{"id":30391,"date":"2023-02-27T10:56:21","date_gmt":"2023-02-27T02:56:21","guid":{"rendered":"https:\/\/www.redcover.com.my\/perbezaan-antara-hilang-upaya-separa-kekal-dan-hilang-upaya-menyeluruh-kekal\/"},"modified":"2023-05-30T14:24:27","modified_gmt":"2023-05-30T06:24:27","slug":"perbezaan-antara-hilang-upaya-separa-kekal-dan-hilang-upaya-menyeluruh-kekal","status":"publish","type":"post","link":"https:\/\/www.redcover.com.my\/ms\/perbezaan-antara-hilang-upaya-separa-kekal-dan-hilang-upaya-menyeluruh-kekal\/","title":{"rendered":"Perbezaan antara Hilang Upaya Separa &amp; Kekal dan Hilang Upaya Menyeluruh &amp; Kekal"},"content":{"rendered":"\n<p>Hilang Upaya Separa &amp; Kekal dan Hilang Upaya Menyeluruh &amp; Kekal adalah sebahagian daripada manfaat di bawah <a href=\"https:\/\/www.redcover.com.my\/ms\/insurans-hayat-bertempoh-kumpulan-untuk-pekerja\/\">pelan insurans Hayat Bertempoh Kumpulan<\/a>.  <\/p>\n\n<p>Berikut adalah lebih terperinci mengenai perbezaan antara kedua-dua faedah.<\/p>\n\n<hr class=\"wp-block-separator has-css-opacity\" \/>\n\n<div class=\"wp-block-media-text alignwide is-stacked-on-mobile is-vertically-aligned-center\" style=\"grid-template-columns:28% auto\"><figure class=\"wp-block-media-text__media\"><img loading=\"lazy\" decoding=\"async\" width=\"994\" height=\"995\" src=\"https:\/\/www.redcover.com.my\/wp-content\/uploads\/LevineLee.InsuranceAdvisor.profile.010319.jpg\" alt=\"Perancang Hayat Levine Lee\" class=\"wp-image-877 size-full\" srcset=\"https:\/\/www.redcover.com.my\/wp-content\/uploads\/LevineLee.InsuranceAdvisor.profile.010319.jpg 994w, https:\/\/www.redcover.com.my\/wp-content\/uploads\/LevineLee.InsuranceAdvisor.profile.010319-500x500.jpg 500w, https:\/\/www.redcover.com.my\/wp-content\/uploads\/LevineLee.InsuranceAdvisor.profile.010319-180x180.jpg 180w, https:\/\/www.redcover.com.my\/wp-content\/uploads\/LevineLee.InsuranceAdvisor.profile.010319-690x691.jpg 690w, https:\/\/www.redcover.com.my\/wp-content\/uploads\/LevineLee.InsuranceAdvisor.profile.010319-150x150.jpg 150w, https:\/\/www.redcover.com.my\/wp-content\/uploads\/LevineLee.InsuranceAdvisor.profile.010319-300x300.jpg 300w, https:\/\/www.redcover.com.my\/wp-content\/uploads\/LevineLee.InsuranceAdvisor.profile.010319-768x769.jpg 768w, https:\/\/www.redcover.com.my\/wp-content\/uploads\/LevineLee.InsuranceAdvisor.profile.010319-600x600.jpg 600w\" sizes=\"auto, (max-width: 994px) 100vw, 994px\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<p>Klik butang di bawah untuk menghubungi Ejen Insurans AIA Levine Lee, untuk menjawab soalan anda mengenai pelan insurans ini.<\/p>\n\n\n\n<div class=\"wp-block-jetpack-send-a-message\">\n<div class=\"wp-block-jetpack-whatsapp-button aligncenter is-color-dark\"><a class=\"whatsapp-block__button\" href=\"https:\/\/api.whatsapp.com\/send?phone=60103619298&amp;text=Hi%2C%20I%20have%20questions%20on%20AIA%20insurance.%20%20My%20name%20is%3A%20%20\" style=\"background-color:#25D366;color:#fff\" target=\"_blank\" rel=\"noopener noreferrer\">Sembang di WhatsApp<\/a><\/div>\n<\/div>\n<\/div><\/div>\n\n<hr class=\"wp-block-separator has-css-opacity\" \/>\n\n<div style=\"color:#ddd\" class=\"wp-block-genesis-blocks-gb-spacer gb-block-spacer gb-divider-solid gb-divider-size-1\"><hr style=\"height:30px\"><\/div>\n\n<div style=\"color:#ddd\" class=\"wp-block-genesis-blocks-gb-spacer gb-block-spacer gb-divider-solid gb-divider-size-1\"><hr style=\"height:30px\"><\/div>\n\n<h2 class=\"wp-block-heading\" id=\"h-partial-permanent-disability-ppd\">Hilang Upaya Separa &amp; Kekal (PPD)<\/h2>\n\n<p>Hilang Upaya Separa &amp; Kekal (PPD) merujuk kepada keadaan perubatan di mana ia memberi kesan kepada pekerja daripada memenuhi tanggungjawab kerja mereka. Pekerja itu cedera atau terlibat dalam kemalangan tetapi masih boleh melakukan beberapa tugas yang diperlukan untuk mencari nafkah.<\/p>\n\n<p>Sebagai contoh, seorang pekerja kilang mengalami kemalangan semasa mengendalikan sekeping jentera di tempat kerjanya. Akibat kejadian itu, dia kehilangan dua jarinya. Beliau kini mempunyai kecacatan kekal tetapi masih mampu melaksanakan tugas lain.<\/p>\n\n<p>Dalam situasi ini, pekerja mesti dapat menunjukkan bahawa kecederaan mereka disebabkan oleh kewajipan pekerjaan mereka. Dan berkait rapat dengan beberapa aspek kerja mereka untuk layak mendapat pampasan.