[MERGED] -- All about insurance utk anak2

iddine · Post time 22-9-2007 10:18 AM

how do u know takaful rawat (Sykt Takaful Malaysia )tu ok???pernah try ke or sesiapa yg u kenal pernah buat claim??

iddine · Post time 22-9-2007 10:21 AM

Hospital Allowance tu berapa per day insuran co. bagi, klu ambik takaful cerdik, monthly payment RM50??

Critical Illness ada x masuk dlm takaful cerdik @ Death due to natural causes, selain dari personal accident yg RM10 k tu???

ibm632 · Post time 22-9-2007 11:15 AM

Kalau U mampu beli insuran 1300 sebulan... kenapa U tanyer benefir utk 50 sebulan .... give the best for your baby..... My baby RM 150 sebulan ... Medical card 150,000 elaun RM 300 ....yg lain nyer lebih pada saving ....

jenglut · Post time 22-9-2007 04:44 PM

Originally posted by iddine at 22-9-2007 10:18 AM
how do u know takaful rawat (Sykt Takaful Malaysia )tu ok???pernah try ke or sesiapa yg u kenal pernah buat claim??

Hi Iddine,

Yup! Saya tau sbb my client dulu ada TM Rawat..dia lecturer prof. UTM, time tu his medical bil RM11,000..tp as usual, dia kene bayar & claim kemudian..so tunggu cek dr T.M took almost 6 months!!! Now dia amik PruBSN medical kad..

Kalau u nak more PROTECTION & SAVING pun bole as below:

[ Last edited by jenglut at 22-9-2007 05:17 PM ]

iddine · Post time 24-9-2007 01:28 PM

RM1300 sebulan i bayar bukan untuk i seorang saje premium. untuk satu keluarga..

my self insurance RM450
my husband RM293
my mother rm177
My son RM140
My Son RM120
My Daughter RMR120

Itu yg my husband mengamuk sakan sebab duit gaji bini dia habis RM1300 sebulan byr insurance.Dia marah kat agent Prudential tu sbb pandai2 je hasut bini dia beli insurance bnyk2.I beli conventional pun ada, endowment, pru lady, whole life, investment link, name it sume ada.

Bila dah mengamuk, i cancel some of the policy, some lagi i minta review kurangkan byr premium.

alifinara · Post time 24-9-2007 01:40 PM

Originally posted by jenglut at 7-9-2007 01:12 AM
I cuma nak announce recently, we just launched Takaful Cerdik (under PruBSN) dgn hanya mencarum with RM50 per month, pakej came with:

1. MEDICAL CARD worth RM150,000 for room & treatment in mo ...

Jenglut, yg ni kalau anak dah umur sethn tak boley lagi ke?

jenglut · Post time 24-9-2007 08:47 PM

Originally posted by alifinara at 24-9-2007 01:40 PM

Jenglut, yg ni kalau anak dah umur sethn tak boley lagi ke?

bolehhhh..

jenglut · Post time 24-9-2007 08:49 PM

Originally posted by iddine at 24-9-2007 01:28 PM
RM1300 sebulan i bayar bukan untuk i seorang saje premium. untuk satu keluarga..

my self insurance RM450
my husband RM293
my mother rm177
My son RM140
My Son RM120
My Daughter RMR120

I ...

Puan Iddine,

Suami u marah sbb u all sume blom penah buat claim..

Cuba satu family buat claim, sure hubby u happy..

iddine · Post time 25-9-2007 08:47 AM

taklah sebab dia jeles.yelah insurans tu kan dlm bentuk simpanan jugak.besok bila dah matured insurans tu dpt duit kan??some people fikir membazir beli insurans tapi kalau bayar kete mahal x pe.

premium u bagi tu ikut age parents berapa??kalau umur parents lebih premium tinggi kan??

iddine · Post time 25-9-2007 08:50 AM

apa beza new born dgn setahun? before this u kata launcing untuk newborn saje? premium naik tak ke fix forever sampai maturity??

alifinara · Post time 25-9-2007 02:22 PM

kalau boleh, nanti pm kat saya detailnya yee...

alifinara · Post time 25-9-2007 02:23 PM

ala, posting tak kuar pulak...

alifinara · Post time 25-9-2007 02:23 PM

page stuck ker?

helo..heloo..

jenglut · Post time 25-9-2007 07:49 PM

**terdouble post**

[ Last edited by jenglut at 26-9-2007 05:13 PM ]

jenglut · Post time 25-9-2007 07:54 PM

Originally posted by iddine at 25-9-2007 08:50 AM
taklah sebab dia jeles.yelah insurans tu kan dlm bentuk simpanan jugak.besok bila dah matured insurans tu dpt duit kan??some people fikir membazir beli insurans tapi kalau bayar kete mahal x pe.

