Saturday 23 July 2016

Disposable Diapers Review (Malaysia) | MamyPoko ・ Goo.N ∙ Huggies ∙ Pet Pet ∙ Drypers |

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ʺHow many diapers does a baby go through in total?
How much $ will I spend on diapers over time?
What is inside diapers?
Which is best: Cloth vs. Disposable diapers?
Which diaper should I buy? ʺ
Childcare is a difficult job. Above are some of the common questions for new parents and many parent agonize over.

Now I would like to share some of my experience on diapers. This would be a genuine diaper review from me. I know many parents have been searching for good diapers at affordable price. Like most parents, both pricing (cost per diaper) and quality (cloth texture, superb absorbency, breathable, non-allergenic)  are IMPORTANT for me as this is gonna be daily use for at least 2 years before my LO is qualified to do the potting training. My baby girl is 17mo now. I had tried so many types of diapers, and below are some of the diapers that I feel like sticking to.

Let me start with my favorite choice first. [I will use * to indicate my preference]

DIAPERS:
MamyPoko TAPE *****
PROS: MamyPoko Air Fit Tape Diaper is about as close to a cloth diaper as a disposable can be. The materials used are truly fabric-like, which presents a great fit and soft feel. MamyPoko diapers make every effort at being hypoallergenic and good for baby with no chlorine, dyes, or latex. MamyPoko uses SAP (most diapers are using this technology now) but with better quality construction and materials, the likelihood that our baby will come in contact with the little jelly blobs after wetting is lesser compared to other disposables. It has superb absorbency up to up to 12 hours of urine! (MamyPoko is very suitable for night use as it reduces my LO’s waking up frequency due to diaper wetting). MamyPoko diaper has a wetness indicator and the cartoons were very cute.
CONS:  Expensive @ RM1.20 (based on non-offer price) cost per diaper [RSP: RM65 for L54]. But for the best quality, MamyPoko would be my top pick as it is more affordable compared to Merries (with the similar quality but with bloody expensive price).  However, you may keep stocks when there is crazy offer at lazada (click here to grab the offer). It is a great deal where you may get up to 80% discounts.

GOO.N TAPE ****
PROS: It is thin, comfy, and very suitable for both day and night use. It is good as it will not leak and it is non-allergenic where it won’t cause diaper rashes.
CONS: It becomes soggy when it gets wet. Price is quite expensive @ RM1.15 (based on non-offer price) [RSP: RM39.10 for L34]. Remember to check out lazada (click here to grab the offer) for greater deals too. You will get it at super cheap price.

HUGGIES TAPE ***
PROS: Price is cheap @ RM0.70 (based on non-offer price) cost per diaper [RSP: RM42 for L60]. We usually can get it at RM32-RM35 during offers and the quality is good. I love it as it causes no rash, no leak, and it is quite comfy. This diaper is very suitable for day use as it won’t cause rashes with continuous use.
CONS: The absorbency of this diaper is not that good, it may not suitable for baby boy who has higher urine volume; it will leak when it is very wet and too full. I would say it is not suitable for night use.

DRYPERS TAPE (BLUE PACKING)
PROS: It is cheap @ RM0.58 cost per diaper [RSP: RM36 for L62] and we can easily get it at about RM30 during promotions either online or in-stores.
CONS: It will become loose and soggy when it gets wet. And, it will cause slight redness and rashes when using it continuously. The diapers are a bit thicker compared to others, where my LO’s thighs will be wide-opened when she wears it.

PET PET TAPE (ORANGE PACKING)
PROS: It is cheap @ RM0.57 cost per diaper [RSP: RM36.50 for L64]. We can get it at about RM30 during offers as well.
CONS: I love the old packing where it used to be cheap with good quality. But since they changed the new packing and formulas last year-end, leaking seems to be a common problem to us. We won’t buy this diaper anymore.

RECOMMENDED BABY WIPES
Goo.N Baby Wipes **
PROS: Made from 99% pure water and can be used to wipe hands and face. I personally prefer something with natural ingredients and no additives.
CONS: Not easy to get the stocks in local stores and hypermarkets.

