[MERGED] -- All about insurance utk anak2

dilaOHdila

Tahniah buat ibu-ibu semua. Prihatin akan masa depan anak-anak

akubest

Originally posted by manjakani at 6-1-2006 11:11 PM
x lah, manjakani x keje dgn bnm. fulltime housewife. i used 2 work in various companies tapi skrg keja jaga my twins n hubby. hehehe. :lol skrg buat part time with MAA. keluar bile nak jumpe client ...

isk...ko citer cam nih....baru aku tingat laki aku tak de insurance cover pon...cess...kalo jadik apa2 kat dia...merana aku...aku dok sound dia tuko nama kat epf jek...cukup kot......takat nak bayo hutang dia...hmm...

eh..laki2 korang amik insurance ke??? isk...aku amik, anak2 aku amik..psal aku tak suh laki aku amik ekk?? buduss gak aku rupanya....:stp::stp:

Originally posted by honeybee1802 at 6-1-2006 12:00 PM
ko agent pru ek ace...hehe..fulltime ke partime?anak gue pun amek pru..agent dia kwn bapaknyer so kalo skit mmg dia melawat punyer ler..
snoopy..tak yah gado2...discuss elok2...oo..tuh namernyer g ...

ya honeybee.. full time agent next month insyaAllah. Now in process of resigning.. most of Prudential agent are full time. They dont encourage agent utk part time. It's like company's prioritys laa...

Originally posted by akubest at 9-1-2006 09:23 AM



isk...ko citer cam nih....baru aku tingat laki aku tak de insurance cover pon...cess...kalo jadik apa2 kat dia...merana aku...aku dok sound dia tuko nama kat epf jek...cukup kot......takat na ...

kadang serba salah kita nak tanya our husband samada ada perlindungan atau tidak. it's like wanting him 'off' and get all the money instead (harsh word to say). Tapi that's the fact.. kebenarannya ialah apabila kita ditimpa kesusahan. For me, buat apa yang termampu.

If let say the husband OR the wife mempunyai income yang lebih tinggi, dan merupakan penyumbang pendapatan yang terpenting, maka he/she are more affected on having insurance. In my case (my own experience), I insured my son first. (myself and husband later) Why?

1st - I realized my company does not support SP specialist treatment (hospital/doktor pakar). Hanya utk GP ke klinik biasa sahaja. Kalau ada pun, very limited coverage. (both me n husband are covered)

2nd - keperluan specialist amat membebankan tambahan downpayment kemasukan sahaja memerluka atlleast RM1k - RM2k which i dont think i can afford to whenever i'm in need.

3rd - keperluan anak yang terdedah pada masalah kesihatan. (did a claim before with insurance) so terbukti.

4th - ada pruparent benefit - if anything happen to me (the payor) and if one day i can't bring home the income, the insurance protection and medical card benefit still on and waived till the age of 21. Plus some value of money for education.

etc...

singajantan

aku amik utk aku GI pastuh utk anak aku pun sama education laa

wife aku amik TM utk dia dan anak aku (sebab masa nie dah ada yg islamic nyer )

aku cuma bertahan dengan GI sebab ejen diaok ... banyak yg ejen cam hampeh ... soh masuk bebanyak laa tak kira kitanyer kepeluan lain .. pastuh explain pun tak jelas ... ada yg suruh amik sebab islamic factor sahaja .. sepatutnya bagilaa tau jejelas

laa nie aku tengah fikir nak carik lain utk medical n education for my future 2nd .. ada sesape tau tak ejen yg baguss

wssalam n selamat hari raya aidil adha

honeybee1802

singa..tu hah..ace tuh agent per..
akubest..haku penah menghitung2 epf tuh...cukup melangsaikan utang ngan belanja sethn dua kot..bygkan kalo ada rm100k..rm50k..buat langsai utang..balance ada 50k...sebulan blanja rm2k...setaun dah rm24k...kot terbelanja lebih lagik..mau setaun je kot

Honeybee
Terima kasih daun keladi.. :tq:

Singajantan
Betul tu, having one good agent antara factor penting dalam menjaga 'amanah' kita. Dan tidak dinafikan mengambil satu insurer utk semua ahli keluarga adalah lebih berbaloi (dan jangan lupa tanya ngan agent manfaat sampingan jika semua ahli keluarga dalam satu insurance company). Just like what u did on you and your child - Great Eastern (GI tu great eastern kan?) Ataupun utk wife you under TM ..

