{"id":9977,"date":"2026-04-29T14:17:34","date_gmt":"2026-04-29T06:17:34","guid":{"rendered":"https:\/\/www.fmos.org.my\/?p=9977"},"modified":"2026-04-29T15:25:48","modified_gmt":"2026-04-29T07:25:48","slug":"inpatient-versus-outpatient-treatment","status":"publish","type":"post","link":"https:\/\/www.fmos.org.my\/bm\/inpatient-versus-outpatient-treatment\/","title":{"rendered":"Rawatan Pesakit Dalam dengan Rawatan Pesakit Luar"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Tim dimasukkan ke hospital dari 31 Julai sehingga 10 Ogos 2024 disebabkan kegagalan jantung kongestif yang teruk akibat kardiomiopati dilatasi. Apa yang pada awalnya merupakan kemasukan kecemasan yang memerlukan pemantauan perubatan rapi kemudiannya menjadi pertikaian apabila penanggung insurans menolak tuntutannya bagi manfaat kemasukan ke hospital.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Penanggung insurans menegaskan bahawa tempoh kemasukan selama 11 hari itu tidak mempunyai justifikasi perubatan sepenuhnya kerana keadaannya boleh diuruskan dengan selamat sebagai pesakit luar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>PENEMUAN<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Semasa dimasukkan ke hospital, Tim menerima terapi intravena dan rawatan antikoagulan, termasuk warfarin dari 31 Julai 2024 hingga 3 Ogos 2024.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Rekod perubatan menunjukkan bahawa warfarin dihentikan selepas 3 Ogos dan tiada komplikasi, intervensi, atau siasatan tambahan selanjutnya direkodkan yang boleh membenarkan rawatan berterusan sebagai pesakit dalam.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Walaupun beberapa ubat jantung diteruskan sehingga beliau discaj, pengurus kes mendapati bahawa mulai 4 Ogos dan seterusnya, rawatan serta pemantauan tersebut secara munasabah boleh diberikan secara pesakit luar. Tempoh baki kemasukan ke hospital dilihat lebih kepada pemerhatian bukan akut tanpa justifikasi perubatan yang jelas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>KEPUTUSAN<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pengurus kes mengesyorkan supaya Penyedia Perkhidmatan Kewangan (FSP) mempertimbangkan perlindungan bagi lima hari pertama kemasukan kerana tempoh tersebut adalah perlu dan munasabah dari segi perubatan untuk penstabilan awal dan pemantauan, manakala hari-hari berikutnya tidak memenuhi kriteria untuk rawatan pesakit dalam.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Berikutan penilaian ini, penanggung insurans bersetuju untuk menyemak semula keputusannya dan menyelesaikan sebahagian tuntutan bagi tempoh lima hari yang mempunyai justifikasi perubatan. Di samping itu, penanggung insurans bersetuju untuk menilai manfaat berkaitan sebelum dan selepas kemasukan ke hospital, serta elaun tunai harian bagi tempoh lima hari kemasukan yang diperlukan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>Tim was hospitalised from 31 July to 10 August 2024 for severe congestive cardiac failure secondary to dilated cardiomyopathy. What began as an urgent admission requiring close medical supervision later became the subject of a dispute when his insurer declined his claim for hospitalisation benefits. The insurer maintained that the full 11-day stay was not [&hellip;]<\/p>","protected":false},"author":4,"featured_media":9980,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[25,27],"tags":[],"class_list":["post-9977","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-case-studies","category-insurance-takaful"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Inpatient Versus Outpatient Treatment - FMOS<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fmos.org.my\/bm\/inpatient-versus-outpatient-treatment\/\" \/>\n<meta property=\"og:locale\" content=\"ms_MY\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Inpatient Versus Outpatient Treatment - FMOS\" \/>\n<meta property=\"og:description\" content=\"Tim was hospitalised from 31 July to 10 August 2024 for severe congestive cardiac failure secondary to dilated cardiomyopathy. 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