tag:blogger.com,1999:blog-5126306770032175492024-02-07T06:24:23.703-08:00Holistic Financial Planner AgencyUnknownnoreply@blogger.comBlogger19125tag:blogger.com,1999:blog-512630677003217549.post-9734433638242543632014-11-18T22:14:00.001-08:002014-11-18T22:18:07.452-08:00Mabrur Pelan Haji dan Umrah<div class="separator" style="clear: both; text-align: center;">
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<span style="color: #2a2a2a;">Etiqa Takaful, terlancarlah satu produk bagi merealisasikan
impian umat islam untuk menunaikan Haji dan Umrah. Iaitu Produk Mabrur.</span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEieRDG6XEi6hOInQ08xRnZQ7mYNuXkraWXtT30omc_65vjQE5vg94mNexUGANveDPeKGoCSoMhgh-Hiv8d-KxgqXvUphW-VOUBh8oxO4vemp49TD75EdVigjWqAUQLtJVMI9Q0mPe1rhSR_/s1600/mabrur3.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEieRDG6XEi6hOInQ08xRnZQ7mYNuXkraWXtT30omc_65vjQE5vg94mNexUGANveDPeKGoCSoMhgh-Hiv8d-KxgqXvUphW-VOUBh8oxO4vemp49TD75EdVigjWqAUQLtJVMI9Q0mPe1rhSR_/s1600/mabrur3.jpg" height="229" width="320" /></a></div>
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<span style="color: #2a2a2a; font-size: small;"><b>Kenapa anda perlu menyertai produk Haji dan Umrah eTiQa Takaful :-</b> </span><br />
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<span style="color: #c2a43b;"><b>1. Pendaftaran @ Pembukaan Akaun Tabung Haji percuma untuk anda.</b></span><br />
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<i><span style="color: #7161d0;">-
Tidak perlu bersusah payah ke Tabung Haji, tidak perlu tunggu
berjam-jam lamanya untuk tunggu giliran, Mula sahaja anda daftar di
Etiqa Takaful, maka Syarikat Etiqa akan bukakan akaun Tabung Haji
untuk peserta.</span> </i><br />
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<span style="color: #c2a43b;"><b>2. Kami realisasikan impian Anda dengan Pendaftaran Haji selepas genap tahun ke 3 (Automatik)</b></span><br />
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<i><span style="color: #7161d0;">- Sama juga tidak perlu ambil no giliran untuk mendaftar Haji. Kami (eTiQa Takaful) akan daftarkan Haji secara automatik. </span></i><br />
<span style="color: #c2a43b;"><b>3. Bayaran Tunai Tetap sehingga 123% akan dikreditkan terus ke akaun tabung haji anda.</b></span><br />
<br />
<i><span style="color: #7161d0;">-
Ini berdasarkan Jumlah Asas Perlindungan dan akan dikreditkan secara
automatik ke dalam akaun Tabung Haji Anda setiap tahun selepas tahun ke
3. Pergi Haji dengan duit bonus sahaja. </span></i><br />
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<b><span style="color: #c2a43b;">4. Elaun Haji </span></b><br />
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<i><span style="color: #6555c2;">- Kami beri Anda duit poket sebanyak Rm1000.00 ketika anda ingin menunaikan haji.</span></i><br />
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<b><span style="color: #c2a43b;">5. Elaun Umrah.</span></b><br />
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<i><span style="color: #6555c2;">Tunaikan Umrah pun kami akan beri duit poket sebanyak RM 1,000.00.</span></i><br />
<i><span style="color: #6555c2;"> * Haji dan Umrah mestilah dilakukan BUKAN pada tahun yang sama.</span></i><br />
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<b><span style="color: #c2a43b;"><b>6. Elaun Penjagaan Anak.</b> </span></b><br />
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<i><span style="color: #6555c2;">-
Kami beri duit lagi sebanyak Rm1000.00 untuk anak yang ditinggalkan
ketika anda di Tanah suci. Umur anak mestilah tidak melebihi 18 tahun. </span></i><br />
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<b><span style="color: #c2a43b;">7. Manfaat Ihsar.</span></b><br />
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<i><span style="color: #6555c2;">-
Apabila Anda dalam keadaan berihram dan terhalang dari menunaikan
Haji/Umrah akibat tidak sihat, Manfaat sehingga RM 1,000 dan akan
dibayar balik untuk kos penyembelihan haiwan.</span></i><br />
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<span style="color: #c2a43b;"><b>8. Manfaat Badal Haji</b> </span>-<br />
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<i><span style="color: #6555c2;">-
Kami sediakan sebanyak RM 3,000.00 untuk upah haji jika Anda tidak
sempat menunaikan haji. Harga terkini untuk Upah Haji adalah RM 1,500.</span></i><br />
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<b><span style="color: #c2a43b;">9. Kos pengebumian.</span></b><br />
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<i><span style="color: #6555c2;">- Perbelanjaan Pengebumian sebanyak RM 1,000.00.</span></i><br />
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<span style="color: #626262;">***
Ini semua tidak termasuk lagi dengan nilai wang simpanan Anda di dalam
akaun Tabung Haji & eTiQa Takaful. Ini kerana kedua-dua akaun
tersebut akan diberi dividen tahunan.<br /><br />*** Segala sesuatu
bermulanya dengan niat, selagi mana anda berniat untuk melakukan
kebaikan dan berusaha kearahnya, Insya Allah anda akan dapat. Mungkin
anda masih lagi perlukan beberapa penjelasan, jangan risau dan khuatir
kerana saya sedia membantu anda..</span><br />
<br />
<span style="color: #626262;">salleh Tahir -012 3022205</span><br />
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<br />
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br />
<img height="60" src="http://www.insurankereta.com/banner/468x60.gif" width="468" /><br />
www.insurankereta.com<br />
<br />
<b><span style="font-family: "Calibri","sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-hansi-theme-font: minor-latin;">KOTA KINABALU:</span></b> Peguam
Jawatankuasa Kempen Anti Saman Ekor (Kase), Zulhazmi Shariff menjelaskan
sesiapa yang mendapat saman Sistem Penguatkuasaan Automatik (AES) dan tidak
membayar saman tersebut bukan satu kesalahan.</div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br />
Beliau berkata, di dalam Akta Pengangkutan Jalan 1987 tidak mengandungi arahan
bahawa saman atau kompaun itu wajib dibayar.<br />
<br />
"Pemangku Menteri Pengangkutan Datuk Seri Hishammuddin Hussein
mengeluarkan arahan agar membayar saman dengan kadar yang baru iaitu RM150
tetapi jumlah tersebut akan meningkat jika engkar arahan.<br />
<br />
"Saya nak cabar Hishamuddin tunjukkan dalam akta tersebut yang mengarahkan
saman itu perlu dibayar, kalau dia boleh tunjuk sepatah ayat mengatakan bahawa
saman atau kompaun perlu (wajib) dibayar, saya akan membayar kesemua saman-saman
AES yang telah dikeluarkan," ujarnya.<br />
<br />
Beliau turut mempersoalkan keputusan kerajaan yang meminta pemandu yang
mendapat saman membayar kompaun dengan jumlah denda yang baru.<br />
<br />
"Kompaun tidak wajib dibayar. Saman AES ialah perintah supaya hadir
mahkamah bukan minta dibayar RM300 atau RM150 atau berapa sekali pun.<br />
<br />
"Jika penerima saman tidak membayar kompaun, Jabatan Pengangkutan Jalan
(JPJ) atau Polis Diraja Malaysia (PDRM) jika telah diserahkan kepada PDRM,
tidak boleh menyenarai hitam kerana saman itu tidak tertunggak selagi tidak
dibawa ke mahkamah. Sekarang prosiding AES di mahkamah masih ditangguhkan, jadi
tiada apa-apa tindakan boleh diambil jika penerima saman abaikan saja
saman-saman tersebut.<br />
<br />
"Yang tidak mahu ke mahkamah itu ialah Peguam Negara bukan penerima saman.
Jadi kenapa penerima saman hendak dihukum atas tindakan Peguam Negara yang
tidak mahu ke mahkamah?" tanya beliau.<br />
<br />
Beliau melihat keputusan tersebut adalah kerana kerajaan perlu membayar kepada
syarikat pembekal mengikut perjanjian yang telah dipersetujui.<br />
<br />
Katanya, atas sebab pemandu yang kena saman AES tidak dapat didakwa dan
terdapat saman-saman yang dibatalkan di mahkamah kerana mempunyai masalah
teknikal dari sudut pendakwaan, maka kerajaan mengugut agar pemandu membayar
saman-saman tersebut agar syarikat pembekal mendapat bayaran.<br />
<br />
"Saya pasti kerajaan terdesak untuk bayar kepada syarikat pembekal, jika
sebelum ini setiap satu saman mereka akan dapat RM16 dan jumlah denda sekarang
RM150 sudah pasti pembekal mendapat RM8.<br />
<br />
"Untuk kerajaan tidak membayar komisyen tersebut adalah satu yang mustahil
kerana ia terkandung di dalam perjanjian, dan jika benar kerajaan tidak mahu
bayar, satu jumlah pampasan yang besar perlu dikeluarkan untuk kos ganti rugi
mereka," tambah beliau.<br />
<br />
Sehubungan itu, beliau meminta mana-mana pemandu yang menerima saman AES agar
tidak membayar saman tersebut dan hadir ke mahkamah<br />
<br />
Beliau bersedia untuk mewakili mereka kerana terdapat saman-saman yang sebelum
ini telah dibatalkan oleh mahkamah.<br />
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-512630677003217549.post-39033043537835696002013-01-07T05:11:00.001-08:002013-01-07T05:11:45.310-08:00How much life insurance do you need to protect yourself and your family?When you build a house, you need a good foundation to protect you
from range of circumstances. Insurance protection does the same. It is
the “foundation” of the plan. Do we protect what we have built for those
we love? CONSTANCE JOY A. writes.<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiOH2JeUCD2gb3-qwxQBxI4__ivuelOYmXOrSqyyRHaHYE_iNN6KemkUL2DzNTn77S1UvzoAp1d0rE2iuxXkVpFq_DrEU471G0YGkOcZXkMwbI7FtJjoelbo3rS_K1fwdSNUDRKEFuKHisE/s1600/INSURANS-RUMAH.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="314" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiOH2JeUCD2gb3-qwxQBxI4__ivuelOYmXOrSqyyRHaHYE_iNN6KemkUL2DzNTn77S1UvzoAp1d0rE2iuxXkVpFq_DrEU471G0YGkOcZXkMwbI7FtJjoelbo3rS_K1fwdSNUDRKEFuKHisE/s320/INSURANS-RUMAH.JPG" width="320" /></a></div>
In financial planning, we
divide risk management into several main areas: property and casualty
insurance, liability insurance, medical insurance, disability insurance,
life insurance and long-term care insurance. Which type of insurance
would fit best with your budget?<br />
Most of us walk the tightrope
when we don't do our financial planning. Our loved ones are the ones
climbing on our back while we walk this tightrope. And they trust us
enough to follow us on this journey of life with its uncertainty.<br />
<div class="story_image left" style="width: 174px;">
<span class="caption"></span> </div>
On the issue of risk management, the dilemma is: “How much life insurance do I need? What kind of insurance should I purchase?”<br />
To
determine how much is enough is easy. What would you want for your
surviving spouse and children to have if you were not there? A good rule
of the thumb is that your coverage should be equal to five to seven
times your annual household income. Another guideline is that you should
have death benefit equal to 10 times annual earnings.<br />
<br />
Similarly,
to determine what type of insurance to purchase, you have to begin by
looking at your cash flow. How much money would you dedicate to this
goal? The priority is to get coverage and the peace of mind that goes
with it. Secondly, look at which type of insurance would fit best with
your budget, depending on your cash flow.<br />
<br />
Finally, have you ever
wondered how a hot air balloon reaches its destination? At different
altitudes, the wind current changes, thus effecting which direction the
balloon flies. Skilled ballooners know this and release the burner at
just the right time without procrastination so that it does not drift
dangerously off course.<br />
Just like our goals for our loved ones,
we need to stop putting off what needs to be done to protect our family
and our life's goals. Stop walking the tightrope and build that
foundation. Indeed, insurance is the foundation your family needs.Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-512630677003217549.post-75624733544449158982012-12-25T00:10:00.000-08:002012-12-25T00:11:48.047-08:00Sayangi Rumah anda-Takaful Gadai Janji (MRTA)<!--[if gte mso 9]><xml>
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<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhNldWKGc6AtE31tnNpdbJPrarF5hkiJoknfzc5Idh6u3SWrUpbKgcumJ0w7ixQr9JVcvNs15yeQA3UDn3lndezhxgNk4P_xdlBACGxo1ZGIwHB-KLqH8w08RjUu0P5oRDsNShIbXJK_ttG/s1600/rumah.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhNldWKGc6AtE31tnNpdbJPrarF5hkiJoknfzc5Idh6u3SWrUpbKgcumJ0w7ixQr9JVcvNs15yeQA3UDn3lndezhxgNk4P_xdlBACGxo1ZGIwHB-KLqH8w08RjUu0P5oRDsNShIbXJK_ttG/s1600/rumah.jpg" /></a></div>
<br />
<span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-size: 12.0pt; line-height: 115%;">Takaful
Gadai Janji (MRTA)</span><br />
<span style="font-size: 12.0pt; line-height: 115%;"> </span>
<br />
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 0in; mso-add-space: auto; text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;">Apabila
anda mengambil pembiayaan untuk membeli rumah kediaman, bangunan kedai atau
pejabat, institusi kewangan yang membiayai pembelian tersebut akan menghendaki
anda menyertai takaful gadai janji. Ada pakej pembiayaan yang mewajipkan anda
mengambil takaful gadai janji atau sebaliknya bergantung kepada institusi
kewangan tersebut. Takaful gadai janji ialah pelan takaful keluarga yang akan
menyelesaikan baki pembiayaan perumahan anda sekiranya anda meninggal dunia atau
hilang upaya kekal. Apabila pembiayaan perumahan telah ditebus, kediaman
tersebut akan ditukar milik kepada anda atau waris anda. Anda hanya perlu
mencarum sekali sahaja bagi takaful gadai janji semasa mengambil pembiayaan
perumahan. </span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 0in; mso-add-space: auto; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 0in; mso-add-space: auto; text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;">Kadar caruman
bergantung kepada faktor umur, jumlah pembiayaan, kadar keuntungan, jantina,
tahap kesihatan dan tempoh pembiayaan tersebut. Sekiranya anda menjual rumah
tersebut atau membuat penubusan awal pembiayaan perumahan anda, maka anda layak
mendapat bayaran balik caruman takaful secara pro rata ke atas tempoh takaful
yang belum lupus. </span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 0in; mso-add-space: auto; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 0in; mso-add-space: auto; text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;">Sumber caruman
takaful gadai janji biasanya bersumberkan dua cara. Pertama: institusi kewangan
akan memasukkan kos tersebut didalam jumlah pinjaman anda. Atau sumber kedua:
anda bayar menggunakan duit poket anda. Perlu diingat kaedah pertama nampak terbaik
tetapi ini menyebabkan jumlah pinjaman anda bertambah serta bayaran bulanan
juga bertambah berbanding dengan kaedah kedua.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 0in; mso-add-space: auto; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 0in; mso-add-space: auto; text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;">Ada beberapa
