Friday, March 25, 2011

CERITA RM3 SEHARI..

DENGAN HANYA MENYIMPAN RM3 SEHARI/RM150 SEBULAN BERSAMA TAKAFUL GE, ANDA AKAN MENDAPAT MANFAAT SEPERTI BERIKUT :-
MEDICAL CARD/KAD RAWATAN PERUBATAN



  • SEHINGGA RM90,000 SETAHUN

  • RM720,000 SEUMUR HIDUP SEHINGGA UMUR 80 TAHUN

PROTECT INCOME


  • MINIMUM PENDAPATAN RM1,000-00 SETIAP BULAN SELAMA HAYAT ANDA

  • SEKIRANYA ANDA CACAT KEKAL/LUMPUH

  • COVER SEHINGGA UMUR 70 TAHUN

KHAIRAT KEMATIAN


  • RM2,000-00 UNTUK UPACARA PENGEBUMIAN

ELAUN HOSPITAL


  • RM100-00 SEHARI DI WAD

  • COVER SEHINGGA 80 TAHUN

25% BAYARAN RAWATAN PENYAKIT PERINGKAT AWAL

  • (1ST IN MALAYSIA) SEKIRANYA ANDA DIDIAGNOS MEMPUNYAI PENYAKIT KRITIKAL/BERBAHAYA DIPERINGKAT AWAL, ANDA DIBERIKAN BAYARAN PENDAHULUAN SEBANYAK 25% DARI JUMLAH RAWATAN KESELURUHAN (HANYA SATU2NYA SYARIKAT INSURAN DI MALAYSIA YANG MEMBAYAR RAWATAN DIPERINGKAT AWAL)

BAYARAN UNTUK PENYAKIT KRITIKAL :


  • RM15,000-00 (AMAUN BERUBAH MENGIKUT UMUR/JUMLAH CARUMAN)
  • DIBAYAR UTK 36 PENYAKIT KRITIKAL

KEMALANGAN


  • RM15,000-00 (AMAUN BERUBAH MENGIKUT UMUR/JUMLAH CARUMAN)
  • DIBAYAR UTK KECACATAN KEKAL

  • CUTI SAKIT RM150 SEMINGGU

  • MINIMUM CLAIM 7 HARI

  • COVER SEHINGGA 70 TAHUN

CARUMAN PERCUMA

  • SEKIRANYA ADA DISAHKAN MENGALAMI HILANG UPAYA/PENYAKIT KRITIKAL.
  • ANDA TIDAK PERLU LAGI MEMBAYAR CARUMAN BULANAN SEBALIKNYA ANDA AKAN TERUS BOLEH MENIKMATI PERKHIDMATAN RAWATAN SUSULAN SELANJUTNYA DIHOSPITAL SWASTA PERCUMA SELAMA HAYAT ANDA.
  • BAYARAN CO. INSURAN YANG RENDAH HANYA 10% DARI JUMLAH BIL @ MAKSIMUM RM500.00.

HAD UMUR PENCARUM DAN BAYARAN :-



BAWAH 19 THN RM130 SEBULAN

19 THN - 30 THN RM150 SEBULAN

31 THN - 35 THN RM150 SEBULAN

36 THN - 40 THN RM180 SEBULAN

41 THN - 45 THN RM200 SEBULAN

46 THN -50 THN RM300 SEBULAN

51 THN- 55 THN RM400 SEBULAN





BERMINAT HUBUNGI SAYA,




PUAN ZAKIAH

012-5842524

















ADA 3 POLISI TETAPI TIDAK BOLEH CLAIM..!!!


Ada 3 Polisi, Tetapi Tidak Dapat Claim!

Isu ini adalah berkenaan tentang Ms Theresa Tan yang mempunyai 3 polisi insurans, dan tidak dapat membuat tuntutan untuk penyakit kansernya yang di peringkat “karsinoma in-situ”. Ini adalah peringkat awal kanser atau peringkat 0.