<\/p>\n\n<p>Berikut adalah beberapa contoh kecederaan yang berkaitan dengan kerja yang boleh membolehkan pekerja memenuhi syarat untuk status kecacatan separa:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Kesakitan kronik<\/li>\n\n\n\n<li>Sindrom Carpal Tunnel<\/li>\n\n\n\n<li>Masalah belakang dan leher<\/li>\n\n\n\n<li>Serangan jantung<\/li>\n\n\n\n<li>Diabetes<\/li>\n\n\n\n<li>Isu gastrousus<\/li>\n\n\n\n<li>Fibromyalgia<\/li>\n\n\n\n<li>Kehilangan deria (contohnya kerosakan penglihatan atau kehilangan pendengaran)<\/li>\n<\/ul>\n\n<p>Bagi Hilang Upaya Separa dan Kekal (PPD), tahap hilang upaya digunakan untuk menentukan <a href=\"https:\/\/www.redcover.com.my\/ms\/manfaat-insurans-hayat-bertempoh-kumpulan\/\">manfaat insurans<\/a>. Jadual di bawah menunjukkan peratusan jumlah pampasan insurans yang akan diterima oleh pekerja berdasarkan skala ganti rugi hilang upaya separa dan kekal ini.<\/p>\n\n<figure class=\"wp-block-table is-style-regular has-small-font-size\"><table class=\"has-white-background-color has-background\"><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Skala Hilang Upaya Separa dan Kekal bagi Ganti Rugi<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Peratusan jumlah insurans<\/strong><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">1. Kehilangan Penglihatan Menyeluruh kekal di kedua-dua mata<\/td><td class=\"has-text-align-center\" data-align=\"center\">100%<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">2. Jumlah kehilangan penglihatan kekal dalam satu mata<\/td><td class=\"has-text-align-center\" data-align=\"center\">100%<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">3. Kehilangan atau Jumlah Kehilangan Penggunaan Kekal dua anggota badan<\/td><td class=\"has-text-align-center\" data-align=\"center\">100%<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">4. Kehilangan atau Jumlah Kehilangan Kekal Penggunaan Satu Anggota Badan<\/td><td class=\"has-text-align-center\" data-align=\"center\">100%<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">5. Kehilangan ucapan dan pendengaran<\/td><td class=\"has-text-align-center\" data-align=\"center\">100%<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">6. Kegilaan kekal dan tidak dapat diubati<\/td><td class=\"has-text-align-center\" data-align=\"center\">100%<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">7. Lumpuh kekal dan tidak dapat diubati semua anggota badan<\/td><td class=\"has-text-align-center\" data-align=\"center\">100%<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">8. Jumlah kehilangan pendengaran kekal dalam<br \/>(a) kedua-dua telinga<br \/>(b) satu telinga<\/td><td class=\"has-text-align-center\" data-align=\"center\"><br \/>75%<br \/>25%<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">9. Kehilangan ucapan<\/td><td class=\"has-text-align-center\" data-align=\"center\">50%<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">10. Jumlah Kehilangan kanta kekal satu mata<\/td><td class=\"has-text-align-center\" data-align=\"center\">50%<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">11. Kehilangan atau Jumlah Kehilangan Kekal Penggunaan Empat Jari dan Ibu Jari<br \/>(a) Tangan Kanan<br \/>(b) tangan kiri<\/td><td class=\"has-text-align-center\" data-align=\"center\"><br \/>70%<br \/>50%<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">12. Kehilangan atau Jumlah Kehilangan Kekal Penggunaan empat jari<br \/>(a) Tangan Kanan<br \/>(b) tangan kiri<\/td><td class=\"has-text-align-center\" data-align=\"center\"><br \/>40%<br \/>30%<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">13. Kehilangan atau Jumlah Kehilangan Kekal penggunaan satu ibu jari<br \/>(a) kedua-dua phalanges kanan<br \/>(b) satu phalanx kanan<br \/>(c) kedua-dua phalanges kiri<br \/>(d) satu phalanx kiri<\/td><td class=\"has-text-align-center\" data-align=\"center\"><br \/>30%<br \/>15%<br \/>20%<br \/>10%<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">14. Kehilangan atau Jumlah Kehilangan Kekal Penggunaan Jari<br \/>(a) tiga phalanges kanan<br \/>(b) dua phalanges kanan<br \/>(c) satu phalanx kanan<br \/>(d) tiga phalanges kiri<br \/>(e) dua phalanges kiri<br \/>(f) satu phalanx kiri<\/td><td class=\"has-text-align-center\" data-align=\"center\"><br \/>0%<br \/>7.5%<br \/>5%<br \/>7.5%<br \/>5%<br \/>2%<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">15. Kehilangan atau Jumlah Kehilangan Penggunaan Jari Kaki Kekal<br \/>(a) semua \u2013 kedua-dua kaki<br \/>(b) hebat \u2013 kedua-dua phalanges<br \/>(c) hebat \u2013 satu phalanx<br \/>(d) selain hebat, setiap jari kaki<\/td><td class=\"has-text-align-center\" data-align=\"center\"><br \/>15%<br \/>5%<br \/>3%<br \/>1%<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">16. Kaki patah atau patella dengan bukan kesatuan yang ditubuhkan<\/td><td class=\"has-text-align-center\" data-align=\"center\">10%<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">17. Memendekkan kaki sekurang-kurangnya 5cm<\/td><td class=\"has-text-align-center\" data-align=\"center\">7.5%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n<h2 class=\"wp-block-heading\" id=\"h-total-permanent-disability-tpd\">Jumlah &amp; Hilang Upaya Kekal (TPD)<\/h2>\n\n<p>Hilang Upaya Kekal Total &amp; bermakna hilang upaya mestilah menyeluruh dan kekal. Dan orang itu tidak boleh memperoleh atau memperoleh apa-apa pendapatan hasil daripada itu.  <\/p>\n\n<p>Sebagai contoh, pekerja membangunkan <a href=\"https:\/\/en.wikipedia.org\/wiki\/Occupational_disease\">penyakit pekerjaan<\/a> yang menyebabkan keadaan perubatan. Akibatnya, pekerja dianggap tidak layak bekerja dan tidak lagi dapat memperoleh sebarang pendapatan.  <\/p>\n\n<p>Contoh lain ialah pemandu lori yang terlibat dalam kemalangan jalan raya dan mengalami kecederaan otak yang mengakibatkan lumpuh. Oleh kerana keadaannya, dia tidak lagi dapat bekerja.<\/p>\n\n<p>Hilang upaya menyeluruh juga boleh disebabkan oleh sebab semula jadi atau tidak sengaja. Contoh syarat yang berada di bawah kategori ini termasuk:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Penyakit paru-paru obstruktif kronik<\/li>\n\n\n\n<li>Penyakit paru-paru (contohnya asbestosis)<\/li>\n\n\n\n<li>Penyakit Parkinson<\/li>\n\n\n\n<li><a href=\"https:\/\/en.wikipedia.org\/wiki\/Mesothelioma\">Mesothelioma<\/a> dan<\/li>\n\n\n\n<li>Pelbagai syarat lain termasuk dalam kriteria yang disenaraikan di bawah undang-undang.<\/li>\n<\/ul>\n\n<p>Terdapat kriteria khusus yang digunakan untuk menentukan jumlah pampasan. Di mana orang yang diinsuranskan akan dinilai atas keupayaannya untuk melaksanakan tugas harian. Contoh aktiviti kehidupan seharian ditunjukkan dalam jadual di bawah.<\/p>\n\n<figure class=\"wp-block-table has-small-font-size\"><table class=\"has-background\" style=\"background-color:#f3e9e9\"><tbody><tr><td><strong>Aktiviti<\/strong><\/td><td><strong>Definisi<\/strong><\/td><\/tr><tr><td>Pemindahan<\/td><td>Masuk dan keluar dari kerusi tanpa memerlukan bantuan fizikal.<\/td><\/tr><tr><td>Mobiliti<\/td><td>Keupayaan untuk bergerak dari bilik ke bilik tanpa memerlukan bantuan fizikal<\/td><\/tr><tr><td>Kontinens<\/td><td>Keupayaan untuk mengawal fungsi usus dan pundi kencing secara sukarela seperti mengekalkan kebersihan diri.<\/td><\/tr><tr><td>Berpakaian<\/td><td>Memakai dan menanggalkan semua pakaian yang diperlukan tanpa memerlukan bantuan orang lain<\/td><\/tr><tr><td>Mandi\/<br \/>Basuh<\/td><td>Keupayaan untuk mencuci di dalam bilik mandi atau mandi (termasuk masuk atau keluar dari bilik mandi atau mandi) atau mencuci dengan cara lain<\/td><\/tr><tr><td>Makan<\/td><td>Semua tugas mendapatkan makanan ke dalam badan sebaik sahaja ia telah disediakan.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n<h2 class=\"wp-block-heading\" id=\"h-the-differences-between-partial-permanent-disability-and-total-permanent-disability\">Perbezaan antara Hilang Upaya Separa &amp; Kekal dan Hilang Upaya Menyeluruh &amp; Kekal  <\/h2>\n\n<p>Adalah penting untuk mengetahui perbezaan antara Hilang Upaya Separa &amp; Kekal dan Hilang Upaya Kekal Menyeluruh kerana kedua-duanya mempunyai <a href=\"https:\/\/www.redcover.com.my\/ms\/pemprosesan-tuntutan-insurans-kumpulan-di-malaysia\/\">jumlah pampasan<\/a> yang berbeza.<\/p>\n\n<p>Pekerja yang mengalami kecederaan Hilang Upaya Separa &amp; Kekal dijangka akhirnya kembali bekerja semula. Oleh kerana kecederaan mereka dianggap separa, mereka dijangka melakukan dalam kapasiti yang terhad. Sementara itu, mereka yang mengalami kecederaan Hilang Upaya Menyeluruh &amp; Kekal tidak dijangka kembali bekerja. Kecacatan mereka menjadikan mereka tidak dapat mencari nafkah.<\/p>\n\n<p>Oleh itu, seseorang yang cacat sepenuhnya akan menerima faedah yang lebih besar semasa kemalangan mereka berbanding dengan seseorang yang hanya sebahagiannya menderita dan masih boleh melakukan beberapa kewajipan pekerjaan mereka.<\/p>\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.redcover.com.my\/wp-content\/uploads\/\/LevineLee.