kelemahan pada produk ini yang jarang diceritakan oleh pihak institusi
kewangan. Disini saya cuba kupaskan agar anda atau waris anda kelak tidak
terperangkap dengan produk ini. </span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 0in; mso-add-space: auto; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l1 level1 lfo2; text-align: justify; text-indent: -.25in;">
<span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;">1)<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-size: 12.0pt; line-height: 115%;">Kadar keuntungan</span></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;">Masalah ini terjadi apabila anda
menggunakan kadar keuntungan berubah (BLR). Iaitu Contoh: BLR + 1%, disini
contoh BLR pada masa itu adalah 5% maka kadar kiraan keuntungan pada masa itu
adalah BLR (5%) + 1% = 6%. Oleh itu kiraan jumlah caruman takaful gadai janji
anda adalah berdasarkan 6%. Permasalah kepada anda akan timbul apabila berlaku
kematian atau hilang upaya kekal, dimana ketika itu kadar BLR telah berubah
iaitu naik. Jika BLR turun tidak menjadi masalah kepada anda. Contoh BLR
sekarang adalah 6.5%. Maka kadar keuntungan baru Bank adalah BLR baru (6.5%) +
1% = 7.5%. Ini bermakna nilai perlindungan takaful gadai janji terhadap diri
anda adalah berdasarkan kadar keuntungan asal 6%. Tetapi semasa kejadian kadar
keuntungan baru 7.5%. %-6% = 1.5%. Ini menyebabkan perlindungan takaful gadai
janji anda tidak mengcukupi melindungi jumlah baki pinjaman pada masa itu. Maka
anda atau waris terpaksa membayar secara tunai jumlah baki hutang yang masih
tertunggak (1.5%): contoh kiraan semasa kejadian kematian atau hilang upaya
kekal.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify; text-indent: .5in;">
<span style="font-size: 12.0pt; line-height: 115%;">Baki pinjaman: RM100 000 </span></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify; text-indent: .5in;">
<span style="font-size: 12.0pt; line-height: 115%;">Jumlah perlindungan pada masa itu:
RM80 000</span></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify; text-indent: .5in;">
<span style="font-size: 12.0pt; line-height: 115%;">Jumlah baki hutang (baki pinjaman –
jumlah perlindungan pada masa itu):</span></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify; text-indent: .5in;">
<span style="font-size: 12.0pt; line-height: 115%;">RM20 000</span></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;">Maka anda atau waris perlu
menjelaskan baki RM20 000 tersebut kepada institusi pembiayaan tersebut. </span></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;">Keadaan ini banyak terjadi kerana
semasa memohon pembiayaan, <span style="mso-spacerun: yes;"> </span>anda akan
meminta kos paling rendah bagi kos caruman takaful gadai janji. Maka pihak
pembiaya akan mengira berdasarkan kadar BLR paling minimum. Anda terseyum riang
kerana bayaran caruman rendah tetapi anda tidak sedar kesannya terhadap anda
atau waris semasa proses tuntutan kelak. Permasalah ini tidak terjadi terhadap
pelanggan yang menggunakan kaedah pembiayaian berkadar tetap.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l1 level1 lfo2; text-align: justify; text-indent: -.25in;">
<span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;">2)<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-size: 12.0pt; line-height: 115%;">Pembeli bersama</span></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;">Jika anda membeli rumah menggunakan
dua nama contoh suami isteri: kebiasaanya anda akan menyertai takaful gadai
janji menggunakan kaedah 50%:50%. Ini akan menyebabkan kos caruman anda jimat. Cuba
kita lihat jika anda menggunakan kaedah 100%:100%. </span></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;">Contoh: jumlah pembiayaan rumah anda
adalah RM200 000.00, perbandingan kaedah 100% dengan kaedah 50% </span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-size: 12.0pt; line-height: 115%;">Peminjam/kaedah</span></b></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 58.5pt;" valign="top" width="78"><div class="MsoListParagraphCxSpMiddle" style="margin-left: 0in; mso-add-space: auto; text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 12.0pt; line-height: 115%;">Kaedah </span></b></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 117.0pt;" valign="top" width="156"><div class="MsoListParagraphCxSpMiddle" style="margin-left: 0in; mso-add-space: auto; text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 12.0pt; line-height: 115%;">Perlindungan(RM)</span></b></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 112.5pt;" valign="top" width="150"><div class="MsoListParagraphCxSpLast" style="margin-left: 0in; mso-add-space: auto; text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 12.0pt; line-height: 115%;">Kos takaful (RM)</span></b></div>
</td>
</tr>
<tr style="mso-yfti-irow: 1;">
<td rowspan="2" style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 149.4pt;" valign="top" width="199"><div class="MsoListParagraphCxSpFirst" style="margin-left: 0in; mso-add-space: auto; text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;">Suami</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 58.5pt;" valign="top" width="78"><div class="MsoListParagraphCxSpMiddle" style="margin-left: 0in; mso-add-space: auto; text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;">100%</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 117.0pt;" valign="top" width="156"><div class="MsoListParagraphCxSpMiddle" style="margin-left: 0in; mso-add-space: auto; text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;">200
000</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 112.5pt;" valign="top" width="150"><div class="MsoListParagraphCxSpLast" style="margin-left: 0in; mso-add-space: auto; text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;">8 000</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 2;">
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 58.5pt;" valign="top" width="78"><div class="MsoListParagraphCxSpMiddle" style="margin-left: 0in; mso-add-space: auto; text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;">50% </span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 117.0pt;" valign="top" width="156"><div class="MsoListParagraphCxSpMiddle" style="margin-left: 0in; mso-add-space: auto; text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;">100
000</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 112.5pt;" valign="top" width="150"><div class="MsoListParagraphCxSpLast" style="margin-left: 0in; mso-add-space: auto; text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;">4 000</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 3;">
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 149.4pt;" valign="top" width="199"><div class="MsoListParagraphCxSpFirst" style="margin-left: 0in; mso-add-space: auto; text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;">Isteri</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 58.5pt;" valign="top" width="78"><div class="MsoListParagraphCxSpMiddle" style="margin-left: 0in; mso-add-space: auto; text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;">100%</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 117.0pt;" valign="top" width="156"><div class="MsoListParagraphCxSpMiddle" style="margin-left: 0in; mso-add-space: auto; text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;">200
000</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 112.5pt;" valign="top" width="150"><div class="MsoListParagraphCxSpLast" style="margin-left: 0in; mso-add-space: auto; text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;">7 500</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 4; mso-yfti-lastrow: yes;">
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 149.4pt;" valign="top" width="199"><div class="MsoListParagraphCxSpFirst" style="margin-left: 0in; mso-add-space: auto; text-align: justify;">
<br /></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 58.5pt;" valign="top" width="78"><div class="MsoListParagraphCxSpMiddle" style="margin-left: 0in; mso-add-space: auto; text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;">50% </span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 117.0pt;" valign="top" width="156"><div class="MsoListParagraphCxSpMiddle" style="margin-left: 0in; mso-add-space: auto; text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;">100
000</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 112.5pt;" valign="top" width="150"><div class="MsoListParagraphCxSpLast" style="margin-left: 0in; mso-add-space: auto; text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;">3 500</span></div>
</td>
</tr>
</tbody></table>
<div class="MsoListParagraphCxSpFirst" style="text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;">Maka jumlah kos: Kaedah 100% adalah
RM8000 (suami) + RM7500 (isteri) = RM15 500</span></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;">Tetapi bagi kaedah 50% adalah RM4000
(suami) + RM3500 (isteri) = RM7 500</span></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;">Sudah pasti anda akan memilih kaedah
50%. Akan tetapi perlu diingat bahawa semasa berlaku kematian terhadap salah
seorang daripada anda. Maka perlindungan takaful hanya melindungi 50% sahaja
daripada jumlah pinjaman anda. Baki selebihnya yang masih hidup perlu membayar
bulanannya termasuk baki kesan kenaikan BLR seperti mana yang saya jelaskan di
kesan kadar keuntungan sebelum ini.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l1 level1 lfo2; text-align: justify; text-indent: -.25in;">
<span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;">3)<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-size: 12.0pt; line-height: 115%;">Penyakit kritikal</span></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;">Takaful gadai janji tidak tidak
melindungi penyakit kritikal. Jika anda memiliki produk ini tetapi anda
disahkan terkena penyakit kritikal, maka anda perlu membayar pinjaman perumahan
seperti biasa. Ini sebenarnya amat membebankan anda kerana kos perubatan yang
tinggi serta bayaran bulanan pinjaman perlu dilunaskan. Oleh itu keadah terbaik
yang anda boleh ambil dengan menyertai produk lain yang melindungi penyakit
kritikal agar masalah ini dapat diatasi.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l1 level1 lfo2; text-align: justify; text-indent: -.25in;">
<span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;">4)<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-size: 12.0pt; line-height: 115%;">Kaedah tandatangan sahaja</span></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;">Ramai pengguna menggunakan kaedah
menurunkan tandatangan di borang permohonan takaful gadai janji tanpa membaca
isi kandungannya. Mereka percaya penuh mutlak kepada pegawai institusi
pembiaya. Ini adalah satu kaedah yang salah kerana kesannya ramai yang tidak
dapat membuat tuntutan takaful gadai janji disebabkan tidak mengistiharkan
keadaan kesihatan yang tepat semasa memohon pinjaman perumahan. Keadaan ini
terjadi kerana peminjam hanya menurunkan tandatangan dan pihak pegawai hanya
tanda sihat didalam borang permohonan disediakan. Jika ini terjadi siapa yang
patut dipersalahkan? Pelanggan dan institusi kewangan akan mengatakan pihak
syarikat takaful cuba menafikan tuntutan, pihak takaful akan mengatakan ada
masalah penipuan dalam mengisi borang kesihatan. Maka anda sebagai peminjam
yang menjadi mangsa. Oleh itu baca dan jawap satu persatu keatas soalan yang
diberikan. Ambil masa biar berapa lama sekalipun agar anda tidak terjerat. Jika
tidak faham terma dan syaratnya minta pegawai institusi tersebut jelaskan satu
persatu.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l1 level1 lfo2; text-align: justify; text-indent: -.25in;">
<span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;">5)<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-size: 12.0pt; line-height: 115%;">Kekeliruan produk</span></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;">Kes ini banyak terjadi kepada
kakitangan kerajaan. Bukan maksud saya yang meminjam dengan pihak swasta tidak
terjadi. Ada juga yang terjadi tapi kecil kesnya berbanding dengan mereka ynag
meminjam dengan kerajaan. Ini kerana didalam produk pinjaman perumahan kerajaan
mereka menawarkan dua produk takaful iaitu Takaful gadai janji dan takaful kebakaran
bertempoh. Produk ini menjadi pilihan samada memyertai salah satu atau
keduanya. Kebiasaanya kakitangan kerajaan akan mengambil produk Takaful
Kebakaran bertempoh, ini kerana produk ini murah berbanding Takaful gadai
janji. Apabila mereka boleh memilih maka mereka diberikan yang murah kerana
beberapa faktor: mereka pilih sendiri atau diberi berdasarkan kepada kelayakan
maksimum pinjaman. Dalam kes ini ramai kakitangan kerajaan yang saya jumpa
mempunyai masalah ini. Oleh itu pastikan anda mengambil produk yang betul bukan
kerana murah. Jika had kelayakan anda telah maksimum maka apa kiranya anda keluarkan
duit poket sendiri bagi kos takaful, supaya anda tidak bermasalah kelak.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l1 level1 lfo2; text-align: justify; text-indent: -.25in;">
<span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;">6)<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-size: 12.0pt; line-height: 115%;">Pembayaran balik baki caruman bila
berlaku penebusan semula pembiayaan </span></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;">Keadaan ini berlaku apabila anda
menjual rumah anda sebelum tempoh bayaran bayaran balik selesai atau anda
membuat penjelasan kesemua baki pinjaman dalam tempoh sebelumnya. Sebenarnya anda
berhak mendapatkan kembali baki caruman takaful yang belum digunakan tempohnya.
Oleh itu anda perlu meminta pihak institusi kewangan membuat proses tuntutan
kembali dengan pihak syarikat takaful. Anda perlu membuat tindakan susulan agar
proses ini berjalan dengan lancar. Jangan mengharapkan kakitangan institusi kewangan
menjalankan<span style="mso-spacerun: yes;"> </span>tugasan mereka walaupun
mereka dibayar gaji. Anda perlu mengambil bahagian, ini kerana duit anda bukan
duit mereka. Mereka silih berganti ditempat anda berurusan. Oleh itu anda
adalah orang yang perlu lebih tahu dalam menentukan hak anda.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l1 level1 lfo2; text-align: justify; text-indent: -.25in;">
<span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;">7)<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-size: 12.0pt; line-height: 115%;">Bayaran Mudharabah</span></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;">Uniknya kontrak takaful, anda akan
dibayar mudharabah apabila kontrak takaful gadai janji anda matang. Jumlah mudharabah
anda adalah bergantung kepada kontrak yang anda tandatangani semasa permohonan.
