Insurance

Medical & Health Insurance what is medical & health insurance? Medical and Health Insurance (MHI), is an insurance policy which is designed to cover the cost of private medical treatment, which can be very expensive, especially with hospitalisation and surgery. MHI also ensures that you won't have to worry about the cost of seeking treatment during emergencies. In addition, MHI also provides you with an income stream while you undergo treatment. The main policies of medical & health insurance Hospitalization and surgical insurance Provide for hospitalization and surgical expenses that incurred due to illnesses covered under the polivy Dread disease or critical illnesses insurance Give you a lump sump advantage upon diagnosis of any  of 36  specified illnesses  or dread diseases .for a list of  the 36 dread disease,Please contact a licensed insurance company Disability income insurance Provides an income stream to replace...

child education policy What is child education policy? The child education policy is a life insurance product specially designed as a savings tool to provide an amount of money when your child reaches the age for entry into college (18 years and above). The funds can be used to pay for your child's higher education expenses. Under this policy, the child is the life assured, while the parent/legal guardian is the policy owner. If you opt for a pay or benefit rider, the education policy also provides assurance that, in the event of the policy owner's untimely demise, the child will have access to the funds to help finance his or her studies. Why do you need a child education policy? The cost of higher education is increasing. The need for access to higher education and the cost will put a financial strain on you and your family. That is why it is important to start planning for your child's education as soon as possible, because the earlier you begin, th...

Life insurance What is life insurane? Buying life insurance for you and your loved ones helps provide some financial security in times of hardship. The money from your policy will be paid to your loved ones when you pass away or to you should you suffer a total and permanent disability or loss. Can I get income tax relief from life insurance? Yes, You can claim for tax relief of up to a maximum amount of RM6,000 per year for an ordinary life policy. This is inclusive of any contributions you have paid to an approved retirement benefit scheme such as the Employees Provident Fund or other pension scheme. Why I should buy life insurance? To ensure that your immediate family has some financial support after your demise To finance your children’s education To have a savings plan for the future so that you have a constant source of income after retirement To ensure that you have extra income when your earnings are reduced due to serious illness or accident ...

investment-linked insurance What is investment-linked insurance? An investment-linked insurance plan is a life insurance that combines investment and protection. Your premiums provide not only a life insurance cover, but part of the premiums will also be invested in specific investment funds of your choice. You get to choose how to allocate your insurance premiums towards protection and investment. Why I should buy investment-linked insurance? You want the flexibility to choose your own level of protection and investment You wish to vary the amount of your premium payments or coverage based on your own personal financial situation. You have the flexibility to choose the type of funds based on your risk aptitude You want a savings plan to maintain your standard of living after retirement. The basic type of investment-linked insurance plans 1)Single-premium plan A single premium-plan features a single lump-sum premium payment, so you don’t h...

Retirement Annuity What is retirement annuity? A retirement annuity is a contract by which an insurance company agrees to provide you with a stream of income during your retirement years. Generally, a retiree may need about 60% of his/her last drawn salary to maintain his/her existing standard of living during retirement. The Employees Providence Fund (EPF) contribution can be an important source of retirement income, but a study by EPF also showed that majority of contributors spent all their savings within three years of withdrawal upon retirement. Retirement annuities ensure that you are taken care of for the rest of your life saving for an annuity It is advisable to start saving as early as possible during your working years to build enough funds to provide you with a worthwhile income when you retire. However, should you have a savings arrangement that enables you to do so, it is still possible to purchase an immediate annuity upon your retirement. Alt...

info tentang insurans hayat  anda perlu membeli insurans hayat untuk diri sendiri atau untuk orang tersayang,hal ini kerana insurans hayat dapat membantu anda dari segi kewangan ketika anda mengalami kesusahan.waris anda juga berhak menerima sejumlah wang daripada polisi anda jika anda meninggal dunia,selain itu anda juga boleh menerima pampasan keatas sebarang kecacatan kekal yang menimpa anda. ok..lepas dah tahu kelebihan insurans hayat mesti anda dah excited nak beli insurance hayat kan.. but...sabar dulu,,sebelum anda beli insurans hayat anda perlu tahu perkara-perkara yang penting dalam insurns hayat nie,,lepas dah faham baru beli insurans hayat yang sesuai untuk anda. jadi duduk dulu,dan baca apa yang saya nak share nie.. perkara penting dalam insurans hayat kepentingan membeli insurans hayat panduan membeli insurans hayat  memahami kontrak insurans hayat jenis polisi asas dalam insurans hayat kepentingan penama dalam insurans hayat jika...

