{"id":9983,"date":"2026-04-29T14:34:41","date_gmt":"2026-04-29T06:34:41","guid":{"rendered":"https:\/\/www.fmos.org.my\/?p=9983"},"modified":"2026-04-29T15:24:17","modified_gmt":"2026-04-29T07:24:17","slug":"dispute-over-travel-curtailment-following-illness-abroad","status":"publish","type":"post","link":"https:\/\/www.fmos.org.my\/bm\/dispute-over-travel-curtailment-following-illness-abroad\/","title":{"rendered":"Pertikaian Mengenai Pemendekan Perjalanan Susulan Sakit di Luar Negara"},"content":{"rendered":"<p class=\"wp-block-paragraph\">John jatuh sakit akibat demam ketika transit di Singapura dalam perjalanan ke Jepun. Beliau mendapatkan rawatan perubatan, menjalani beberapa ujian yang menunjukkan keputusan negatif, dan diberikan ubat. Selepas berehat dan membuat pengaturan penerbangan alternatif, beliau meneruskan perjalanan ke Jepun. Setibanya di Jepun, keadaannya bertambah buruk, menyebabkan beliau mendapatkan rawatan lanjut.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Disebabkan kebimbangan mengenai kos perubatan dan halangan bahasa, John memutuskan, selepas berbincang dengan keluarganya, untuk pulang ke Malaysia bagi mendapatkan rawatan manakala keluarganya meneruskan perjalanan mereka.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Penanggung insurans menolak tuntutannya mengenai pemendekan perjalanan tersebut atas alasan bukti perubatan dari SIngapura dan Jepun tidak mencukupi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>PENEMUAN<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">John mendapatkan rawatan perubatan di Singapura dan Jepun. Beliau meneruskan perjalanannya selepas berasa lebih baik di Singapura tanpa sebarang diagnosis yang dikenal pasti pada ketika itu  dan keputusan ujian COVID-19, influenza, dan denggi adalah negatif. Di Jepun, ujian lanjut juga memberikan keputusan negatif.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">John menyatakan kebimbangan mengenai kos perubatan dan halangan bahasa di Jepun. Pemendekan perjalanan dianggap munasabah kerana kepulangannya ke Malaysia dapat mengelakkan kos yang lebih tinggi untuk beliau dan keluarganya daripada membeli tiket penerbangan pulang yang baru.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Setibanya di Malaysia, beliau segera dimasukkan ke hospital dan ujian diagnostik lanjut mengesahkan bahawa beliau menghidap pneumonia Klebsiella. Semua kos rawatan perubatan di Malaysia telah ditanggung oleh penanggung insurans perubatannya.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>KEPUTUSAN<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Berdasarkan keseluruhan keadaan, pengurus kes menekankan bahawa penanggung insurans sepatutnya mempertimbangkan tuntutan pemendekan perjalanan tersebut. Penanggung insurans kemudiannya meneliti semula keputusannya dan mengemukakan tawaran penyelesaian yang disemak semula. John menerima tawaran tersebut dan pertikaian berjaya diselesaikan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>John fell ill with a fever while transiting in Singapore en route to Japan. He sought medical treatment, underwent tests that returned negative results, and was prescribed medication. After resting and with alternative flight arrangements, he continued his journey. Upon reaching Japan, his condition worsened, leading him to seek further medical attention. Due to concerns [&hellip;]<\/p>","protected":false},"author":4,"featured_media":9986,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[25,27],"tags":[],"class_list":["post-9983","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>Dispute over Travel Curtailment following Illness Abroad - 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\/dispute-over-travel-curtailment-following-illness-abroad\/\" \/>\n<meta property=\"og:locale\" content=\"ms_MY\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Dispute over Travel Curtailment following Illness Abroad - FMOS\" \/>\n<meta property=\"og:description\" content=\"John fell ill with a fever while transiting in Singapore en route to Japan. 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