Syarikat takaful menawarkan kadar mudharabah berbeza mengikut kontrak
masing-masing. Contoh syarikat E menggunakan kadar 80%/20%. Syarikat P: 70%/30%
dan syarikat M: 70%/30%. 80% itu adalah bayaran keuntungan kepada pelanggan dan
20% itu bayaran keuntungan kepada pemilik syarikat takaful tersebut. Oleh itu
pastikan anda kemaskini alamat semasa anda semasa kontrak ini hendak matang. Agar
mudharabah tersebut dapat dibayar terus kepada anda oleh syarikat takaful
tersebut. Bagaimana jika anda membeli insuran gadai janji dari syarikat
insurans konversional, adakah anda akan mendapat bonus seperti ini juga? Jawapannya
adalah tidak, produk insurans gadai janji (konversional) tidak mempunyai
kontrak seperti ini. Kesemua duit bayaran premium anda akan hangus.</span></div>
<div class="MsoListParagraphCxSpLast" style="text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;"><span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span></span></div>
<br />Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-512630677003217549.post-80630021323488479282012-10-15T02:44:00.002-07:002012-10-15T02:44:26.080-07:00Sindiket tipu tuntutan insurans<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEipxNRRhyHFL-8AeWzkmx0ff2y6mCcZjgTXQexOu6NT28X0TFg2Ph2LP0ZDEgiuD3COGo_632Alzp7l894IMhpOWbq_RrYj6IVFZcUYvhekUodhwwfBj0rrNLM_sZhyphenhyphenP0TYTdZiEn8BBmMo/s1600/tipu+insurns.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="262" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEipxNRRhyHFL-8AeWzkmx0ff2y6mCcZjgTXQexOu6NT28X0TFg2Ph2LP0ZDEgiuD3COGo_632Alzp7l894IMhpOWbq_RrYj6IVFZcUYvhekUodhwwfBj0rrNLM_sZhyphenhyphenP0TYTdZiEn8BBmMo/s320/tipu+insurns.jpg" width="320" /></a></div>
<br />
Seorang individu yang dipercayai menjalankan sindiket insurans kenderaan
yang mengalami kemalangan menunggu mangsa di hadapan Balai Polis Trafik
Jalan Tun H. S. Lee, Kuala Lumpur<br />
<br />
<br />
<div style="background-color: white; border: medium none; color: black; overflow: hidden; text-align: left; text-decoration: none;">
KEGIATAN memanipulasi tuntutan insurans kemalangan bukanlah satu perkara
baharu malah semakin menjadi-jadi kebelakangan ini sehingga menyebabkan
pihak insurans terpaksa menanggung kerugian ratusan juta ringgit setiap
tahun.
Dalam satu laporan khas, wartawan Utusan Malaysia membongkar kegiatan
licik sindiket itu yang beroperasi dengan melibatkan ejen insurans
sendiri, bengkel membaiki kenderaan, trak penunda, firma guaman malah
pihak berkuasa.<br />
Misi mereka satu - mengaut keuntungan semaksimum mungkin pampasan
yang diberikan pihak insurans di atas kemalangan atau kehilangan nyawa
orang lain.<br />
Hasil penyamaran wartawan sebagai mangsa kemalangan mendapati ejen
sindiket mengakui boleh menguruskan semua urusan berkaitan tuntutan
insurans malah, sehingga ke tahap membuat laporan polis.<br />
Menurut sumber insurans, polis dan Suruhanjaya Pencegahan Jenayah
Malaysia (SPRM), kegiatan sindiket itu sukar dibanteras kerana saksi
termasuk mangsa enggan tampil membantu kerana mendapat pampasan walaupun
dalam jumlah kecil.<br />
<br /></div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-512630677003217549.post-27820030376580242032012-10-06T02:11:00.001-07:002012-10-06T02:12:25.605-07:00APA ITU INSURANS<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhFPR31fp8sKmmrJ70tshu4aBgx1ttQJwqH3fiJ7S7SXVp9fIpRrQLQHFu6KKOeS-5LsmAtujeZ1LHk7Wxf9TV31WHu4EgnUJuawPlRWwTx3Ch2ek4NK_wvdMAib95KKF2wW_HlnJ2RDMGz/s1600/family+pic.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhFPR31fp8sKmmrJ70tshu4aBgx1ttQJwqH3fiJ7S7SXVp9fIpRrQLQHFu6KKOeS-5LsmAtujeZ1LHk7Wxf9TV31WHu4EgnUJuawPlRWwTx3Ch2ek4NK_wvdMAib95KKF2wW_HlnJ2RDMGz/s1600/family+pic.jpg" /></a></div>
<br />
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<b style="mso-bidi-font-weight: normal;"><span style="color: red; font-size: 18.0pt; line-height: 115%;">APA ITU INSURANS</span></b></div>
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<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 12.0pt; line-height: 115%;">Definisi insurans:</span></b><span style="font-size: 12.0pt; line-height: 115%;"> insurans merupakan satu institusi ekonomik berasaskan prinsip bersaling
dibentuk bagi tujuan menubuhkan dana am. Keperluannya timbul daripada berlakunya
risiko yang tidak diduga, yang kebarangkalian berlakunya boleh dianggarkan
dengan munasabah. Dari segi kewangan pula, insurans ditakrifkan sebagai
penganturan kewangan yang mengagihkan semula kos kerugian luar jangka.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 12.0pt; line-height: 115%;">Sejarah industri insurans: </span></b><span style="font-size: 12.0pt; line-height: 115%;">Sejarah insurans yang jelas bermula pada abad ke-13 dan ke
-14 dimana insurans perkapalan berkembang sejajar dengan perkembangan industri perkapalan
di Eropah. Bagi insurans hayat pula, polisi pertama telah dikeluarkan di
England pada tahun 1583 keatas William Gybbon. </span></div>
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<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;">Insurans berjalan atau beroperasi
atas prinsip-prinsip asas insurans iaitu kepentingan boleh insurans, penuh
percaya mutlak, gantirugi, subrogasi, perkongsian sama rata dan sebab
terhampir.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;">Insurans atau dengan jelas lagi
dipanggil insurans konversional terbahagi kepada dua,iaitu insurans hayat dan
insurans AM.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 12.0pt; line-height: 115%;">Pendapat ulama terhadap insurans:</span></b><span style="font-size: 12.0pt; line-height: 115%;"> Pada 15 jun 1972, Majlis Fatwa Kebangsaan Malaysia dalam
persidangan memutuskan bahawa insurans hayat(nyawa) <span style="mso-spacerun: yes;"> </span>adalah haram manakala insurans am adalah harus
(rujuk lampiran).</span></div>
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<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;">Kontrak insurans yang berasaskan
kepada penjualan polisi antara pemegang polisi atau pihak yang diinsuranskan
dengan penanggung insurans menjadi sebab utama kenapa insurans diharamkan. Unsur-unsur
yang dilarang dalam insurans: Para ulama memutuskan kontrak insurans haram
kerana ia mengandungi unsur-unsur berikut: </span></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify;">
<br /></div>
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<span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-size: 12.0pt; line-height: 115%;">Gharar
(ketidakpastian)</span></div>
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<span style="font-size: 12.0pt; line-height: 115%;">Gharar
menurut syarak: islam telah mensyaratkan bahawa sesuatu akad atau perjanjian
yang dimeterai antara pihak yang membuat perjanjian mestilah jelas tentang
perkara yang diakadnya.</span></div>
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<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: .75in; mso-add-space: auto; text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;">“rasulullah
s.a.w melarang daripada menjual barang (secara melontar batu) dan jualan yang
mempunyai gharar” (riwayat Baihaqi).</span></div>
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<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: .75in; mso-add-space: auto; text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;">Kontrak
insurans mengandungi unsur gharar kerana: “apabila tidak berlaku tuntutan, satu
pihak (syarikat insurans) akan mendapat semua keuntungan (premium) sementara
satu pihak lagi (pembeli) tidak mendapat sebarang keuntungan sedangkan
kontraknya adalah berasaskan jual beli”. </span></div>
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<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: .75in; mso-add-space: auto; text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;">Dalam
kontrak insurans, syarikat insurans akan menawarkan produk(jaminan) manakala
pembeli, membeli produk (jaminan). Urusan jual beli ini berlaku dimana produk
adalah dalam bentuk satu jaminan manakala pembeli mesti membayar kosnya setiap
masa yang di tetapkan. Persoalannya jika berlaku musibah pampasan akan dibayar
kepada pembeli atau warisnya jika tidak sebaliknya. Ini menunjukkan bahawa
walaupun bayaran telah dibuat oleh pembeli tetapi produknya belum tentu akan
dapat dimiliki oleh pembeli atau warisnya. </span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: .75in; mso-add-space: auto; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: .75in; mso-add-space: auto; text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;">Keadaan
ini bertepatan dengan definisi gharar oleh ibn Taimiyah yang menerangkan: </span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: .75in; mso-add-space: auto; text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;">“gharar
dalam kontrak berlaku apabila satu pihak mendapat keuntungan sementara sebelah
pihak lagi tidak menerimanya”.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: .75in; mso-add-space: auto; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: .75in; mso-add-space: auto; mso-list: l1 level1 lfo3; text-align: justify; text-indent: -.25in;">
<span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-size: 12.0pt; line-height: 115%;">Maisir
(judi)</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: .75in; mso-add-space: auto; text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;">“hai
orang-orang yang beriman, sesungguhnya khamar, maisir, berhala, bertenung nasib
dengan panah, adalah perbuatan keji termasuk perbuatan syaitan, maka jauhillah
perbuatan-perbuatan itu agar kamu mendapat keuntungan”(Surah al-maidah:90)</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: .75in; mso-add-space: auto; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: .75in; mso-add-space: auto; text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;">Dalam
konteks insurans, para ulama menyatakan maisir dan gharar mempunyai kaitan yang
amat rapat. Ini bererti jika sesuatu transaksi mengandungi gharar maka dengan
sendirinya unsur maisir akan turut serta. Kaitan antara keduanya adalah terlalu
rapat dan saling berkait. Islam menganggap sebagai suatu perjudian apabila
seseorang pemegang polisi insurans nyawa meninggal dunia sedangkan tempoh
perjanjian belum lagi tamat dan hanya membayar sebahagian premium yang dipersetujui,
tetapi kemudian diberikan pula pampasan yang tidak dijelaskan asal usul
sumbernya. Syarikat insurans boleh mengalami keuntungan atau kerugian
disebabkan tuntutan yang seolah-olah bergantung kepada nasib disebabkan
wujudnya unsur gharar. Keuntungan daripada itu dianggap sebagai judi.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: .75in; mso-add-space: auto; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: .75in; mso-add-space: auto; text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;">Jenis-jenis
judi dalam kontrak insurans:</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.5in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -.5in;">
<span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;">i)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-size: 12.0pt; line-height: 115%;">Peserta
membayar premium yang kecil dengan mengharapkan wang yang lebih besar
jumlahnya.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.5in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -.5in;">
<span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;">ii)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-size: 12.0pt; line-height: 115%;">Peserta
hilang wang premium apabila peristiwa ingin dilindungi tidak berlaku</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.5in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -.5in;">
<span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;">iii)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-size: 12.0pt; line-height: 115%;">Syarikat
akan rugi jika terpaksa membayar tuntutan yang melebih jumlah premium yang
diterima.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.5in; mso-add-space: auto; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: .75in; mso-add-space: auto; mso-list: l1 level1 lfo3; text-align: justify; text-indent: -.25in;">
<span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-size: 12.0pt; line-height: 115%;">Riba
</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: .75in; mso-add-space: auto; text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;">“dan
allah menghalalkan jualbeli dan mengharamkan riba”. ( surah al-baqarah:275)</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: .75in; mso-add-space: auto; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: .75in; mso-add-space: auto; text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;">Didalam
kontrak insurans terdapat empat jenis riba yang terlibat:</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.5in; mso-add-space: auto; mso-list: l2 level1 lfo2; text-align: justify; text-indent: -.5in;">
<span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;">i)<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-size: 12.0pt; line-height: 115%;">Apabila
pembeli insurans membuat pengeluaran duit simpanan, ia dipanggil “<i style="mso-bidi-font-style: normal;">policy Loan”</i>. Disini pembeli mesti
membayar kembali duit yang dikeluarkan bersama dengan kadar feadah yang
dikenakan. Kebiasannya setiap syarikat insurans mengenakan kadar faedah sebanyak
8% setahun keatas policy loan. Terma ini berjalan keatas produk insurans yang
berbentuk tradisional. Bagi polisi berkaitan pelaburan(investment-linked)
keadaan ini tidak berlaku.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.5in; mso-add-space: auto; mso-list: l2 level1 lfo2; text-align: justify; text-indent: -.5in;">
<span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;">ii)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-size: 12.0pt; line-height: 115%;">Premium
yang terlewat bayar akan dikenakan bunga mengikut kadar yang ditentukan dan ini
dipanggil riba. Ini melibatkan produk insurans tradisional dan berkaitan
pelaburan.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.5in; mso-add-space: auto; mso-list: l2 level1 lfo2; text-align: justify; text-indent: -.5in;">
<span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;">iii)<span style="font: 7.0pt "Times New Roman";"> S</span></span></span><span style="font-size: 12.0pt; line-height: 115%;">esetengah
produk insurans ada membayar dividen (produk tradisional) kepada pemegang
polisi samada semasa matang atau setiap ulangtahun polisi. Dividen ini
bersumberkan riba yang dijana daripada pelaburan di syarikat-syarikat yang
berkaitan dengan riba dan tidak mengikut syarak seperti syarikat judi, arak serta
industri berkaitan babi.</span></div>
<div class="MsoListParagraphCxSpLast" style="margin-left: 1.5in; mso-add-space: auto; mso-list: l2 level1 lfo2; text-align: justify; text-indent: -.5in;">
<span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;">iv)<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-size: 12.0pt; line-height: 115%;">Manakala
bagi produk berkaitan pelaburan pula, syarikat insurans tidak membayar dividen,
tetapi pihak pemegang polisi mendapat keuntungan daripada duit pelaburan
mereka. Dimana duit ini dilaburkan terus oleh pihak syarikat insurans ke dalam
syarikat berkaitan riba, arak dan yang haram lain. Maka dengan sendirinya
keuntungan tersebut menjadi haram. Ada sesetangah produk ini dilaburkan
didana-dana yang halal. Ini bermakna hukum pelaburannya adalah halal. Cuma
produk ini masih menjadi haram kerana ia masih mengandungi unsur-unsur gharar
dan judi. Unsur riba(denda lambat bayar premium) masih boleh terlibat jika
pemegang polisi lambat membuat bayaran premium seperti dalam kontrak. </span></div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-512630677003217549.post-15918294953700205212012-09-22T01:16:00.000-07:002012-09-22T01:16:20.360-07:00Apa itu takaful?<!--[if gte mso 9]><xml>
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<span style="color: red; font-size: 24.0pt; line-height: 115%; mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;">1.</span></span><span style="color: red; font-size: 24.0pt; line-height: 115%;">Apa itu takaful?</span></div>
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<br /></div>
<div align="center" class="MsoListParagraphCxSpMiddle" style="text-align: center;">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 12.0pt; line-height: 115%;">Definisi:</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;">Kata dasar perkataan takaful adalah Kafala
yang bererti menjamin, menjaga atau memelihara. Oleh itu takaful memberi maksud
saling menjamin, menjaga dan memelihara. Dalam bahasa yang mudah takaful
bermaksud satu pakatan yang berjanji menjaga kebajikan diantara ahli apabila
salah seorang daripada mereka yang menyertai pakatan berlaku musibah. Oleh sebab
itu kontrak takaful mengandungi unsur tabarru’. Tabarru’ berfungsi sebagai satu
dana bagi menolong ahli pakatan apabila musibah melanda. Unsur-unsur lain yang
terlibat dalam kontrak takaful adalah Mudharabah, wakalah, qardh hasan dan
hibah.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 12.0pt; line-height: 115%;">Tabarru’</span></b><span style="font-size: 12.0pt; line-height: 115%;">
bermaksud menderma. Dalam operasi takaful setiap peserta yang ingin menyertai
pakatan ini, mesti menyumbang (tabarru’) duit mereka kedalam tabung dana risiko.
