Di pagi yg mulia ini my heart terpanggil untuk share one true story sebagai kesedaran and juga pedoman to all. This true story ade relation with "Kepentingan Mempunyai Insurance".
First of all I'll explain skit what is insurance.Insurance ni actually is divided into two. One is medical and the other one is life insurance.But nowadays, kebanyakkan company buat package yg combine this two insurance.Only a few company je yg kite boleh pilih salah satu.One of the company yg menawarkan pilihan iaitu stand alone & package is MAA Takaful.
What is the different between this two insurance (Medical & Life)??
Medical Insurance is cover utk segala bil2 hospital while Life Insurance adalah insurance dalam bentuk pampasan.Means jika penama meninggal, maka waris akan dapat duit pampasan yg ditinggalkan oleh si mati.Selain itu, life insurance ini jugak akan memberi pampasan kepada penama jika penama accident (warded, MC and also hilang upaya kekal).Jika penama accident and MC for 2 months, so setiap minggu penama akan dapat cash money.But pampasan yg sebegini bukan suma insurance cover (weekly allowance).MAA Takaful have this benefits.Setakat I compare a few insurance, in my personal opinion, MAA Takaful is the best..Plus its own by muslim and totally islamic.
MAA Takaful jugak tiada mengamalkan sistem ko-takaful.Ko-takaful ni adalah utk bayaran bil hospital.I give one example.Lets say Client A masuk hospital and total bil adalah RM10000.Jika insurance yg mempunyai ko-takaful, maka Client A ni need to keluar duit byr ko-takaful sebanyak 10% iaitu in this case is RM1000.10% ko-takaful is large amount tau.Sebab my example is just RM10k, if Client A ni tad warded and total bil kne byr is RM40k for example, so RM4000 kne byr duit sendiri.If MAA Takaful, no need to keluarkan duit pun, 100% covered by MAA Takaful.Ramai client yg tak tau mengenai issue ni.Jika sekarang pun, ade a few companies yg claim xde Ko-Takaful, you need to read carefully.Sebab ada hidden charge disebaliknya.So beware..and survey dulu before masuk any insurance.Promotion secara besar-besar not means yg "Produk" ditawarkan adalah bgs.As pengguna we have right utk tau details produk sebelum setuju or masuk any insurance.
What is "Takaful" actually??
Takaful ni means its Islamic fund.Di mana fund yg ada hanya akan di "invest" kepada company yg menjalankan perniagaan halal sahaja and takaful mempunyai charge tabarru'.I'll not explain too details mengenai this one.But as a Muslim, pilihlah Takaful insurance.Sebab senang cite takaful ni adalah Islamic while conventional adalah bukan islamic.Penting utk ambik Islamic sebab insurance skrg ade pelaburan.Ada dividen (keuntungan) kepada client jika melabur.Utk info umum, charge Tabarru' ni is different between insurance company.So cariklah company yg offer charge yg plg rendah.Sebab kalau charge mahal, duit saving you all jugak yg this insurance company akan ambik.Rugi kepada client.
Ok laa..dah panjang pulak explain about insurance..We get back to "True Story" yg I wanna cite today.Baru-baru ni ade one of staff yg kerja satu company with me, but he is in branch while I'm at Hq.So actually tak kenal pun staff ni, same company tapi sebab tak same office.
So, what happen to this staff?.On monday hari tu, dapat sms yg inform staff ni telah kembali ke rahmatullah.So ble read the msg, simpati and sedekah Al-Fatihah.Then ok la..Continue kerja like usual.Mcm I said before, I mmg tak kenal this staff.So thats all tindakan yg I can do.But suddently today, staff yg sit beside me dah naik kerja after holiday for two days.Then he ask me..Kenal tak dgn staff yg meninggal tu?.I mmg tak kenal.I tanya..staff tu meninggal sakit ape?.Dia ckp jantung.Sakit jantung ni kalau kne mmg suddently.Jantung ni tak mcm kanser.Kanser take time, so family sempat utk jaga family member yg sakit ni, sempat wat preparation and etc laa..Tp kalau jantung, mmg tbe2.Kne je, majority meninggal and ada a few yg bernasib baik still boleh wat bypass and etc.