-Insurance-Agent-Malaysia-1024x683.jpg\" alt=\"Ejen Insurans Levine Lee Malaysia\" class=\"wp-image-20027\" srcset=\"https:\/\/www.redcover.com.my\/wp-content\/uploads\/LevineLee.-Insurance-Agent-Malaysia-1024x683.jpg 1024w, https:\/\/www.redcover.com.my\/wp-content\/uploads\/LevineLee.-Insurance-Agent-Malaysia-300x200.jpg 300w, https:\/\/www.redcover.com.my\/wp-content\/uploads\/LevineLee.-Insurance-Agent-Malaysia-768x512.jpg 768w, https:\/\/www.redcover.com.my\/wp-content\/uploads\/LevineLee.-Insurance-Agent-Malaysia-1536x1024.jpg 1536w, https:\/\/www.redcover.com.my\/wp-content\/uploads\/LevineLee.-Insurance-Agent-Malaysia-600x400.jpg 600w, https:\/\/www.redcover.com.my\/wp-content\/uploads\/LevineLee.-Insurance-Agent-Malaysia-690x460.jpg 690w, https:\/\/www.redcover.com.my\/wp-content\/uploads\/LevineLee.-Insurance-Agent-Malaysia.jpg 1600w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Ejen Insurans Levine Lee Malaysia<\/figcaption><\/figure>\n\n<p>Levine Lee mempunyai lebih daripada 18 tahun pengalaman bekerja dengan AIA dan ING Insurance. Beliau adalah <a data-type=\"page\" data-id=\"8234\" href=\"https:\/\/www.redcover.com.my\/ms\/ejen-insurans-aia-kl-levine-lee\/\">pakar ejen insurans <\/a>AIA dan perancang hayat untuk AIA di Malaysia. Hubungi <a href=\"https:\/\/www.redcover.com.my\/ms\/insurans-hayat-bertempoh-kumpulan\/#enquiry\">LEVINE LEE<\/a>, di <a href=\"tel:+6012%20684%200948\">+6012 684 0948<\/a>. Dia boleh bekerjasama dengan anda untuk membuat rancangan terbaik untuk memenuhi program faedah pekerja anda dan rancangan belanjawan insurans kumpulan.  <\/p>\n\n<p>Atau hantar borang di bawah untuk Levine memanggil anda untuk skop keperluan anda untuk sebut harga.<\/p>\n<script type=\"text\/javascript\">\n\/* <![CDATA[ *\/\nvar gform;gform||(document.addEventListener(\"gform_main_scripts_loaded\",function(){gform.scriptsLoaded=!0}),document.addEventListener(\"gform\/theme\/scripts_loaded\",function(){gform.themeScriptsLoaded=!0}),window.addEventListener(\"DOMContentLoaded\",function(){gform.domLoaded=!0}),gform={domLoaded:!1,scriptsLoaded:!1,themeScriptsLoaded:!1,isFormEditor:()=>\"function\"==typeof InitializeEditor,callIfLoaded:function(o){return!(!gform.domLoaded||!gform.scriptsLoaded||!gform.themeScriptsLoaded&&!gform.isFormEditor()||(gform.isFormEditor()&&console.warn(\"The use of gform.initializeOnLoaded() is deprecated in the form editor context and will be removed in Gravity 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Quotation<\/h3>\n                            <p class='gform_description'>Employee benefits group insurance enquiry form for Red Cover insurance agents to provide group insurance quotations.<\/p>\n                        <\/div><form method='post' enctype='multipart\/form-data'  id='gform_2'  action='\/ms\/wp-json\/wp\/v2\/posts\/30391' data-formid='2' novalidate>\n                        <div class='gform-body gform_body'><ul id='gform_fields_2' class='gform_fields top_label form_sublabel_below description_below validation_below'><li id=\"field_2_23\" class=\"gfield gfield--type-honeypot gform_validation_container field_sublabel_below gfield--has-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_2_23'>Company<\/label><div class='ginput_container'><input name='input_23' id='input_2_23' type='text' value='' autocomplete='new-password'\/><\/div><div class='gfield_description' id='gfield_description_2_23'>This field is for validation purposes and should be left unchanged.<\/div><\/li><li id=\"field_2_18\" class=\"gfield gfield--type-html gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><a name=\"enquiry\"><\/a><\/li><li id=\"field_2_14\" class=\"gfield gfield--type-radio gfield--type-choice gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' >Group Size<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_radio'><ul class='gfield_radio' id='input_2_14'>\n\t\t\t<li class='gchoice gchoice_2_14_0'>\n\t\t\t\t<input name='input_14' type='radio' value='Group Size 5'  id='choice_2_14_0'    \/>\n\t\t\t\t<label for='choice_2_14_0' id='label_2_14_0' class='gform-field-label gform-field-label--type-inline'>Group Size < 5<\/label>\n\t\t\t<\/li>\n\t\t\t<li class='gchoice gchoice_2_14_1'>\n\t\t\t\t<input name='input_14' type='radio' value='5 Group Size 100'  id='choice_2_14_1'    \/>\n\t\t\t\t<label for='choice_2_14_1' id='label_2_14_1' class='gform-field-label gform-field-label--type-inline'>5 < Group Size < 100<\/label>\n\t\t\t<\/li>\n\t\t\t<li class='gchoice gchoice_2_14_2'>\n\t\t\t\t<input name='input_14' type='radio' value='Group Size 100'  id='choice_2_14_2'    \/>\n\t\t\t\t<label for='choice_2_14_2' id='label_2_14_2' class='gform-field-label gform-field-label--type-inline'>Group Size > 100<\/label>\n\t\t\t<\/li><\/ul><\/div><\/li><li id=\"field_2_17\" class=\"gfield gfield--type-checkbox gfield--type-choice field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label gfield_label_before_complex' >Extended Cover<\/label><div class='ginput_container ginput_container_checkbox'><ul class='gfield_checkbox' id='input_2_17'><li class='gchoice gchoice_2_17_1'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_17.1' type='checkbox'  value='Spouse'  id='choice_2_17_1'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_2_17_1' id='label_2_17_1' class='gform-field-label gform-field-label--type-inline'>Spouse<\/label>\n\t\t\t\t\t\t\t<\/li><li class='gchoice gchoice_2_17_2'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_17.2' type='checkbox'  value='Children'  id='choice_2_17_2'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_2_17_2' id='label_2_17_2' class='gform-field-label gform-field-label--type-inline'>Children<\/label>\n\t\t\t\t\t\t\t<\/li><li class='gchoice gchoice_2_17_3'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_17.3' type='checkbox'  value='Expats (Employment Pass Holder)'  id='choice_2_17_3'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_2_17_3' id='label_2_17_3' class='gform-field-label gform-field-label--type-inline'>Expats (Employment Pass Holder)<\/label>\n\t\t\t\t\t\t\t<\/li><\/ul><\/div><\/li><li id=\"field_2_12\" class=\"gfield gfield--type-checkbox gfield--type-choice gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label gfield_label_before_complex' >Employee Benefits Insurance &#8211; Group Size &lt; 5<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_checkbox'><ul class='gfield_checkbox' id='input_2_12'><li class='gchoice gchoice_select_all'>\n\t\t\t\t\t\t<input class='gfield-choice-input' type='checkbox' id='choice_12_select_all'   onclick='gformToggleCheckboxes( this )' onkeypress='gformToggleCheckboxes( this )' \/>\n\t\t\t\t\t\t<label for='choice_12_select_all' id='label_12_select_all' class='gform-field-label  gform-field-label--type-inline' data-label-select='Select All' data-label-deselect='Deselect All'>Select All<\/label>\n\t\t\t\t\t<\/li><li class='gchoice gchoice_2_12_1'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_12.1' type='checkbox'  value='Individual Term Life'  id='choice_2_12_1'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_2_12_1' id='label_2_12_1' class='gform-field-label gform-field-label--type-inline'>Individual Term Life<\/label>\n\t\t\t\t\t\t\t<\/li><li class='gchoice gchoice_2_12_2'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_12.2' type='checkbox'  value='Individual Personal Accident'  id='choice_2_12_2'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_2_12_2' id='label_2_12_2' class='gform-field-label gform-field-label--type-inline'>Individual Personal Accident<\/label>\n\t\t\t\t\t\t\t<\/li><li class='gchoice gchoice_2_12_3'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_12.3' type='checkbox'  value='Individual Critical Illness'  id='choice_2_12_3'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_2_12_3' id='label_2_12_3' class='gform-field-label gform-field-label--type-inline'>Individual Critical Illness<\/label>\n\t\t\t\t\t\t\t<\/li><li class='gchoice gchoice_2_12_4'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_12.4' type='checkbox'  value='Individual Medical, Hospitalization and Surgical'  id='choice_2_12_4'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_2_12_4' id='label_2_12_4' class='gform-field-label gform-field-label--type-inline'>Individual Medical, Hospitalization and Surgical<\/label>\n\t\t\t\t\t\t\t<\/li><\/ul><\/div><\/li><li id=\"field_2_15\" class=\"gfield gfield--type-checkbox gfield--type-choice gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label gfield_label_before_complex' >Employee Benefits Insurance &#8211; 5 &lt; Group Size &lt; 100<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_checkbox'><ul class='gfield_checkbox' id='input_2_15'><li class='gchoice gchoice_select_all'>\n\t\t\t\t\t\t<input class='gfield-choice-input' type='checkbox' id='choice_15_select_all'   onclick='gformToggleCheckboxes( this )' onkeypress='gformToggleCheckboxes( this )' \/>\n\t\t\t\t\t\t<label for='choice_15_select_all' id='label_15_select_all' class='gform-field-label  gform-field-label--type-inline' data-label-select='Select All' data-label-deselect='Deselect All'>Select All<\/label>\n\t\t\t\t\t<\/li><li class='gchoice gchoice_2_15_1'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_15.1' type='checkbox'  value='Group Term Life'  id='choice_2_15_1'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_2_15_1' id='label_2_15_1' class='gform-field-label gform-field-label--type-inline'>Group Term Life<\/label>\n\t\t\t\t\t\t\t<\/li><li class='gchoice gchoice_2_15_2'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_15.2' type='checkbox'  value='Group Personal Accident'  id='choice_2_15_2'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_2_15_2' id='label_2_15_2' class='gform-field-label gform-field-label--type-inline'>Group Personal Accident<\/label>\n\t\t\t\t\t\t\t<\/li><li class='gchoice gchoice_2_15_3'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_15.3' type='checkbox'  value='Group Critical Illness'  id='choice_2_15_3'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_2_15_3' id='label_2_15_3' class='gform-field-label gform-field-label--type-inline'>Group Critical Illness<\/label>\n\t\t\t\t\t\t\t<\/li><li class='gchoice gchoice_2_15_4'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_15.4' type='checkbox'  value='Group Medical, Hospitalization and Surgical'  id='choice_2_15_4'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_2_15_4' id='label_2_15_4' class='gform-field-label gform-field-label--type-inline'>Group Medical, Hospitalization and Surgical<\/label>\n\t\t\t\t\t\t\t<\/li><\/ul><\/div><\/li><li id=\"field_2_13\" class=\"gfield gfield--type-checkbox gfield--type-choice gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label gfield_label_before_complex' >Employee Benefits Insurance &#8211; Group Size &gt; 100<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_checkbox'><ul class='gfield_checkbox' id='input_2_13'><li class='gchoice gchoice_select_all'>\n\t\t\t\t\t\t<input class='gfield-choice-input' type='checkbox' id='choice_13_select_all'   onclick='gformToggleCheckboxes( this )' onkeypress='gformToggleCheckboxes( this )' \/>\n\t\t\t\t\t\t<label for='choice_13_select_all' id='label_13_select_all' class='gform-field-label  gform-field-label--type-inline' data-label-select='Select All' data-label-deselect='Deselect All'>Select All<\/label>\n\t\t\t\t\t<\/li><li class='gchoice gchoice_2_13_1'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_13.1' type='checkbox'  value='Group Term Life'  id='choice_2_13_1'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_2_13_1' id='label_2_13_1' class='gform-field-label gform-field-label--type-inline'>Group Term Life<\/label>\n\t\t\t\t\t\t\t<\/li><li class='gchoice gchoice_2_13_2'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_13.2' type='checkbox'  value='Group Personal Accident'  id='choice_2_13_2'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_2_13_2' id='label_2_13_2' class='gform-field-label gform-field-label--type-inline'>Group Personal Accident<\/label>\n\t\t\t\t\t\t\t<\/li><li class='gchoice gchoice_2_13_3'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_13.3' type='checkbox'  value='Group Critical Illness'  id='choice_2_13_3'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_2_13_3' id='label_2_13_3' class='gform-field-label gform-field-label--type-inline'>Group Critical Illness<\/label>\n\t\t\t\t\t\t\t<\/li><li class='gchoice gchoice_2_13_4'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_13.4' type='checkbox'  value='Group Medical, Hospitalization and Surgical'  id='choice_2_13_4'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_2_13_4' id='label_2_13_4' class='gform-field-label gform-field-label--type-inline'>Group Medical, Hospitalization and Surgical<\/label>\n\t\t\t\t\t\t\t<\/li><\/ul><\/div><\/li><li id=\"field_2_16\" class=\"gfield gfield--type-checkbox gfield--type-choice field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label gfield_label_before_complex' >Employee Benefits Insurance &#8211; Group Size &gt; 100 (Add on benefits)<\/label><div class='ginput_container ginput_container_checkbox'><ul class='gfield_checkbox' id='input_2_16'><li class='gchoice gchoice_select_all'>\n\t\t\t\t\t\t<input class='gfield-choice-input' type='checkbox' id='choice_16_select_all'   