Dana ini akan digunakan apabila peserta-peserta dalam pakatan tersebut ditimpa
musibah. Kebiasaannya nisbah tabarru’ dan Akaun peserta (simpanan) berbeza diantara
setiap produk dan syarikat takaful. </span></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 12.0pt; line-height: 115%;">Mudharabah</span></b><span style="font-size: 12.0pt; line-height: 115%;"> merupakan
kontrak perkongsian melibatkan satu pihak menyediakan modal dan satu lagi
mengusahakan. Dalam kes takaful pemodal (peserta) dan pengusaha (syarikat
takaful). <span style="mso-spacerun: yes;"> </span>Wang sumbangan peserta selepas
ditolak yuran wakalah akan dilaburkan oleh syarikat takaful samada dari dana
risiko dan akaun peserta (simpanan). Apabila berlaku keuntungan, keuntungan
tersebut akan dibahagikan kepada peserta dan syarikat takaful mengikut nisbah
yang dipersetujui pada peringkat awal kontrak diantara peserta dengan syarikat
takaful. Kebiasaanya setiap syarikat takaful meletakkan nisbah berbeza. Malahan
ada juga syarikat yang sama tetapi apabila produk berbeza maka nisbah juga
berbeza. Oleh itu peserta boleh memilih syarikat yang memberi tawaran terbaik
kepada mereka sebelum ingin menyertai mana-mana produk takaful.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 12.0pt; line-height: 115%;">Wakalah</span></b><span style="font-size: 12.0pt; line-height: 115%;"> bermaksud
penyerahan tanggungjawab yang ada pada seseorang (muwakkil) kepada seseorang yang
lain (wakil) dengan lafaz agar menguruskan tanggungjawab yang diwakilkan. Dalam
industri takaful, wakalah wujud dalam dua kontrak. Syarikat takaful dilantik
sebagai wakil oleh pihak peserta. Syarikat takaful (wakil) akan menjalankan
tanggungjawab dalam mengurus dana risiko dan simpanan peserta serta segala
urusan berkaitan. Manakala peserta mesti menyumbangkan wang kedalam tabung dana
risiko tersebut. Manakala wakalah kedua pula adalah diantara syarikat takaful
dan pekerja pemasaran syarikat. Dimana syarikat menyediakan skim takaful
(produk) manakala pekerja pemasaran ( wakil@agent, broker, banktakaful dan
kakitangan syarikat-jual terus) adalah wakil yang dilantik oleh syarikat bagi
memasarkan skim tersebut kepada masyarakat bagi pihak syarikat. <span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;">Kontrak <b style="mso-bidi-font-weight: normal;">Qard hasan</b> merupakan pinjaman kebajikan dimana peminjam hanya perlu
membayar semula jumlah wang yang dipinjam tanpa ada bayaran tambahan. Dalam industri
takaful, pinjaman ini dijalankan apabila syarikat takaful kehabisan wang dari
dana risiko akibat tuntutan yang melebihi dana. Maka syarikat takaful perlu memberi
pinjaman kepada dana risiko bagi mempercepatkan proses tuntutan tersebut agar
kebajikan peserta tidak terabai.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;">Kontrak <b style="mso-bidi-font-weight: normal;">hibah</b> bermaksud memberi milik (duit, barang) kepada orang lain. Dalam
industri takaful hibah berfungsi dalam beberapa keadaan. Pertama apabila
syarikat takaful memberi pinjaman qardh hasan kepada dana risiko, maka pengurus
dana risiko boleh memberi hibah kepada syarikat takaful sebagai tanda terima
kasih apabila tabung dana tersebut pulih kembali. Kedua, hibah dari segi wang
simpanan peserta: peserta boleh menghibahkan wang simpanan mereka kepada
sesiapa yang diinginkanya apabila peserta tersebut meninggal dunia. Manakala wang
pampasan daripada dana risiko (tuntutan) perlu diberi kepada waris yang sah
mengikut hukum faraid. Ketiga, hibah wang keuntungan(mudharabah) yang kecil
setiap tahun, contoh ada satu syarikat takaful dinegara ini meminta peserta
hibahkan keuntungan tersebut (secara langsung) kepada rumah anak yatim dan
orang miskin dari produk mereka (bukan semua produk) apabila keuntungan produk
tersebut kurang daripada RM10 setiap tahun. Hibahan tersebut diuruskan oleh
syarikat takaful bagi pihak peserta.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify;">
<br /></div>
<div align="center" class="MsoListParagraphCxSpMiddle" style="text-align: center;">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 12.0pt; line-height: 115%;">Sejarah Takaful</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;"><span style="mso-spacerun: yes;"> </span>Sistem takaful wujud dizaman kerajaan islam
madinah lagi. Rasulullah s.a.w telah memperkenalkan dua skim utama pada masa
itu. Skim al-aqilah; konsep saling bertanggungjawab dikalangan ahlinya. Di bawah
skim ini, setiap ahli bersetuju mewujudkan satu tabung dana risiko yang
dikenali al-khanz. Semua pungutan atau caruman yang dibayar oleh ahli akan
dimasukkan kedalam tabung tersebut. Tujuan tabung ini<span style="mso-spacerun: yes;"> </span>adalah menyediakan bayaran sebagai bantuan bagi
menolong mana-mana ahli yang terlibat dengan pembunuhan secara tidak segaja
atau untuk menebus tawanan perang muslimin dari pada musuh pada masa itu.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;">Satu lagi skim ialah al-qasamah
berhubung dengan nyawa manusia. Skim ini juga melibatkan usaha mengumpul dana
dalam sebuah tabung dana risiko al-qasamah. Manfaat akan dibayar kepada
waris-waris (ahli peserta) yang dibunuh jika kes pembunuhan itu tidak diketahui
siapa pembunuhnya atau keterangan saksi yang layak untuk benar-benar mengenal
pasti pembunuhnya tidak diperolehi.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;">Skim al muwalah adalah satu skim
tanggungan antara dua sahabat, dimana setiap sahabat berjanji akan menjaga ahli
keluarga sahabat mereka. Jika salah seorang diantara mereka terkorban semasa
keluar berperang. Ini bagi memastikan kebajikan anak-anak dan isteri simati
akan terbela jika berlaku kecelakaan keatas suami mereka.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;">Dalam masyarakt melayu dana khairat
kematian adalah satu contoh sistem takaful yang diuruskan secara tidak sedar
oleh masyarakat melayu hari ini. Ini kerana sistem pengurusan yang tidak sistematik.
Maka melalui sistem pengendali (syarikat takaful) maka sistem ini dapat
diuruskan secara lebih sistematik.</span></div>
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<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjq4XllDbcRjmrrWJTT2NffnYHBL8Bytt7pgeD5QF3_7snKvrF93AktraEVQSLHeJAtERCXmuzir0xcFq4gEFuQYD6uiEPtQ-4m9AfNJb5ylpbp52bAYhmOi4LOph4jL2SrN4W5NOdQBD8o/s1600/pokok.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjq4XllDbcRjmrrWJTT2NffnYHBL8Bytt7pgeD5QF3_7snKvrF93AktraEVQSLHeJAtERCXmuzir0xcFq4gEFuQYD6uiEPtQ-4m9AfNJb5ylpbp52bAYhmOi4LOph4jL2SrN4W5NOdQBD8o/s1600/pokok.jpg" /></a></div>
<div align="center" class="MsoNormal" style="text-align: center;">
<b style="mso-bidi-font-weight: normal;"><span style="color: red; font-size: 18.0pt; line-height: 115%;">PANDUAN
MEMBELI INSURANS NYAWA</span></b></div>
<div class="MsoNormal">
Insurans adalah pemindahan risiko daripada seorang individu
seperti anda, atau syarikat kepada syarikat insurans. Anda atau syarikat anda
akan dikenali pemegang polisi manakala syarikat insurans akan menerima bayaran
daripada anda dalam bentuk premium dan sekiranya anda mengalami sebarang
kerugian atau kerosakan, syarikat insurans akan membayar pampasan.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Akan tetapi konsep insurans dan takaful amat berbeza. Takaful
adalah pemindahan risiko diantara ahli yang menyertai pakatan tabarru. Manakala
syarikat takaful hanyalah wakalah yang menjadi syarikat menguruskan dana risiko
diantara peserta takaful. Oleh itu insurans hayat menjadi <b style="mso-bidi-font-weight: normal;">haram </b>dan takaful keluarga(hayat) <b style="mso-bidi-font-weight: normal;">halal</b>. Akad diatas menyebabkan wujud unsur-unsur gharar, judi dan
riba didalam insurans hayat.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Disini saya akan memceritakan sedikit panduan membeli insurans
nyawa (haram) atau menyertai takaful keluarga (halal). Fungsi insurans hayat
dan takaful adalah hampir sama, manakala kategori produk jug a boleh dikatakan
dalam kategori hampir sama. Dibawah ini saya sertakan serba ringkas beberapa kumpulan
jenis produk yang pembaca boleh jadikan panduan semasa ingin membeli inurans
hayat atau takaful.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="color: red;">Kumpulan Jenis-jenis insurans hayat dan takaful:</span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoListParagraph" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="color: #0070c0; mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><b style="mso-bidi-font-weight: normal;"><span style="color: #0070c0;">Insurans/ takaful bertempoh</span></b></div>
<div class="MsoNormal">
Polisi ini menawarkan perlindungan bagi tempoh terhad
sahaja. Wang manfaat hanya dibayar setelah kematian atau sekiranya anda
mengalami hilang upaya menyeluruh dan kekal sepanjang tempoh polisi. Polisi ini
tiada nilai matang atau dalam bahasa mudah wang simpanan.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoListParagraph" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="color: #0070c0; mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><b style="mso-bidi-font-weight: normal;"><span style="color: #0070c0;">Insurans/takaful hayat seumur hidup</span></b></div>
<div class="MsoNormal">
Polisi ini menawarkan perlindungan sepanjang hayat dan premiumnya
dibayar mengikut sub jenisnya. Akan diterangkan dibawah. Wang manfaatnya, termasuk
apa-apa bonus akan dibayar setelah kematian atau hilang upaya menyeluruh dan
kekal. Ada beberapa sub jenis bagi kumpulan ini.</div>
<div class="MsoListParagraphCxSpFirst" style="margin-left: 1.0in; mso-add-space: auto; mso-list: l2 level1 lfo4; text-indent: -.5in;">
<b style="mso-bidi-font-weight: normal;"><span style="mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;">i)<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><b style="mso-bidi-font-weight: normal;">Insurans/takaful
hayat seumur hidup terhad tidak terjamin: </b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0in; mso-add-space: auto;">
Dimana pengguna dijanjikan tempoh bayaran terhad iaitu bukan seumur hidup
walaupun polisi ini melindungi seumur hidup. Akan tetapi tempoh jaminan ini
tidak terjamin, ia boleh berubah mengikut situasi semasa dan keuntungan
syarikat insurans/takaful keatas produk ini.</div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0in; mso-add-space: auto;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0in; mso-add-space: auto; mso-list: l2 level1 lfo4; text-indent: -.5in;">
<span style="mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;">ii)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;">Insurans/takaful
hayat seumur hidup terhad terjamin:</b> </div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0in; mso-add-space: auto;">
Dimana pengguna dijanjikan tempoh bayaran terhad terjamin iaitu bukan seumur
hidup walaupun polisi in melindungi seumur hidup. <span style="mso-spacerun: yes;"> </span>Syarikat insurans/takaful tidak boleh mengubah
terma ini walaupun situasi semasa dan keuntungan syarikat tidak menentu.</div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0in; mso-add-space: auto;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0in; mso-add-space: auto; mso-list: l2 level1 lfo4; text-indent: -.5in;">
<span style="mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;">iii)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;">Insurans/takaful
hayat seumur hidup dimana pengguna perlu membayar seumur hidup seperti tempoh
polisi tersebut</b>.</div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0in; mso-add-space: auto;">
<br /></div>
<div class="MsoListParagraphCxSpLast" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="color: #0070c0; mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><b style="mso-bidi-font-weight: normal;"><span style="color: #0070c0;">Insurans berkaitan pelaburan (investment-linked)</span></b></div>
<div class="MsoNormal">
Premium anda digunakan untuk membeli perlindungan insurans
hayat dan unit saham di dalam dana yang diuruskan oleh syarikat
insurans/takaful. Harga unit tersebut adalah berasaskan prestasi pelaburan dana
yang diuruskan. Manfaat yang dibayar kepada anda atau penama anda bergantung
kepada harga unit saham pada masa anda menyerahkan polisi atau apabila anda
meninggal dunia. Dana-dana yang dilaburkan ada dana yang halal dan haram. Disini
ada beberapa kategori yang menjadikan produk ini halal ataupun haram.</div>
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<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 86.35pt;" valign="top" width="115">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Insurans/takaful</span></b></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 102.65pt;" valign="top" width="137">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Jenis
pelaburan</span></b></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="top" width="102">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Status
</span></b></div>
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<tr style="mso-yfti-irow: 1;">
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 86.35pt;" valign="top" width="115">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Produk insurans</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 102.65pt;" valign="top" width="137">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">haram</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="top" width="102">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Haram </span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 2;">
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 86.35pt;" valign="top" width="115">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Produk insurans</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 102.65pt;" valign="top" width="137">
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<span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Halal </span></div>
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<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="top" width="102">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Haram </span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 3;">
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 86.35pt;" valign="top" width="115">
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<span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Produk takaful<span style="mso-spacerun: yes;"> </span></span></div>
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<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 102.65pt;" valign="top" width="137">
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<span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Haram </span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="top" width="102">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Haram </span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 4; mso-yfti-lastrow: yes;">
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 86.35pt;" valign="top" width="115">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Produk takaful</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 102.65pt;" valign="top" width="137">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Halal </span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="top" width="102">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">Halal </span></div>
</td>
</tr>
</tbody></table>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Kenapa saya menjelaskan diatas kerana ramai agen-agen yang
menjual produk insurans mendakwa produk mereka halal apabila produk insurans
dilaburkan di dana yang halal. Maka disini anda perlu berhati-hati semasa ingin
membeli<span style="mso-spacerun: yes;"> </span>produk seperti<span style="mso-spacerun: yes;"> </span>ini.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Manakala satu lagi perkara besar yang anda perlu tahu bawah
kos insurans/takaful sentiasa naik mengikut kenaikan umur anda. Ini bermaksud
bahawa kos insurans/takaful bagi produk jenis ini akan naik mengikut kenaikan
umur pembeli tidak seperti jenis-jenis produk lain yang kekal. Mengikut situasi
ini anda tidak tahu kerana kenaikan kos akan dilupuskan dari dana pelaburan
anda setiap masa. Apabila dana dalam pelaburan anda tidak mengcukupi bagi
menampung kos kenaikan, pada masa itu pihak syarikat akan meminta anda membayar
tambahan bulanan selepas itu. Kes seperti ini banyak terjadi pada tahun 1997 –
2002 dimana banyak syarikat insurans meminta pelanggan mereka membayar lebih. Oleh
itu pastikan anda betul -betul memahami ciri-ciri produk berkaitan pelaburan
sebelum anda ingin membeli produk ini kerana kelak anda yang akan terperangkap. </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoListParagraph" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="color: #0070c0; mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><b style="mso-bidi-font-weight: normal;"><span style="color: #0070c0;">Insurans/takaful endowmen</span></b></div>
<div class="MsoNormal">
Polisi ini mengabungkan perlindungan dan tabungan. Wang manfaat
akan dibayar pada ahkir tempoh yang ditetapkan berikutan kematian atau jika
anda mengalami hilang upaya menyeluruh dan kekal. Sekiranya anda masih hidup
apabila polisi matang. Anda akan mendapat wang matang (simpanan) berkenaan;
jika sebaliknya wang itu akan diberi kepada penama anda.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoListParagraph" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="color: #0070c0; mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;">5.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><b style="mso-bidi-font-weight: normal;"><span style="color: #0070c0;">Pelan anuiti</span></b></div>
<div class="MsoNormal">
Pelan anuiti adalah seperti pelan KWSP tetapi dikendalikan
oleh syarikat insurans/takaful. <span style="mso-spacerun: yes;"> </span>Bayaran pencen
ini dibayar kepada anda sehingga anda meninggal dunia. Terdapat dua jenis
anuiti iaitu anuiti serta merta dan anuiti tertunda.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="color: #0070c0; mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;">6.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><b style="mso-bidi-font-weight: normal;"><span style="color: #0070c0;">Perlindungan tambahan rider (tunggu ulasan detail)</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l3 level1 lfo2; text-indent: -.25in;">
<span style="mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;">a)<span style="font: 7.0pt "Times New Roman";"> </span></span></span>Manfaat
hospital</div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l3 level1 lfo2; text-indent: -.25in;">
<span style="mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;">b)<span style="font: 7.0pt "Times New Roman";"> </span></span></span>Kemalangan
</div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0in; mso-add-space: auto; mso-list: l1 level1 lfo3; text-indent: -.5in;">
<span style="mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;">i)<span style="font: 7.0pt "Times New Roman";">
</span></span></span>Kemalangan asas</div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0in; mso-add-space: auto; mso-list: l1 level1 lfo3; text-indent: -.5in;">
<span style="mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;">ii)<span style="font: 7.0pt "Times New Roman";">
</span></span></span>Kemalangan komprehensif</div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l3 level1 lfo2; text-indent: -.25in;">
<span style="mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;">c)<span style="font: 7.0pt "Times New Roman";"> </span></span></span>Penyakit
kritikal</div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l3 level1 lfo2; text-indent: -.25in;">
<span style="mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;">d)<span style="font: 7.0pt "Times New Roman";"> </span></span></span>Pengecualian
pembayar</div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l3 level1 lfo2; text-indent: -.25in;">
<span style="mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;">e)<span style="font: 7.0pt "Times New Roman";"> </span></span></span>Medical
card</div>
<div class="MsoListParagraphCxSpLast" style="mso-list: l3 level1 lfo2; text-indent: -.25in;">
<span style="mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;">f)<span style="font: 7.0pt "Times New Roman";"> </span></span></span>Faedah
pendapatan keluarga</div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-512630677003217549.post-56315054732060340102012-08-06T00:08:00.000-07:002012-08-06T00:08:53.498-07:00<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiIHtjUzPw0XhrNCTCWXcMfgqqyzBWBLNL1clD7UtDyfxURo3LD3Pjah6dYMjdWtA9UvMpk2J2N6LqZIq2wm5pV9EpZwBfsfzKS2dKD7pXPWKSCmMGLLW2XVUKcgj69ffIVt-QkMxoE3ul8/s1600/retired.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiIHtjUzPw0XhrNCTCWXcMfgqqyzBWBLNL1clD7UtDyfxURo3LD3Pjah6dYMjdWtA9UvMpk2J2N6LqZIq2wm5pV9EpZwBfsfzKS2dKD7pXPWKSCmMGLLW2XVUKcgj69ffIVt-QkMxoE3ul8/s1600/retired.jpg" /></a></div>
<br />
<div class="MsoNormal" style="line-height: 200%; margin-left: .5in; text-align: justify;">
<b style="mso-bidi-font-weight: normal;">TIP-TIP DALAM PERANCANGAN PERSARAAN</b></div>
<br /><div class="MsoNormal" style="line-height: normal; margin-left: .5in; text-align: justify;">
<br /></div>
<div class="MsoListParagraph" style="line-height: normal; margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo2; text-align: justify; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><b style="mso-bidi-font-weight: normal;">MULAI
DARIPADA AWAL</b></div>
<div class="MsoNormalCxSpFirst" style="line-height: normal; margin-left: .5in; mso-add-space: auto; text-align: justify;">
Lebih awal anda menyimpan duit, lebih
banyak masa wang anda akan bertambah. Tetapkan masa yang diperlukan. Jadikan
wang simpanan untuk persaraan sebagai keutamaan. Buat perancangan dan patuhi
perancangan tersebut. Tetapkan matlamat bagi perancangan persaraan untuk diri
anda sendiri.</div>
<div class="MsoNormalCxSpLast" style="line-height: normal; margin-left: .5in; mso-add-space: auto; text-align: justify;">
<br /></div>
<div class="MsoListParagraph" style="line-height: normal; margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo2; text-align: justify; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><b style="mso-bidi-font-weight: normal;">ELAK
RISIKO YANG TINGGI TERHADAP WANG PERSARAAN</b></div>
<div class="MsoNormalCxSpFirst" style="line-height: normal; margin-left: .5in; mso-add-space: auto; text-align: justify;">
Defisit boleh terjadi akibat tidak
mempunyai tabungan yang mencukupi semasa bekerja atau terlalu konservatif
dengan pelaburan anda. Apabila melabur dengan terlalu berhati-hati, anda
mengalami risiko kekurangan duit apabila bersara nanti.</div>
<div class="MsoNormalCxSpLast" style="line-height: normal; margin-left: .5in; mso-add-space: auto; text-align: justify;">
<br /></div>
<div class="MsoListParagraph" style="line-height: normal; margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo2; text-align: justify; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><b style="mso-bidi-font-weight: normal;">RANCANG
UNTUK KEPERLUAN JANGKA PANJANG</b></div>
<div class="MsoNormal" style="line-height: normal; margin-left: .5in; mso-add-space: auto; text-align: justify;">
Anda perlu merancang untuk menghadapi kerugian bukan
pasaran, yang disebabkan oleh factor seperti penjagaan kesihatan dan keperluan
jangka panjang, seperti menunaikan haji bagi orang beragama Islam.</div>
<div class="MsoListParagraphCxSpFirst" style="line-height: normal; margin-left: .75in; mso-add-space: auto; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpLast" style="line-height: normal; margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo2; text-align: justify; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><b style="mso-bidi-font-weight: normal;">JANGKAAN
HAYAT ANDA</b></div>
<div class="MsoNormalCxSpFirst" style="line-height: normal; margin-left: .5in; mso-add-space: auto; text-align: justify;">
Semua yang hidup pasti akan mati, itu
satu hakikat yang tidak dapat dinafikan. Purata rakyat Malaysia adalah 73
tahun. Daripada statistik ini anda dapat mensasarkan jangka hayat kehidupan
anda. Pastikan keperluan anda akan meliputi jangkaan usia tersebut, walaupun
sekiranya usia anda lebih panjang daripada apa yang anda jangkakan.</div>
<div class="MsoNormalCxSpLast" style="line-height: normal; margin-left: .5in; mso-add-space: auto; text-align: justify;">
<br /></div>
<div class="MsoListParagraph" style="line-height: normal; margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo2; text-align: justify; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;">5.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><b style="mso-bidi-font-weight: normal;"><span style="mso-spacerun: yes;"> </span>BELANJAWAN APABILA PERSARAAN</b></div>
<div class="MsoNormalCxSpFirst" style="line-height: normal; margin-left: .5in; mso-add-space: auto; text-align: justify;">
Sesetengah perbelanjaan semasa persaraan
mungkin lebih kurang daripada perbelanjaan sekarang. Cukai-cukai yang perlu
dibayar seharusnya telah berkurangan. Pada umumnya, pinjaman dan gadai janji
telah dilangsaikan supaya bayaran pinjaman rumah berkurangan.</div>
<div class="MsoNormalCxSpMiddle" style="line-height: normal; margin-left: .5in; mso-add-space: auto; text-align: justify;">
Perbelanjaan berkaitan pekerjaan seperti
pengangkutan, pakaian dan sebagainya juga telah berkurangan. Bayaran bil
utility, makanan, hadiah, sumbangan, kereta dan insurans harta benda akan
meningkat selaras dengan sebarang kenaikan yang berlaku. Perbelanjaan kesihatan
dan insurans kesihatan akan meningkat.</div>
<div class="MsoNormalCxSpMiddle" style="line-height: normal; margin-left: .5in; mso-add-space: auto; text-align: justify;">
Kos untuk membuat perjalanan, bercuti
dan berhibur akan meningkat kerana masa lapang yang banyak apabila bersara.</div>
<div class="MsoNormalCxSpLast" style="line-height: normal; margin-left: .5in; mso-add-space: auto; text-align: justify;">
<br /></div>
<div class="MsoListParagraph" style="line-height: normal; margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo2; text-align: justify; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;">6.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><b style="mso-bidi-font-weight: normal;">BERHATI-HATI
MEMINJAMKAN WANG</b></div>
<div class="MsoNormalCxSpFirst" style="line-height: normal; margin-left: .5in; mso-add-space: auto; text-align: justify;">
Jangan mudah meminjamkan wang kepada
rakan dan keluarga. Katakan bahawa penasihat kewangan anda tidak membenarkan
anda meminjamkan wang. </div>
<div class="MsoNormalCxSpLast" style="line-height: normal; margin-left: .5in; mso-add-space: auto; text-align: justify;">
<br /></div>
<div class="MsoListParagraph" style="line-height: normal; margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo2; text-align: justify; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;">7.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><b style="mso-bidi-font-weight: normal;">ANGGARKAN
JUMLAH YANG BOLEH DIKELUARKAN</b></div>
<div class="MsoNormalCxSpFirst" style="line-height: normal; margin-left: .5in; mso-add-space: auto; text-align: justify;">
Tetapkan kadar pengeluaran tahunan wang
persaraan. Ini merupakan perkara penting dalam perancangan kewangan persaraan.
