tag:blogger.com,1999:blog-81293952178606190382024-03-05T12:35:23.572-08:00Zulkhairi Prudential BSN zulprudentialbsnhttp://www.blogger.com/profile/02781298203966284812noreply@blogger.comBlogger77125tag:blogger.com,1999:blog-8129395217860619038.post-81914705096278097992019-04-25T20:12:00.001-07:002019-04-25T20:14:11.467-07:00Medical Card.<div style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px; margin-bottom: 6px;">
MEDIKAL KAD UNTUK BIL HOSPITAL ANDA.</div>
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Di pru bsn takaful kami menyediakan plan medical card sehingga 4 juta perlindungan unt bayaran bil hospital anda.</div>
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Dapatkan Plan MEDICAL CARD <span class="_5mfr" style="font-family: inherit; margin: 0px 1px;"><span class="_6qdm" style="background-image: url("https://static.xx.fbcdn.net/images/emoji.php/v9/t50/1/16/1f525.png"); background-repeat: no-repeat; background-size: contain; color: transparent; display: inline-block; font-family: inherit; font-size: 16px; height: 16px; text-shadow: none; vertical-align: text-bottom; width: 16px;">🔥</span></span><span class="_5mfr" style="font-family: inherit; margin: 0px 1px;"><span class="_6qdm" style="background-image: url("https://static.xx.fbcdn.net/images/emoji.php/v9/t50/1/16/1f525.png"); background-repeat: no-repeat; background-size: contain; color: transparent; display: inline-block; font-family: inherit; font-size: 16px; height: 16px; text-shadow: none; vertical-align: text-bottom; width: 16px;">🔥</span></span> DIPASARAN MALAYSIA!!<span class="text_exposed_show" style="display: inline; font-family: inherit;"><br />BIL HOSPITAL ANDA 100% DITANGGUNG SEHINGGA 365 HARI<span class="_5mfr" style="font-family: inherit; margin: 0px 1px;"><span class="_6qdm" style="background-image: url("https://static.xx.fbcdn.net/images/emoji.php/v9/t50/1/16/2757.png"); background-repeat: no-repeat; background-size: contain; color: transparent; display: inline-block; font-family: inherit; font-size: 16px; height: 16px; text-shadow: none; vertical-align: text-bottom; width: 16px;">❗</span></span><span class="_5mfr" style="font-family: inherit; margin: 0px 1px;"><span class="_6qdm" style="background-image: url("https://static.xx.fbcdn.net/images/emoji.php/v9/t50/1/16/2757.png"); background-repeat: no-repeat; background-size: contain; color: transparent; display: inline-block; font-family: inherit; font-size: 16px; height: 16px; text-shadow: none; vertical-align: text-bottom; width: 16px;">❗</span></span><span class="_5mfr" style="font-family: inherit; margin: 0px 1px;"><span class="_6qdm" style="background-image: url("https://static.xx.fbcdn.net/images/emoji.php/v9/t50/1/16/2757.png"); background-repeat: no-repeat; background-size: contain; color: transparent; display: inline-block; font-family: inherit; font-size: 16px; height: 16px; text-shadow: none; vertical-align: text-bottom; width: 16px;">❗</span></span><br /><span class="_5mfr" style="font-family: inherit; margin: 0px 1px;"><span class="_6qdm" style="background-image: url("https://static.xx.fbcdn.net/images/emoji.php/v9/t51/1/16/2714.png"); background-repeat: no-repeat; background-size: contain; color: transparent; display: inline-block; font-family: inherit; font-size: 16px; height: 16px; text-shadow: none; vertical-align: text-bottom; width: 16px;">✔</span></span> ROOM&BOARD Rm500/hari<br /><span class="_5mfr" style="font-family: inherit; margin: 0px 1px;"><span class="_6qdm" style="background-image: url("https://static.xx.fbcdn.net/images/emoji.php/v9/t51/1/16/2714.png"); background-repeat: no-repeat; background-size: contain; color: transparent; display: inline-block; font-family: inherit; font-size: 16px; height: 16px; text-shadow: none; vertical-align: text-bottom; width: 16px;">✔</span></span> ROOM&BOARD RM1000/hari- PREFERED HOSPITAL<br /><span class="_5mfr" style="font-family: inherit; margin: 0px 1px;"><span class="_6qdm" style="background-image: url("https://static.xx.fbcdn.net/images/emoji.php/v9/t51/1/16/2714.png"); background-repeat: no-repeat; background-size: contain; color: transparent; display: inline-block; font-family: inherit; font-size: 16px; height: 16px; text-shadow: none; vertical-align: text-bottom; width: 16px;">✔</span></span> Nursing Care<br /><span class="_5mfr" style="font-family: inherit; margin: 0px 1px;"><span class="_6qdm" style="background-image: url("https://static.xx.fbcdn.net/images/emoji.php/v9/t51/1/16/2714.png"); background-repeat: no-repeat; background-size: contain; color: transparent; display: inline-block; font-family: inherit; font-size: 16px; height: 16px; text-shadow: none; vertical-align: text-bottom; width: 16px;">✔</span></span> Pembedahan harian<br /><span class="_5mfr" style="font-family: inherit; margin: 0px 1px;"><span class="_6qdm" style="background-image: url("https://static.xx.fbcdn.net/images/emoji.php/v9/t51/1/16/2714.png"); background-repeat: no-repeat; background-size: contain; color: transparent; display: inline-block; font-family: inherit; font-size: 16px; height: 16px; text-shadow: none; vertical-align: text-bottom; width: 16px;">✔</span></span> Komplikasi kehamilan Rm20 000/setiap tahun<br /><span class="_5mfr" style="font-family: inherit; margin: 0px 1px;"><span class="_6qdm" style="background-image: url("https://static.xx.fbcdn.net/images/emoji.php/v9/t51/1/16/2714.png"); background-repeat: no-repeat; background-size: contain; color: transparent; display: inline-block; font-family: inherit; font-size: 16px; height: 16px; text-shadow: none; vertical-align: text-bottom; width: 16px;">✔</span></span> Rawatan kecemasan kemalangan Rm5000/setiap tahun<br /><span class="_5mfr" style="font-family: inherit; margin: 0px 1px;"><span class="_6qdm" style="background-image: url("https://static.xx.fbcdn.net/images/emoji.php/v9/t51/1/16/2714.png"); background-repeat: no-repeat; background-size: contain; color: transparent; display: inline-block; font-family: inherit; font-size: 16px; height: 16px; text-shadow: none; vertical-align: text-bottom; width: 16px;">✔️</span></span>Pembantu perubatan khas<br /><span class="_5mfr" style="font-family: inherit; margin: 0px 1px;"><span class="_6qdm" style="background-image: url("https://static.xx.fbcdn.net/images/emoji.php/v9/t51/1/16/2714.png"); background-repeat: no-repeat; background-size: contain; color: transparent; display: inline-block; font-family: inherit; font-size: 16px; height: 16px; text-shadow: none; vertical-align: text-bottom; width: 16px;">✔️</span></span>Elaun khas perubatan<br /><span class="_5mfr" style="font-family: inherit; margin: 0px 1px;"><span class="_6qdm" style="background-image: url("https://static.xx.fbcdn.net/images/emoji.php/v9/t51/1/16/2714.png"); background-repeat: no-repeat; background-size: contain; color: transparent; display: inline-block; font-family: inherit; font-size: 16px; height: 16px; text-shadow: none; vertical-align: text-bottom; width: 16px;">✔</span></span> Had Tahunan Rm400 000<br /><span class="_5mfr" style="font-family: inherit; margin: 0px 1px;"><span class="_6qdm" style="background-image: url("https://static.xx.fbcdn.net/images/emoji.php/v9/t51/1/16/2714.png"); background-repeat: no-repeat; background-size: contain; color: transparent; display: inline-block; font-family: inherit; font-size: 16px; height: 16px; text-shadow: none; vertical-align: text-bottom; width: 16px;">✔️</span></span>Tambahan had tahunan unt pykt kanser,jantung,buah pinggang Rm800 000<br /><span class="_5mfr" style="font-family: inherit; margin: 0px 1px;"><span class="_6qdm" style="background-image: url("https://static.xx.fbcdn.net/images/emoji.php/v9/t51/1/16/2714.png"); background-repeat: no-repeat; background-size: contain; color: transparent; display: inline-block; font-family: inherit; font-size: 16px; height: 16px; text-shadow: none; vertical-align: text-bottom; width: 16px;">✔</span></span> Had seumur hidup Rm4 000 000</span></div>
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<span class="_5mfr" style="font-family: inherit; margin: 0px 1px;"><span class="_6qdm" style="background-image: url("https://static.xx.fbcdn.net/images/emoji.php/v9/t53/1/16/2716.png"); background-repeat: no-repeat; background-size: contain; color: transparent; display: inline-block; font-family: inherit; font-size: 16px; height: 16px; text-shadow: none; vertical-align: text-bottom; width: 16px;">✖️</span></span> ada deposit diperlukan ketika kemasukkan ke wad.<br />
Sila taip takaful untuk FREE quotation.</div>
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Zulkhairi B Man.</div>
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PrudentialBSN Takaful Consultant.</div>
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016-902 2758.<br />
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zulprudentialbsnhttp://www.blogger.com/profile/02781298203966284812noreply@blogger.com0tag:blogger.com,1999:blog-8129395217860619038.post-37124645670821226302019-04-17T20:41:00.000-07:002019-04-17T20:41:11.844-07:00Medical Card Free ReviewFREE.FREE.FREE<br />
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Ya FREE review untuk policy yang sudah lama anda miliki,kenapa perlu review?<br />
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1-Mungkin coverage sudah tidak relevant berbanding charge hospital sekarang.<br />
2-Untuk benar-benar tahu apa coverage yang anda miliki.<br />
3-Untuk ketahui apa jenis policy yang anda beli,perkataan Insurance terlalu general.<br />
4-Ketahui apa bantuan yang anda perlukan sekiranya agent anda sudah tiada lagi.<br />
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Ya semua diatas untuk FREE review dari sana tanpa apa-apa syarat dikenakan dan juga bayaran.<br />
Boleh hubungi atau whatsaaps kepada saya Zulkhairi 016 902 2758 /Review.<br />
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-FREE Review.</div>
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-HIBAH TAKAFUL.</div>
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-MEDICAL CARD.</div>
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-MRTT & MLTT (Insurance Rumah).</div>
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-UMMAH LINK.</div>
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-PRU WARISAN.</div>
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-TAKAFUL LINK.</div>
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Hubungi ;</div>
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Zulkhairi Man 016-902 2758.</div>
<br />zulprudentialbsnhttp://www.blogger.com/profile/02781298203966284812noreply@blogger.com0tag:blogger.com,1999:blog-8129395217860619038.post-71879727223906146982018-01-14T19:59:00.003-08:002018-01-14T19:59:38.256-08:00Kad Perubatan Mampu MilikKad Perubatan / Medical Card Mampu Milik<br />
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Boleh didapati serendah RM 71.00 untuk mendapatkan perlindungan bagi Kos Rawatan Hospital.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEghEDWd5MM92ColkExgsD62pouplLo62IFX-2VCX731_2cyVSxOxct2tfvniXYvR9_h-xt6gy_uQGjADyll7-WDryrJB9u_ZvV8TvTGFI8mOc2aSA3W2ndcCOlleHoyXTswUOP2Ms_Qh58/s1600/pamplet.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="810" data-original-width="1080" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEghEDWd5MM92ColkExgsD62pouplLo62IFX-2VCX731_2cyVSxOxct2tfvniXYvR9_h-xt6gy_uQGjADyll7-WDryrJB9u_ZvV8TvTGFI8mOc2aSA3W2ndcCOlleHoyXTswUOP2Ms_Qh58/s320/pamplet.jpg" width="320" /></a></div>
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Contoh sebut harga untuk </div>
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1. Lelaki</div>
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2. 30 Tahun </div>
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3. Tidak Merokok</div>
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4. Kelas kerja : 2 </div>
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<b>Bulanan ialah : RM 133 </b>Untuk </div>
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<i><span style="color: #cc0000;">1. Pampasan kematian : RM 25,000</span></i></div>
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<i><span style="color: #cc0000;">2. Pampasan Sakit Kritikal : RM 25,000</span></i></div>
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<i><span style="color: #cc0000;">3. Pampasan penganti gaji RM 2,000 setiap tahun</span></i></div>
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<span style="color: #cc0000;"><i>4. Kos Rawatan Hospital : </i><b>Plan 150 </b></span></div>
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<b>Apa itu Plan 150? </b></div>
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<ul>
<li>LIMIT TAHUN = RM 150,000 </li>
<li>LIMIT TAHUN = RM 300,000 (Sakit Jantung, Buah Pinggang, Kanser)</li>
<li>TIADA LIMIT TAHUNAN = Rawatan pesakit luar Dialisis dan Kanser</li>
<li>Bantuan Perubatan Kecemasan di Seluruh Dunia</li>
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<a href="http://www.wasap.my/60164055789">Whatapps Sekarang!!!</a> <-----Click Click Click </div>
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Zulkhairi 016 405 5789</div>
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<br />zulprudentialbsnhttp://www.blogger.com/profile/02781298203966284812noreply@blogger.com0tag:blogger.com,1999:blog-8129395217860619038.post-21484045301943015932018-01-14T19:50:00.004-08:002018-01-14T19:50:52.274-08:00Kenapa MLTT ?Sebelum anda mengambil MRTT beberapa perkara anda perlu tahu<br />
1. Berapa tempoh MRTT anda ?<br />
2. Berapa coverage yang MRTT/MRTA anda offer anda?<br />
<br />
1. Sekiranya tempoh MRTT pendek daripada tempoh loan rumah. Maka anda disarankan mengambil MLTT.<br />
2. Sekiranya COverage MRTT anda tidak penuh, iaitu hanya 50% 80% atau sebagainya anda perlu mengambil MLTT<br />
<br />
Apa itu MLTT (Secara amnya ialah Takaful Hayat).<br />
<br />
1. Meninggal Dunia<br />
- Sekiranya peminjam loan rumah meninggal dunia, pampasan akan dibayar untuk menyelesaikan hutang rumah. Sekiranya ada<br />
Baki akan dihibah kepada waris.<br />
<br />
2. Cacat Kekal<br />
- Sekiranya peminjam loan rumah meninggal dunia, pampasan (seperti yang dicarum) akan dibayar untuk menyelesaikan hutang rumah<br />
<br />
<a href="http://www.wasap.my/60164055789">Whatapps Sekarang</a><br />
<br />
RM 100 Bulanan untuk RM 250,000<br />
RM 120 Bulanan untuk RM 300,000<br />
RM 160 Bulanan untuk RM 400,000<br />
RM 200 Bulanan untuk RM 500,000zulprudentialbsnhttp://www.blogger.com/profile/02781298203966284812noreply@blogger.com0tag:blogger.com,1999:blog-8129395217860619038.post-31730650914422285162017-12-06T01:18:00.002-08:002017-12-06T01:18:33.066-08:00Product Baru : Pru Anugerah. Kad Perubatan Hospital Harga Mampu Milik. Tahniah Prudential BSN telah melahirkan satu product Kad Perubatan Hospital yang harga mampu milik. Serendah RM 71.00 Sebulan untuk orang ramai bagi menampung kos perubatan hospital yang kian meningkat dan juga ekonomi sekarang.<br />
<br />
Kad Perubatan ini mempunyai Komponen<br />
<br />
1. Perlindungan Hayat<br />
2. Kad Perubatan Hospital<br />
3. Penyakit Kritikal<br />
4. Perlindungan Gaji.<br />
<br />
Anda boleh menambah komponen komponen tersebut mengikut budget anda.<br />
<br />
KENAPA KAD PERUBATAN HOSPITAL (PruBSN Anugerah) ini murah.<br />
<br />
Pelan ini tidak mempunyai Investment linked polisi, oleh itu caruman buat pelan ini amat bersesuaian dengan budget anda.<br />
<br />
Pelan bermula dengan Pakej PLAN 150 :<br />
Yang mempunyai ciri - ciri tersebut.<br />
<br />
✔Bilik bermula RM 150.00<br />
✔Had Tahunan RM 150,000<br />
✔Had Tahunan RM 300,000 (Sakit Jantung, Buah Pinggang, Kanser)<br />
✔TANPA LIMIT TAHUNAN bagi rawatan dialisi buah pinggang dan kanser (pesakit luar)<br />
✔Bantuan Perubatan Kecemasan di Seluruh Dunia<br />
<br />
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<br />
<br />
Menarik bukan?<br />
<br />
Hubungi<br />
<br />
Zulkhairi 016 405 5789 atau whatapps ->>>>>> <a href="http://www.wasap.my/60164055789">Whatapps dengan click link ini</a><br />
<br />
<br />zulprudentialbsnhttp://www.blogger.com/profile/02781298203966284812noreply@blogger.com0tag:blogger.com,1999:blog-8129395217860619038.post-20570087784806184032017-10-31T20:36:00.003-07:002017-10-31T20:36:36.622-07:00Apa itu Perlindungan Hayat.<b>Perlindungan hayat ialah bermaksud Life Insurance (Takaful Hayat)</b><br />
<br />
Ketika anda membeli life insurance. Apa yang anda perlu teliti ialah.<br />
<br />
1.<b> Berapa perlindungan</b> yang anda perlu untuk diberi kepada keluarga anda. Contoh RM250,000.<br />
RM 250,000 ini dapat memberi RM5,000 sebulan kepada keluarga anda selama 48 bulan.<br />
<br />
2. Sekiranya anda memiliki rumah dan tidak mempunyai MRTT. <b>Ambillah perlindungan hayat yang bertindak sebagai MLTT</b>. Bank tidak semudah ABC untuk memberi FREE rumah selepas owner meninggal dunia. Rumah bernilai RM 300,000. + RM 250,000 (untuk wang pampasan buat waris, sekiranya mampu). Jumlah pampasan ialah RM550,000 untuk satu polisi. Rumah waris anda perolehi & sedikit wang belanja RM5,000 sepanjang 48 bulan sebagai pengantian gaji.<br />
<br />
3. <b>Penama atau Penerima Hibah</b>. Takaful menyediakan bahagian Penama & Penerima Hibah. Apa bezanya?<br />
<br />
Penama : Orang yang menerima wang pampasan kematian, dan member kepada institusi amanah untuk melaksankaan pembahagian harta pusaka melalui Faraid.<br />
<br />
Penerima Hibah : Orang yang menerima Hibah, dan wang pampasan tersebut hak milik sepenuh penerima Hibah.<br />
<br />
Akta Hibah dilindungi dan sesiapa tidak boleh dipertikaikan. Apa yang saya galakkan ialah, pembeli polisi meletakkan orang yang rasa layak untuk menerima wang pampasan kematian sebagai Hibah.<br />
<br />
4. Selain daripada pampasan kematian. Terdapat <b>pampasan Hilang Upaya/cacat kekal/kemalangan.</b><br />
<br />
<br />
FREE QUOTATION<br />
FREE CONSULTATION<br />
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<a href="http://www.wasap.my/60164055789">Whatapps Saya</a><br />
<br />
#HibahTakaful<br />
#Hibah<br />
#HibahSuamiIsteri<br />
#HibahRM100<br />
#Hibah1Juta<br />
#HibahTunai<br />
#JomHibah<br />
#TakafulPrudentialBSN<br />
#KadPerubatanHospital<br />
#MedicalCard<br />
#KualaLumpur<br />
#Selangor<br />
#Kedah<br />
#Penang<br />
#PuncakAlam<br />
<br />
<br />
<br />zulprudentialbsnhttp://www.blogger.com/profile/02781298203966284812noreply@blogger.com0tag:blogger.com,1999:blog-8129395217860619038.post-14860827260913242132017-10-19T20:33:00.000-07:002017-10-19T20:33:08.982-07:00Apa itu MLTT, MRTT (JOM LIHAT !!!)<b>MLTT = Mortgage Level Term Takaful </b><br />
<br />
Ia berfungsi untuk perlindungan pinjaman perumahan anda.<br />
<br />
MLTT & MLTA ialah sama, bezanya ialah :<br />
MLTT = Islamic.<br />
MLTA = Conventional.<br />
<br />
Ok. Mari kita concentrate satu insurance iaitu islamic insurance. MLTT & MRTT<br />
<br />
<b>Apa beza MRTT (Mortgage Reducing Term Takaful) & MLTT (Mortgage Level Term Takaful). </b><br />
<br />
<b>MRTT</b><br />
1. Insurance ini termasuk dalam loan pinjaman perumahan anda. Sekiranya banker sudah sediakan MRTT + Loan pinjaman (yang diapprove). Maka anda tidak perlu lagi MLTT.<br />
<br />
Akan tetapi. Anda perlu meneliti<br />
1. Berapa tempoh perlindungan?<br />
2. Berapa Jumlah perlindungan?<br />
3. Siapa yang dilindungi (suami atau isteri).<br />
<br />
Ini penting agar, anda tahu rumah anda dilindungi berapa. Pendek kata <b>Free</b> atau tidak bila pasangan anda meninggal dunia. Takut nanti tetiba pasangan anda pula kena bayar separuh, sbb jumlah perlindungan tidak sepenuhnya. Sekiranya anda was was, saya boleh review polisi anda.<br />
<br />
<b>MLTT </b><br />
1. Insurance ini TIDAK termasuk dalam loan pinjaman perumahan anda. ANDA PERLU CARI AGENT sendiri (boleh cari saya).<br />
<br />
Anda beli perlindungan hayat yang Jumlah perlindungan sama atau lebih Harga Rumah anda. Ini bermakna sekiranya rumah anda bernilai RM300,000 anda beli polisi bernilai RM300,000.<br />
<br />
Kebaikannya :<br />
1. Anda dapat rumah dan polisi perlindungan hayat. Sekiranya rumah habis bayar, polisi hayat anda masih berjalan seperti biasa. Berbanding dengan MRTT, habis pinjaman rumah, insurance pun tiada.<br />
<br />
2. Anda mempunyai Simpanan, ini kerana polisi MLTT ialah investment linked.<br />
<br />
3. Anda dilindungi dengan penyakit kritikal, dan cacat kekal.<br />
<br />
Akan tetapi. Anda perlu displin agar tidak Lapse.<br />
<br />
Tetapi Sekiranya anda mengambil polisi investment linked takaful hayat, polisi anda tidak mudah lapse.<br />
<br />
Hubungi saya dengan segera<br />
<br />
Zulkhairi 016 4055789 atau click sahaja di link tersebut<br />
<br />
click -> <a href="http://www.wasap.my/60164055789">Whatapps</a><br />
<br />
#MLTT<br />
#InsuranceRumah<br />
#PerlindunganHayat<br />
#KadPerubatan<br />
#UntukSemuaUntukKehidupan<br />
#MRTT<br />
#MLTA<br />
#MRTA<br />
<br />
<br />zulprudentialbsnhttp://www.blogger.com/profile/02781298203966284812noreply@blogger.com0tag:blogger.com,1999:blog-8129395217860619038.post-7659957776322755132017-10-12T21:20:00.001-07:002017-10-12T21:20:32.876-07:005 Benefits ketika anda mencarum perlindungan hayat.<div class="" data-block="true" data-editor="262jd" data-offset-key="9vgme-0-0" style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px; white-space: pre-wrap;">
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<span data-offset-key="9vgme-0-0" style="font-family: inherit;">5 Benefits ketika anda mencarum perlindungan hayat.</span></div>
</div>
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</div>
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<span data-offset-key="6uh5-0-0" style="font-family: inherit;">1. Wang pampasan berkonsep Hibah.</span></div>
</div>
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<span data-offset-key="5q4k8-0-0" style="font-family: inherit;">2. Investment linked. Mempunyai cash value.</span></div>
</div>
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<span data-offset-key="4jf4c-0-0" style="font-family: inherit;">3. Bertindak sebagai MLTT (pinjaman perumahan).</span></div>
</div>
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<span data-offset-key="5scng-0-0" style="font-family: inherit;">4. Income Protection up to 60 bulan berbandinG dengan insurance company 48 bulan.</span></div>
</div>
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<span data-offset-key="30g5t-0-0" style="font-family: inherit;">5. Pampasan Hilang upaya/cacat kekal/kemalangan. </span></div>
</div>
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<span data-offset-key="8hced-0-0" style="font-family: inherit;"><br data-text="true" /></span></div>
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<span data-offset-key="731ja-0-0" style="font-family: inherit;">Dapatkan harga mampu milik untuk perlindungan hayat serendah RM100.</span></div>
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zulprudentialbsnhttp://www.blogger.com/profile/02781298203966284812noreply@blogger.com0tag:blogger.com,1999:blog-8129395217860619038.post-1014351107240060812017-10-09T19:46:00.002-07:002017-10-09T19:46:44.116-07:00Kad Perubatan + Invesment Linked / saving Secara kasarnya, monthly caruman untuk perlindungan hayat + Kad perubatan (Rider) nampak amat <b>Mahal.</b> <div>
<br /></div>
<div>
Lebih lebih lagi yang mana umur yang sudah jangkau 30an keatas. </div>
<div>
<br /></div>
<div>
Berbanding dengan standalone Kad Perubatan, ia amat murah, dan benefits coverage lebih kurang sama. RM100,000 limit tahunan buat semua ahli, dan satu bulanan caruman boleh dapat untuk satu family. </div>
<div>
<br /></div>
<div>
Tapi, secara terperinci lagi. Perlindungan hayat + Kad perubatan (Rider) amat <b>menjimatkan</b> sekiranya anda ingin mencarum secara <b>LONG TERM</b>. </div>
<div>
<br /></div>
<div>
Mestilah LONG TERM, tiada siapa yang mencarum perlindungan untuk jangka masa pendek betul tak?</div>
<div>
<br /></div>
<div>
In antara kebaikkan Rider Kad perubatan. Di mana apabila dikira secara Jangka Masa Panjang anda boleh jimat berganda. </div>
<div>
<br /></div>
<div>