Untuk medical purposes, mungkin saya boleh share apa yang saya ambil untuk anak saya. Note this is just a summary.

PruLink Dana Unggul - Pelaburan Syariah

1. Hayat
2. Perubatan
   * 36 sakit kritikal
   * Kad perubatan (medical card)
   * Elaun Hospital (per day)
   * Elaun surgery (per case)
3. Kemalangan
   * Kemalangan (pampasan)
   * cacat kekal
   * rawatan pesakit luar
   * Elaun cuti sakit (MC)
4. Pengecualian premium jika : (kepada penjaga - iaitu saya)
   * kematian - free till age 25
   * 36 sakit kritikal (till age 100 for self)
   * cacat kekal (benefit remains)
5. Simpanan (pelaburan)

honeybee1802

sat ek..den nak nyemak jap...kalo leh kalo selain takaful,utk sy insurance multinasional crk agent islam...penah le sedara mara kita ada agent ciner yg usha dia...biler laki aku ngk polisi dia..lor nih dana non-syariah...maknanya dananya bercampur ler...sib baik agent gue ok...kalo tak mau gue pelangkung sama dia...

Originally posted by honeybee1802 at 12-1-2006 10:59 AM
sat ek..den nak nyemak jap...kalo leh kalo selain takaful,utk sy insurance multinasional crk agent islam...penah le sedara mara kita ada agent ciner yg usha dia...biler laki aku ngk polisi dia..lor ...

sesetengah orang ada different degree of understanding conventional insurance company vs takaful. walauapapun, pilihan ada pada diri kita... ya tak..?

kakyongsarah

singajantan & mix_chinese,
saya pun tercari-cari produk yg betul-betul saya puashati & payah sikit nak trust kat agen. Takut diaorg nak komisen je bukan betul-betul nak tlg kita. adik saya baru jadi agen TN baru le saya berani nak ambik plan. Saya mintak dia buatkan plan untuk anak-anak saya 3 org. Saya nak edu plan + protection + medical yang tak sampai 100/sebulan. So dia buat dalam 65/mth/sorang. Walaupun company saya cover bill hospital, masih boleh claim just bagi discharge voucher.Saya pun tak tau sgt plan ni, adik yang uruskan semuanya.

sany48

Originally posted by mix_chinese at 5-1-2006 12:56 PM
Tu sedang survey2 Takaful nie. Any expereince yg lain..  ?

You berminat dengan Takaful Ikhlas tak? Actually, takaful semua sama.. cuma you nak juga tau ape benefit lain yang you dapat selain dari ape yang dah ade?

I boleh kasi you discount 10% for the next 6 months once you pay in full..cukup tak? Tu kalau anak pertama.. anak kedua..tambah lagi sebulan.

Sekarang dah boleh pakai credit card.. lagi senang..tak payah pening kepala..nak minta agen bayarkan.. nak ke syarikat untuk bayar.. dan sebagainya..

Berminat... you may sms/call/email.. I boleh buat proposal very fast....

Sany

sany48

Originally posted by Delifrance at 5-1-2006 03:15 PM
nak aku sorang takaful...sorang prudential... next one...tatau kampeni apa sebab tatau keluar bile..

ye ye je aku nii

Assalamualaikum,

Tak kisah you nak ambil company ape.. yang penting. you ambil dulu... takaful you dah ade agen approach ke? I attach dengan takaful ikhlas..

Anak you berapa orang? Berapa budget..?

Nak tak kalau I propose you sumbangan bulanan RM60.00++ dengan perlindungan+simpanan+pelaburan sebanyak RM31000.00?

* Untuk anak kurang setahun umur

Lagi you kalau mendapat critical illness.disahkan oleh panel doktor...syarikat akan waivekan sumbangan tu.. sampai matang..

