Saya mempunyai medical card eTiQa Takaful, apa yang dilindungi?
Medical card eTiQa Takaful atau nama betulnya Medic Save Rider banyak membantu anda dikala anda amat memerlukan bantuan perubatan. Medical card ini digunakan jika anda dimasukkan ke hospital (warded), bukan untuk out-patient.
Tujuannya adalah untuk membantu anda membayar bil-bil hospital yg melambung tinggi sekarang, terutamanya di hospital swasta macam kes ibu En Firdaus yang saya share sebelum ni.
Ada sahabat2 saya di agensi kerajaan kata mereka tak perlukan medical card, sebab government dah cover 'semua'. Saya tanya balik, 'semua' tu apa? Mereka kata mereka hanya perlu daftar di hospital kerajaan untuk dapatkan bantuan perubatan. tapi cuba anda bayangkan, adakah anda akan mendapat bantuan perubatan SEGERA jika anda mendaftar di hospital kerajaan?
Jadi, ini saya perkenalkan medic save rider medical card yang dapat membantu anda:
klik la kat gambar2 tu untuk view lebih jelas ok
Berikut saya paparkan benefit yg akan anda dapat sekiranya anda memiliki medical card ni:
dermakan kepada tabung Tabarru' kami lebih kurang RM40-Rm100 sebulan dan anda akan mendapat manfaat seperti di atas. Bukan kah lebih tenang jiwa dan perasaan kite jika kita semua sudah bersedia dengan bantuan perubatan dikala penyakit menimpa?
Read more...
Tujuannya adalah untuk membantu anda membayar bil-bil hospital yg melambung tinggi sekarang, terutamanya di hospital swasta macam kes ibu En Firdaus yang saya share sebelum ni.
Ada sahabat2 saya di agensi kerajaan kata mereka tak perlukan medical card, sebab government dah cover 'semua'. Saya tanya balik, 'semua' tu apa? Mereka kata mereka hanya perlu daftar di hospital kerajaan untuk dapatkan bantuan perubatan. tapi cuba anda bayangkan, adakah anda akan mendapat bantuan perubatan SEGERA jika anda mendaftar di hospital kerajaan?
Jadi, ini saya perkenalkan medic save rider medical card yang dapat membantu anda:
klik la kat gambar2 tu untuk view lebih jelas ok
Berikut saya paparkan benefit yg akan anda dapat sekiranya anda memiliki medical card ni:
dermakan kepada tabung Tabarru' kami lebih kurang RM40-Rm100 sebulan dan anda akan mendapat manfaat seperti di atas. Bukan kah lebih tenang jiwa dan perasaan kite jika kita semua sudah bersedia dengan bantuan perubatan dikala penyakit menimpa?Bagaimana cara untuk mengeluarkan wang dari akaun takaful?
Tahukah anda sesetengah pelan eTiQa Takaful membenarkan anda mengeluarkan sebahagian daripada simpanan anda? contohnya; pelan eTiQa Mesra, eTiQa Prima, eTiQa Warisan, eTiQa Sarjana, dan eTiQa Sakinah 1
Bagi pelan Mesra, Warisan, dan Sakinah 1, anda boleh mengeluarkan sebanyak 80% daripada tabung simpanan iaitu Akaun Peserta (AP). Caranya, anda hanya perlu mengisi borang pengeluaran sebahagian disertakan 1 salinan IC dan hantar kepada eTiQa melalui ejen anda. Borangnya sgt simple, hanya sekeping kertas A4
Bagi pelan eTiQa Sarjana, pengeluaran wang 80% daripada Akaun Peserta hanya dibenarkan ketika 3 tahun sebelum sijil matang.
Kebiasaannya, bagi pelan eTiQa Prima, anda dijamin mendapat manfaat berjangka setiap 3 tahun sebanyak 10% daripada coverage basic. Contohnya; coverage basic RM50,000. maka anda akan dapat RM5,000 every 3 years. Guaranteed.
Jika anda telah menyertai eTiQa lebih 4 tahun, anda sudah boleh mengeluarkan sebahagian daripada Akaun Peserta tersebut. Actually tahun kedua pun akaun anda sudah ada simpanan, tapi nilainya agak kecil, jadi saya cadangkan anda keluarkannya selepas tahun ke-4. nak tau kenapa? tunggu post saya yg akan datang mengenai pelan-pelan eTiQa secara detail. :)
Read more...