<br /></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiGGwG4M7QT4uQBtM5mKVLyQpyOH_zX2SdfhCzZvYjEq-FhBfVwXCikvDbMKAEuMApKy5ZVEkZEOtmiASZ-LHxdErCvqBDic-NhCDrzogrTkVswFiSOnI1V_DuCzRMjoGqR5JNOum5Ngbo/s1600/Rider_Investment_Linked.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="661" data-original-width="494" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiGGwG4M7QT4uQBtM5mKVLyQpyOH_zX2SdfhCzZvYjEq-FhBfVwXCikvDbMKAEuMApKy5ZVEkZEOtmiASZ-LHxdErCvqBDic-NhCDrzogrTkVswFiSOnI1V_DuCzRMjoGqR5JNOum5Ngbo/s320/Rider_Investment_Linked.jpg" width="237" /></a></div>
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<i>Contoh : Pengiraan kasar (Rider)</i></div>
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<br /></div>
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Secara ringkasnya :</div>
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Anda mencarum kad perubatan pada umur 30 tahun, untuk jangka masa 50 tahun. Ini bermaksud </div>
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anda memilih tempoh perlindungan sehingga 80 tahun. <i>(Anda juga boleh memilih jangka perlindungan sehingga 90 tahun / 100 tahun). </i></div>
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<br /></div>
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Di sini, anda mendapat <b>perlindungan hayat + Kad perubatan + Waiver</b> : Caruman Bulanan ialah <b>RM 150.00 Sebulan. </b></div>
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<br /></div>
<div class="separator" style="clear: both; text-align: left;">
Seperti sedia maklum. <b>Perlindungan hayat + Rider Kad perubatan mempunyai Investment Linked (cash value). </b></div>
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<b><br /></b></div>
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<b>Kebaikan Investment Linked: </b></div>
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1. Menampung (Tabung Tabaru) untuk kos perubatan (ekonomi). </div>
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2. Polisi tidak mudah lapse. Ini dapat membantu anda sekiranya anda mempunyai masalah kewangan. </div>
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3. Bayaran Bulanan tidak hangus. </div>
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4. Jumlah keseluruhan yang telah dilaburkan ke Plan Perlindungan ialah <b>RM 150,000 - RM 200,000</b> sepanjang tempoh 50 Tahun. (Jumlah Kasar). </div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiF96nb_ZkD9_dML1AIHjmofd8AWiNNpNdG8-gmT2-GSOVBNjYyLPv_wAqWQfFCKO-lFXX6_9tF8IEVcaioUhiKrpLx1fIJW7QHPhJvzTAsLyTq5FPiZ60WdfHp2l9XtKpze0gwvn48Yh0/s1600/Family_Standalone_No_Investment_Linked.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="661" data-original-width="547" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiF96nb_ZkD9_dML1AIHjmofd8AWiNNpNdG8-gmT2-GSOVBNjYyLPv_wAqWQfFCKO-lFXX6_9tF8IEVcaioUhiKrpLx1fIJW7QHPhJvzTAsLyTq5FPiZ60WdfHp2l9XtKpze0gwvn48Yh0/s320/Family_Standalone_No_Investment_Linked.jpg" width="264" /></a></div>
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<i>Contoh : Pengiraan kasar (Standalone)</i></div>
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Secara ringkasnya :</div>
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Anda mencarum kad perubatan pada umur 30 tahun, untuk jangka masa 50 tahun. Ini bermaksud </div>
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anda memilih tempoh perlindungan sehingga 80 tahun. <i>(Anda juga boleh memilih jangka perlindungan sehingga 90 tahun / 100 tahun). </i></div>
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Di sini, anda mendapat Kad perubatan SAHAJA (untuk satu keluarga 2 dewasa 2 kanak kanak) : Caruman Bulanan ialah <b>RM 468.00 Sebulan. </b></div>
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Seperti sedia maklum. Kad perubatan ini hanya untuk Tampung Kos perubatan SAHAJA. </div>
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<b><br /></b></div>
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<b>Kebaikan Standalone</b>: </div>
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1. Caruman bulanan <b>Murah</b>.</div>
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2. Jumlah keseluruhan yang telah dilaburkan ke Plan Perlindungan ialah <b>RM 300,000 - RM 350,000</b> sepanjang tempoh 50 Tahun. (Jumlah Kasar). </div>
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Ini kerana: </div>
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1. Polisi akan menyemak semula pada <b>setiap 3/5 tahun</b>. Ada <b>kenaikan bulanan</b>.</div>
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2. Anak anak hanya sampai umur 23 tahun. Anak anak akan dikeluarkan dari polisi Plan standalone kad perubatan bila mencecah umur 24 tahun. </div>
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zulprudentialbsnhttp://www.blogger.com/profile/02781298203966284812noreply@blogger.com0tag:blogger.com,1999:blog-8129395217860619038.post-90368666669079549912017-09-20T21:12:00.000-07:002017-09-20T21:12:02.258-07:00Kenapa Kenapa Kenapa Harus Dapatkan Medical Card Investment Linked. <div style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px; margin-bottom: 6px; margin-top: 6px;">
1. Payah nak lapse (Sebab ada cash value)<br />2. Mempunyai coverage 2 kali ganda (Contoh RM200,000 Min) untuk Sakit Jantung, Buah pinggang dan Kanser<br />3. Bayaran bulanan tidak hangus. <span class="text_exposed_show" style="display: inline; font-family: inherit;"><br />4. Dan yang penting polisi anak anda disambung terus tanpa perlu APPLY lain.</span></div>
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<div style="color: #1d2129; font-family: inherit; font-size: 14px; margin-bottom: 6px;">
Zulkhairi.</div>
<div style="color: #1d2129; font-family: inherit; font-size: 14px; margin-bottom: 6px;">
<a href="http://www.wasap.my/60164055789" style="font-family: inherit;">www.wasap.my/60164055789</a></div>
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<br /></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj26RJxarwSKg7ea9kBZdeq8PovZ7TI7s8UBB20tlebCJ6iPJW69wnj8xWc5py4KOjleD3Q-byzf45QR3sjDlwd5hfOdHwxuLA7JB-DUe18u4tsTKMz0d5O6EMhMkhyphenhyphenSLMZ9vRfbPAHJ9k/s1600/Medical+Insurance+-Standalone-vs-Rider+%2528Infographic%2529.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1600" data-original-width="486" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj26RJxarwSKg7ea9kBZdeq8PovZ7TI7s8UBB20tlebCJ6iPJW69wnj8xWc5py4KOjleD3Q-byzf45QR3sjDlwd5hfOdHwxuLA7JB-DUe18u4tsTKMz0d5O6EMhMkhyphenhyphenSLMZ9vRfbPAHJ9k/s320/Medical+Insurance+-Standalone-vs-Rider+%2528Infographic%2529.jpg" width="97" /></a></div>
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<br /></div>
<div style="margin-bottom: 6px;">
<span style="color: #1d2129; font-family: Helvetica, Arial, sans-serif;"><span style="font-size: 14px;">#HibahTakaful</span></span></div>
<div style="margin-bottom: 6px;">
<span style="color: #1d2129; font-family: Helvetica, Arial, sans-serif;"><span style="font-size: 14px;">#Hibah</span></span></div>
<div style="margin-bottom: 6px;">
<span style="color: #1d2129; font-family: Helvetica, Arial, sans-serif;"><span style="font-size: 14px;">#HibahSuamiIsteri</span></span></div>
<div style="margin-bottom: 6px;">
<span style="color: #1d2129; font-family: Helvetica, Arial, sans-serif;"><span style="font-size: 14px;">#HibahRM100</span></span></div>
<div style="margin-bottom: 6px;">
<span style="color: #1d2129; font-family: Helvetica, Arial, sans-serif;"><span style="font-size: 14px;">#Hibah1Juta</span></span></div>
<div style="margin-bottom: 6px;">
<span style="color: #1d2129; font-family: Helvetica, Arial, sans-serif;"><span style="font-size: 14px;">#HibahTunai</span></span></div>
<div style="margin-bottom: 6px;">
<span style="color: #1d2129; font-family: Helvetica, Arial, sans-serif;"><span style="font-size: 14px;">#JomHibah</span></span></div>
<div style="margin-bottom: 6px;">
<span style="color: #1d2129; font-family: Helvetica, Arial, sans-serif;"><span style="font-size: 14px;">#TakafulPrudentialBSN</span></span></div>
<div style="margin-bottom: 6px;">
<span style="color: #1d2129; font-family: Helvetica, Arial, sans-serif;"><span style="font-size: 14px;">#KadPerubatanHospital</span></span></div>
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<span style="color: #1d2129; font-family: Helvetica, Arial, sans-serif;"><span style="font-size: 14px;">#MedicalCard </span></span></div>
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<span style="color: #1d2129; font-family: Helvetica, Arial, sans-serif;"><span style="font-size: 14px;">#KualaLumpur</span></span></div>
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<span style="color: #1d2129; font-family: Helvetica, Arial, sans-serif;"><span style="font-size: 14px;">#Selangor</span></span></div>
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<span style="color: #1d2129; font-family: Helvetica, Arial, sans-serif;"><span style="font-size: 14px;">#Kedah</span></span></div>
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<span style="color: #1d2129; font-family: Helvetica, Arial, sans-serif;"><span style="font-size: 14px;">#Penang</span></span></div>
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<span style="color: #1d2129; font-family: Helvetica, Arial, sans-serif;"><span style="font-size: 14px;">#PuncakAlam</span></span></div>
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zulprudentialbsnhttp://www.blogger.com/profile/02781298203966284812noreply@blogger.com0tag:blogger.com,1999:blog-8129395217860619038.post-70430838916558905832017-09-08T00:56:00.003-07:002017-09-08T00:56:49.332-07:00Cara Cara kira Unit Trust Anda <div style="background-color: white; text-align: justify;">
<span style="color: #1a1a1b; font-family: Arial, Helvetica, sans-serif;"><b>Terdapat 3 Jenis cara pengiraan: </b></span></div>
<div style="background-color: white; text-align: justify;">
<span style="color: #1a1a1b; font-family: Arial, Helvetica, sans-serif;"><b><br /></b></span></div>
<div style="background-color: white; text-align: justify;">
<span style="color: #1a1a1b; font-family: Arial, Helvetica, sans-serif;"><b>1. Dividen / Profit distribution</b></span></div>
<div style="background-color: white; text-align: justify;">
<span style="color: #1a1a1b; font-family: Arial, Helvetica, sans-serif;"><b>2. Beli Harga Murah; Jual Harga Tinggi (Capital Gain)</b></span></div>
<div style="background-color: white; text-align: justify;">
<span style="color: #1a1a1b; font-family: Arial, Helvetica, sans-serif;"><b>3. Splitting </b></span></div>
<div style="background-color: white; text-align: justify;">
<b style="color: #1a1a1b; line-height: 20.02px;"><b style="line-height: 20.02px;"><span style="font-family: Arial, Helvetica, sans-serif;"><br /></span></b></b></div>
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<span style="font-family: Arial, Helvetica, sans-serif;"><br /></span></div>
<div style="text-align: center;">
<b style="background-color: white; color: #1a1a1b; text-align: justify;"><span style="font-family: Arial, Helvetica, sans-serif;"><u>1. Dividen / Profit distribution</u></span></b></div>
<b style="background-color: white; color: #1a1a1b; text-align: justify;"><span style="font-family: Arial, Helvetica, sans-serif;"><br /></span></b>
<div style="text-align: justify;">
<span style="color: #1a1a1b; font-family: Arial, Helvetica, sans-serif;"><span style="background-color: white;"><b><u>Tarikh : 1 January 2015</u></b></span></span></div>
<div style="text-align: justify;">
<span style="color: #1a1a1b; font-family: Arial, Helvetica, sans-serif;"><span style="background-color: white;"><b><br /></b></span></span></div>
<span style="background-color: white; color: #1a1a1b; text-align: justify;"><span style="font-family: Arial, Helvetica, sans-serif;">Amount : RM10,000 </span></span><br />
<span style="background-color: white; color: #1a1a1b; text-align: justify;"><span style="font-family: Arial, Helvetica, sans-serif;"><br /></span></span>
<span style="background-color: white; color: #1a1a1b; text-align: justify;"><span style="font-family: Arial, Helvetica, sans-serif;">Harga NAV (unit) : RM 0.35 (Sewaktu beli fund)</span></span><br />
<span style="background-color: white; color: #1a1a1b; text-align: justify;"><span style="font-family: Arial, Helvetica, sans-serif;"><br /></span></span>