Ia berlaku di Singapura dan disiarkan di dalam akhbar The New Paper, 31 Aug 2010. Website akhbar tersebut ialah http://tnp.sg/. Walaupun kandungannya sudah tiada di website berkenaan, tatapi ia masih boleh dibaca di beberapa website lain termasuk website ini .

3 Policies, But No Coverage
WITH three critical illness policies under her belt, she assumed her insurance coverage was comprehensive enough.

Ms Theresa Tan’s policies with Prudential saw her dutifully forking out a total of $600 in insurance premiums every month.

She believed she had forked out about $77,000 for them over the years. But when it came to coverage, the mother of three, 42, thought wrong.

She was diagnosed with early stage breast cancer, or stage 0, in June.

That same month, she went through a 12-hour operation at Gleneagles Hospital to remove her right breast and to have reconstructive surgery done, using skin and fat from her stomach.

The operation and hospitalisation cost $30,000 and was covered by another insurance policy she had with Aviva.

Ms Tan then tried submitting her claim to Prudential this month for loss or potential loss of income.

She thought she could claim up to $100,000 for one policy and up to $107,000 for another policy.

But her claims were rejected by Prudential, which explained to her in a letter that her condition was non-invasive and “does not fulfil the definition of cancer”.

Ms Tan’s condition is known as ductal carcinoma in situ (DCIS) in her right breast.

This is a condition where the cancer starts in the milk ducts of the breast. It was considered non-invasive at that stage as the cancer had not spread beyond the milk ducts into the surrounding breast tissue.

In Ms Tan’s case, she had a mastectomy because the cancer cells were located in various parts of her breast.

Prudential’s decision has surprised Ms Tan, especially since her family’s medical history was known to her insurance agents.

Her mother was diagnosed with breast cancer when she was 19 years old. She subsequently died in 2003 after a long battle against cancer.

Her mother’s illness was what made Ms Tan buy her first insurance policy when she was 22.

Said Ms Tan, who is the co-partner of nanzinc.com, an online portal set up with her friend, entrepreneur Nanz Chong-Komo: “Fortunately, my mum had a pension plan so her treatment was covered.

“But seeing what she went through and given I was not under pension, I wanted to make sure that I was provided for.

“I thought by buying three policies I was covering myself in every circumstance, but it didn’t work out that way.”

She claimed the gaps in her policy – it did not cover early stage cancer – was not explained to her by her insurance agents.

Neither was the option of a rider to supplement her existing policies offered.

“What does this term mean?”

Did she think she should have read the fine print in her policy documents?

She said: “Even if I had read the fine print, I don’t think I would have understood what DCIS meant as a layman.”

Ms Tan, who set up a blog – A Clean Breast of It – about her battle with breast cancer, said she later found out that most insurers do not pay out for non-invasive, early stage cancers.

Critical illness coverage typically covers the loss of income that comes from up to 30 critical diseases. These include major cancers, heart attack, coronary artery bypass, stroke and kidney failure.

Fortunately, Ms Tan, who is on three months’ medical leave since her operation, has not suffered loss of income as she is still being paid.

Apart from the online portal, Ms Tan also runs a writing agency, earning on average $5,500 per month.

But she said: “It does limit my options. I can’t continue to keep being paid if I’m not working. What happens if I still don’t feel well after three months? Or if I need to take a six-month break to rest?”

Currently, she suffers from stomach cramps and can barely sit up for two hours at a go, she said. Ms Tan said: “I hope telling my story will create more awareness. I tell my friends to check their coverage and to make sure they are covered in full.”

What she wishes is for the insurance industry to broaden its definition of critical illness to include non-invasive and early stage cancers.

Or to at least make it compulsory to offer to customers other options which cover the gaps in any policy, she said.

Ms Tan lives in the east with her husband, 43, a civil servant, their son, 11, two daughters, four and nine, and her parents-in-law, both retirees in their 70s.

A spokesman for Prudential Singapore said Ms Tan’s policies “unfortunately do not qualify for stage 0 cancer.”

She said coverage of early stage cancers depend on the kind of policy purchased and the definition of cancer in that particular policy.