Bagi pelan Mesra, Warisan, dan Sakinah 1, anda boleh mengeluarkan sebanyak 80% daripada tabung simpanan iaitu Akaun Peserta (AP). Caranya, anda hanya perlu mengisi borang pengeluaran sebahagian disertakan 1 salinan IC dan hantar kepada eTiQa melalui ejen anda. Borangnya sgt simple, hanya sekeping kertas A4
Bagi pelan eTiQa Sarjana, pengeluaran wang 80% daripada Akaun Peserta hanya dibenarkan ketika 3 tahun sebelum sijil matang.
Kebiasaannya, bagi pelan eTiQa Prima, anda dijamin mendapat manfaat berjangka setiap 3 tahun sebanyak 10% daripada coverage basic. Contohnya; coverage basic RM50,000. maka anda akan dapat RM5,000 every 3 years. Guaranteed.
Jika anda telah menyertai eTiQa lebih 4 tahun, anda sudah boleh mengeluarkan sebahagian daripada Akaun Peserta tersebut. Actually tahun kedua pun akaun anda sudah ada simpanan, tapi nilainya agak kecil, jadi saya cadangkan anda keluarkannya selepas tahun ke-4. nak tau kenapa? tunggu post saya yg akan datang mengenai pelan-pelan eTiQa secara detail. :)
Financial planning pyramid
This is what I learned 3 years ago when I first became an agent. The utmost principle of our financial perceiver.
Step 1: Protection.
First and foremost, whatever amount of income we have every month, MUST be contributed for protection. The protection could be for credit protection, income protection, or critical disease protection. Let's say you have RM100,000 credits to be paid, you must at least have the samebamount of coverage in case of total permanent disability or death. Sounds scary? that's the law of nature. Muslims should take this seriously; hutang mesti dibayar walau macam mana sekali pun. We dont want to burden our family with our credits when we are no longer with them(died). So start now, calculate how much credits are you obliged to and jot them down in your diary. I will share with you later how are you going to calculate the amount of protection that you need. And then for the income protection...
I suggest you calculate your income for 5 years. Reasons: if you are the bread winner of your family, your family members who are dependent on you will have 5 years to survive without you there to feed them. Your wife could get a job if she is a housewife, and your children could be better off. Isn't it such a relief to know that they are well taken care of even if one day, you are no longer with them?
Example:
Credit card = RM3000
Education loan = RM40,000
5 years income = RM240,000 (let's say your monthly income is Rm4000)
Critical disease = RM50,000 (at least)
TOTAL = RM 333,000 death/total permanent disability protection
Step 2: Savings
Depend on how much you can save every month. 20%, 30%, or 40% from your monthly payoffs are good to be kept in Tabung Haji, fixed deposits and etc. You will really need this money in case of emergency.
Savings portion could also be used for travel, haji, children's education, and retirement. Im sure you know about this better, no need to elaborate more...
Step 3: Investments
Investments are the last thing to do, whenever you complete step 1 and step 2. If you have no extra money, never invest. Reasons: Let's say you have RM30,000 in savings and you decide to invest it all, you are putting your hard earned money at risk! The best thing to do is maybe you could invest RM3000 for the beginning, and add the amount some more for another RM3000 after 6 months, depends on market situation. Consult your unit trust agents for this. You could also regularly invest in unit trust monthly, which they call it regular saving plan.
I hope we all get the clear picture now. The financial planning pyramid is the basic principle for us to practise. Let's share this with all people you care..
Read more...
Step 1: Protection.
First and foremost, whatever amount of income we have every month, MUST be contributed for protection. The protection could be for credit protection, income protection, or critical disease protection. Let's say you have RM100,000 credits to be paid, you must at least have the samebamount of coverage in case of total permanent disability or death. Sounds scary? that's the law of nature. Muslims should take this seriously; hutang mesti dibayar walau macam mana sekali pun. We dont want to burden our family with our credits when we are no longer with them(died). So start now, calculate how much credits are you obliged to and jot them down in your diary. I will share with you later how are you going to calculate the amount of protection that you need. And then for the income protection...
I suggest you calculate your income for 5 years. Reasons: if you are the bread winner of your family, your family members who are dependent on you will have 5 years to survive without you there to feed them. Your wife could get a job if she is a housewife, and your children could be better off. Isn't it such a relief to know that they are well taken care of even if one day, you are no longer with them?
Example:
Credit card = RM3000
Education loan = RM40,000
5 years income = RM240,000 (let's say your monthly income is Rm4000)
Critical disease = RM50,000 (at least)
TOTAL = RM 333,000 death/total permanent disability protection
Step 2: Savings
Depend on how much you can save every month. 20%, 30%, or 40% from your monthly payoffs are good to be kept in Tabung Haji, fixed deposits and etc. You will really need this money in case of emergency.