Yup..insuran is another form of FORCE SAVING..di samping menabung, ianya memberikan perlindungan..Cuma berbeza dgn insuran kereta, konsep nya burn..tp life insuran, u ada simpanan utk hari tua..
Dan u bole redeem income tax RM6000 utk laki-bini..RM3000 utk anak2..so u all save duit drp membayar income tax..

Kalau in PruBSN, u tak perlu tunggu tempoh matang utk kuarkan duit..u bole kuarkan duit at anytime, bila simpanan u cukup RM5K

Originally posted by iddine at 25-9-2007 08:50 AM
premium u bagi tu ikut age parents berapa??kalau umur parents lebih premium tinggi kan??
apa beza new born dgn setahun? before this u kata launcing untuk newborn saje? premium naik tak ke fix forever sampai maturity??

Premium tu ikut umur baby..bukan ikut umur parents..
Beza newborn dgn baby setahun actually tak significant/penting pun..tp ini promosi ehsan dr kompeni aje utk menggalakkan/membantu kaum Bumi utk amik insuran/takaful..

& the best thing, premium is FIX for whole life!!! kalau Rm50..RM50 aje la sebulan sampaila baby tu besar masuk University..so thats y, i suggest kalau nak amik insuran..amik masa muda as premium dia sgt lah kecikkk..lg pun, lg awal kita menabung di insuran..lg byk simpanan dlm tabung pendidikan nya..

Selamat beramal di bulan ramadhan & berhati2 memandu pulang beraya ke kg..

alifinara · Post time 26-9-2007 09:23 AM

page stuck ker? tak nampak pulak posting jenglut.

alifinara · Post time 26-9-2007 09:26 AM

Jenglut, kalau ada masa pm kat saya. Saya minatlah utk anak kecik saya tu, umur baru genap setahun.

bluepink · Post time 26-9-2007 10:14 AM

Saya berminat nak amik insurans for me & my son..setakat nih
saya mcm berminat nak amik takaful siswa & takaful sihat frm takaful m

alaysia, tp blm confirmkan lagi..

for my son, sy nak amik premium rm50/rm70 per month and for me
maybe rm25-rm30 shj sb saya nak amik protection saja..since my company & my husband's co. cover our medical in private hospital,ok tak kalau saya just amik protection shj utk saya(w/out saving). or ada cadangan lain tak?

saya blm jumpa mana2 ejen lagi cuma survey sendiri..tolong sesiapa yg arif pasal insurans terangkan sikit pada sya..and whats the different between takaful malaysia & takaful nasional.

Tq in advance

jenglut · Post time 26-9-2007 04:46 PM

Originally posted by bluepink at 26-9-2007 10:14 AM
Saya berminat nak amik insurans for me & my son..setakat nih
saya mcm berminat nak amik takaful siswa & takaful sihat frm takaful m alaysia, tp blm confirmkan lagi..

Oic..Takaful Malaysia & Takaful Nasional plan yg awak mention tu tak cover medical bil, cuma dia kasi u elaun hospital aje..Elaun hospital maksudnya, kalau masuk hospital 1 day..dpt la RM100..tp bil hospital, pay at your expenses..Unless u amik Takaful Rawat, yg tu depa cover your medical bil..TAPI..U BAYAR DULU then U CLAIM LATER..

PruBSN is the only Takaful co. yg provide medical kad skrang ni..so bil payment are CASHLESS/autodebit sbb dlm kad tu ada RM150,000..jd bil trus otomatic tolak dr nilai kad..

Anyway, pilih lah insuran yg memenuhi keperluan kita, bukan keperluan ejen
good luck in your pencarian protection for your famili!

[ Last edited by jenglut at 26-9-2007 05:15 PM ]

jenglut · Post time 26-9-2007 05:07 PM

Originally posted by alifinara at 26-9-2007 09:26 AM
Jenglut, kalau ada masa pm kat saya. Saya minatlah utk anak kecik saya tu, umur baru genap setahun.

u got my PM!