She said: “Standard critical illness (CI) policies typically do not cover stage 0 cancer… It is important to know that each and every critical illness stated in the CI policy is precisely defined.

“They are based on standard definitions given by the Life Insurance Association (LIA). Unless the person’s disease or surgery has fully satisfied the definition in the policy, no claim is payable.”

But the spokesman pointed out that Prudential has policies like PruSmart Lady, which provide coverage for female-related illnesses that are non-critical in nature such as DCIS.

Policy booklet

She added that all information pertaining to a specific policy is provided in the policy booklet given to customers.

Dr Wong Seng Weng, 40, consultant oncologist at The Cancer Centre, drew a distinction between cancers where the person’s longevity is compromised versus conditions which are treatable.

He said: “DCIS, if diagnosed and treated early, usually the survival rate is 100 per cent.

“Usually life insurers pay out when a person’s longevity is compromised.”

But this doesn’t mean that the cancer has to be very advanced, before a claim can be made, he clarified.

Even if the cancer is at stage 1, the insurer can pay out if it is an invasive form that spreads, he said.

Ms Tan is grateful she caught her cancer early. She said: “I’m thankful I caught it earlier so I didn’t need to go through chemotherapy and radiation.

“But I believe cancer is cancer, whether in the early or late stages.”

Why most standard policies don’t include non-invasive cancer

WHY do the bulk of standard critical illness policies not include non-invasive cancer?

MsPauline Lim, executive director of Life Insurance Association (LIA), explained: “Carcinoma in situ is specifically excluded from cover as these cancers can be treated and is not viewed as a ‘critical’ condition.”

She said: “Insurers base their premiums on the extent of coverage.

“There is a much higher incidence of the less serious cancers, so if they are also covered, it means premiums will cost much more and become less affordable for most ordinary people.

“This is not beneficial from a public policy perspective. LIA reviews its standard CI definitions from time to time.”

The LIA standardises the definitions of critical illnesses.

Ms Lim said consumers should look out for the following:

The scope of coverage and the circumstances under which policy will pay out.
Whether the amount of critical illness (CI) payout is sufficient.
If the CI premiums are fixed or if they increase as the policy holder gets older.
If there are exclusions for any of the CI conditions

Recent policies

Recent policies in the market do offer early stage coverage or multiple critical illness coverage.

These typically cost more than policies based on LIA’s standard definitions, said the spokesman.

One such policy is Great Eastern’s Early-Payout Critical Care (EPCC), which provides payouts at earlier stages of critical illness.

Its Great Eastern PinkLife plan pays out 25 per cent of the sum assured for carcinoma in situ, for cancers in the female organs.

Apa yang berlaku adalah sebenarnya sebagai pengajaran untuk para ejen dan juga para pengguna.

Pengajaran Untuk Ejen

Kepada para ejen-ejen takaful mahupun insurans, pastikan para pelanggan diberikan maklumat secukupnya tentang polisi. Ambil sedikit masa untuk luangkan bersama-sama pelanggan untuk membaca satu-per-satu kandungan polisi ketika membuat penghantaran polisi. Ya, walaupun aktiviti tersebut tidaklah memberi sebarang keuntungan pendapatan kepada kita, tetapi ia amat bermakna buat pelanggan. Ini adalah tugas kita, bukan hanya tertumpu kepada aspek jualan dan komisen sahaja. Inilah servis kita kepada pelanggan.

Juga pastikan pelanggan ambil polisi secukupnya yang bersesuaian dengan keperluan. Sekiranya pelanggan menolak, terangkan kepada mereka implikasi. Gunakan borang carian fakta untuk pengesahan perkara tersebut yang menunjukkan kita telah menjalankan tanggung jawab untuk memberi penerangan tetapi ditolak oleh pelanggan.

Pastikan kita terangkan kesemua keperluan sebenar pelanggan dan bukan hanya menerangkan produk yang memberi komisen yang tinggi.