Savings portion could also be used for travel, haji, children's education, and retirement. Im sure you know about this better, no need to elaborate more...
Step 3: Investments
Investments are the last thing to do, whenever you complete step 1 and step 2. If you have no extra money, never invest. Reasons: Let's say you have RM30,000 in savings and you decide to invest it all, you are putting your hard earned money at risk! The best thing to do is maybe you could invest RM3000 for the beginning, and add the amount some more for another RM3000 after 6 months, depends on market situation. Consult your unit trust agents for this. You could also regularly invest in unit trust monthly, which they call it regular saving plan.
I hope we all get the clear picture now. The financial planning pyramid is the basic principle for us to practise. Let's share this with all people you care..
Apa itu Term Rider / Rider Bertempoh?
Jika kita terdengar orang bercakap mengenai life insurance atau takaful keluarga, kita sering dengar perkataan death benefit/ manfaat kematian/ manfaat asas. ketiga-tiganya adalah perkara yg sama
Dalam senario En Farid dalam post yg sebelum ni ( topik coverage tinggi, bayar murah?), saya attachkan dlm sijil En Farid satu manfaat lagi yg dipanggil Term Rider/ Rider bertempoh
fungsi term rider ini adalah untuk menambahkan nilai manfaat asas.
dengan hanya menambah sumbangan sebanyak RM 21.29, En Farid dapat EXTRA RM70,00 coverage untuk kematian/hilang upaya kekal.
berbanding dengan manfaat asas, En Farid menyumbang sebnyak RM128.71, tetapi hanya menghasilkan coverage RM84,354 untuk kematian/hilang upaya kekal.
jadi, term rider lah cara yg paling menjimatkan sekiranya anda memerlukan coverage yang tinggi tetapi budget yang sikit.
untuk pengetahuan anda, term rider tergolong dibawah rider/manfaat tambahan
dalam konsep takaful, manfaat tambahan akan didermakan 100% manakala manfaat asas disimpan dan didermakan mengikut bahagian tertentu
Read more...
Dalam senario En Farid dalam post yg sebelum ni ( topik coverage tinggi, bayar murah?), saya attachkan dlm sijil En Farid satu manfaat lagi yg dipanggil Term Rider/ Rider bertempoh
fungsi term rider ini adalah untuk menambahkan nilai manfaat asas.
dengan hanya menambah sumbangan sebanyak RM 21.29, En Farid dapat EXTRA RM70,00 coverage untuk kematian/hilang upaya kekal.
berbanding dengan manfaat asas, En Farid menyumbang sebnyak RM128.71, tetapi hanya menghasilkan coverage RM84,354 untuk kematian/hilang upaya kekal.
jadi, term rider lah cara yg paling menjimatkan sekiranya anda memerlukan coverage yang tinggi tetapi budget yang sikit.
untuk pengetahuan anda, term rider tergolong dibawah rider/manfaat tambahan
dalam konsep takaful, manfaat tambahan akan didermakan 100% manakala manfaat asas disimpan dan didermakan mengikut bahagian tertentu
Coverage Tinggi, Bayar Murah?
Macam mana cara untuk dapatkan coverage/jumlah perlindungan tinggi dengan bayaran murah?
seorang pelanggan, En Farid(bukan nama sebenar) bertanya kepada saya; saya tak cukup budget la untuk takaful ni. saya mampu bayar RM150 sebulan sahaja. saya perlukan RM150,000 coverage kematian dan hilang upaya. hutang banyak nak cover ni. macam mana sue?
senario: En Farid berumur 25 tahun, kerja sebagai eksekutif,purata pendapatan sebulan RM2300, budget RM150 sebulan, memerlukan coverage asas RM150,000.
dalam situasi biasa, orang yang berumur 25 tahun, sumbangan Rm150 sebulan akan menghasilkan coverage sebnyak RM98,000 sahaja. En Farid masih kekurangan RM 52,000
caranya? senang saja
Saya bukak satu quotation untuk En Farid:
- Coverage asas(coverage kematian/hilang upaya kekal) RM84,354 (sumbangan RM128.71/sebulan)
- Coverage tambahan (term rider/rider bertempoh) RM70,000 (sumbangan RM21.29/sebulan)
- total coverage kematian/hilang upaya kekal termasuk term rider= RM154,354 (total sumbangan RM150 sahaja)
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