onclick='gformToggleCheckboxes( this )' onkeypress='gformToggleCheckboxes( this )' \/>\n\t\t\t\t\t\t<label for='choice_16_select_all' id='label_16_select_all' class='gform-field-label  gform-field-label--type-inline' data-label-select='Select All' data-label-deselect='Deselect All'>Select All<\/label>\n\t\t\t\t\t<\/li><li class='gchoice gchoice_2_16_1'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_16.1' type='checkbox'  value='Group Long Term Care Benefits with Organ Transplant'  id='choice_2_16_1'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_2_16_1' id='label_2_16_1' class='gform-field-label gform-field-label--type-inline'>Group Long Term Care Benefits with Organ Transplant<\/label>\n\t\t\t\t\t\t\t<\/li><li class='gchoice gchoice_2_16_2'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_16.2' type='checkbox'  value='Group Outpatient Specialist Benefits'  id='choice_2_16_2'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_2_16_2' id='label_2_16_2' class='gform-field-label gform-field-label--type-inline'>Group Outpatient Specialist Benefits<\/label>\n\t\t\t\t\t\t\t<\/li><li class='gchoice gchoice_2_16_3'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_16.3' type='checkbox'  value='Group Outpatient General Practitioner Benefits'  id='choice_2_16_3'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_2_16_3' id='label_2_16_3' class='gform-field-label gform-field-label--type-inline'>Group Outpatient General Practitioner Benefits<\/label>\n\t\t\t\t\t\t\t<\/li><li class='gchoice gchoice_2_16_4'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_16.4' type='checkbox'  value='Group Pediatric Benefits'  id='choice_2_16_4'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_2_16_4' id='label_2_16_4' class='gform-field-label gform-field-label--type-inline'>Group Pediatric Benefits<\/label>\n\t\t\t\t\t\t\t<\/li><li class='gchoice gchoice_2_16_5'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_16.5' type='checkbox'  value='Group Maternity Benefits'  id='choice_2_16_5'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_2_16_5' id='label_2_16_5' class='gform-field-label gform-field-label--type-inline'>Group Maternity Benefits<\/label>\n\t\t\t\t\t\t\t<\/li><li class='gchoice gchoice_2_16_6'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_16.6' type='checkbox'  value='Group Dental Benefits'  id='choice_2_16_6'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_2_16_6' id='label_2_16_6' class='gform-field-label gform-field-label--type-inline'>Group Dental Benefits<\/label>\n\t\t\t\t\t\t\t<\/li><\/ul><\/div><\/li><li id=\"field_2_22\" class=\"gfield gfield--type-text gfield--width-full field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_2_22'>Name of existing group insurance company if any<\/label><div class='ginput_container ginput_container_text'><input name='input_22' id='input_2_22' type='text' value='' class='large'      aria-invalid=\"false\"   \/><\/div><\/li><li id=\"field_2_8\" class=\"gfield gfield--type-text gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_2_8'>Company Name<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_8' id='input_2_8' type='text' value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/li><li id=\"field_2_19\" class=\"gfield gfield--type-text gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_2_19'>City \/ Town<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_19' id='input_2_19' type='text' value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/li><li id=\"field_2_1\" class=\"gfield gfield--type-name gfield_contains_required field_sublabel_hidden_label gfield--no-description field_description_above field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label gfield_label_before_complex' >Name<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_complex ginput_container ginput_container--name no_prefix no_first_name no_middle_name has_last_name no_suffix gf_name_has_1 ginput_container_name gform-grid-row' id='input_2_1'>\n                            \n                            \n                            \n                            <span id='input_2_1_6_container' class='name_last gform-grid-col gform-grid-col--size-auto' >\n                                                    <input type='text' name='input_1.6' id='input_2_1_6' value=''   aria-required='true'   placeholder='Full Name'  \/>\n                                                    <label