Pengajaran Untuk Pelanggan

Kepada para pelanggan pula, jangan terus percaya bulat-bulat apa yang diperkatakan oleh ejen. Yang perlu dipercayai ialah kandungan polisi tuan-tuan. Ambil masa untuk menyemak dan membaca polisi takaful yang kita ambil. Komitmen kewangan yang kita ambil untuk melanggan satu-satu polisi takaful selalunya mengambil masa yang panjang 10 sehingga 20 malah mungkin hingga 30 tahun. Justeru, ambillah masa 15 hingga 30 minit untuk menyemak polisi tersebut, ia sesuatu yang amat berbaloi.

Malah, sekiranya tuan-tuan dapati kandungan di dalam polisi tersebut bersalahan dengan apa yang diterangkan oleh ejen takaful atau insurans tuan-puan, ada masa 15 hari tempoh bertenang untuk membatalkan polisi takaful berkenaan dan akan mendapat kembali kesemua 100% sumbangan yang telah dibayar!

Dan akhir sekali pastikan kita mengambil perlindungan yang secukupnya. Cukup tidak semestinya banyak. Itulah pentingnya untuk tuan-puan mendapatkan perunding takaful yang benar-benar menjalankan tugas sebagai perunding, dan bukan sekadar jurujual!

Ya, mungkin tuan-puan tidak didedahkan dengan perkara ini sebelum ini.. !!!
Kami di GREAT EASTERN TAKAFUL hanya memberikan yang terbaik untuk anda... !!!

Menyimpan RM 200 di TABUNG HAJI vs menyimpan RM 200 di TAKAFUL GE, mana satukah pilihan anda?


Simpanan Haji / Umrah beserta perlindungan bersama TAKAFUL GE

Assalamualaikum?

Menyimpan RM 200 di TABUNG HAJI vs menyimpan RM 200 di TAKAFUL GE, mana satukah pilihan anda?

Saya sertakan sebahagian daripada manfaat yang boleh anda perolehi dengan menyimpan di TAKAFUL GREAT EASTERN.

Manfaat:

1.Simpanan RM 50,000* (20 tahun)
2.Manfaat Kad Perubatan Pakar (RM 90,000 setahun) kenaikan RM 9,000 3 tahun sekali jika tiada claim.
3.Manfaat Kad Perubatan Pakar (RM 720,000 seumur hidup)
4.Manfaat Simpanan Percuma (lumpuh/penyakit kritikal)
5.Manfaat Gaji Bulanan RM 2,000 setiap bulan (lumpuh/cacat kekal)
6.Manfaat kemalangan keseluruhan RM 30,000 (meningkat setiap tahun)
7.Manfaat Penyakit Kritikal RM 50,000
8.Manfaat Penyakit Kritikal TAHAP AWAL RM 50,000 (satu-satunya syarikat takaful yang ada plan ini)
9.Manfaat hospital RM 100 sehari
10.Manfaat Cuti Sakit RM 225 (min seminggu)
11.Manfaat Khairat Kematian RM 2,000
12.Manfaat Pesakit Luar Akibat Kemalangan RM 3,000
13.Manfaat Kematian/Lumpuh RM 100,000
14.Manfaat Kematian akibat Kemalangan RM 140,000
15.Manfaat Kematian akibat Kemalangan RM 170,000 (menaiki kenderaan awam)
Terdapat lebih daripada 25 MANFAAT yang lain…

* bergantung pada umur penyimpan

Hubungi untuk keterangan lanjut:

Puan Zakiah
012-5842524

TRUST ME U HAVE NO REGRET...

THE BEAUTY IN SAVING WITH GREAT EASTERN..

Every month you do savings of RM200 in Banks/ASB.
End of the year , total accumulated RM2400 + + (Including interest) (0.3% if in saving account 3% if in Fix Deposit, 7% if in ASB) Assume the savings constantly up to 5 years. Amounting RM12,000 ++ Unfortunately, you are diagnosed for Cancer preliminary level which needRM50,000 for treatment cost Thanks for your savings, you have RM12,000 but you still need RM38,000.