BEST-EVER BABY BUTT CREAMS
SUDOCREM *****
PROS:  Just apply a thin layer; Sudocrem can actually heal the rashes after one time use. Other than the LO’s butt, it can be used on face and body as well.
CONS: Price maybe slightly higher than the usual baby creams where we get it at RM16 for 60gm and RM23 for RM120gm from the local pharmacies.


Happy baby, happy life ^_^.
Hope you all find this review helpful. 
And....don't forget to grab great deals at LAZADA (click to grab the offer) for coming 27-31 July 2016. You can get up to 80% discounts!!! Do check out daily for the current crazy flash sales!


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Monday 18 July 2016

9 benefits of SOCSO | How much do you know?





Just wonder how many of you know full benefits of SOCSO? For me, I would say this is the best and most comprehensive insurance policy offered by government. It is even better than the private insurance. Let me summarize the important points of SOCSO here. **There are lots of money can be claimed**
 
Basically, there are 2 categories of SOCSO insured person as follow:
First Category (Employment Injury and Invalidity Schemes)
For those below 60 years old, the rates of contribution under this category comprise of 1.75% employer’s share and 0.5% employee’s monthly wages.
CLICK HERE for rate of contributions.
 
Second Category (Employment Injury Scheme)
For those above 55 years old when he first register and contribute to SOCSO but below 60 years old, the rate of contribution under this category is only 1.25% of the employee’s monthly wages solely borne by employer.

There are 2 types of benefits (i.e. Employment Injury Scheme Benefits and Invalidity Scheme Benefits) can be enjoyed by SOSCO insured person.

 

9 Benefits of Employment Injury Scheme:

1) MEDICAL BENEFIT [Free medical treatment at all SOCSO's panel]
Employees suffering from employment injuries or occupational diseases may receive free medical treatment at SOCSO’s panel clinic or Government clinic / hospital. Treatment must be continued until they are fully recovered.

CLICK HERE for more details. 

2) TEMPORARY DISABLEMENT BENEFIT [
The daily rate is minimum of RM30.00 per day to maximum of RM105.33 per day]
Temporary Disablement Benefit is paid for the period the employee is on medical leave certified by a doctor for not less than four (4) days including the day of accident. However, Temporary Disablement Benefit will NOT be paid for the days for which the employee works and earns wages during this period.

CLICK HERE for more details. 

3) PERMANENT DISABLEMENT BENEFIT [Permanent disability assessment payment claim and daily rate is minimum of RM30.00 per day to maximum of RM118.50 per day]
Permanent Disablement is defined as a permanent disability due employment injury that reduces employees’ ability to perform his duties. The employee can claim this benefit after the last day of temporary disablement.

CLICK HERE for more details. 

4) CONSTANCE-ATTENDANCE ALLOWANCE [Allowance is fixed at RM500 per month]
This allowance is paid to an employee who is suffering from total permanent disablement and is so severely incapacitated as to constantly require the personal attendance of another person.

CLICK HERE for more details.  

5) FACILITIES FOR PHYSICAL OR VOCATIONAL REHABILITATION [Free physical and vocational rehabilitation provided]
Rehabilitation facilities may be provided free of charge by the Organization to an employee who suffers permanent disablement.

CLICK HERE for more details. 

6) RETURN TO WORK PROGRAMME
SOCSO’s Return to Work (RTW) program was introduced on the 15th of January 2007 for Insured Person suffering from employment injury or claiming to be invalid. The Return to Work program involves a proactive approach taken in helping Insured Person with injuries or diseases, opportunities to safe and productive work activities as soon as it is medically possible or when maximum medical improvement is achieved with a primary focus of minimizing the impact of injuries or disabilities.

CLICK HERE for more details. 

7) DEPENDANTS' BENEFIT [Daily rate is minimum of RM30.00 per day to maximum of RM118.50 per day]
If an employee dies as a result of employment injury, his dependents are eligible to this benefit.

CLICK HERE for more details. 

8) FUNERAL BENEFIT [Amount paid will be the actual amount incurred or RM1500 whichever is lower]
Funeral Benefit will be paid to the eligible person as prescribed in the Act, if the employee dies due to any cause. In the absence of such person, the benefit will be paid to the person who actually incurs the expenditure.

CLICK HERE for more details. 

9) EDUCATION BENEFIT [Education Loan interest fixed at 2%pa]
Education Benefit is a SOCSO benefit that can come in the form of education benefits or scholarships to dependent beneficiaries based on PERKESO’s Benefits Schedule and meet the SOCSO's requirement.


8 Benefits of Invalidity Scheme:
1) INVALIDITY PENSION [Pension amounting to 1/3 of the average salary or min. RM475 per month]
Insured person will receive a pension amounting to 1/3 of the average salary that the employee is receiving before the disability invalidity

Invalidity is defined as permanent morbid conditions that are unlikely to be cured which ultimately cause a loss of income for the employee.

Coverage includes invalidity caused by any circumstances not relating to work. This includes invalidity due to chronic diseases such as heart attacks, kidney failure, cancer, mental illness, asthma and so forth.

CLICK HERE for more details. 

2) INVALIDITY GRANT [For those paid less than 12 monthly contributions]
Invalidity Grant is payable to the eligible insured persons who have been certified invalid by the Medical Board but not eligible for invalidity pension due to failure to complete any qualifying conditions.

CLICK HERE for more details. 

3) CONSTANCE-ATTENDANCE ALLOWANCE [Fixed at RM500 per month]
This allowance is paid to an employee who is suffering from invalidity and is so severely incapacitated as to constantly require the personal attendance of another person, certified by Medical Board.

CLICK HERE for more details. 

4) SURVIVORS' PENSION [The rate of Survivors’ Pension for full qualifying period is from 50% to 65% of the average of assumed monthly wage subject to a minimum pension of RM475 per month]
Survivors’ Pension is payable to the eligible dependents of an insured person who dies irrespective of the cause of death not related to employment.

CLICK HERE for more details. 

5) FUNERAL BENEFIT [The amount paid will be the actual amount incurred or max RM1500]
Funeral Benefit will be paid to the eligible person as prescribed in the Act, if the employee dies due to any cause. In the absence of such person, the benefit will be paid to the person who actually incurs the expenditure.

CLICK HERE for more details.

6) FACILITIES FOR PHYSICAL OR VOCATIONAL REHABILITATION AND DIALYSIS
Rehabilitation facilities are made available by SOCSO for physical and technical rehabilitation for all employees that have permanent disabilities, and all costs will be borne by SOCSO based on prevailing terms and conditions.

CLICK HERE for more details.

7) RETURN TO WORK PROGRAMME
SOCSO’s Return to Work (RTW) program was introduced on the 15th of January 2007 for Insured Person suffering from employment injury or claiming to be invalid. The Return to Work program involves a proactive approach taken in helping Insured Person with injuries or diseases, opportunities to safe and productive work activities as soon as it is medically possible or when maximum medical improvement is achieved with a primary focus of minimizing the impact of injuries or disabilities.

CLICK HERE for more details. 

8) EDUCATION BENEFIT [Education Loan interest fixed at 2%pa]
Education Benefit is a SOCSO benefit that can come in the form of education benefits or scholarships (For education benefits at diploma and degree level education, borrowers may apply to convert their loans into scholarships if the final academic results fulfill the conditions set by SOCSO) to dependent beneficiaries based on PERKESO’s Benefits Schedule and meet the SOCSO'Ss requirement.

CLICK HERE for more details. 

NOTE:
1. To check your registration status CLICK HERE 
2. The insured person must have monthly contribution been paid for at least 24 months within a period of 40 consecutive months preceding the month of his death.
3. Making claims - To apply, Insured Member person must complete and submit the following:
  1. Invalidity Notice (Form PKS (F) 41)
  2. Medical report
  3. A copy of the Insured Person’s Identification Card