Berhati-hati agar tidak mengeluarkan jumlah peratusan yang sama dengan anggaran
pulangan pelaburan.</div>
<div class="MsoNormalCxSpLast" style="line-height: normal; margin-left: .5in; mso-add-space: auto; text-align: justify;">
<br /></div>
<div class="MsoListParagraph" style="line-height: normal; margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo2; text-align: justify; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;">8.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><b style="mso-bidi-font-weight: normal;">RANCANG
KESAN CUKAI DAN INFLASI</b></div>
<div class="MsoNormalCxSpFirst" style="line-height: normal; margin-left: .5in; mso-add-space: auto; text-align: justify;">
Inflasi boleh mengurangkan nilai
pelaburan anda kerana cukai yang dikenakan terhadap pulangan pelaburan. Secara
purata inflasi pada kadar 3 peratus setahun sejak beberapa dekad. Ini mungkin
tidak terlalu banyak, namun cuba bayangkan jika nilai RM100,000 pada hari ini
hanya bernilai RM74,000 dalam tempoh 10 tahun pada kadar inflasi 3 peratus
setahun.</div>
<div class="MsoNormalCxSpMiddle" style="line-height: normal; margin-left: .5in; mso-add-space: auto; text-align: justify;">
Dapatkan khidmat penasihat kewangan
professional atau perunding percukaian bagi mendapatkan nasihat yang khusus
tentang kedudukan anda.</div>
<div class="MsoNormalCxSpMiddle" style="line-height: normal; margin-left: .5in; mso-add-space: auto; text-align: justify;">
Realistik – Punca pendapat semasa
persaraan adalah pencen, simpanan KWSP, faedah simpanan tetap, dividen daripada
saham syarikat (atau unit amanah) dan jumlah wang yang diterima daripada polisi
insurans yang telah matang.</div>
<div class="MsoNormalCxSpLast" style="line-height: normal; margin-left: .5in; mso-add-space: auto; text-align: justify;">
<br /></div>
<div class="MsoListParagraph" style="line-height: normal; margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo2; text-align: justify; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;">9.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><b style="mso-bidi-font-weight: normal;">TABUNG
KECEMASAN</b></div>
<div class="MsoNormalCxSpFirst" style="line-height: normal; margin-left: .5in; mso-add-space: auto; text-align: justify;">
Wujudkan tabung kecemasan yang tersedia
wang di dalamnya, sekiranya anda memerlukan wang dengan segera. Ini bagi
mengelak daripada anda mengambil wang daripada dana persaraan apabila berlaku
keperluan yang mendesak.</div>
<div class="MsoNormalCxSpLast" style="line-height: normal; margin-left: .5in; mso-add-space: auto; text-align: justify;">
<br /></div>
<div class="MsoListParagraph" style="line-height: normal; margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo2; text-align: justify; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="mso-bidi-font-family: Calibri;"><span style="mso-list: Ignore;">10.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><b style="mso-bidi-font-weight: normal;">UKUR
RUMAH PADA SAIZ KELUARGA</b></div>
<div class="MsoNormalCxSpFirst" style="line-height: normal; margin-left: .5in; mso-add-space: auto; text-align: justify;">
Fikirkan untuk berpindah ke rumah yang
lebih kecil dan lebih rendah harganya, kerana anda tidak memerlukan ruangan
yang besar kerana anak-anak anda telah tidak tinggal bersama. Wang lebihan
penjualan rumah lama dengan pembelia rumah yang baru ini boleh digunakan untuk
keperluan yang lain.<span style="mso-spacerun: yes;"> </span></div>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-512630677003217549.post-18161745268270101302012-07-31T19:04:00.000-07:002012-07-31T19:04:06.409-07:00<b>*** TAHNIAH DAPAT DUIT RAYA LAGI ***</b><br /><br />Public Mutual mengumumkan pengagihan untuk 10 dana<br />Anak syarikat milik penuh Public Bank, Public Mutual, mengumumkan pengagihan<br />untuk 10 dana. Jumlah pengagihan kasar yang diumumkan bagi tahun kewangan<br />berakhir pada <b>31 Julai 2012 </b>adalah seperti berikut:<br /><br />
<br />
<br />
<b>Dana Pengagihan Kasar / Unit</b><br />Public Dana Growth 3.00 sen seunit<br />Public Dana Australia Equity 0.50 sen seunit<br />Public Dana Optimal Growth 1.25 sen seunit<br />Public Dana Far-East Property & Resorts 0.50 sen seunit<br /><i><b>Public Dana Islamic Opportunities 2.25 sen seunit</b></i><br /><i><b>Public Dana Islamic Select Enterprises 2.00 sen seunit</b></i><br />Public Dana Bond 5.25 sen seunit<br /><i><b>Public Dana Islamic Select Bond 5.00 sen seunit</b></i><br />Public Dana Islamic Income 3.50 sen seunit<br />PBB Dana MTN 1 4.00 sen seunit<br />
<br />Public Dana Islamic Opportunities bermatlamat untuk mencapai pertumbuhan<br />modal melalui pelaburan di dalam syarikat-syarikat yang mempunyai pemodalan<br />pasaran kecil yang mematuhi prinsip Syariah.<br />
<br />
Public Dana Islamic Select Enterprises bertujuan untuk mencapai pertumbuhan modal melalui pelaburan<br />
di dalam 50 syarikat terbesar dari segi pemodalan pasaran yang tersenarai di Bursa Securities serta mematuhi kehendak Syariah.<br />
<br />Public Mutual merupakan syarikat unit amanah swasta yang terbesar di Malaysia<br />dengan menguruskan sebanyak 94 dana. Syarikat tersebut mempunyai seramai lebih<br />2.7 juta pemegang akaun. Pada 29 Jun 2012, jumlah nilai aset bersih dana yang<br />diuruskan oleh syarikat tersebut adalah sebanyak RM48.6 bilion.Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-512630677003217549.post-73087056647297444032012-07-13T03:51:00.001-07:002012-07-13T03:53:41.684-07:00PRISTIN<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgh3O40Dm_K3RY3ZU9Iv0WE27xEJFSCYUSVjGggkOresBXGV5ZuErR2yQhqsTklQ6kXvSiv8LT6cn8KvsfD9iYZX0ozRAJgIBTePy1AyLkyH6BBmhtq5k43rxrL_ZN6UMOcqdRcXV2gp8rF/s1600/banner_pristin.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="109" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgh3O40Dm_K3RY3ZU9Iv0WE27xEJFSCYUSVjGggkOresBXGV5ZuErR2yQhqsTklQ6kXvSiv8LT6cn8KvsfD9iYZX0ozRAJgIBTePy1AyLkyH6BBmhtq5k43rxrL_ZN6UMOcqdRcXV2gp8rF/s320/banner_pristin.jpg" width="320" /></a></div>
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<br />
<table border="0" cellpadding="3" cellspacing="0" style="width: 700px;"><tbody>
<tr><td style="color: #ffbf00; font-size: 16px; font-weight: bold;"><br /></td></tr>
<tr>
<td><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="color: #ffc000; font-family: "Times New Roman","serif"; font-size: 12pt;">Take One Simple Step Towards Savings That Lets You Enjoy The
Life</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12pt;"> </span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="color: #ffc000; font-family: "Times New Roman","serif"; font-size: 12pt;">That You Planned</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">
</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12pt;">If you’re worried about putting your
money away and not seeing any of it </span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12pt;">for a while, then rest easy. Start
saving with Pristin, you’ll see that the </span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12pt;">returns are just around the corner.
</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="color: #ffc000; font-family: "Times New Roman","serif"; font-size: 12pt;">See Your Money Grow With Pristin </span></b></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Pristin is a Takaful plan that
provides regular annual returns for the </span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12pt;">next 20 years. The annual cash payment
will range from 5% - 10% </span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12pt;">of the Basic Annual Contribution, so
you can be assured that your</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12pt;"> money is working hard for you. Pristin lets
you live life to the fullest</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12pt;"> and enjoy peace of mind knowing that you’re
protected and will </span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12pt;">receive annual cash payments to
supplement your lifestyle. </span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="color: #ffc000; font-family: "Times New Roman","serif"; font-size: 12pt;">Who is Eligible? </span></b></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Person Covered</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">: Anyone between the age of 14 days to 60 years old. </span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">Participant</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">: Anyone between the age of 18 to 60 years old. </span></div>
</td></tr>
<tr>
<td>Key Benefits Offered by Pristin
<br />
<table border="0" cellpadding="3" cellspacing="1"><tbody>
<tr>
<td align="left" style="background-color: #ffe400; border-bottom: #cccccc 1px solid; border-left: #cccccc 1px solid; border-right: #cccccc 1px solid; border-top: #cccccc 1px solid;" valign="top"><b>Death Benefit</b></td>
<td style="border-bottom: #cccccc 1px solid; border-left: #cccccc 1px solid; border-right: #cccccc 1px solid; border-top: #cccccc 1px solid;">In
the event of Death of the Person Covered, the amount of Sum Covered
plus all accumulated value in Participant’s Investment Fund (PIF),
including any profit from its investment (if any) less any indebtedness
shall be payable in one lump sum.</td>
<td rowspan="5" valign="bottom"><img border="o" src="http://www.etiqa.com.my/English/Takaful/Products/Personal/Saving/PublishingImages/image_pristin.jpg" /></td></tr>
<tr>
<td align="left" style="background-color: #ffe400; border-bottom: #cccccc 1px solid; border-left: #cccccc 1px solid; border-right: #cccccc 1px solid; border-top: #cccccc 1px solid;" valign="top"><b>Total And Permanent Disability (TPD) Benefit</b></td>
<td style="border-bottom: #cccccc 1px solid; border-left: #cccccc 1px solid; border-right: #cccccc 1px solid; border-top: #cccccc 1px solid;">Upon
TPD of the Person Covered before the age of 65 years old, the amount of
Sum Covered plus all accumulated value in PIF, including any profit
from its investment (if any) shall be payable.<br />
<br />
If the aggregate
Sum Covered payable (per person covered) is up to RM1 million, it shall
be paid in one lump sum. Should the Sum Covered be more than RM1
million, then the balance of Sum Covered shall be payable one (1) year
after the first payment was made, subject to the terms and conditions
stated in the certificate contract.</td></tr>
<tr>
<td align="left" style="background-color: #ffe400; border-bottom: #cccccc 1px solid; border-left: #cccccc 1px solid; border-right: #cccccc 1px solid; border-top: #cccccc 1px solid;" valign="top"><b>Terminal Illness Benefit</b></td>
<td style="border-bottom: #cccccc 1px solid; border-left: #cccccc 1px solid; border-right: #cccccc 1px solid; border-top: #cccccc 1px solid;">Upon
diagnosis of the Terminal Illness of the Person Covered during the
Takaful period due to natural or accidental causes, the amount payable
is equivalent to the amount of Sum Covered plus accumulated value in
PIF, if any.<br />
<br />
Terminal Illness is defined as a conclusive
diagnosis of a condition that is expected to result in death of the
Person Covered within 12 months. The Person Covered must no longer be
receiving active treatment other than that for pain relief. The
diagnosis must be supported by written confirmation from the appropriate
specialist and confirmed by the Company’s appointed doctor.</td></tr>
<tr>
<td align="left" style="background-color: #ffe400; border-bottom: #cccccc 1px solid; border-left: #cccccc 1px solid; border-right: #cccccc 1px solid; border-top: #cccccc 1px solid;" valign="top"><b>Maturity Benefit</b></td>
<td style="border-bottom: #cccccc 1px solid; border-left: #cccccc 1px solid; border-right: #cccccc 1px solid; border-top: #cccccc 1px solid;">Upon
completion of the Certificate tenure by the surviving Person Covered,
the accumulated value in PIF including PIF profit and Participant’s Risk
Fund (PRF) surpluses, if any, that have been allocated to the
Participant shall be payable.</td></tr>
<tr>
<td align="left" style="background-color: #ffe400; border-bottom: #cccccc 1px solid; border-left: #cccccc 1px solid; border-right: #cccccc 1px solid; border-top: #cccccc 1px solid;" valign="top"><b>Annual Cash Payment</b></td>
<td style="border-bottom: #cccccc 1px solid; border-left: #cccccc 1px solid; border-right: #cccccc 1px solid; border-top: #cccccc 1px solid;">A
Fixed Annual Cash Payment based on the percentage of Basic Annual
Contribution* is payable throughout the Certificate duration of 20
years.<br />
<br />
<table align="center" border="0" cellpadding="3" cellspacing="0">
<tbody>
<tr>
<td align="center" style="border-bottom: #ffe400 1px solid; border-top: #ffe400 1px solid;">Certificate<br />
Year</td>
<td align="center" style="border-bottom: #ffe400 1px solid; border-top: #ffe400 1px solid;">Annual Cash Payment<br />
(% of Basic Annual Contribution* Paid)</td></tr>
<tr>
<td align="center">Year 1 – 5</td>
<td align="center">5%</td></tr>
<tr>
<td align="center" style="border-bottom: #ffe400 1px solid;">Year 6 – 20</td>
<td align="center" style="border-bottom: #ffe400 1px solid;">10%</td></tr>
</tbody></table>
<i><br /></i></td></tr>
</tbody></table>
</td><td><br /></td></tr>
<tr>
<td style="color: #777777; font-size: 14px; font-weight: bold;"><br /></td><td style="color: #777777; font-size: 14px; font-weight: bold;"></td><td style="color: #777777; font-size: 14px; font-weight: bold;"></td><td style="color: #777777; font-size: 14px; font-weight: bold;"></td><td style="color: #777777; font-size: 14px; font-weight: bold;"><br /></td></tr>
<tr>
<td></td></tr>
<tr><td></td></tr>
<tr>
<td><br /></td></tr>
<tr>
<td style="color: #777777; font-size: 14px; font-weight: bold;"><div class="MsoNormal">
<span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 115%;">Contribution
With an affordable contribution amount, you can participate in </span></div>
<div class="MsoNormal">
<span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 115%;">Pristin
and enjoy all the benefits offered by the plan. You also have the option </span></div>
<div class="MsoNormal">
<span style="font-family: "Times New Roman","serif"; font-size: 12pt; line-height: 115%;">to pay the
contribution on a monthly, quarterly, half yearly or annual basis.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
JANGAN TUNGGU LAGI. DAPATKAN SEKARANG DENGAN PERUNDING </div>
<div class="MsoNormal">
PROFESIONAL ANDA </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
SALLEH
TAHIR -012 30 222 05</div>
</td></tr>
<tr>
<td><br /></td></tr>
<tr>
<td><br /></td></tr>
<tr>
<td><br /></td></tr>
<tr>
<td style="color: #777777; font-size: 14px; font-weight: bold;"><br /></td></tr>
<tr>
<td><br /></td></tr>
<tr>
<td style="color: #777777; font-size: 14px; font-weight: bold;"><br /></td></tr>
<tr>
<td><br /></td></tr>
<tr>
<td><br /></td></tr>
</tbody></table>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-512630677003217549.post-90547547187311876782012-07-12T05:00:00.000-07:002012-07-12T05:00:56.194-07:00Mengurus Hutang<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEifiSS_J7rLyUMmuHcAmlSDJts4JpncCyx_4saCFccICKO0zNNK8q1NHJ0FvSVAMPsWgfTct-X1PywggP1XfXbAPwmEN1ZcxprypGKUsJAc9J8JPR3hZd-xVZLU_rdqGWsHO31eTug0nHWE/s1600/Image+%2814%29.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="175" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEifiSS_J7rLyUMmuHcAmlSDJts4JpncCyx_4saCFccICKO0zNNK8q1NHJ0FvSVAMPsWgfTct-X1PywggP1XfXbAPwmEN1ZcxprypGKUsJAc9J8JPR3hZd-xVZLU_rdqGWsHO31eTug0nHWE/s320/Image+%2814%29.jpg" width="320" /></a></div>
<br />Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-512630677003217549.post-78948897621135830332010-12-13T22:41:00.000-08:002010-12-13T22:41:08.898-08:00Etiqa Takaful Bhd grew by 32 per cent for the 2009/2010 financial year to RM2.4 billion<div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEggvSLZfCOPi1vn0uNf6gTs_GeUJ92mJyrwistZVF9sBoFXAPqc0InzZ44d6tpjOWETNabbooqMex47RwYnoYkXqAYu73FjhQFs7TNzY4-6Gef5kTjBND6y-1hLCiyPE0R4aaZ1HGdCP3yy/s1600/pix_topright.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEggvSLZfCOPi1vn0uNf6gTs_GeUJ92mJyrwistZVF9sBoFXAPqc0InzZ44d6tpjOWETNabbooqMex47RwYnoYkXqAYu73FjhQFs7TNzY4-6Gef5kTjBND6y-1hLCiyPE0R4aaZ1HGdCP3yy/s1600/pix_topright.jpg" /></a></div><div style="background-color: transparent; border: medium none; color: black; overflow: hidden; text-align: left; text-decoration: none;">Etiqa Takaful Bhd grew its total premium by 32 per cent for the 2009/2010 financial year to RM2.4 billion, thanks to strong performance across all business channels and innovation in business operations and processes.<span><br />
</span><a href="http://www.btimes.com.my/Current_News/BTIMES/articles/petiq/Article/#ixzz1846maDIn" style="color: #003399;"><br />
</a><div><div style="background-color: transparent; border: medium none; color: black; overflow: hidden; text-align: left; text-decoration: none;">This makes it the first takaful operator to breach the RM2 billion mark.<br />
<br />
The company<span id="adv_hiliteText" style="border-bottom: 1px dashed rgb(0, 102, 204); cursor: pointer;"> saw </span>profit before tax grow by 18 per cent to RM107 million, from RM90 million in the 2008/2009 financial year.<span id="advholder" name="advholder"><div id="advstrip" style="line-height: normal; margin: 5px 0px 0px; width: 459px;"><table cellpadding="0" cellspacing="0" style="background-color: #eeeeee; border: 1px solid rgb(204, 204, 204); height: 23px; line-height: 10px; margin: 0px; width: 459px;"><tbody>
<tr><td style="border: 0px none; padding: 0px; vertical-align: middle;"><span id="adv_striptext" style="cursor: default;"><span style="font-family: Arial,Helvetica,sans-serif; font-size: 11px; font-weight: normal; line-height: normal; margin: 0px 3px;"><strong><br />
</strong></span></span></td><td style="border: 0px none; padding: 0px;" width="23"><br />
</td></tr>
</tbody></table></div></span><br />
<br />
"Since the Etiqa brand was launched two-and-a-half years ago, we have been experiencing tremendous growth year after year. Surpassing the RM2 billion mark in total revenue last financial year just reaffirms Etiqa Takaful's leadership and pole position in the Takaful market and industry," Etiqa Takaful chief executive officer Shahril Azuar Jimin said in a statement yesterday.<br />
<br />
During the same financial year, Etiqa Takaful's total assets grew 16 per cent.<span><br />
<br />
<a href="http://www.btimes.com.my/Current_News/BTIMES/articles/petiq/Article/#ixzz1847Ix2Bc" style="color: #003399;"><br />
</a></span></div><div><div style="background-color: transparent; border: medium none; color: black; overflow: hidden; text-align: left; text-decoration: none;">Gross contribution for the family business recorded an increase of 30 per cent while the general business saw an increase of 40 per cent.<br />
<br />
Shahril said the company's strength is in its multi-channel organisation.<br />
<br />
Etiqa Takaful has 23,000 agents and 30 branches nationwide, together with parent company Maybank's 450 branches around Malaysia and other third-party banks.<br />
<br />
As of March, Etiqa commanded 44 per cent of the entire Malaysian Takaful market, in a field of eight Takaful operators. <br />
<br />
The growth in its motor business was attributed to a transformation in the new motor business process, making it simpler and easier for customers to get their motor coverage.<br />
<br />
Etiqa Takaful was recently awarded the 'Most Outstanding Takaful Company' at the Kuala Lumpur Islamic Finance Forum 2010, winning it for the third year in a row since 2008. <center> <table cellpadding="0" cellspacing="3"><tbody>
<tr><td class="caps"> </td></tr>
</tbody></table></center><span><br />
</span></div></div></div></div></div>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-512630677003217549.post-56923520285441885082010-11-22T02:31:00.000-08:002010-11-22T02:33:35.450-08:00Kelemahan Pengurusan Risiko<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjznr_nAy5erDUZi8t3ZbnbpOzJGAbtUl6sGEHeMeX_SNUnVEJRvU6o6VaQUI4bSG7I5usq5-3142pVq6Bqq7fsqGJKax4Q12E6Zz5wqFA68dsSABw0vhl-WeJxwSXN52tjkOxzrui_H7xW/s1600/nisbah+hutang.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="202" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjznr_nAy5erDUZi8t3ZbnbpOzJGAbtUl6sGEHeMeX_SNUnVEJRvU6o6VaQUI4bSG7I5usq5-3142pVq6Bqq7fsqGJKax4Q12E6Zz5wqFA68dsSABw0vhl-WeJxwSXN52tjkOxzrui_H7xW/s320/nisbah+hutang.jpg" width="320" /></a></div><br />
<br />
<br />
<br />
Berita Harian: 22 Nov 2010<br />
<br />
<b>Ramai hutang kad kredit, bank untuk jelas kos perubatan swasta tinggi</b> <br />
<br />
KUALA LUMPUR: Penggunaan kad kredit atau pinjaman bank untuk membayar kos perubatan yang tinggi di hospital swasta kini menjadi punca utama kegagalan pembayaran balik pinjaman bank dan kad kredit oleh individu. <br />
<div class="adisland"><noscript>&amp;lt;a href="http://bs.serving-sys.com/BurstingPipe/BannerRedirect.asp?FlightID=1909107&amp;amp;Page=&amp;amp;PluID=0&amp;amp;Pos=8281" target="_blank"&amp;gt;&amp;lt;img src="http://bs.serving-sys.com/BurstingPipe/BannerSource.asp?FlightID=1909107&amp;amp;Page=&amp;amp;PluID=0&amp;amp;Pos=8281" border=0 width=400 height=200&amp;gt;&amp;lt;/a&amp;gt;</noscript> </div>Mengikut Agensi Kaunseling dan Pengurusan Kredit (AKPK), RM4.8 bilion hutang tidak berbayar (NPL) membabitkan 50,361 individu, mendapati pembiayaan kos rawatan dan perubatan yang tinggi ketika ini mendorong individu untuk berhutang sehingga di luar kemampuan. <br />
<br />
“Setakat Oktober lalu, 26 peratus kegagalan pembayaran balik pinjaman langsung bank atau kad kredit yang dirujuk kepada AKPK adalah perbelanjaan perubatan tinggi disebabkan kos sara hidup semakin meningkat. <br />
<br />
Beliau berkata, selain kos perubatan tinggi, punca lain yang dirujuk kepada agensi itu ialah kelemahan pengurusan kewangan (25 peratus), kegagalan perniagaan (13 peratus), kehilangan pekerjaan (12 peratus), manakala dua peratus akibat kegagalan pelaburan. <br />
<br />
Penggunaan kad kredit tidak terkawal pula, katanya, hanya mewakili 15 peratus. <br />
Katanya, hampir 70 peratus kes gagal membayar balik pinjaman itu adalah membabitkan penggunaan kad kredit, manakala 30 peratus lagi pinjaman peribadi serta sewa beli. <br />
<br />
<span id="note"></span><br />
<div class="artkom"><h3>Senarai komen</h3><div class="rowkom"><div class="ide"><b><i><span class="prnem">muhammad muslim</span></i></b></div><div class="iko">sbb itu pentingnya syarikat2 takaful di malaysia ini. merancang kewangan masa depan. Jgn dah jatuh baru tergadai semuanya.</div><div class="iko"></div></div><div class="rowkom"><div class="ide"><b><i><span class="prnem">muhammad muslim</span></i></b></div><div class="iko">kenapa perlu bayar lebih semasa sakit. bukankah kita perlu merancang apa yg terjadi di masa hadapan. </div><div class="iko"></div></div><div class="rowkom"><div class="ide"><b><i><span class="prnem">nurain balqhis noordin</span></i></b></div><div class="iko">untuk perkara yg ini tidak terjadi...sediakan perlindungan dgn menyediakan medical card</div></div><div class="rowkom"><div class="ide"></div><div class="ide"><b><i><span class="prnem">Rain</span></i></b></div><div class="iko">guna debit card saja.</div></div><div class="rowkom"><div class="ide"></div><div class="ide"><b><i><span class="prnem">Detective</span></i></b></div><div class="iko">kebanyakan kos hospital swasta terlalu mahal, lagi2 kalau ada penal syarikat..so terpaksa la guna kad kredit dahulu...diharap pihak berkuasa pantau kos rawatan dahulu..bukannya harga barang je kena dipantau.</div></div><div class="rowkom"><div class="ide"></div><div class="ide"><i><b><span class="prnem">mohd azim</span></b></i></div><div class="iko">salam... <br />
kte seharusnye berbelanja mengikut kemampuan... <br />
Guna Hospital kerajaan, jauh lebih murah... tetapi dapat menjimatan wang... </div></div><div class="rowkom"><div class="ide"></div></div><div class="rowkom"></div><div class="rowkom"><br />
</div><div class="rowkom"><div class="ide"><b><i><span class="prnem">Shah</span></i></b></div><div class="iko">Ambil medical card + investment. <br />
company insurance yg bayarkan. berbaloi-baloi.</div></div><div class="rowkom"><div class="ide"></div><div class="ide"><b><i><span class="prnem">fadzil</span></i></b></div><div class="iko">Rakyat Malaysia jgn terlalu selesa dgn keadaan sekarang..kos inflasi bil hospital meningkat 15% - 30% setiap tahun..Malaysia satu2nya negara yg masih beri subsidi penghospitalan pada rakyat..andaikata kerajaan pun dah tak mampu nak tanggung subsidi RM4billion setahun nie...semua org kena ada medikal kad untuk dpt rawatan hospital...</div></div><div class="rowkom"><div class="ide"></div></div><div class="rowkom"><div class="ide"><b><i><span class="prnem">farid</span></i></b></div><div class="iko">biar papa asalkan bergaya</div></div><div class="rowkom"><div class="ide"></div><div class="ide"><b><i><span class="prnem">iman</span></i></b></div><div class="iko">ermm..berjimat la korang..klu rse ade cash tu gune cash jer..kan da susah..hospital swasta pon caj mahal yg amat...patient baru masok satu ari xsempat nk bernafas pon da mintak deposit...aduyaiii..seminggu duduk spital da rm15 ribu....naye...</div></div><div class="rowkom"><div class="ide"></div></div><div class="rowkom"><div class="ide"><b><i><span class="prnem">norlaila</span></i></b></div><div class="iko">kenapa lah rakyat suka sgt pimjam kad kredit boleh menjerat diri kita sendiri</div></div></div>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-512630677003217549.post-85377981963482968912010-11-15T00:08:00.000-08:002010-11-15T00:23:43.237-08:00Ulasan pasaran: Peluang terbaik miliki saham Oleh Kaladher Govindan<h2><span class="bywho">2010/11/15</span></h2><b>Indeks FBM KLCI hujung minggu lalu turun kerana pengambilan untung</b><br />
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SAHAM di Bursa Malaysia pada akhir minggu lalu menjadi mangsa tekanan aktiviti pengambilan untung selepas mencatat peningkatan selama enam minggu berturut-turut. <br />
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Situasi itu menarik turun penanda aras Indeks Indeks Komposit FTSE Bursa Malaysia Kuala Lumpur (FBM KLCI) daripada rekod tertinggi baru dengan penurunan 11.93 mata, atau 0.8 peratus untuk ditutup pada 1,499.81 mata.<br />
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Purata dagangan harian bagaimanapun, meningkat kepada 1.64 bilion saham bernilai RM2.27 bilion berbanding 1.27 bilion saham bernilai RM1.54 bilion minggu sebelumnya. Berbeza dengan Amerika Syarikat (AS) dan negara Eropah yang tidak bermaya merangsang ekonomi domestik, China berjaya memulihkan aktiviti ekonominya menerusi rangsangan bernilai berbilion dolar disasarkan kepada perbelanjaan domestik. <br />