You have 3 options to fund the balance :-

 Borrow
Family and friends will try their best to help you. But to borrow RM38,000 is near impossible unless your have a very rich relative.

 Sell your assets
Your maybe have one or two assets which can be sold. But it takes at least 6 months to sell a house for example. If your assets still under bank’s loan, yet you cant sell it off.

 Seek for Donation
Your saw on television, people seek donation for themselves or their kids. Need money for surgery or treatment. If you are disable or really poor , you are qualified to seek donation under the television programme. But, you are income earner like executive in one big company, you will not getting any help by the donation programme because there are more needy people out there.

SAVING WITH GREAT EASTERN

Every month you do savings of RM200.
End of the year , total accumulated RM2400 + + (Including interest) (8%-9% in InvestmentLink or TakafulLink plan )
In case something bad happen to you , death or total permanent disable , Sum Assured RM100,000 will be compensate to next of kin or to you. (Even you pay insurance just for one month which is RM200 )
Up to 5 years. Amounting RM12,000 ++

Unfortunately, you are diagnosed for Cancer preliminary level which need RM50,000 for treatment cost. Now Medical Card will cover all the cost for you. Limit RM720,000 per lifetime (room RM150).
Plus, Rm50,000* pays at the early stages of various critical illnesses starts paying in stages between 25 per cent and 50 per cent from stage one to stage two depending on the 36 critical illness.

Plus, when you been hospitalized, you will be receiving up to RM200* per day as hospital benefits.
If you unable to work and no money to pay your premium, Contributor plan will continue to pay it. As the result, you still receive Protection and your savings still continue growing until age 80.
* depend on plan that you taken up

PUAN ZAKIAH

Takaful GE
012-5842524

PRODUK TAKAFUL NO. 1 DI MALAYSIA..

Produk terbaru daripada Great Eastern Takaful Sdn Bhd.

Jika anda mementingkan PRODUK DAN SERVIS perkhidmatan yang berkualiti, Great Eastern Takaful tampil mewarisi ciri ini. Kini anda boleh mendapatkan plan takaful daripada penyedia insurans paling berprestij dalam sejarah, Great Eastern yg sudah 102 tahun di Malaysia. Dapatkannya segera.

Ramai yang memilih plan Great Eastern utk perlindungan kerana;

1) Pengalamannya yang mengukir sejarah dalam menguruskan insurans di Msia menjangkau 103 tahun pada 2011

2) Memperolehi kenaikan tambahan had tahunan Medical Card percuma 10% pada setiap 3 tahun tanpa sebarang kenaikan pada premium (jika tiada claim)

3) Lifetime limit untuk medical card antara yang tertinggi (cth: utk Room and Board RM400, Lifetime limit adalah RM1.6 juta)

4) Co-Insurance terendah di pasaran iaitu 10% dengan maximum hanya RM500.

5) Tidak seperti plan dari syarikat insurans/takaful lain, hanya di Great Eastern sahaja anda boleh membuat tuntutan bagi Penyakit Kritikal walaupun masih diperingkat permulaan, satu-satunya plan sepertinya di Malaysia.

Dan beberapa anugerah berkaitan yang menjadikan Great Eastern jenama yang anda boleh yakini kualitinya ;

6) Pemenang Reader’s Digest Trusted Brand Gold Award utk 7 tahun berturut2.

7) Brandlaureate Best Brands Awards 2009-2010

8 ) MalaysiaĆ¢€™s 100 Leading Graduate Employers 2009

9) Brandlaureate SMEs Chapters Award 2009

10) lagi senarai anugerah; http://www.lifeisgreat.com.my

P/S: Saya juga sedang aktif mencari anda yang berminat menjadi wakil Great Eastern Takaful samada PARTIME/FULLTIME. Pelbagai faedah ditawarkan sebagai perunding takaful.

Hubungi saya sekarang untuk maklumat lanjut:

Puan Zakiah.

Alamat email

zakiahali81@yahoo.com

atau di talian hp no. 012-5842524