500–1,000 |
|
Gleneagles Kuala Lumpur
Kuala Lumpur
Kuala Lumpur
|
RM 600 |
|
Mount Elizabeth (Singapura)
Singapura · Rujukan Serantau
Singapore · Regional Reference
|
S$10k–50k |
Klik setiap soalan untuk jawapan terperinci.
Click each question for detailed answers.
Deposit RM 300 adalah cagaran sementara untuk menampung perkara yang mungkin tidak dilindungi sepenuhnya oleh GL anda — seperti telefon wad, makanan tambahan untuk penjaga, item peribadi, perbezaan kadar bilik (jika upgrade), bayaran kongsi (co-pay/co-insurance), atau cukai perkhidmatan.
Deposit ini bukan bayaran tambahan kepada bil hospital — ia akan ditolak daripada bil akhir, dan baki dipulangkan sepenuhnya. Amalan ini adalah piawaian standard di semua hospital swasta Malaysia.
The RM 300 deposit is a temporary security to cover items that may not be fully covered by your GL — such as ward telephone, additional caregiver meals, personal items, room rate differences (if upgraded), co-pay/co-insurance, or service tax.
This deposit is not an additional charge to your hospital bill — it is deducted from the final bill, and the balance is fully refunded. This is standard practice across all Malaysian private hospitals.
Sekiranya deposit melebihi amaun yang perlu anda tanggung selepas GL diluluskan:
Resit rasmi dan rekod sistem hospital disediakan sebagai bukti audit. Anda akan menerima notifikasi SMS/WhatsApp apabila refund diproses.
If your deposit exceeds the amount you must bear after GL approval:
Official receipt and hospital system record provided as audit trail. You'll receive SMS/WhatsApp notification when refund is processed.
Dua perkara berbeza sepenuhnya:
Hospital hanya memungut bayaran co-takaful bagi pihak insurer anda berdasarkan terma polisi.
Two completely different things:
The hospital only collects co-takaful payments on behalf of your insurer based on policy terms.
Polisi ini terpakai kepada semua kemasukan wad menggunakan GL daripada syarikat insurans atau majikan, tertakluk kepada panel insurer dan jenis GL anda.
Sebahagian panel insurans tertentu mempunyai pengaturan tanpa deposit (cashless) dengan An-Nur. Untuk semakan panel anda sebelum kemasukan:
This policy applies to all ward admissions using GL from insurance companies or employers, subject to your insurer panel and GL type.
Certain insurance panels have cashless arrangements with An-Nur. To verify your panel status before admission:
Kelewatan GL (lebih 24 jam): Hospital mungkin meminta deposit tambahan untuk menampung kos rawatan sementara menunggu pengesahan. Jumlah ditentukan oleh Pasukan Kawalan Kredit berdasarkan anggaran kos.
GL ditolak sepenuhnya: Anda akan diberi:
Discaj sebelum GL akhir diterima: Anda boleh discaj selepas selesai bayar anggaran caj atau deposit tambahan. Lebihan akan dipulangkan apabila GL akhir diterima.
GL delay (over 24 hours): The hospital may request an additional deposit to cover treatment costs pending confirmation. Amount determined by Credit Control team based on cost estimates.
GL fully rejected: You will receive:
Discharge before final GL received: You may be discharged after settling estimated charges or providing additional deposit. Excess refunded once final GL is received.
Pemberian rawatan kecemasan TIDAK akan ditangguhkan atau ditolak atas asbab pembayaran deposit.
Hospital Pakar An-Nur mematuhi Seksyen 38 Akta Kemudahan dan Perkhidmatan Jagaan Kesihatan Swasta 1998 (Akta 586) yang mewajibkan rawatan kecemasan diberikan tanpa mengira keupayaan kewangan.
Emergency treatment will NOT be delayed or refused due to deposit payment.
Hospital Pakar An-Nur complies with Section 38 of the Private Healthcare Facilities and Services Act 1998 (Act 586) which mandates emergency treatment regardless of financial capability.
Ya. Polisi ini telah disemak dan diluluskan oleh Majlis Penasihat Shariah Hospital Pakar An-Nur sebagai amalan wadi'ah yad amanah (deposit yang dipegang sebagai amanah).
Prinsip Shariah yang dipatuhi:
Yes. This policy has been reviewed and approved by the Hospital Pakar An-Nur Shariah Advisory Council as wadi'ah yad amanah (deposit held as trust).
Shariah principles observed:
Pasukan Khidmat Pelanggan kami sedia membantu — semakan panel insurans, anggaran kos, atau penjelasan lanjut. Hubungi kami sekarang.
Our Customer Service team is ready to help — insurance panel verification, cost estimates, or further clarification. Contact us now.