Lagi kalau menyumbang sekarang, kalau anda mengambil max ..anda dapat balik duit tersebut + 30%  (At 5.1%/year dividen - ikut keadaa semasa ) extra hasil dari konsep pelaburan di atas?..

Lagi bila anda dah menyumbang.. you can have a piece of mind.. tak payah nak fikir pasal halal haram lagi...sebab semuanya ikut syariah..

Banyak lagi faedahnya....Nak tau lebih..kita boleh discuss...


Sany

[ Last edited by sany48 at 29-1-2006 03:38 PM ]

sofeya

Originally posted by sany48 at 29-1-2006 03:30 PM


Assalamualaikum,

Tak kisah you nak ambil company ape.. yang penting. you ambil dulu... takaful you dah ade agen approach ke? I attach dengan takaful ikhlas..

Anak you berapa orang? Berapa ...

sany48.. blh explain dgn lebih lanjut tak? for my future baby... due end may nih...
my 1st one i amik maybank nyer education plan... but tu la.. just cover dia nyer education je... sampai umuq 18 thn mthly i kena byr rm108... skrg umuq dia dah 4 thn... nak terminate rugi plak sbb blm matang lagi....
nak carik yg insurance yg bleh cover medical expanses + education dia... kalau dpt 'bonus' tiap2 ujung thn ok gak...
tapi tu la.. tak tau nak approach agent yg mana satu... prudential pun bunyi mcm ok... tapi tu la.. nak survey few options la...

If u asks, surely I will say insurance is not the best for savings tool.

Let say, u invest your money into Maybank RM108/monthly. As I calculated it :-

RM108 x 12 bulan x 18 tahun = RM23 328 (straight fwd calculation with no interest/divident/bonus)

RM23 328 is the money you'll get for you son at the age of 18 years. Tanpa ada sebarang manfaat tambahan.

But with insurance/takaful with RM108++ you can maximize your savings as much as you can! With RM108, you will get extra protection against death, TPD (total permanent disability), Medical Expanses etc and of course investment money la. But dont expect too high dengan monthly premium RM108 yang dibayar kepada  insurance/takaful company you'll get the same RM23 328 of money. Dalam insurance, your money will be divided into 2 groups that is protection and investment depending on your needs...

andah_amon

utk anak aku aku amik kan takaful siswa....
ok tak insurans tuh????

ButterCup

me amik Yippie Care & takaful.

Originally posted by andah_amon at 7-2-2006 01:24 PM
utk anak aku aku amik kan takaful siswa....
ok tak insurans tuh????

what insurance are you referring to? Tapi am sure with takaful siswa generally fulfill your needs.. mind sharing?

moimed

me ambik yippiecare 2...sebulan RM117.00 umur 18thn dapat RM30K...for me ok kot coz kalo nak terminate rugi plak...dah bayor 8bulan...lagipon autodebit, dia cover insurance utk mom gak selama 18thn nih...ok ler tuh...ada insurance sekali...

saya nak tanya yippiecare ni simpanan yang dibuat setiap bulan as 'must' without fail ker? atau as we wish sahaja? what are the benefit that u'll get if you subscribe to this plan?

manjakani

assalammualaikum....

u guys tak pernah tanya on MAA MaaxEducation Plan ke? Basically this plan ada coverage on Juvenile Critical Illness n one of it yang paling biasa in Severe Asthma. Manjakani bukan apa... tak mau promosi banyak sgt kat sini coz this is ruang for intelectual discussion n not to banding2kan products. jez dun want niat mixchinese yang suci disalahgunakan n this thread jadi ruang untuk promosikan insurance masing2. plz dun get me wrong. everybody have their own opinion. thats mine n i knw some might agree n sum might hate it. doing part time or full time its okay as long as u can maintain the profesionalism in this business. s long s u n clients satisfied, manjakani bersyukur kpd Tuhan...

okay lah...jgn terasa ye...kalau terasa jugak, manjakani belikan ais batu campur bagi cool dulu pastu kite boleh bincang petang lagi. anybody interested in MAA Education Plan can PM me je lah... i'm ready 2 serve u... chewah...:bgrin: