Jenis-Jenis Polisi Asas Dalam Insurance Hayat


1)INSURANCE BERKAITAN DENGAN PELABURAN

  • syarikat insurance hayat akan mengunakka premium anda untuk membeli perlindungan insurance hayat dan unit saham.harga unit saham tersebut adalah mengikut prestasi pelaburan dana yang diuruskan.manfaat yang akan dibayar kepada penama atau anda adalah mengikut harga unit saham pada masa anda meyerahkan polisi atau apabila anda meniggal dunia.

2)INSURANCE BERTEMPOH

  • untuk polisi ini,perlindungan insurance hanya ditawarkan pada tempoh terhad sahaja.wang manfaat akan dibayar apabila anda mengalami hilang upaya meyeluruh dan kekal atau meninggal dunia semasa dalam tempoh polisi.

3)INSURANCE ENDOWMEN

  • polisi yang mengabungkan perlindungan dan tabungan.wang manfaat akan dibayar pada akhir tempoh yang ditetapkan akibat kematiana atau anda mengalami hilang upaya meyeluruh dan kekal.jika anda masih hidup ketika polisi matang,maka anda akan mendapat wang berkenaan atau wang tersebut diberikan kepada penama jika anda mati
[wajib baca: jenis-jenis takaful]


4)PELAN ANUITI HAYAT

  • anuiti ialah siri bayaran yang dibuat kepada anda sehingga anda meninggal dunia.ada dua jenis anuiti iaitu anuiti serta merta dan anuiti tertunda

5)MORTAGE REDUCING TERM ASSURANCE-MRTA

  • polisi ini memberikan perlindungan insurance yang merangkumi pembayaran balik pinjaman pembelian hartanah tertunggak kepada institusi kewangan jika belaku kematian,hilang upaya atau sakit kritikal kepada peminjam


6)INSURANCE HAYAT SEUMUR HIDUP

  • memberikan perlindugan sepanjang hayat dan anda perlu membayar wang premium seumur hidup anda.wang manfaatnya termasuk bonus, akan dibayar setelah anda meninggal dunia atau anda mengalami hilang upaya kekal dan menyeluruh
[wajib baca: jenis-jenis takaful]

7)RIDER TAMBAHAN/RIDER PERLINDUNGAN

  • rider ialah perlindungan tambahan yang dilampirkan bersama pelan insurance asas anda seperti endowmen atau seumur hidup. rider  memberikan anda fleksibiliti untuk memenuhi keperluan anda seperti perlindungan terhadap hilang upaya, kemalangan atau masuk hospital.walaubagaimanapun anda perlu membayar premium tambahan.


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