<span style="background-color: white; color: #1a1a1b; text-align: justify;"><span style="font-family: Arial, Helvetica, sans-serif;">Service charge : 1% x RM10,000 </span></span><br />
<span style="background-color: white; color: #1a1a1b; text-align: justify;"><span style="font-family: Arial, Helvetica, sans-serif;"> : RM100</span></span><br />
<span style="font-family: Arial, Helvetica, sans-serif;"><span style="background-color: white;"><span style="color: #1a1a1b; line-height: 20.02px;"></span><span style="color: #1a1a1b; line-height: 20.02px;"></span></span><span style="background-color: white;"></span><br style="background-color: white;" /></span>
<div style="background-color: white; text-align: justify;">
<span style="color: #1a1a1b; line-height: 20.02px;"><span style="line-height: 20.02px;"><span style="font-family: Arial, Helvetica, sans-serif;">Total investment : RM10,000 – RM100</span></span></span></div>
<div style="background-color: white; text-align: justify;">
<span style="color: #1a1a1b; line-height: 20.02px;"><span style="line-height: 20.02px;"><span style="font-family: Arial, Helvetica, sans-serif;"> : RM9,900</span></span></span></div>
<div style="background-color: white; text-align: justify;">
<span style="font-family: Arial, Helvetica, sans-serif;"><br /></span></div>
<div style="background-color: white; text-align: justify;">
<span style="color: #1a1a1b; font-family: Arial, Helvetica, sans-serif;">Total Unit : RM9,900/RM 0.35 </span></div>
<div style="background-color: white; text-align: justify;">
<span style="color: #1a1a1b; font-family: Arial, Helvetica, sans-serif;"> : 28,285 Unit </span></div>
<div style="background-color: white; text-align: justify;">
<span style="color: #1a1a1b; font-family: Arial, Helvetica, sans-serif;"><br /></span></div>
<b><u><span style="font-family: Arial, Helvetica, sans-serif;"><span style="background-color: white;"><span style="color: #1a1a1b; line-height: 20.02px;"></span></span><span style="background-color: white;"></span><span style="background-color: white; color: #1a1a1b; line-height: 20.02px;"></span><br style="background-color: white;" /></span></u></b>
<div style="background-color: white; text-align: justify;">
<span style="color: #1a1a1b; line-height: 20.02px;"><span style="line-height: 20.02px;"><b><u><span style="font-family: Arial, Helvetica, sans-serif;">Tarikh : 1 January 2016 </span></u></b></span></span></div>
<div style="background-color: white; text-align: justify;">
<span style="color: #1a1a1b; line-height: 20.02px;"><span style="line-height: 20.02px;"><span style="font-family: Arial, Helvetica, sans-serif;">Profit distribution : RM0.05/Unit </span></span></span></div>
<div style="background-color: white; text-align: justify;">
<span style="color: #1a1a1b; line-height: 20.02px;"><span style="line-height: 20.02px;"><span style="font-family: Arial, Helvetica, sans-serif;"><br /></span></span></span></div>
<div style="background-color: white; text-align: justify;">
<span style="color: #1a1a1b; line-height: 20.02px;"><span style="line-height: 20.02px;"><span style="font-family: Arial, Helvetica, sans-serif;">Keuntungan : 28,285 x RM0.05</span></span></span></div>
<div style="background-color: white; text-align: justify;">
<span style="color: #1a1a1b; line-height: 20.02px;"><span style="line-height: 20.02px;"><span style="font-family: Arial, Helvetica, sans-serif;"> : RM 1,415.25</span></span></span></div>
<div style="background-color: white; text-align: justify;">
<span style="color: #1a1a1b; line-height: 20.02px;"><span style="line-height: 20.02px;"><span style="font-family: Arial, Helvetica, sans-serif;"><br /></span></span></span></div>
<div style="background-color: white; text-align: justify;">
<span style="color: #1a1a1b; line-height: 20.02px;"><span style="line-height: 20.02px;"><span style="font-family: Arial, Helvetica, sans-serif;"><br /></span></span></span></div>
<div style="background-color: white; text-align: justify;">
<span style="color: #1a1a1b; font-family: Arial, Helvetica, sans-serif;">Ada 2 Cara : </span></div>
<div style="background-color: white; text-align: justify;">
<span style="color: #1a1a1b; font-family: Arial, Helvetica, sans-serif;"><br /></span></div>
<div style="background-color: white; text-align: justify;">
<span style="color: #1a1a1b; font-family: Arial, Helvetica, sans-serif;">1. Redeem </span></div>
<div style="background-color: white; text-align: justify;">
<span style="color: #1a1a1b; font-family: Arial, Helvetica, sans-serif;"><br /></span></div>
<div style="background-color: white; text-align: justify;">
<span style="color: #1a1a1b; font-family: Arial, Helvetica, sans-serif;">RM 1,415.25, masuk semula ke account anda/ EPF account 1 anda.</span></div>
<div style="background-color: white; text-align: justify;">
<span style="color: #1a1a1b; font-family: Arial, Helvetica, sans-serif;"><br /></span></div>
<div style="background-color: white; text-align: justify;">
<span style="color: #1a1a1b; font-family: Arial, Helvetica, sans-serif;">2. Tak nak Redeem (Re-invest)</span></div>
<div style="background-color: white; text-align: justify;">
<span style="color: #1a1a1b; line-height: 20.02px;"><span style="line-height: 20.02px;"><span style="font-family: Arial, Helvetica, sans-serif;"><br /></span></span></span></div>
<div style="background-color: white; text-align: justify;">
<span style="color: #1a1a1b; line-height: 20.02px;"><span style="line-height: 20.02px;"><span style="font-family: Arial, Helvetica, sans-serif;">RM 1,1415.25 </span></span></span></div>
<div style="background-color: white; text-align: justify;">
<span style="color: #1a1a1b; line-height: 20.02px;"><span style="line-height: 20.02px;"><b><u><span style="font-family: Arial, Helvetica, sans-serif;"><br /></span></u></b></span></span></div>
<div style="background-color: white; text-align: justify;">
<span style="color: #1a1a1b; line-height: 20.02px;"><span style="line-height: 20.02px;"><b><u><span style="font-family: Arial, Helvetica, sans-serif;">Tarikh : 1 January 2016 </span></u></b></span></span></div>
<div style="background-color: white; text-align: justify;">
<span style="color: #1a1a1b;"><span style="font-family: Arial, Helvetica, sans-serif;">Harga NAV (unit) : RM 0.40 (Sewaktu beli fund)</span></span></div>
<div style="background-color: white; text-align: justify;">
<span style="font-family: Arial, Helvetica, sans-serif;"><br /></span></div>
<span style="background-color: white; color: #1a1a1b; text-align: justify;"><span style="font-family: Arial, Helvetica, sans-serif;">Service charge : 1% x RM1,415.25</span></span><br />
<span style="background-color: white; color: #1a1a1b; text-align: justify;"><span style="font-family: Arial, Helvetica, sans-serif;"> : RM14.15</span></span><br />
<span style="font-family: Arial, Helvetica, sans-serif;"><span style="background-color: white;"><span style="color: #1a1a1b; line-height: 20.02px;"></span><span style="color: #1a1a1b; line-height: 20.02px;"></span></span><span style="background-color: white;"></span><br style="background-color: white;" /></span>
<div style="background-color: white; text-align: justify;">
<span style="color: #1a1a1b; line-height: 20.02px;"><span style="line-height: 20.02px;"><span style="font-family: Arial, Helvetica, sans-serif;">Total investment : RM1,415.25 – RM14.15</span></span></span></div>
<div style="background-color: white; text-align: justify;">
<span style="color: #1a1a1b; line-height: 20.02px;"><span style="line-height: 20.02px;"><span style="font-family: Arial, Helvetica, sans-serif;"> : RM1,401</span></span></span></div>
<div style="background-color: white; text-align: justify;">
<span style="font-family: Arial, Helvetica, sans-serif;"><br /></span></div>
<div style="background-color: white; text-align: justify;">
<span style="color: #1a1a1b; font-family: Arial, Helvetica, sans-serif;">Total Unit : RM1,401/RM 0.40</span></div>
<span style="font-family: Arial, Helvetica, sans-serif;"><span style="background-color: white; color: #1a1a1b; line-height: 20.02px;"></span><span style="background-color: white;"></span></span><br />
<div style="background-color: white; text-align: justify;">
<span style="color: #1a1a1b; font-family: Arial, Helvetica, sans-serif;"> : 3,502 Unit </span></div>
<div style="background-color: white; text-align: justify;">
<span style="color: #1a1a1b; line-height: 20.02px;"><span style="font-family: Arial, Helvetica, sans-serif;"><br /></span></span></div>
<span style="font-family: Arial, Helvetica, sans-serif;">Total Unit : <span style="background-color: white; color: #1a1a1b; text-align: justify;">28,285 Unit + </span><span style="background-color: white; color: #1a1a1b; text-align: justify;">3,502 Unit = 31,787 Unit </span></span><br />
<div>
<b style="background-color: white; color: #1a1a1b; text-align: justify;"><span style="font-family: Arial, Helvetica, sans-serif;"><br /></span></b></div>
<span style="font-family: Arial, Helvetica, sans-serif;"><br /></span>
<b style="background-color: white; color: #1a1a1b; text-align: justify;"><u><span style="font-family: Arial, Helvetica, sans-serif;">Tarikh : 1 Julai 2016 </span></u></b><br />
<div style="background-color: white; text-align: justify;">
<span style="font-family: Arial, Helvetica, sans-serif;"><br /></span></div>
<div style="background-color: white; text-align: justify;">
<span style="color: #1a1a1b; line-height: 20.02px;"><span style="font-family: Arial, Helvetica, sans-serif;">Harga NAV (unit) : RM 0.50 (Customer nak jual fund)</span></span></div>
<div style="background-color: white; text-align: justify;">
</div>
<div style="background-color: white; text-align: justify;">
<span style="color: #1a1a1b;"><span style="font-family: Arial, Helvetica, sans-serif;"><br /></span></span></div>
<div style="background-color: white; text-align: justify;">
<span style="font-family: Arial, Helvetica, sans-serif;"><span style="color: #1a1a1b;">Jumlah : RM0.50 X </span><span style="color: #1a1a1b;">31,787 Unit </span></span></div>
<div style="background-color: white; text-align: justify;">
<span style="color: #1a1a1b;"><span style="font-family: Arial, Helvetica, sans-serif;"> : RM 15,893.50</span></span></div>
<div style="background-color: white; text-align: justify;">
<span style="color: #1a1a1b; line-height: 20.02px;"><span style="font-family: Arial, Helvetica, sans-serif;"><br /></span></span></div>
<div style="text-align: justify;">
<span style="color: #1a1a1b; font-family: Arial, Helvetica, sans-serif;"><span style="background-color: white;">Keuntungan : Earned Income - Capital </span></span></div>
<div style="text-align: justify;">
<span style="color: #1a1a1b; font-family: Arial, Helvetica, sans-serif;"><span style="background-color: white;"> : RM 15,893.50 - RM 10,000</span></span></div>
<div style="text-align: justify;">
<span style="color: #1a1a1b; font-family: Arial, Helvetica, sans-serif;"><span style="background-color: white;"> : RM 5,893.50</span></span></div>
<span style="font-family: Arial, Helvetica, sans-serif;"><span style="background-color: white; color: #1a1a1b; line-height: 20.02px;"></span></span><br />
<span style="font-family: Arial, Helvetica, sans-serif;"><br /></span>
<span style="font-family: Arial, Helvetica, sans-serif;">Keuntungan dalam % = 58.93 % </span><br />
<span style="font-family: Arial, Helvetica, sans-serif;">Jangka : 1 January 2015 - 1 Julai 2016 ( 18 Bulan)</span><br />
<span style="background-color: white; font-family: arial, helvetica, sans-serif;"><span style="color: #1a1a1b; line-height: 20.02px;"></span><span style="color: #1a1a1b; line-height: 20.02px;"></span></span><span style="background-color: white; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif;"></span><span style="background-color: white; font-family: arial, helvetica, sans-serif;"><span style="color: #1a1a1b; line-height: 20.02px;"></span></span><br style="background-color: white; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif;" />
<div style="background-color: white; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; text-align: justify;">
<span style="color: #1a1a1b; line-height: 20.02px;"><span style="font-family: arial, helvetica, sans-serif;"><br /></span></span></div>