kepentingan membeli insurance hayat yuk konfirm mesti ramai lagi yang xde insurans hayat kan.. mesti uols fikir,,buat ape beli insurance hayat..bukan penting pun.. lagipun uols dah ada medical card... ok xpe...arie nie yuk nak share kepentingan membeli insurance hayat untuk orang yang tersayang kenapa saya wajib membeli insurans hayat? supaya anda memiliki pelan tabungan untuk masa hadapan sebagai sumber pendapatan selepas anda bersara jika anda meniggal dunia, keluarga terdekat akan mempunyai wang tunai dan sumber pendapatan  memastikan anak anda mempunyai wang intuk pendidikannya urm,,betul lar,,penting jugak insurance hayat nie..nak beli lar.. tapi..polisi ape yang patut saya beli?? ok meh yuk bagi tips tentang polisi  yang anda patut beli apakah polisi yang patut saya beli??

sebelum kita berbincang tentang kepentingan penama dalam kontrak insurance hayat.. saya nak taya dulu..kenapa kita membeli insurance hayat?? mestilah anda akan jawab untuk melindungi orang tersayang dari segi kewangan sekiranya terjadi sensuatu yang buruk berlaku keatas mereka kan.. jadi..jika anda membuat penamaan keatas kontrak insurance hayat anda..proses pengagihan wang polisi akan dapat dilakukan dengan lebih cepat. apa yang berlaku jika anda gagal untuk membuat penamaan? jika anda gagal untuk membuat penamaan, syarikat insurance hanya akan membayar wang polisi kepada pemohon yang mengemukakan perintah probet atau surat kuasa perintah pembahagian atau mentadbir. tetapi ,tengok atas budi bicara  syarikat insurance jgak..sebab syarikat insurance boleh membuat bayaran kepada pihak yang menuntut tanpa dokumen-dokumen tersebut. bilakah anda perlu membuat membuat penamaan? penamaan boleh dibuat ketika anda memohon polisi tersebut jika anda berumur 18 tahun ...

tips sebelum membeli insurance hayat sape kat cni dah ada plan nak beli insurance hayat??angkat tangan ckit.. ok..tapi uols dah tahu ke panduan atau tips sebelum membeli insurance hayat atau life insurance nie?? x tai??klau x tau camne nak beli..huhu.. uols jgan beli klau x buat survey atau belajar tentang insurance hayat nie.. bukan ape..takut kena tipu je. sebelum beli tu...penuhkan ilmu di dada dulu..baru org xleh nak tipu kita kan.. xpe2..jgn sedih2..arie nie biar saya bagi tips ckit dalam membeli insurance hayat.. for those yang angkat tangan tadi..wajib baca..info penting nie. panduan dalam membeli 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-...

kontrak polisi insurance hayat sebelum membeli insurance hayat tu..kna lar baca kontrak dulu.. baca syarat2 dia..baru beli.. jangan main beli je..baca dan faham kontrak anda dulu... klau x faham..tanya je kdp penjual insurance tu.. dengan pembelian insurance hayat ,tidak  kira lar untuk anda atau mereka yang tersayang ,akan menjajikan jaminan kewangan sewaktu susah.jika anda meninggal dunia,waria anda akan mendapat sejumlah wang.anda juga boleh  menerima pampasan jika anda mendapat kecacatan kekal. [wajib baca: jenis-jenis insurance ] tapi..perlu ingat..semua pampasan hanya akan diberi jika anda follow semua syarat yang ditetapkam dalam kontrak polisi insurance hayat anda.jika x follow syarat anda tidak akan mendapat sebarang pampasaan. sebab tu saya suruh anda baca dan faham dulu syarat2 dalam kontrak insurance hayat anda sebelum anda beli...ok..jgn sedih2.meh saya cerita ckit pasal perkara penting dalam konrak polisi insurance hayat. perkara penting dalam k...

adakah anda tahu yang insurance pun ada banyak jenis? x tau...yeah..yuk ada geng.. yuk pun x tau insurans nie ada banyak jenis..igtkan ada 1 jenis je..hihi mungkin ada yang kat cni mmang dah tahu yang insurans nie ada banyak jenis,, tapi..adakah anda benae2 memahami ciri-ciri skop perlindungan tersebut? ke uols main ambik je haha... yelar..mana sempat nak survey kan..polisi insurance yang ditawarkan pun bnyak.. pening...x tau nak pilih yang mana.. so arie nie yuk akan explain jenis2 insurans yang ada.. baca tau..supaya anda boleh memilih polisi insurans yang terbaik untuk anda,, sebaiknya..sebelum membeli insurans,,penuhkan dulu ilmu di dada.. sbb nanti senang nak tnya kat kat penjual insurance tu..huhu..

kadang-kadang kita nie selalu konpius..antara insurance dan takaful.. apakah insurance? apakah takaful? ada perbezaan ke antara insurance dan takaful nie?? ke benda yang sama je?? persoalan nie yang selalu menjadi tanda tanya kita kan. x yah pening2..hari nie yuk akan explain tentang insurance dan takaful.. jadi lepas nie anda akan lebih memahami tentang insuran dan takaful apakah insurans?