Monthly Archives: April 2011

Lelaki Cepat Mati

Salam, haaa..terkejut baca title kat atas tu?? hmm..tapi itulah hakikatnya. Just nak share fakta dan apa yang dah aku baca dalam Metro (27 Disember 2009) .

Kesihatan lelaki Malaysia masih ketinggalan berbanding wanita dengan jangka hayat 5 hingga 7 tahun lebih pendek kerana mereka menghidap penyakit kronik lebih awal berbanding wanita.

Dalam semua peringkat umur, lebih ramai lelaki meninggal dunia akibat penyakit jantung, kanser, penyakit paru-paru,strok, komplikasi kencing manis, keganasan dan kemalangan jalan raya berbanding wanita.

2 perenggan yg aku quote diatas sudah cukup menunjukkan yang kaum lelaki cepat mati berbanding wanita. Apa yang ingin aku kongsikan ialah bukan penyebab kematian atau pun cara nak panjangkan umur (sebab aku bukan doktor kesihatan) tapi persediaan kaum lelaki (ketua keluarga, suami dan bapa) jika berlakunya kematian @ diserang penyakit kronik sebelum sempat menunaikan tanggungjawab dan amanah yg dipikul.

Pengalaman aku sebagai Agent Insurans @ Takaful, ramai ketua keluarga, suami @ bapa (Lelaki laa ni) sentiasa mengambil mudah persediaan kewangan. Ramai prospek yg telah aku temui, sentiasa memberikan alasan “nanti dulu”, sedangkan sakit kronik dan kematian itu datang tanpa di duga.

Apabila diserang penyakit kronik, kita akan menghadapi beban kewangan. Adakah kita hendak membebankan isteri untuk mencari sumber kewangan untuk merawat penyakit. Jika berlaku kematian pula, adakah kita mati dengan meninggalkan hutang tapi tanpa meninggalkan sumber kewangan yang mencukupi untuk isteri dan anak-anak meneruskan hidup????

Apa yang perlu kita sentiasa sematkan di hati ialah, apabila matinya seorang lelaki..3 perkara akan hilang.

1. Isteri akan kehilangan Suami
2. Anak-anak akan kehilangan bapa
3. Keluarga akan kehilangan sumber kewangan.

Perkara pertama dan kedua memang tak dapat dibantu. Namun perkara yang ketiga, persediaan boleh dilakukan semasa kita masih bernyawa. Di sinilah fungsi insurans dan takaful itu. Membantu isteri dan anak-anak untuk meneruskan kehidupan.

Sabda Rasulullah s.a.w yang bermaksud: “Tinggalkan anak dan isteri kamu dengan kesenangan adalah lebih baik daripada meninggalkan mereka dalam keadaan meminta-minta”. (Riwayat: Bukhari)

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UPDATE : Senarai Hospital Panel Prudential Assurance Malaysia Berhad

Hello….

Ni ada update list Hospital panel…berkuatkuasa 1 April 2011 2 Hospital telah ditambah bagi kemudahan pelanggan-pelanggan yang disayangi.. 🙂 Hospital-hospital tersebut ialah :-

  1. Taiping Medical Centre,
    45-49 Jalan Medan Taiping 2,
    Medan Taiping,
    34000 Taiping,
    Perak.
    Tel: 05 – 807 1049      Fax: 05 – 806 3713
  2. Kuantan Specialist Hospital
    51 Jalan Akor Akar,
    Taman Kuantan,
    25250 Kuantan,
    Pahang.
    Tel: 09 – 567 8588       Fax: 09 – 567 8098

ok, Harap dapat manfaat daripada Update nie… 🙂

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Prudential catat RM1.021 bilion

PRUDENTIAL Assurance Malaysia Berhad (Prudential) merekodkan jumlah jualan premium tahunan setara (APE) bagi perniagaan baru termasuk jualan insurans konvensional dan takaful meningkat 24 peratus kepada RM1.021 bilion bagi tahun kewangan berakhir 31 Disember 2010.

Ketua Pegawai Eksekutif (CEO) Prudential, Charlie Oropeza, berkata syarikat ketika ini menguruskan lebih sejuta pemegang polisi dan lebih 12,000 ejen di seluruh negara.

“Bagi memberikan kemudahan dan perkhidmatan lebih baik kepada pelanggannya, Prudential memperuntukkan pelaburan sebanyak RM30 juta bagi menaik taraf cawangannya di seluruh negara menerusi pengubahsuaian dan penempatan semula cawangannya sedia ada,” katanya selepas majlis pembukaan rasmi pejabat baru Prudential di Kuantan Perdana, Pahang.