<br style="background-color: white; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif;" />
<h3 style="background-color: white; color: #1a1a1b; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; margin: 0px; position: relative; text-align: justify;">
<br /></h3>
zulprudentialbsnhttp://www.blogger.com/profile/02781298203966284812noreply@blogger.com0tag:blogger.com,1999:blog-8129395217860619038.post-13122690100627969222017-09-05T21:22:00.000-07:002017-09-05T23:28:50.860-07:00Annual Limit <div class="separator" style="clear: both; text-align: left;">
<b>Annual Limit</b> : Limit yang diperuntukkan untuk kos rawatan pada ketika itu. Sekiranya habis digunakan anda kemungkin perlu membayar sendiri. </div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjYPbibdPIb8a1gopdsTmDniH6owL0w_i7OapzQtl4k9rc28IK_BCKFdDC0VmkcXx9A7FdXIHL8AMJWSxP6YaDu82hL82pvgq03ARArJdUBYbHA5Kub0D2tbTRUDbY1jyRhHPjow0ci5M0/s1600/HEALTH+ENRICH+%252B+TABLE.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="832" data-original-width="1135" height="233" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjYPbibdPIb8a1gopdsTmDniH6owL0w_i7OapzQtl4k9rc28IK_BCKFdDC0VmkcXx9A7FdXIHL8AMJWSxP6YaDu82hL82pvgq03ARArJdUBYbHA5Kub0D2tbTRUDbY1jyRhHPjow0ci5M0/s320/HEALTH+ENRICH+%252B+TABLE.jpg" width="320" /></a></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhKqGiBzXCt_6joTU2dVUVl1-eS9tnzH3rYOw1O9mMcjzEwjCdEFBHZ3UAGvjxdGoXx78dXbgqM8SlR1eOojlzU37KcoKbG2TdqrcZDhbslmTqx7njLm9t5hVOi-V7VvyGn_I1r7Kt9Oq4/s1600/20604527_10213697691064433_5009908221169348244_n.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="960" data-original-width="732" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhKqGiBzXCt_6joTU2dVUVl1-eS9tnzH3rYOw1O9mMcjzEwjCdEFBHZ3UAGvjxdGoXx78dXbgqM8SlR1eOojlzU37KcoKbG2TdqrcZDhbslmTqx7njLm9t5hVOi-V7VvyGn_I1r7Kt9Oq4/s320/20604527_10213697691064433_5009908221169348244_n.jpg" width="243" /></a></div>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj3hJtPJaJx0G5Y-InhZfMeZgGLYhEXQeJn2cTorebZi_rdkbtEMcfphJVDXTk2Dzjr5f6BHspsxfPoc1MXQRwz67Le4yr3l9WfJwqkj9HPH45al-DVUjScAnyAV1UeJEThOsTwaeKQi8M/s1600/Limit..jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="333" data-original-width="474" height="223" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj3hJtPJaJx0G5Y-InhZfMeZgGLYhEXQeJn2cTorebZi_rdkbtEMcfphJVDXTk2Dzjr5f6BHspsxfPoc1MXQRwz67Le4yr3l9WfJwqkj9HPH45al-DVUjScAnyAV1UeJEThOsTwaeKQi8M/s320/Limit..jpg" width="320" /></a></div>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<div class="separator" style="clear: both;">
#HibahTakaful</div>
<div class="separator" style="clear: both;">
#Hibah</div>
<div class="separator" style="clear: both;">
#HibahSuamiIsteri</div>
<div class="separator" style="clear: both;">
#HibahRM100</div>
<div class="separator" style="clear: both;">
#Hibah1Juta</div>
<div class="separator" style="clear: both;">
#HibahTunai</div>
<div class="separator" style="clear: both;">
#JomHibah</div>
<div class="separator" style="clear: both;">
#TakafulPrudentialBSN</div>
<div class="separator" style="clear: both;">
#KadPerubatanHospital</div>
<div class="separator" style="clear: both;">
#MedicalCard </div>
<div class="separator" style="clear: both;">
#KualaLumpur</div>
<div class="separator" style="clear: both;">
#Selangor</div>
<div class="separator" style="clear: both;">
#Kedah</div>
<div class="separator" style="clear: both;">
#Penang</div>
<div class="separator" style="clear: both;">
#PuncakAlam</div>
<br />zulprudentialbsnhttp://www.blogger.com/profile/02781298203966284812noreply@blogger.com0tag:blogger.com,1999:blog-8129395217860619038.post-76279535970533460862017-08-27T22:53:00.000-07:002017-08-27T22:54:28.216-07:00Status IJN dan Kad perubatan hospitalSeperti yang dimaklumkan oleh IJN.<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiMksAIQjd9zp5RU4XJrqP8NyhMn6Cr2FnXW3wzUhDD8Q4YScMW05h_iJoHkjk4l7mRdZFrz5KY3OyP953f11fbBZvviW0P2_jA01DNfWr2wBGUFMaNhBhcOVKO4aOTxHapiTAOElhVphc/s1600/IJN.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="448" data-original-width="477" height="298" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiMksAIQjd9zp5RU4XJrqP8NyhMn6Cr2FnXW3wzUhDD8Q4YScMW05h_iJoHkjk4l7mRdZFrz5KY3OyP953f11fbBZvviW0P2_jA01DNfWr2wBGUFMaNhBhcOVKO4aOTxHapiTAOElhVphc/s320/IJN.jpg" width="320" /></a></div>
<br />
<br />
Ini bermaksud, IJN berstatus Goverment Hospital TETAPI, system yang mereka pakai ialah, Seandainya anda mempunyai DANA PERUBATAN, maka anda DIDAHULUKAN. Tiada pembayaran RM 1 seperti hospital goverment lain.<br />
<br />
<br />
Kad perubatan hospital BSN menawarkan<br />
<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj-TBT8ljMs7tR552D6eqnwZIA9cSjl_XQ4S3QbNS6l15OYfA7JIwjkVBR5Po5yemXA5Ti3IISb30dIyxXm3oF6dzPIvTNRf54-_H1NQGlJtOtfJyV00JOrqZrMZtQr6LSXS4gtuJJqd6g/s1600/Limit..jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="333" data-original-width="474" height="223" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj-TBT8ljMs7tR552D6eqnwZIA9cSjl_XQ4S3QbNS6l15OYfA7JIwjkVBR5Po5yemXA5Ti3IISb30dIyxXm3oF6dzPIvTNRf54-_H1NQGlJtOtfJyV00JOrqZrMZtQr6LSXS4gtuJJqd6g/s320/Limit..jpg" width="320" /></a></div>
<br />
2 kali ganda annual limit untuk mengatasi kos perubatan<br />
1. Sakit Jantung<br />
2. Kanser<br />
3. Sakit buah pinggan.<br />
<br />
Zulkhairi Man<br />
<a href="http://www.wasap.my/60164055789">www.wasap.my/60164055789</a><br />
<br />
#KadPerubatanTakafulBSN<br />
#KadPerubatan<br />
#MedicalCard<br />
#TakafulPrudentialBSN<br />
#HibahRM100<br />
#HibahPrudentialBSN<br />
#Selangor<br />
#KualaLumpur<br />
#PuncakAlam<br />
#Hibah<br />
#ShahAlam<br />
<br />
<br />zulprudentialbsnhttp://www.blogger.com/profile/02781298203966284812noreply@blogger.com0tag:blogger.com,1999:blog-8129395217860619038.post-45899619204315683352017-08-10T22:05:00.000-07:002017-08-10T22:05:04.209-07:00Hibah Tunai <div style="background-color: white; color: #1d2129; margin-bottom: 6px; text-align: center;">
<b><u><span style="font-family: Arial, Helvetica, sans-serif;">Hibah Tunai</span></u></b></div>
<div style="background-color: white; color: #1d2129; margin-bottom: 6px;">
<span style="font-family: Arial, Helvetica, sans-serif;"><br /></span></div>
<div style="background-color: white; color: #1d2129; margin-bottom: 6px; margin-top: 6px;">
<span style="font-family: Arial, Helvetica, sans-serif;">1. Menolong dari segi wang saku untuk keluarga, melunaskan liabilities(hutang) simati.</span></div>
<div style="background-color: white; color: #1d2129; margin-bottom: 6px; margin-top: 6px;">
<span style="font-family: Arial, Helvetica, sans-serif;"><br /></span></div>
<div style="background-color: white; color: #1d2129; margin-bottom: 6px; margin-top: 6px;">
<span style="font-family: Arial, Helvetica, sans-serif;">2. Melindungi pinjaman perumahan (MLTT) insurance rumah, <span class="text_exposed_show" style="display: inline;"><br />*Kepada sesiapa yang ingin membuat Hibah (Rumah) diwajibkan mempunyai insurance rumah, maka disini Hibah Tunai dapat<br />membantu anda.</span></span></div>
<div class="text_exposed_show" style="background-color: white; display: inline;">
<span style="font-family: Arial, Helvetica, sans-serif;"><div style="color: #1d2129; margin-bottom: 6px;">
<br /></div>
<div style="color: #1d2129; margin-bottom: 6px;">
3. Hibah tunai kepada WARIS juga tidak boleh dipersoal oleh orang lain.</div>
<div style="color: #1d2129; margin-bottom: 6px; margin-top: 6px;">
<br /></div>
<div style="color: #1d2129; margin-bottom: 6px; margin-top: 6px;">
4. Hibah dibolehkan sama ada kepada ahli keluarga (waris) atau bukan ahli keluarga.</div>
<div style="color: #1d2129; margin-bottom: 6px; margin-top: 6px;">
<br /></div>
<div style="margin-bottom: 6px; margin-top: 6px;">
<span style="color: #1d2129;">HibahRM100</span></div>
<div style="margin-bottom: 6px; margin-top: 6px;">
<span style="color: #1d2129;">#HibahTakaful</span></div>
<div style="margin-bottom: 6px; margin-top: 6px;">
<span style="color: #1d2129;">#HibahSuamiIsteri</span></div>
<div style="margin-bottom: 6px; margin-top: 6px;">
<span style="color: #1d2129;">#TakafulPrudentialBSN</span></div>
<div style="margin-bottom: 6px; margin-top: 6px;">
<span style="color: #1d2129;">#KadPerubatanHospital</span></div>
<div style="margin-bottom: 6px; margin-top: 6px;">
<span style="color: #1d2129;">#KualaLumpur</span></div>
<div style="margin-bottom: 6px; margin-top: 6px;">
<span style="color: #1d2129;">#Selangor</span></div>
<div style="margin-bottom: 6px; margin-top: 6px;">
<span style="color: #1d2129;">#Hibah</span></div>
<div style="margin-bottom: 6px; margin-top: 6px;">
<span style="color: #1d2129;">#HibahTunai</span></div>
<div style="margin-bottom: 6px; margin-top: 6px;">
<span style="color: #1d2129;">#JomHibah</span></div>
<div style="margin-bottom: 6px; margin-top: 6px;">
<span style="color: #1d2129;">#HibahRM100</span></div>
<div style="margin-bottom: 6px; margin-top: 6px;">
<span style="color: #1d2129;">#KualaLumpur</span></div>
<div style="margin-bottom: 6px; margin-top: 6px;">
<span style="color: #1d2129;">#Selangor</span></div>
<div style="margin-bottom: 6px; margin-top: 6px;">
<span style="color: #1d2129;">#Kedah</span></div>
<div style="margin-bottom: 6px; margin-top: 6px;">
<span style="color: #1d2129;">#Penang</span></div>
<div style="margin-bottom: 6px; margin-top: 6px;">
<span style="color: #1d2129;">#Hibah250000</span></div>
<div style="margin-bottom: 6px; margin-top: 6px;">
<span style="color: #1d2129;">#HibahTakaful</span></div>
<div style="margin-bottom: 6px; margin-top: 6px;">
<span style="color: #1d2129;">#HibahSuamiIsteri</span></div>
<div style="margin-bottom: 6px; margin-top: 6px;">
<span style="color: #1d2129;">#TakafulPrudentialBSN</span></div>
<div style="margin-bottom: 6px; margin-top: 6px;">
<span style="color: #1d2129;"><br /></span></div>
<div style="margin-bottom: 6px; margin-top: 6px;">
<span style="color: #1d2129;">Zulkhairi Man.</span></div>
<div style="margin-bottom: 6px; margin-top: 6px;">
<span style="color: #1d2129;"><br /></span></div>
<div style="margin-bottom: 6px; margin-top: 6px;">
<span style="color: #1d2129;">www.wasap.my/60164055789/</span></div>
<div style="margin-bottom: 6px; margin-top: 6px;">
<span style="color: #1d2129;">Blog website : http://zulkhairiprubsn.blogspot.my</span></div>
<div style="margin-bottom: 6px; margin-top: 6px;">
<span style="color: #1d2129;">Facebook Page : Chef Takaful Prudential BSN Zulkhairi</span></div>
</span></div>
zulprudentialbsnhttp://www.blogger.com/profile/02781298203966284812noreply@blogger.com0tag:blogger.com,1999:blog-8129395217860619038.post-59017426207984956092017-08-08T20:58:00.000-07:002017-08-08T20:58:14.745-07:00Berapakah MLTT saya?Apa itu MLTT?<br />
<br />
MLTT ialah Mortgage Level Term Takaful<br />
<br />
MLTT ini ialah perlindungan terhadap Pinjaman Perumahan, Bukan untuk Rumah.<br />
<br />
Ini Bermaksud, Perlindungan Pinjaman Perumahan, untuk memberi jaminan kepada Bank & Peminjam, Sekirannya Peminjam GAGAL membayar ansuran rumah AKIBAT kematian.<br />
<br />
Pelan ini amat kepada yang tidak mempunya MRTT & bercadang membuat HIBAH (RUMAH) kepada orang tersayang.<br />
<br />
Ini adalah contoh untuk (perlindungan MLTT akibat kematian) : -<br />
<br />
Umur : 30, Lelaki, pekerjaan class 1, Tidak Merokok,<br />
<br />
1. Harga Rumah : RM 250,000 (Bulanan : RM 100)<br />
<a href="https://drive.google.com/open?id=0B9U_jPolr10UdDRnVVBnd1R3TkE">Click Sini </a><br />
<br />
<br />
2. Harga Rumah : RM 300,000 (Bulanan : RM 120)<br />
<a href="https://drive.google.com/open?id=0B9U_jPolr10UZzJBOEp6TXduQXc">Click Sini </a><br />
<br />
<br />
3. Harga Rumah : RM 400,000 (Bulanan : RM 160)<br />
<a href="https://drive.google.com/open?id=0B9U_jPolr10URzd3eWFYTnVFM3M">Click Sini</a><br />
<br />
4. Harga Rumah : RM 500,000 (Bulanan : RM 200)<br />
<a href="https://drive.google.com/open?id=0B9U_jPolr10UandSLXN0TGp2X1E">Click Sini</a><br />
<br />
<br />
5. Harga Rumah : RM 1 Juta (Bulanan : RM 390)<br />
<a href="https://drive.google.com/open?id=0B9U_jPolr10URGQ5dnZvWGY5d0U">Click sini </a><br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgVPNkHSepky_BuSMUtIunfXYjggWTXxeeVycEhhbYzxohITXTmWyKqukbeZpg_PpDjnjPEdzKOl4on8K5IX38LaCOPctscsyn1m7ejtpYijVXFYF1wvj4XXfq1gvAj1HY_JHgLP0axgXs/s1600/MLTT_MRTT.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="308" data-original-width="400" height="245" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgVPNkHSepky_BuSMUtIunfXYjggWTXxeeVycEhhbYzxohITXTmWyKqukbeZpg_PpDjnjPEdzKOl4on8K5IX38LaCOPctscsyn1m7ejtpYijVXFYF1wvj4XXfq1gvAj1HY_JHgLP0axgXs/s320/MLTT_MRTT.jpg" width="320" /></a></div>
<span id="goog_2079497272"></span><br />
<br />
<span style="background-color: white; color: #1d2129; font-family: "helvetica" , "arial" , sans-serif;">Tertarik? Whatapps saya secepat mungkin.</span><br />
<div style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; margin-bottom: 6px; margin-top: 6px;">
<br /></div>
<div style="background-color: white; margin-bottom: 6px; margin-top: 6px;">
<span style="color: #1d2129; font-family: "helvetica" , "arial" , sans-serif;">#HibahRumah</span></div>
<div style="background-color: white; margin-bottom: 6px; margin-top: 6px;">
<span style="color: #1d2129; font-family: "helvetica" , "arial" , sans-serif;">#MLTT</span></div>
<div style="background-color: white; margin-bottom: 6px; margin-top: 6px;">
<span style="color: #1d2129; font-family: "helvetica" , "arial" , sans-serif;">#RumahTakaful</span></div>
<div style="background-color: white; margin-bottom: 6px; margin-top: 6px;">
<span style="color: #1d2129; font-family: "helvetica" , "arial" , sans-serif;">#InsuranceRumah</span></div>
<div style="background-color: white; margin-bottom: 6px; margin-top: 6px;">
<span style="color: #1d2129; font-family: "helvetica" , "arial" , sans-serif;">#KadPerubatan</span></div>
<div style="background-color: white; margin-bottom: 6px; margin-top: 6px;">
<span style="color: #1d2129; font-family: helvetica, arial, sans-serif;">#Hibah</span></div>
<div style="background-color: white; margin-bottom: 6px; margin-top: 6px;">
<span style="color: #1d2129; font-family: "helvetica" , "arial" , sans-serif;">#HibahTunai</span></div>
<div style="background-color: white; margin-bottom: 6px; margin-top: 6px;">
<span style="color: #1d2129; font-family: "helvetica" , "arial" , sans-serif;">#JomHibah</span></div>
<div style="background-color: white; margin-bottom: 6px; margin-top: 6px;">
<span style="color: #1d2129; font-family: "helvetica" , "arial" , sans-serif;">#HibahRM100</span></div>
<div style="background-color: white; margin-bottom: 6px; margin-top: 6px;">
<span style="color: #1d2129; font-family: "helvetica" , "arial" , sans-serif;">#KualaLumpur</span></div>
<div style="background-color: white; margin-bottom: 6px; margin-top: 6px;">
<span style="color: #1d2129; font-family: "helvetica" , "arial" , sans-serif;">#Selangor</span></div>
<div style="background-color: white; margin-bottom: 6px; margin-top: 6px;">
<span style="color: #1d2129; font-family: "helvetica" , "arial" , sans-serif;">#Kedah</span></div>
<div style="background-color: white; margin-bottom: 6px; margin-top: 6px;">
<span style="color: #1d2129; font-family: "helvetica" , "arial" , sans-serif;">#Penang</span></div>
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<span style="color: #1d2129; font-family: "helvetica" , "arial" , sans-serif;">#Hibah250000</span></div>
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<span style="color: #1d2129; font-family: "helvetica" , "arial" , sans-serif;">#HibahTakaful</span></div>
<div style="background-color: white; margin-bottom: 6px; margin-top: 6px;">
<span style="color: #1d2129; font-family: "helvetica" , "arial" , sans-serif;">#HibahSuamiIsteri</span></div>
<div style="background-color: white; margin-bottom: 6px; margin-top: 6px;">
<span style="color: #1d2129; font-family: "helvetica" , "arial" , sans-serif;">#TakafulPrudentialBSN</span></div>
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Zulkhairi Man.</div>
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<a data-ft="{"tn":"-U"}" href="http://www.wasap.my/60164055789/" rel="nofollow noopener" style="color: #365899; cursor: pointer; font-family: inherit; text-decoration-line: none;" target="_blank">www.wasap.my/60164055789/</a></div>
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<br /></div>
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Blog website : <a data-ft="{"tn":"-U"}" href="http://zulkhairiprubsn.blogspot.my/" rel="nofollow noopener" style="color: #365899; cursor: pointer; font-family: inherit; text-decoration-line: none;" target="_blank">http://zulkhairiprubsn.blogspot.my</a></div>
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Facebook Page : Chef Takaful Prudential BSN Zulkhairi</div>
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<br />zulprudentialbsnhttp://www.blogger.com/profile/02781298203966284812noreply@blogger.com0tag:blogger.com,1999:blog-8129395217860619038.post-20603606039020316482017-08-08T19:39:00.002-07:002017-08-08T19:39:43.322-07:00Takaful Perubatan Anak !!!<br />
Takaful Perubatan untuk Anak anda!!!!<br />
<br />
RM130 SEBULAN<br />
<br />
Termasuk :<br />
1. Takaful Hayat (Konsep Hibah)<br />
2. Kad Perubatan<br />
3. Penyakit Kritikal (36 Jenis Penyakit)<br />
4. Kemalangan dan cacat Kekal<br />
5. Kemalangan dan perubatan<br />
6. Parent Contibutor (Polisi waiver sekiranya kecelakaan kepada pembayar)<br />
<br />
Click link untuk melihat quotation.<br />
<br />
https://drive.google.com/open?id=0B9U_jPolr10UcmhqSi1kMTkzYm8<br />
<br />
6 Perkara dalam satu polisi bernilai RM130 untuk anak anda yang berusia 2 Tahun keatas.<br />
<br />
Tertarik? Whatapps saya secepat mungkin.<br />
<br />
<br />
#KadPerubatanAnak<br />
#KadPerubatanBudak<br />
#KanakKanak<br />
<br />
<br />
#Hibah<br />
#HibahTunai<br />
#JomHibah<br />
#HibahRM100<br />
#KualaLumpur<br />
#Selangor<br />
#Kedah<br />
#Penang<br />
#Hibah250000<br />
#HibahTakaful<br />
#HibahSuamiIsteri<br />
#TakafulPrudentialBSN<br />
<br />
Zulkhairi Man.<br />
<br />
www.wasap.my/60164055789/<br />
<br />
Blog website : http://zulkhairiprubsn.blogspot.my<br />
<br />
Facebook Page : Chef Takaful Prudential BSN Zulkhairi<br />
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zulprudentialbsnhttp://www.blogger.com/profile/02781298203966284812noreply@blogger.com0tag:blogger.com,1999:blog-8129395217860619038.post-50900151078549220862017-08-03T22:06:00.002-07:002017-08-03T22:06:23.264-07:00Hibah Suami Isteri & sesiapa Sahaja<div style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px; margin-bottom: 6px;">
Hibah dalam takaful ialah Hibah Bersyarat; khusus dan istimewa.</div>
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Hibah bersyarat adalah salah satu instrument untuk harta pusaka,<br />dimana keluarga boleh mendapatkan TUNAI dalam keadaan CEPAT berbanding pengurusan harta seperti rumah dan kereta.</div>
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Hibah bersyarat mempunyai 3 perkara :<br />1. Pemberi hibah (Pemegang Takaful).<br />2. Penerima hibah (Nama yang akan menerima Hibah)<br />3. Barang hibah (Pampasan Takaful)</div>
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Takaful Hibah (atau takaful nyawa) secara teorinya tidak mempunyai nilai tunai apabila pemunya sijil takaful itu hidup.<br />AKAN TETAPI, Takaful akan menjadi barang hibah apabila berlakunya kematian – di sini barulah wujud barang hibah iaitu pampasan takaful itu sendiri.</div>
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Click Link untuk melihat Quotation :<br />(Berdasarkan Jantina : Lelaki (30 tahun), Non Smoker, Pekerjaan = Kelas 1)</div>
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Hibah RM250,000 (Bulanan RM 100)<br /><a data-ft="{"tn":"-U"}" href="https://l.facebook.com/l.php?u=https%3A%2F%2Fdrive.google.com%2Fopen&h=ATNfl1XehJutzLZXhkQydPgkldvt6fUivx_Fv_WUIg78-Yi1Eus2lp7-H7w4pFKQ_38ejSYRrER3KHAtm-IgP7JcUdYAMo0CjRteE3zgifd6Z_j9GocQgXCuuloAQSFAyC90FswdPR0k&enc=AZOTI3wIkvxeygSVFeeTtNNgwTXUVhfwAHKEVZg-TQQBtV-fhrm49cYr7Nc2XmXDLPB_mb9tC1UOBUyXkak1aDqboASsiblUXTcuoem4OXTtOztN8Bfr0xGrCvzgrtVlbGPPYjYKFRTqZXbj9FGjacfSfcgr4j1VHLO2AOX9UUCsaw&s=1" rel="nofollow noopener" style="color: #365899; cursor: pointer; font-family: inherit; text-decoration-line: none;" target="_blank">https://drive.google.com/open</a>…</div>
<div style="font-family: inherit; margin-bottom: 6px; margin-top: 6px;">
Hibah RM300,000 (Bulanan RM 120)<br /><a data-ft="{"tn":"-U"}" href="https://l.facebook.com/l.php?u=https%3A%2F%2Fdrive.google.com%2Fopen&h=ATOpLmBm10pvzwv61Tmh31AWJPFvwX3p_DNDP6H3AxzyqwoOcinsq3QAJCwirpIjPV7LxTx9a0X0wRLU6g2rC0tGaAJurnyb9eY6ZYtS5rualMbk5Q8LGaACOwBRAufKQrv3biZ1F4JD&enc=AZPRYhTeC11loPS7-MMJrpWn_fQg0N7df7izbchULbDjVcsAxpuYIpzZuzla3EE7cP2Y4gvOAojUKY9BoS-Om5jdCs0n-dDI73VBMccqT7a8zCN2YtRr_n7fjXONhBFE7ksyljz4ZRG-YklIthFKfHBKiqNU3VRmBv_PeURiEvyzrg&s=1" rel="nofollow noopener" style="color: #365899; cursor: pointer; font-family: inherit; text-decoration-line: none;" target="_blank">https://drive.google.com/open</a>…</div>
<div style="font-family: inherit; margin-bottom: 6px; margin-top: 6px;">
Hibah RM400,000 (Bulanan RM 160)<br /><a data-ft="{"tn":"-U"}" href="https://l.facebook.com/l.php?u=https%3A%2F%2Fdrive.google.com%2Fopen&h=ATO_6huMX7uyyY3VLtzcjkjgRnaoIWSO0tM-hQNB6yHUBQQMGHm5qrOBRT-2G3RpOm_dZPBMOOx8PBbNl3e8xvEuXMRuWmgJYoJ2ykkKiKad1e29kH0MbwSYgRxE-_nZLnLkMQ-jj5S_&enc=AZP4qfrcu0cH17v1zdq9M8PkLP1ebDsaYEdiXc7aUACf45Ajz6UVau7eVDshGja8cifuD1OFxDeJBvRLOUHsaAhQpRPCjdvuPMu2iZCqT28cj98cwFXCt7PYMItqLmoUfjx3y4UXTKaY_39SuHUKuHpF5rHdpby7jzD-0nfl1aiJ3w&s=1" rel="nofollow noopener" style="color: #365899; cursor: pointer; font-family: inherit; text-decoration-line: none;" target="_blank">https://drive.google.com/open</a>…</div>
<div style="font-family: inherit; margin-bottom: 6px; margin-top: 6px;">
Hibah RM500,000 (Bulanan RM 200)<br /><a data-ft="{"tn":"-U"}" href="https://l.facebook.com/l.php?u=https%3A%2F%2Fdrive.google.com%2Fopen&h=ATM5SlyDKnsPoxeBqCAA6Ful9-uS4RLo0nBoPZTNo2Itwc0IzPYH_JR3LZ5tDj_VZ_ox3onLnwc7vUTBIy3XBorrSJvDOT9Baxcr4vOHsv82obttIxwJ9s6YMg69jkWMenqxwOLd20ux&enc=AZNwechKQrVorcsVksJme2NZY1NFmJIixb4qlkpZ_10FLDWYnWpO_c6SUdmEyvXG6-_o-JosDLaLZVdLdijsG926GWom-Y7mX6OAWp5zxZANYttCPU4Ed5fF2yJIhjzqLM7yviAzRtHtGXsqxJwYQGDLyOfePLjylFtArbpHY9RWBg&s=1" rel="nofollow noopener" style="color: #365899; cursor: pointer; font-family: inherit; text-decoration-line: none;" target="_blank">https://drive.google.com/open</a>…</div>
<div style="font-family: inherit; margin-bottom: 6px; margin-top: 6px;">
Hibah RM1,000,000 (Bulanan RM 390)<br /><a data-ft="{"tn":"-U"}" href="https://l.facebook.com/l.php?u=https%3A%2F%2Fdrive.google.com%2Fopen&h=ATOtGJ42LvUo-OZstBkZspTTAUjUXSJnse4cFFGTLEJcC_Spm_rlHuvBzXRV3J7rFSRfSFf0T5qofoGToL0yh30_ZI236-QLezLFRsvSgRFEc6o4GLgltUW9alo9Lj-8nI_-nhpQTO5-&enc=AZMiaAz-xPPETWXVPTCjLvdCRmwGVpGodsH0imz2irG2GE9rJtkmzfPcH-P3eDRFpZx9P36BlMeOLwMTNFv5jSP-rVy5iqrW8vCTR6_RgUzLtoD6WwffeFIPbNqbkAav8R5pVk3NDkutvC8ESH5vGwYtcHWNIADCyhlC_d-SiYN7Zg&s=1" rel="nofollow noopener" style="color: #365899; cursor: pointer; font-family: inherit; text-decoration-line: none;" target="_blank">https://drive.google.com/open</a>…</div>
<div style="font-family: inherit; margin-bottom: 6px; margin-top: 6px;">
Zulkhairi Man.<br />Phone : 016-405 5789<br /><a data-ft="{"tn":"-U"}" href="https://l.facebook.com/l.php?u=http%3A%2F%2Fwww.wasap.my%2F60164055789%2F&h=ATMEfUod8eiBUK4uAsiu1GXQhO7biOhKcRLE_WzWUKo4crWhQZ1XyAsd9aPZOnmpefYpTxl20brrMhh4NiyTcPi_mssiEcA-TZ7vazQ61BEA_dqhjlrWolDDO8bJpVh3QLh-0MzqTao5&enc=AZMmO2LTOqfLljtywA2hT_EW7WXoZwGlFKQx2DSqCSttBahdwxpEJcKDlzQ2nRXTPxcKcDeFebbiJSPLWk0ddqOGyK1rtrxids_4nerYP31JFeW-OS0pMZW6XH089RG8285xSSwEUvjzFra4--7k3JuF1VL9b-nyzDUhsXWqY6MMBw&s=1" rel="nofollow noopener" style="color: #365899; cursor: pointer; font-family: inherit; text-decoration-line: none;" target="_blank">www.wasap.my/60164055789/</a></div>
<div style="font-family: inherit; margin-bottom: 6px; margin-top: 6px;">
Blog website : <a data-ft="{"tn":"-U"}" href="http://zulkhairiprubsn.blogspot.my/" rel="nofollow noopener" style="color: #365899; cursor: pointer; font-family: inherit; text-decoration-line: none;" target="_blank">http://zulkhairiprubsn.blogspot.my</a><br />Facebook Page : Chef Takaful Prudential BSN Zulkhairi</div>