I still continue asking my officemate ni tad.I tanya wife si mati kerja tak?.Anak ramai?.My officemate ckp wife tak kerja, anak 4 org.Yg first baru tgh nak SPM this year.Hmmm..Then my friend added yg wife si mati inform yg si mati mmg takde tinggalkan duit saving ke apa.My friend ni mmg kenal dgn si mati.Org sekampung.Bile I heard like that.Bertambah-tambah simpati.Sebab yg meninggal da tinggalkan dunia selama-lamanya, but yg hidup perlu teruskan kehidupan.Anak-anak perlu makan, perlu dapat keperluan, perlu sekolah.So in my mind, mane nak dapatkan sumber kewangan.Tambahan pulak my friend inform yg this family menyewa rumah.So how nak bayar?.Sedangkan si isteri tak bekerja and suami takde tinggalkan ape2.Kte bukan laa nak mintak harta yg byk.But in condition skrg.Duit mmg perlu utk teruskan kehidupan.Bile sumber pendapatan hilang, hilang segalanya.My story bukan nak burukkan sesape.But sekadar pedoman utk kte yg masih hidup utk wat persediaan for our family.
If this situation happen.Baru org nampak kepentingan mempunyai insurance.Utk info, jika si mati mempunyai insurance.Jumlah yg waris akan dapat jika client meninggal..MINIMUM dlm RM30 000. Bergantung kepada nilai caruman.RM30k ni utk caruman hanya RM100 sebulan.Urusan kebumi akan dpt sebanyak RM2000 dlm masa 24 jam selepas penama meninggal.Baki lg RM5000 akan dapat dlm tempoh masa 2 minggu.Manakala lg RM30k tadi akan dpt dlm masa sebulan.RM30k tu tak tolak yg RM7000 tu tadi ye.Jika nilai caruman bulan anda tinggi.Iaitu lebih kurang RM150 sebulan.So nilai yg waris boleh dpt ialah sebanyak RM70k hingga RM100k.Nilai ni boleh diubah as per client request.
Jika si mati mempunyai insurance, so for first 6 months until setahun pertama insyaallah boleh survive.Jika nilai pampasan adalah tinggi, lebih daripada setahun insyaallah boleh survive.Dlm masa tempoh setahun tu, waris dah boleh settle down, carik sumber pendapat.Tapi jika takde insurance mcm mane??..Sumber kewangan terhenti serta-merta.Jika ada caruman ASB pun, jika meninggal, maka waris hanya boleh tuntut apa yg dibayar sahaja.Its good too have ASB saving, if you already have insurance because ASB and insurance is different.Insurance ni..Lets say client baru masuk sehari, then meninggal Warus still akan dpt pampasan.Insurance also have khairat kematian sebanyak RM7000 (urusan kebumi and etc).Ni suma cash money.Then ada basic sum cover.Yg ni adalah nilai pampasan jika client meninggal iaitu RM30k, RM50k, RM100k and etc.Suma details yg saya inform ni adalah mengenai MAA Takaful.
Jika you need to find detail info mengenai MAA Takaful, I think this web have a good info.
Just click here..www.teralogies.com.
If ada antara anda interested nak tau info mengenai MAA Takaful, you can email me at littleprecious12@gmail.com, whatsapp or sms me at 019-357 3177.I'm not an agent But I can explain this MAA Takaful and I know MAA Takaful agent that serve me the best!.
I'll explain what I know.
As client or customer, you have right to know what you paid every month or every year.
So..Choose product yg give a lot of benefits to you..Make the right choice!!!
Just additional info,usually chinese their thinking mmg berbeza.Walaupun clerk not manager, not even executive, majority mmg have insurance, because they know the benefits behind it!.Plus in current conditions medical charge is too high and we cannot bear the cost if without insurance.We also cannot fully depend at goverment hospitals.
I hope this entry can change our view about insurance. The importance if it!.And actually nowadays Insurance dah jadik satu keperluan. Mcm kereta, rumah and even handphone pun dah jadik satu keperluan skrang..So why not we change our mindset jadikan insurance ni is a must.
We cannot predict future. But we can prepare for the future..Sediakan payung sebelum hujan..:)
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