Takaful Health : Medical Card sedia Bonus sehingga RM500/year

Assalamualaikum dan Salam Sejahtera! hehehe 🙂

Entry ni nak cerita pasal medical card, ramai org yang aku jumpa selalu tanya aku soalan ni.. “Kalau ada medical card, tapi sihat..tak sakit..rugi laa bayar bulan-bulan” hahahahaha, sihat pun ada org rasa rugi….masa korang renew insurans kereta tiap2 tahun..tak de lak korang cakap “rugi laa renew insurans, tak accident pun!” haha..nak ke accident? nak ke sakit? Kita ada insurance dan takaful ni untuk persediaan juka sesuatu yg buruk berlaku, macam “sediakan payung sebelum hujan” tak pun tayar spare dalam keta tu, korang bawa dlm kereta hari-hari…ikutkan buat berat kereta jer, membazir minyak oooo…. tapi, kenapa kita still bawa tayar spare tu? sebab takut tayar pancit or bocor kan? haa, jadi paham-paham laa kenapa korang perlu Insurance or Takaful nie….

 

Keratan Akhbar berkenaan Bonus Takaful Health

ehh, membebel lak…aku nak cerita sikit jer pasal medical card hari ni…ni pasal yg korang dok keluh kesah tak dapat apa-apa kalo korang sihat kan….jadi sekarang dan ada medical card yang menyediakan bonus jika korang kekal sihat…jadi tak de laa rasa rugi lagi kan… 🙂

Bonus ni di bayar mengikut plan medical card yang di ambil, bermula dari  minimum RM100/year sehingga maksimum RM500/year. Jadi bonus dah ada, kalau sakit bill dibayar….tunggu apa lagi? apa alasan lagi? 🙂

Ni contoh medical card…tunggu apa lagi..segera milikinya….

 

Takaful Health

Takaful Health

kalo korang ada apa2 nak tanya pasal medical card ni, jgn segan2 hit reply….kalo rasa-rasa nak P&C korang emel kat aku fadlihalim@prupartner.com.my ok, semoga dapat manfaat la yer daripada sharing kali nie…..jumpa lagiiiii…..

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Future plans

To what extent do you want to plan for your retirement?

INSURANCE agents, telemarketers and direct sellers have traditionally topped my list of people to avoid on most days, no matter how good my disposition. Now, there’s a more intimidating addition – people selling financial products that will turn my paltry savings into magical millions.

These are the seers of gloom and doom, resolute in their conviction that since I didn’t start planning for my retirement the moment I joined the legions of the employed more than two decades ago, I am fated to spend my old age in abject poverty. Ah, but wait … there is hope, they whisper to me conspiratorially.

These folks are the evolution – or mutation, depending on your outlook – of the insurance agent of yore. Once, they sold life, medical and accident policies, but then realised none intimidated people like me effectively enough. So they added the spectres of retirement and old age to their portfolios!

Just the other day, I was told that if I planned to live another 20 years, post-retirement, I would need at least RM3mil to keep me and the missus good for the long haul.

Really, who does the maths for these things? And to tote up that sort of money, I would need to work five lifetimes!

Look, I’m not much of a saver but despite our country’s ridiculously youthful retirement age of 55, I’ve planned stuff to keep me occupied for many more years. Or not, depending on how long I’ll live. Proles like me can handle only that much planning, beyond which, Fate calls the shots.

One agent making his pitch to me dismissed the good, old-fashioned insurance policy outright, and said it was old hat. Investments – bonds, funds, equities, all words existing in the fringes of my consciousness – were the way to go, he said, and these would grow and grow to ensure a comfortable nest egg upon retirement.

However, in order to do that, I first had to get into debt to be able to shell out the premiums. OK, I’m kidding, but the pay­­­ments would have left me with little to savour at the end of the month!

“It’s a small sacrifice to take care of your family’s future,” I was assured. See, that’s how they tighten the screws, suggesting that you’re an uncaring hound and don’t love your family if you don’t go with the proposal.

My plan for now is mostly to live one day at a time, and in moderation. Why deny yourself the more salubrious elements of life when you could get a heart attack and die the day after you retire? What irony to have planted and tended investments while denying yourself any indulgences, only for someone else to enjoy the fruits of your planning!

The future looks scary enough as it is. Earthquakes, tsunamis, floods, volcanic eruptions, diseases – who knows which of these will one day bring the human race to its knees and nudge it to the brink of extinction? Today, you’re going about life as usual; tomorrow, you’re standing at the precipice of a nuclear disaster.

So enjoy the normal and desultory while you can, for these may be rare in time to come. Don’t grow old worrying, scrimping and saving, afraid that you won’t have enough to last you until you turn 80 – the end could be sooner, and you don’t want not to have lived your life to the fullest.

Now, if I could only keep ducking those agents for a few more years and then, when they ask me what my retirement plan is, I can say: “I’m living it!”

Time to start planning that grand and exotic vacation ….

sumber : The Star Online

So kawan-kawan, star your retirement planning now!!!

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