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<a class="_58cn" data-ft="{"tn":"*N","type":104}" href="https://www.facebook.com/hashtag/jomhibah?source=feed_text" style="color: #365899; cursor: pointer; font-family: inherit; text-decoration-line: none;"><span class="_5afx" style="direction: ltr; font-family: inherit; unicode-bidi: isolate;"><span aria-label="hashtag" class="_58cl _5afz" style="color: #4267b2; font-family: inherit; unicode-bidi: isolate;">#</span><span class="_58cm" style="font-family: inherit;">JomHibah</span></span></a><br /><a class="_58cn" data-ft="{"tn":"*N","type":104}" href="https://www.facebook.com/hashtag/hibahrm100?source=feed_text" style="color: #365899; cursor: pointer; font-family: inherit; text-decoration-line: none;"><span class="_5afx" style="direction: ltr; font-family: inherit; unicode-bidi: isolate;"><span aria-label="hashtag" class="_58cl _5afz" style="color: #4267b2; font-family: inherit; unicode-bidi: isolate;">#</span><span class="_58cm" style="font-family: inherit;">HibahRM100</span></span></a><br /><a class="_58cn" data-ft="{"tn":"*N","type":104}" href="https://www.facebook.com/hashtag/kualalumpur?source=feed_text" style="color: #365899; cursor: pointer; font-family: inherit; text-decoration-line: none;"><span class="_5afx" style="direction: ltr; font-family: inherit; unicode-bidi: isolate;"><span aria-label="hashtag" class="_58cl _5afz" style="color: #4267b2; font-family: inherit; unicode-bidi: isolate;">#</span><span class="_58cm" style="font-family: inherit;">KualaLumpur</span></span></a><br /><a class="_58cn" data-ft="{"tn":"*N","type":104}" href="https://www.facebook.com/hashtag/selangor?source=feed_text" style="color: #365899; cursor: pointer; font-family: inherit; text-decoration-line: none;"><span class="_5afx" style="direction: ltr; font-family: inherit; unicode-bidi: isolate;"><span aria-label="hashtag" class="_58cl _5afz" style="color: #4267b2; font-family: inherit; unicode-bidi: isolate;">#</span><span class="_58cm" style="font-family: inherit;">Selangor</span></span></a><br /><a class="_58cn" data-ft="{"tn":"*N","type":104}" href="https://www.facebook.com/hashtag/kedah?source=feed_text" style="color: #365899; cursor: pointer; font-family: inherit; text-decoration-line: none;"><span class="_5afx" style="direction: ltr; font-family: inherit; unicode-bidi: isolate;"><span aria-label="hashtag" class="_58cl _5afz" style="color: #4267b2; font-family: inherit; unicode-bidi: isolate;">#</span><span class="_58cm" style="font-family: inherit;">Kedah</span></span></a><br /><a class="_58cn" data-ft="{"tn":"*N","type":104}" href="https://www.facebook.com/hashtag/penang?source=feed_text" style="color: #365899; cursor: pointer; font-family: inherit; text-decoration-line: none;"><span class="_5afx" style="direction: ltr; font-family: inherit; unicode-bidi: isolate;"><span aria-label="hashtag" class="_58cl _5afz" style="color: #4267b2; font-family: inherit; unicode-bidi: isolate;">#</span><span class="_58cm" style="font-family: inherit;">Penang</span></span></a><br /><a class="_58cn" data-ft="{"tn":"*N","type":104}" href="https://www.facebook.com/hashtag/hibah250000?source=feed_text" style="color: #365899; 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zulprudentialbsnhttp://www.blogger.com/profile/02781298203966284812noreply@blogger.com0tag:blogger.com,1999:blog-8129395217860619038.post-14134677633227035442017-07-05T00:22:00.001-07:002017-07-05T00:33:31.563-07:00HIBAH dalam TakafulHibah<br />
<br />
Apa itu Hibah?<br />
1. Salah satu instrument pembahagian harta, selain dari Faraid dan Wasiat.<br />
<br />
Harta yang boleh dihibah.<br />
1. Semua jenis harta yang di atas nama pemilik boleh dihibahkan.<br />
2. Contoh seperti hartanah (rumah, tanah, kondominium, apartment dan lain lain <br />
saham syarikat dan saham-saham unit amanah<br />
3. Wang Ringgit.<br />
<br />
Hibah berfungsi:-<br />
1. Bertindak sebagai medium untuk melunaskan liabilities(hutang).<br />
2. Melindungi pinjaman perumahan (MLTT).<br />
3. Dijadikan sebagai kalis tuntutan hutang (Creditor proof).<br />
4. Hak kepada WARIS juga tidak boleh dipersoal oleh orang lain.<br />
<br />
<b><span style="font-size: large;"><br /></span></b>
<b><span style="font-size: large;">Mampu Ker Saya Nak Mempunyai Pelan Hibah Ini?</span></b><br />
<br />
<u><b>Pelan Hibah Termasuk</b></u><br />
1. Manfaat Kematian.<br />
2. Manfaat waiver (Sekiranya pemilik polisi mengalami sakit kritikal,<br />
Bayaran bulanan akan "<b>Waive</b>").<br />
4. Mempunyai pulangan (<b>TIDAK JAMIN</b>). Akan tetapi ini bukan fokus utama dalam pelan ini.<br />
<br />
Click Link untuk melihat Quotation :<br />
(Berdasarkan Jantina : Lelaki (30 tahun), Non Smoker, Pekerjaan = Kelas 1)<br />
<br />
> <a href="https://drive.google.com/open?id=0B9U_jPolr10UdDRnVVBnd1R3TkE">Hibah RM250,000 (Bulanan RM 100) </a><br />
<br />
> <a href="https://drive.google.com/open?id=0B9U_jPolr10UZzJBOEp6TXduQXc">Hibah RM300,000 (Bulanan RM 120) </a><br />
<br />
> <a href="https://drive.google.com/open?id=0B9U_jPolr10URzd3eWFYTnVFM3M">Hibah RM400,000 (Bulanan RM 160) </a><br />
<br />
> <a href="https://drive.google.com/open?id=0B9U_jPolr10UandSLXN0TGp2X1E">Hibah RM500,000 (Bulanan RM 200) </a><br />
<br />
> <a href="https://drive.google.com/open?id=0B9U_jPolr10URGQ5dnZvWGY5d0U">Hibah RM1,000,000 (Bulanan RM 390) </a><br />
<br />
<br />
<br />zulprudentialbsnhttp://www.blogger.com/profile/02781298203966284812noreply@blogger.com0tag:blogger.com,1999:blog-8129395217860619038.post-78306409670645613662017-06-19T01:30:00.001-07:002017-06-19T01:30:15.902-07:00Persoalan tentang Quotation.Untuk mendapatkan quotation takaful anda perlu menyatakan<br />
<br />
<b>1. Umur</b><br />
<b>2. Jantina</b><br />
<b>3. Merokok @ tidak merokok</b><br />
<b>4. Class Pekerjaan</b><br />
<br />
Umur?<br />
Semakin meningkat umur kita, semakin tinggi caruman bulanan kita.<br />
<br />
Jantina ?<br />
Lelaki dan perempuan lain. Jantina juga memainkan peranan dari segi penyakit kritikal.<br />
<br />
Merokok @ tidak merokok ?<br />
Mengetahui kebarangkalian tahap kesihatan seseorang.<br />
<br />
Class Pekerjaan ?<br />
Ini juga peranan penting dalam mengetahui kebarangkalian sesorang terdedah dengan risiko perkejaannya.<br />
<br />
Ada semua itu, barulah agent akan generate quotation untuk anda.<br />
Agent bukan sesaja generate quotation ye. Setiap system yang digunakan akan mengikut piawai dari bank negara. <b><i>Jadi tiada istilah agent ikut dan buat harga @ main harga. </i></b>Pi la mana mana company insurance mesti pakai system tuk generate quotation.<br />
<br />
<br />
<b><span style="color: red; font-size: large;">"Jadi? apsal kadang kadang harga lain, pastu agent lain bg harga lain yang ini harga lain, tapi</span></b><br />
<b><span style="color: red; font-size: large;">Coverage tahunan macam sama ja"</span></b><br />
<br />
Anda sudah pasti?<br />
<br />
1. Pastikan information yang anda provide kepada agent itu betul.<br />
- Umur = betul<br />
- Jantina = betul<br />
- Merokok @ tidak merokok = betul<br />
<i><b>(harga akan berlainan kalau ya = merokok dan tidak = merokok)</b></i><br />
- Class pekerjaan = Kalau class 1. Nyatakan 1.<br />
<b><i>Lain class lain harganya.</i></b><br />
<br />
2. Pastikan quotation yang anda nak sesuai dengan anda.<br />
- Berapa tempoh tahunan ? 70 ? - 80 ? @ 100 tahun ?<br />
<b><i>Lain lain tempoh lain harga walaupun perlindungan yang tetap. </i></b><br />
<br />
3. Pastikan semula apa yang dinyatakan didalam quotation anda.<br />
- Takaful Life?<br />
- Kad perubatan medical ?<br />
- Kemalangan @ Cacat kekal ?<br />
- atau lain lain rider.<br />
<br />
Quotation takaful ada 2 cara<br />
<b>1. Mengikut budget anda</b><br />
<b>2. Mengikut keperluan anda @ nyatakan perlindungan yang anda nak.</b><br />
<br />
Anda was was? nyatakan kepada saya<br />
<br />
<br />
<br />
<b>Ini adalah contoh quotation pada tahun 2016</b><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiMAXO8v8JgicGmZ1RGUc1XQ1__Drzpasn0H6MOr2YnmGkLmh_q82y2RfmNAmuan0y4aEJgiPOUFA9mhNFH5-Bepis08ExGfCQCAKgqjX0iBiSZ-28E2v52e5u5JarnvjzkDpA1APDjFcY/s1600/cthquo.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="719" data-original-width="960" height="238" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiMAXO8v8JgicGmZ1RGUc1XQ1__Drzpasn0H6MOr2YnmGkLmh_q82y2RfmNAmuan0y4aEJgiPOUFA9mhNFH5-Bepis08ExGfCQCAKgqjX0iBiSZ-28E2v52e5u5JarnvjzkDpA1APDjFcY/s320/cthquo.jpg" width="320" /></a></div>
<br />
<br />
<br />
Zulkhairi Man.<br />
Phone : 016-405 5789<br />
Blog website : http://zulkhairiprubsn.blogspot.my<br />
Facebook Page : Chef Takaful Prudential BSN Zulkhairizulprudentialbsnhttp://www.blogger.com/profile/02781298203966284812noreply@blogger.com0tag:blogger.com,1999:blog-8129395217860619038.post-91625082806305830992017-06-18T20:21:00.001-07:002017-06-18T20:21:02.382-07:00Antara Standalone Medical Card & Rider Medical Card Assalamualaikum. Selamat Berpuasa dan selamat menyambut Aidilfitri yang bakal menjelang tiba.<br />
<br />
Hari ini saya nak mengupas topik tentang Standalone Medical Card atau Rider Medical Card.<br />
<br />
Bak kata KCLau "<br />
<br />
<h1 class="the-title" style="-webkit-font-smoothing: antialiased; background-color: white; border: 0px; color: #222222; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-stretch: inherit; font-variant-numeric: inherit; letter-spacing: -1px; line-height: 1.1em !important; margin: 0px; padding: 0px 0px 14px; vertical-align: baseline;">
<a href="https://kclau.com/insurance/standalone-medical-vs-rider/"><span style="font-size: small;">What You Should Know When Buying Standalone Medical Card Vs. a Rider and Make the Right Decision "</span></a></h1>
<b>Standalone Medical card</b> : " Bersenang senang dahulu, bersakit sakit kemudian. "<br />
Maksud Stand alone : <b><i>TIDAK PERLU</i></b> disertakan life Takaful. Dikenali jugak sebagai "Medical term", "Group Term". Sekiranya company anda mempunyai medical card, medical card anda ialah "Group Term"<br />
<br />
<b>Rider Medical Card</b> : " Bersakit sakit dahulu, bersenang senang kemudian. "<br />
Maksud Rider Medical Card : Adalah rider(tambahan) dalam satu polisi dengan pelan Life Takaful.<br />
Polisi tamat mengikut tamatnya polisi Life Takaful. Kebiasaan kalau polisi lifetime -sehingga umur 70~80~90~100 thn. Bagi yang ada tempoh matang adalah sehingga tempoh matang. Harga premium <i><b>TIDAK BERUBAH</b></i> sehingga tamat polisi kecuali upgrading @ arahan dari bank negara.<br />
<br />
<br />
<b><u><span style="color: red;">Perbezaan Antara :</span></u></b><br />
<br />
<b>Standalone Medical card</b><br />
1. <b><i>TIDAK PERLU</i></b> attach dengan Takaful Hayat.<br />
2. Harga <b><i>MURAH</i></b> (<b><i>NAMUN</i></b> akan ada <b><i>kenaikan harga untuk setiap 5 tahun</i></b> mengikut umur).<br />
3. <b><i>Tiada saving</i></b> (cash value), kenaikan kos (setiap 5 tahun) akan ditanggung oleh pengguna.<br />
<b><i>Jika terlewat bayar maka polisi akan luput(lapse)</i></b>, serta merta (mengikut tempoh yang dberikan oleh syarikat insuran).<br />
4. <b><i>KEMUNGKINAN NON-RENEWABLE CLAUSES</i></b> sekiranya telah disahkan mengidap penyakit (Please check with takaful company)<br />
5. Bayaran bulanan akan hangus seperti insurance kereta.<br />
<br />
<br />
<b>Rider Medical Card</b><br />
1. Apabila kita mengambil medical card rider, kita <b><i>perlu </i></b>mengambil sekali polisi pelaburan. Wajib!<br />
2. Harga <b><i>MAHAL</i></b> (disebabkan polisi diambil dengan life takaful dan pelaburan (investment link policy)<br />
3. <b><i>Mempunyai saving</i></b> (Cash Value). Payah untuk lapse selagi masih ada baki simpanan dalam akaun, ini kerana Polisi life & Medical Card anda mungkin <i><b>tidak lapse untuk 5-6 tahun akan datang sehigga habis duit simpanan(cash value) anda</b></i>.<br />
4. Polisi tetap berjalan seperti biasa.<br />
5. Bayaran bulanan tidak hangus.<br />
<br />
<br />
"<b><span style="font-size: large;">Buat apa cash value, Saya beli takaful bukan untuk simpanan</span></b>"<br />
<br />
Betul, ini memang betul. Kalau nak simpan boleh ke SSPN-i, ASB, Saving Account atau sebagainya. Lebih banyak anda simpan<br />
Lebih besar pulangan anda.<br />
<br />
<b><span style="font-size: large;">"Kita ambil medical card bukan untuk menyimpan duit, kita ambil medical card untuk cover kos rawatan hospital."</span></b><br />
<br />
Apa yang dimaksudkan CASH VALUE didalam rider Medical card ialah.<br />
<br />
1. Sekiranya anda mempunyai masalah kewangan dan anda tidak dapat membayar caruman takaful pada bulan tersebut. Polisi anda tetap berjalan seperti biasa. Ini kerana Cash Value dalam takaful tersebut menolong anda.<br />
<br />
2. Cash Value bukan datang senang senang. Anda hanya akan mempunyai Cash value pada tahun ke 3 -5. Saya tidak pernah menjanjikan bulan bintang untuk mencapai target cash value anda pada tahun tahun tertentu.<br />
<br />
Akan Tapi saya taknak Takaful anda senang senang lapse, atau berhenti ditengah jalan akibat kesempitan wang pada bulan bulan tertentu.<br />
<br />
Harus diingatkan takaful yang dibeli ialah untuk long-term, bukan short term payment. Jadi cash value ini membantu anda agar takaful anda tidak berhenti ditengah jalan. <br />
<br />
3. <b>Cash value bukan untuk simpanan hari tua</b>, tapi simpanan agar takaful anda tidak mudah lapse.<br />
<br />
<b><span style="color: red;"><i>Ada satu kes, sudah 3 bulan tak bayar caruman tapi polisi masih in-force, ini kerana cash value anda menolong anda. </i></span></b><br />
<b><span style="color: red;"><i><br /></i></span></b>
<b><i>Pakej yang saya tawarkan. </i></b><br />
<b><i><br /></i></b>
<b><i>1. Kadar bilik yang bersesuaian yang tahan inflasi.</i></b><br />
<b><i>2. Rawatan ICU, Pembedahan</i></b><br />
<b><i>3. Rawatan sakit kritikal (double perlindungan!!!)</i></b><br />
<b><i>4. Rawatan komplikasi ketika pregnant !!!</i></b><br />
<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEipcBpi_cIqRGc0UO-sGpNsodjWe7Fr8lf0PrceTZDCyvc9uExNUWk65BppaOtMsWI59IL9WQ7pCTAIbTa9XWM6QWVvleVh4yDem0CeHAGn38Od5B7f07v9hfcf8l_f28_Qv6SuXfXKZms/s1600/Medical+Card.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="615" data-original-width="851" height="231" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEipcBpi_cIqRGc0UO-sGpNsodjWe7Fr8lf0PrceTZDCyvc9uExNUWk65BppaOtMsWI59IL9WQ7pCTAIbTa9XWM6QWVvleVh4yDem0CeHAGn38Od5B7f07v9hfcf8l_f28_Qv6SuXfXKZms/s320/Medical+Card.jpg" width="320" /></a></div>
<br />
<br />
<br />
Zulkhairi Man.<br />
Phone : 016-405 5789<br />
Blog website : http://zulkhairiprubsn.blogspot.my<br />
Facebook Page : Chef Takaful Prudential BSN Zulkhairizulprudentialbsnhttp://www.blogger.com/profile/02781298203966284812noreply@blogger.com0tag:blogger.com,1999:blog-8129395217860619038.post-23439483475038005372017-05-23T18:25:00.004-07:002017-05-23T18:25:50.228-07:00Tanya sama poket. Semasa hendak mencarum takaful. Tanya sama poket, atau tanya pada diri sendiri apa keperluan anda.<br />
<br />
Bagi pendapat agent seeloknya 10% dari gaji anda.<br />
<br />
Ekonomi tak menentu, barang kian meningkat, sana sini kena bayar. Tetapi, anda masih boleh mendapatkan takaful untuk diri anda dan keluarga anda.<br />
<br />
Bagaimana? Dapatkan <b><u>basic keperluan untuk dilindungi</u></b>.<br />
<br />
Sebagai contoh: -<br />
<br />
<b>1. Wang pampasan kematian.</b><br />
Nyawa tidak dapat dinilaikan dengan wang ringgit. Wang pampasan ini bukanlah bermaksud takaful ingin nilaikan nyawa anda dengan wang ringgit. Wang pampasan ini berbentuk instrument Hibah, yang akan memberi sokongan kepada pasangan/anak anak dari segi pembelanjaan rumah, menyelesaikan hutang hutang simati, dan sebagainya.<br />
<br />
<b>2. Kad perubatan hospital. </b><br />
- Ambil yang basic. Yang penting mencukupi untuk kos perubatan anda, dan dapat menangung kos perubatan sakit kritikal seperti sakit jantung, canser, kencing manis dan sebagainya.<br />
<br />
<b>3. Saving.</b><br />
- Tidak menyarankan saving di takaful, akan tetapi bagi plan kanak kanak saya mengalakkan ibu bapa mengambil plan individu untuk anak anak.<br />
<br />
<ul>
<li>Mempunyai <b>saving yang tersendiri.</b> </li>
<li>Mendapat hadiah sekiranya <b>result cemerlang</b> dari segi pendidikan.</li>
<li><b>FREE policy</b> sekiranya parents meninggal dunia.</li>
<li>Mempunyai <b>wang pampasan</b> sekiranya meninggal dunia. </li>
</ul>
<div>
<br /></div>
<br />
<b><u>Sebagai contoh: Dewasa </u></b><br />
<br />
<b>Jantina : Lelaki , Umur : 30 tahun, Pekerjaan : Programmer, Tidak merokok</b><br />
Caruman bulanan : RM 170<br />
Life : RM 100,000 (Hibah)<br />
Kos perubatan hospital : RM100,000 (RM200,000 Sakit kritikal, bilik RM 200)<br />
<br />
<b>Jantina : Perempuan , Umur : 28 tahun, Pekerjaan : Accountant, Tidak merokok</b><br />
Caruman bulanan : RM 160<br />
Life : RM 100,000 (Hibah)<br />
Kos perubatan hospital : RM100,000 (RM200,000 Sakit kritikal, bilik RM 200)<br />
<br />
<br />
<b>*Bagi perempuan, ia sudah dilingdungi dengan 8 jenis komplikasi ketika mengandung. </b><br />
<b>*Bagi pelan bayi/kanak-kanak pelan bermula dari RM130. (FREE Polisi sekiranya parents meninggal dunia).</b><br />
<b><br /></b>
<span style="background-color: white; font-family: Lora, serif; font-size: 16px; line-height: 27px;"><br /></span>
<span style="background-color: white; font-family: Lora, serif; font-size: 16px; line-height: 27px;">Zulkhairi Man.</span><br style="background-color: white; font-family: Lora, serif; font-size: 16px; line-height: 27px;" /><span style="background-color: white; font-family: Lora, serif; font-size: 16px; line-height: 27px;">Phone : 016-405 5789</span><br style="background-color: white; font-family: Lora, serif; font-size: 16px; line-height: 27px;" /><span style="background-color: white; font-family: Lora, serif; font-size: 16px; line-height: 27px;">Blog website : http://zulkhairiprubsn.blogspot.my</span><br style="background-color: white; font-family: Lora, serif; font-size: 16px; line-height: 27px;" /><span style="background-color: white; font-family: Lora, serif; font-size: 16px; line-height: 27px;">Facebook Page : Chef Takaful Prudential BSN Zulkhairi</span><br />
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<br />
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<br />zulprudentialbsnhttp://www.blogger.com/profile/02781298203966284812noreply@blogger.com0tag:blogger.com,1999:blog-8129395217860619038.post-91263086437033156672017-05-22T20:07:00.001-07:002017-05-22T20:07:21.043-07:00MLTT & MRTT <b>MLTT & MRTT </b><br />
<br />
Kedua-dua berfungsi untuk perlindungan rumah.<br />
<br />
<b><u>MLTT : Mortgage Level Term Takaful </u></b><br />
<br />
<ol>
<li>Perlindungan by Level. Kos perlindungan ini <b>kian meningkat</b> setiap tahun. </li>
<li>Ia bergantung kepada <b>harga rumah</b> anda, <b>umur</b>, <b>pekerjaan</b>, dan <b>kesihatan</b>.</li>
<li>Ia termasuk perlindungan <b>penyakit kritikal</b>, <b>kematian akibat kemalangan</b>, <b>kematian</b> dan juga <b>simpanan</b>.</li>
<li>Plan ini diambil<b> berasingan </b>dengan loan perumahan anda. </li>
</ol>
<br />
<br />
<b><u>MRTT : Mortgage Reduncing Term Takaful</u></b><br />
<br />
<ol>
<li>Perlindungan by reducing. Perlindungan ini <b>kian menurun </b>setiap tahun. </li>
<li>Ini kerana baki hutang anda dengan pihak bank kian berkurangan setiap tahun. </li>
<li>MRTT ini hanya dilindungi <b>kematian sahaja</b>. </li>
<li>MRTT kebanyakan sudah <b>termasuk dengan loan bank</b>. </li>
</ol>
<div>
<br /></div>
<div>
Anda mencari MLTT ???</div>
<div>
Hubungi saya sekarang </div>
<div>
<br /></div>
<br />
<div>
Zulkhairi Man.</div>
<div>
<div>
Phone : 016-4055789</div>
<div>
Blog website : http://zulkhairiprubsn.blogspot.my</div>
<div>
Facebook Page : Chef Takaful Prudential BSN Zulkhairi</div>
</div>
<div>
<br /></div>
<div>
<br /></div>
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zulprudentialbsnhttp://www.blogger.com/profile/02781298203966284812noreply@blogger.com0tag:blogger.com,1999:blog-8129395217860619038.post-69506963306325179572017-05-21T20:45:00.001-07:002017-05-21T20:47:41.816-07:00Takaful Anak Bermula Dari KandunganPlan untuk anak tersayang bermula dari kandungan.<br />
<br />
! Boleh mengambil seawal kandungan 20 minggu.<br />
! Mengelak daripada proposal takaful direject/exclude (dikecualikan) atas penyakit tertentu.<br />
! Free policy sekiranya parent meninggal dunia.<br />
! Tidak perlu menunggu 2/3 tahun sekiranya bayi lahir pra-matang.<br />
<br />
Document perlu :<br />
Salinan sijil perkhawinan ibu-bapa<br />
Kad Pengenalan Ibu-Bapa.<br />
<br />
Zulkhairi Man.<br />
Phone : 016-4055789<br />
Blog website : http://zulkhairiprubsn.blogspot.my<br />
Facebook Page : Chef Takaful Prudential BSN Zulkhairi<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi8k-RwUDzbLnvIVNqc44ZabCq19aOHQhoGLLQc6tZipwb70Wwn1asuNHil2cymj6HJU676aonx1Zt16DoiKRcj-XCWU3EiAt13F0JASQMM-jgi2uXBbXaxWfTXKliyLT-wG9nPLVYXdLg/s1600/Bayi.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="178" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi8k-RwUDzbLnvIVNqc44ZabCq19aOHQhoGLLQc6tZipwb70Wwn1asuNHil2cymj6HJU676aonx1Zt16DoiKRcj-XCWU3EiAt13F0JASQMM-jgi2uXBbXaxWfTXKliyLT-wG9nPLVYXdLg/s320/Bayi.jpg" width="320" /></a></div>
<br />zulprudentialbsnhttp://www.blogger.com/profile/02781298203966284812noreply@blogger.com0tag:blogger.com,1999:blog-8129395217860619038.post-49491631426524692652017-05-14T22:55:00.005-07:002017-05-14T22:55:38.218-07:00Dana Hibah takaful untuk TersayangMasyarakat kita yang masih beranggapan bahawa penama (Wasi) di dalam sijil takaful adalah penerima mutlak kepada wang bayaran pampasan tersebut. Sebenarnya TIDAK.<br />
<br />
Hibah merupakan instrumen pengagihan manfaat takaful.<br />
Dengan kaedah hibah ini, banyak permasalahan dapat diselesaikan dengan cepat, ringkas dan lancar.<br />
<br />
<b><u>Hibah Takaful merupakan :- </u></b><br />
<b>!</b> Instrumen pengurusan harta pusaka.<br />
<b>!</b> jelas dan tidak bercanggah.<br />
<b>!</b> MEMBANTU urusan pusaka.<br />
<b>!</b> MEMBANTU mengurangkan beban waris untuk proses pengagihan harta.<br />
<b>!</b> Status hibah yang digunakan dalam pelan Takaful tidak akan berubah menjadi wasiat.<br />
<b>!</b> Akad hibah tidak tertakluk kepada pembahagian harta pusaka atau faraid.<br />
<b>!</b> tidak boleh dituntut oleh ahli waris yang lain.<br />
<b>! </b>Hibah dibolehkan sama ada kepada ahli keluarga (waris) atau bukan ahli keluarga.<br />
<br />
<br />zulprudentialbsnhttp://www.blogger.com/profile/02781298203966284812noreply@blogger.com0tag:blogger.com,1999:blog-8129395217860619038.post-5965573677956834732017-05-10T20:41:00.001-07:002017-05-10T20:41:15.648-07:00Takaful itu Perlindungan Atau Simpanan? Membeli takaful BUKAN seperti membuat saving sepertimana meletakkan 50.00 setiap bulan kedalam ASB dan<br />
akhirnya kita enjoy dengan hasil 600(50*12bulan) + dividen pada akhir tahun.<br />
<br />
<b>TIDAK. INI SALAH SAMA SEKALI!. </b><br />
<br />
Membeli takaful ialah membeli perlindungan tuan-tuan puan puan.<br />
<br />
Perlidungan disini bermaksud : -<br />
<br />
1. Anda Kemalangan kereta, anda sudah membeli perlindugan kemalangan. Ada mendapat sokongan kewangan (wang pampasan) untuk anda meneruskan kehidupan.<br />
<br />
2. Anda masuk wad, atas serangan jantung. Anda refer ke hospital kerajaaan/swasta. Selepas itu anda refer ke IJN (institut jantung Negara) untuk mendapat rawatan, anda menggunakan kad perubatan anda untuk dapat rawatan di IJN.<br />
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3. Anda mengidap sakit jantung, (seperti situasi No. 2). Semua perubatan anda sudah ditangguh. Anda juga mendapat sokongan kewangan (wang pampasan) untuk meneruskan kehidupan akibat berhenti kerja.<br />
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4. Anda kehilangan nyawa. Wang sokongan (wang pampasan) diberi kepada penerima Hibah isteri/anak/atau sesiapa. Mereka akan menyelesaikan hutang hutang anda dengan manusia/bank/ dan sebagainya.<br />
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Ini fungsi sebenarnya takaful.<br />
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Zulkhairi Man.<br />
Phone : 016-4055789<br />
Blog website : http://zulkhairiprubsn.blogspot.my<br />
Facebook Page : Chef Takaful Prudential BSN Zulkhairizulprudentialbsnhttp://www.blogger.com/profile/02781298203966284812noreply@blogger.com0