for='input_2_1_6' class='gform-field-label gform-field-label--type-sub hidden_sub_label screen-reader-text'>Full Name<\/label>\n                                                <\/span>\n                            \n                        <\/div><\/li><li id=\"field_2_3\" class=\"gfield gfield--type-phone gf_left_half gfield_contains_required field_sublabel_below gfield--no-description field_description_above field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_2_3'>Phone<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_phone'><input name='input_3' id='input_2_3' type='tel' value='' class='medium'  placeholder='Office or Mobile Telephone Number' aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/li><li id=\"field_2_2\" class=\"gfield gfield--type-email gf_right_half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_2_2'>Email<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_email'>\n                            <input name='input_2' id='input_2_2' type='email' value='' class='medium'   placeholder='Email address' aria-required=\"true\" aria-invalid=\"false\"  \/>\n                        <\/div><\/li><li id=\"field_2_20\" class=\"gfield gfield--type-text gfield--width-full field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_hidden\"  ><div class=\"admin-hidden-markup\"><i class=\"gform-icon gform-icon--hidden\" aria-hidden=\"true\" title=\"This field is hidden when viewing the form\"><\/i><span>This field is hidden when viewing the form<\/span><\/div><label class='gfield_label gform-field-label' for='input_2_20'>Enquiry Submitted From Page:<\/label><div class='ginput_container ginput_container_text'><input name='input_20' id='input_2_20' type='text' value='' class='large'      aria-invalid=\"false\"   \/><\/div><\/li><\/ul><\/div>\n        <div class='gform-footer gform_footer top_label'> <input type='submit' id='gform_submit_button_2' class='gform_button button' onclick='gform.submission.handleButtonClick(this);' data-submission-type='submit' value='Send'  \/> \n            <input type='hidden' class='gform_hidden' name='gform_submission_method' data-js='gform_submission_method_2' value='postback' \/>\n            <input type='hidden' class='gform_hidden' name='gform_theme' data-js='gform_theme_2' id='gform_theme_2' value='legacy' \/>\n            <input type='hidden' class='gform_hidden' name='gform_style_settings' data-js='gform_style_settings_2' id='gform_style_settings_2' value='{&quot;inputPrimaryColor&quot;:&quot;#204ce5&quot;}' \/>\n            <input type='hidden' class='gform_hidden' name='is_submit_2' value='1' \/>\n            <input type='hidden' class='gform_hidden' name='gform_submit' value='2' \/>\n            \n            <input 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Sertai kami sekarang untuk menjadi sebahagian daripada pasukan dan cerita kami.<\/p>\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-font-size has-small-font-size\"><a class=\"wp-block-button__link has-custom-background-color has-background wp-element-button\" href=\"https:\/\/www.redcover.com.my\/ms\/peluang-kerjaya-perniagaan-dan-insurans-hayat-di-malaysia\/\">Sertai kami di red Cover<\/a><\/div>\n<\/div>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\" \/>\n","protected":false},"excerpt":{"rendered":"<p>Hilang Upaya Separa &amp; Kekal dan Hilang Upaya Menyeluruh &amp; Kekal adalah sebahagian daripada manfaat di bawah pelan insurans Hayat Bertempoh Kumpulan. Berikut adalah lebih terperinci mengenai perbezaan antara kedua-dua faedah. Hilang Upaya Separa &amp; Kekal (PPD) Hilang Upaya Separa &amp; Kekal (PPD) merujuk kepada keadaan perubatan di mana ia memberi kesan kepada pekerja daripada [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":30187,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"content-sidebar","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[2988],"tags":[3290,2992],"class_list":{"0":"post-30391","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-faedah-pekerja","8":"tag-gtl-ms","9":"tag-polisi-insurans-berkumpulan","10":"entry"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Perbezaan antara Hilang Upaya Separa &amp; Kekal dan Hilang Upaya Menyeluruh &amp; Kekal - Red Cover<\/title>\n<meta name=\"description\" content=\"Hilang Upaya Separa &amp; Kekal dan Hilang Upaya Menyeluruh &amp; Kekal adalah manfaat dalam Insurans Hayat Bertempoh Kumpulan AIA. 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