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Adalah dijangkakan akan berlakunya pembetulan sederhana dalam FBM KLCI minggu ini ke arah paras sokongan teknikal 1,478. <br />
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Bagaimanapun, kitaran membeli dalam saham murah dijangka berkekalan. <br />
Ini termasuk peserta minyak dan gas yang bakal meraih manfaat daripada insentif cukai diberikan kepada mereka. <br />
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Berikutan faktor domestik seperti pengukuhan ringgit, pelancaran projek di bawah ETP, penggabungan dan pengambilalihan, penyenaraian baru syarikat berkaitan kerajaan dan kemungkinan pilihan raya umum tahun depan berkemungkinan memberikan kesan kepada gandaan penilaian FBM KLCI, iaitu pelabur boleh menjangka pembetulan pada peringkat ini sebagai peluang membeli saham sebelum jangkaan rali tahun depan. <br />
Sementara pertumbuhan pendapatan syarikat pada tahun depan dijangka kecil sedikit berbanding sebelumnya susulan kesan asas tinggi, akan menyokong kejatuhan selanjutnya indeks. Setakat ini, pendapatan pada musim suku ketiga adalah memberangsangkan. <br />
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Ekonomi domestik pula, hanya data rizab asing dijadualkan dikeluarkan Jumaat ini, tetapi pelabur menanti data jualan runcit AS, pengeluaran pembuatan, permit binaan dan penunjuk utama lain minggu ini yang akan memberikan kesan kepada ekonomi global. <br />
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Tinjauan teknikal memperlihatkan bulan spot kontrak hadapan KLCI bagi November diniagakan di Bursa Malaysia Derivatives Bhd ditutup pada 1,491, kehilangan 24.5 mata dan menyongsang diskaun 8.8–mata kepada indeks tunai berbanding diskaun 3.76–mata Jumaat sebelumnya. <br />
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Penunjuk stochastics harian perlahan bagi KLCI susut ke zon neutral selepas pembetulan ketara minggu lalu, manakala isyarat stochastics mingguan pula memberi isyarat beli baru di zon terlebih beli. <br />
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Indeks Pengukuhan Relatif (RSI) 14–hari juga susut ketara kepada bacaan neutral 52.15, manakala RSI 14–minggu jatuh untuk mengisyaratkan bacaan terlebih beli 75.48. <br />
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Sementara itu, arah aliran MACD mencetuskan isyarat beli baru selepas kejatuhan minggu lalu, manakala MACD mingguan pula menunjukkan kejatuhan pertama sejak isyarat beli pada Ogos. <br />
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Sebagai kesimpulan, mengambil kira isyarat jual berganda terhadap momentum harian dan mingguan dan penanda arah aliran bagi KLCI, kecuali saham mewah yang dijangka mengalami pembetulan lanjut minggu ini. <br />
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Bagaimanapun, ini dilihat sebagai <i><b>peluang terbaik bagi pelabur</b></i> untuk memburu harga untuk jangka sederhana.<br />
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<div style="color: red;"><u><b>Kepada kawan-kawan yang ingin melabur bolehlah call saya. tq </b></u></div><div id="adfull"><noscript> &amp;amp;amp;lt;a href="http://ads.admaxasia.com/servlet/ajrotator/419891/0/cj?ajkey=V122DBF8826J-573I573L2806567385DCCB7385DCCBL437663L437023QL280658QQL2912790G01I373W4http3A2F2F612EX11admaxserver2EW3com2FW5click3F69633DX58CiRiNDJhNGUyMC03YWY2LTQ4NzQtYTdkZC0zMmM0MWQ0ZWIzNTcQn9saGJ2EY277WGiIDQ1BDKJzWGjDSkBE9AAAAAEAASLPQGVCy0BlaJDJhYmZlNmQxLWMzYmEtNGIwYS1iOGFjLWQ0MzhmNmE3NTk5Y2ICdmptrMyNOXgAgAEAiAEAkgEAmgEkYTdjYzUxNjMtZTMyMC00ZDBhLWJlM2QtN2RkNWNlMTQ1MmQ5ogEkYTMwM2Q3MTMtNjMxNC00YmRiLTg4MWYtZjgwZTc3M2E0MGFmqgEkMThkN2ZjNzktNDkyMC00ZGM4LTkwMTEtMjA1MTFlYThmZGY1sAEB26723DG06E&amp;amp;amp;amp;ajlink=http%3A//bs.serving-sys.com/BurstingPipe/BannerRedirect.asp%3FFlightID%3D1839538%26Page%3D%26PluID%3D0%26Pos%3D8995" target="_blank"&amp;amp;amp;gt;&amp;amp;amp;lt;img src="http://bs.serving-sys.com/BurstingPipe/BannerSource.asp?FlightID=1839538&amp;amp;amp;amp;Page=&amp;amp;amp;amp;PluID=0&amp;amp;amp;amp;Pos=8995" border=0 width=468 height=60&amp;amp;amp;gt;&amp;amp;amp;lt;/a&amp;amp;amp;gt; </noscript> <noscript>&amp;amp;amp;lt;a href=" http://a.admaxserver.com/servlet/ajrotator/419891/0/cc?z=admaxasia2&amp;amp;amp;amp;pid=2abfe6d1-c3ba-4b0a-b8ac-d438f6a7599c&amp;amp;amp;amp;asid=c36a2235-7eb1-4b70-8fb1-f680d30ffae6 "&amp;amp;amp;gt;&amp;amp;amp;lt;img src=" http://a.admaxserver.com/servlet/ajrotator/419891/0/vc?z=admaxasia2&amp;amp;amp;amp;dim=280658&amp;amp;amp;amp;pid=2abfe6d1-c3ba-4b0a-b8ac-d438f6a7599c&amp;amp;amp;amp;asid=c36a2235-7eb1-4b70-8fb1-f680d30ffae6&amp;amp;amp;amp;abr=$imginiframe " width="468" height="60" border="0"&amp;amp;amp;gt;&amp;amp;amp;lt;/a&amp;amp;amp;gt;</noscript> </div><a href="http://www.blogger.com/post-edit.g?blogID=512630677003217549&postID=8537798196348296891" id="talk" name="talk"></a>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-512630677003217549.post-45931867246200572992010-10-21T20:55:00.000-07:002012-07-10T04:17:29.786-07:00Medical Card Etiqa<span style="font-size: large;">Kenapa Anda Mesti Memilikinya?</span><br />
<div class="O" style="color: red;"><span style="font-family: "Century Gothic"; font-size: small;">1) Purata Perbelanjaan Rawatan Perubatan Di Malaysia Kini</span></div><br />
<table cellpadding="0" cellspacing="0" dir="ltr" height="251" style="width: 494px;"><tbody>
<tr> <td bgcolor="#8fa05e" height="31" style="border-color: black; border-style: solid; border-width: 2px 1px 1px 2px; vertical-align: top;" width="53"><div style="text-align: center;"><span style="font-size: small;"><span style="font-family: "Century Gothic";">NO</span></span></div></td> <td bgcolor="#8fa05e" height="31" style="border-color: black; border-style: solid; border-width: 2px 1px 1px; vertical-align: top;" width="278"><div><span style="font-size: small;"><span style="font-family: "Century Gothic";">PENYAKIT</span></span></div></td> <td bgcolor="#8fa05e" height="31" style="border-color: black; border-style: solid; border-width: 2px 2px 1px 1px; vertical-align: top;" width="165"><div style="text-align: center;"><span style="font-size: small;"><span style="font-family: "Century Gothic";">KOS (RM)</span></span></div></td> </tr>
<tr> <td height="28" style="border-color: black; border-style: solid; border-width: 1px 1px 1px 2px; vertical-align: top;" width="53"><div style="text-align: center;"><span style="font-size: small;"><span style="color: #ff3300; font-family: "Century Gothic";">1</span></span></div></td> <td height="28" style="border: 1px solid black; vertical-align: top;" width="278"><div><span style="font-size: small;"><span style="color: #ff3300; font-family: "Century Gothic";">Kanser Payudara</span></span></div></td> <td height="28" style="border-color: black; border-style: solid; border-width: 1px 2px 1px 1px; vertical-align: top;" width="165"><div style="text-align: center;"><span style="font-size: small;"><span style="color: #ff3300; font-family: "Century Gothic";"><b>10,000 – 140,000 </b></span></span></div></td> </tr>
<tr> <td height="28" style="border-color: black; border-style: solid; border-width: 1px 1px 1px 2px; vertical-align: top;" width="53"><div style="text-align: center;"><span style="font-size: small;"><span style="color: #ff3300; font-family: "Century Gothic";">2</span></span></div></td> <td height="28" style="border: 1px solid black; vertical-align: top;" width="278"><div><span style="font-size: small;"><span style="color: #ff3300; font-family: "Century Gothic";">Kanser Rahim</span></span></div></td> <td height="28" style="border-color: black; border-style: solid; border-width: 1px 2px 1px 1px; vertical-align: top;" width="165"><div style="text-align: center;"><span style="font-size: small;"><span style="color: #ff3300; font-family: "Century Gothic";"><b>10,000 – 140,000</b></span></span></div></td> </tr>
<tr> <td height="28" style="border-color: black; border-style: solid; border-width: 1px 1px 1px 2px; vertical-align: top;" width="53"><div style="text-align: center;"><span style="font-size: small;"><span style="color: #ff3300; font-family: "Century Gothic";">3</span></span></div></td> <td height="28" style="border: 1px solid black; vertical-align: top;" width="278"><div><span style="font-size: small;"><span style="color: #ff3300; font-family: "Century Gothic";">Demam Denggi</span></span></div></td> <td height="28" style="border-color: black; border-style: solid; border-width: 1px 2px 1px 1px; vertical-align: top;" width="165"><div style="text-align: center;"><span style="font-size: small;"><span style="color: #ff3300; font-family: "Century Gothic";"><b>3,000 – 8,000</b></span></span></div></td> </tr>
<tr> <td height="28" style="border-color: black; border-style: solid; border-width: 1px 1px 1px 2px; vertical-align: top;" width="53"><div style="text-align: center;"><span style="font-size: small;"><span style="color: #ff3300; font-family: "Century Gothic";">4</span></span></div></td> <td height="28" style="border: 1px solid black; vertical-align: top;" width="278"><div><span style="font-size: small;"><span style="color: #ff3300; font-family: "Century Gothic";">Diabetis</span></span></div></td> <td height="28" style="border-color: black; border-style: solid; border-width: 1px 2px 1px 1px; vertical-align: top;" width="165"><div style="text-align: center;"><span style="font-size: small;"><span style="color: #ff3300; font-family: "Century Gothic";"><b>2,500 – 5000/yr</b></span></span></div></td> </tr>
<tr> <td height="28" style="border-color: black; border-style: solid; border-width: 1px 1px 1px 2px; vertical-align: top;" width="53"><div style="text-align: center;"><span style="font-size: small;"><span style="color: #ff3300; font-family: "Century Gothic";">5</span></span></div></td> <td height="28" style="border: 1px solid black; vertical-align: top;" width="278"><div><span style="font-size: small;"><span style="color: #ff3300; font-family: "Century Gothic";">Tekanan Darah Tinggi </span></span></div></td> <td height="28" style="border-color: black; border-style: solid; border-width: 1px 2px 1px 1px; vertical-align: top;" width="165"><div style="text-align: center;"><span style="font-size: small;"><span style="color: #ff3300; font-family: "Century Gothic";"><b>2,000 – 3,000/yr</b></span></span></div></td> </tr>
<tr> <td height="28" style="border-color: black; border-style: solid; border-width: 1px 1px 1px 2px; vertical-align: top;" width="53"><div style="text-align: center;"><span style="font-size: small;"><span style="color: #ff3300; font-family: "Century Gothic";">6</span></span></div></td> <td height="28" style="border: 1px solid black; vertical-align: top;" width="278"><div><span style="font-size: small;"><span style="color: #ff3300; font-family: "Century Gothic";">Serangan Jantung</span></span></div></td> <td height="28" style="border-color: black; border-style: solid; border-width: 1px 2px 1px 1px; vertical-align: top;" width="165"><div style="text-align: center;"><span style="font-size: small;"><span style="color: #ff3300; font-family: "Century Gothic";"><b>20,000 – 50,000</b></span></span></div></td> </tr>
<tr> <td height="28" style="border-color: black; border-style: solid; border-width: 1px 1px 1px 2px; vertical-align: top;" width="53"><div style="text-align: center;"><span style="font-size: small;"><span style="color: #ff3300; font-family: "Century Gothic";">7</span></span></div></td> <td height="28" style="border: 1px solid black; vertical-align: top;" width="278"><div><span style="font-size: small;"><span style="color: #ff3300; font-family: "Century Gothic";">Strok</span></span></div></td> <td height="28" style="border-color: black; border-style: solid; border-width: 1px 2px 1px 1px; vertical-align: top;" width="165"><div style="text-align: center;"><span style="font-size: small;"><span style="color: #ff3300; font-family: "Century Gothic";"><b>10,000 – 20,000 </b></span></span></div></td> </tr>
<tr> <td height="28" style="border-color: black; border-style: solid; border-width: 1px 1px 2px 2px; vertical-align: top;" width="53"><div style="text-align: center;"><span style="font-size: small;"><span style="color: #ff3300; font-family: "Century Gothic";">8</span></span></div></td> <td height="28" style="border-color: black; border-style: solid; border-width: 1px 1px 2px; vertical-align: top;" width="278"><div><span style="font-size: small;"><span style="color: #ff3300; font-family: "Century Gothic";">Katarak</span></span></div></td> <td height="28" style="border-color: black; border-style: solid; border-width: 1px 2px 2px 1px; vertical-align: top;" width="165"><div style="text-align: center;"><span style="font-size: small;"><span style="color: #ff3300; font-family: "Century Gothic";"><b>3,000 – 5,00</b></span></span></div></td> </tr>
</tbody></table><div class="MsoNormal" style="text-align: left;"><br />
<div style="color: #cc0000;"><span style="font-family: "Century Gothic"; font-size: small;">2) Kenyataan Menteri Kesihatan</span></div></div><div class="O"><div class="O"><div><br />
<div class="O"><div><span style="color: #660000; font-size: small;">"Berdasarkan pada kajian beban penyakit pada tahun 2000 penyakit seperti </span><span style="color: #660000; font-size: small;">koronari arteri, strok, kencing manis, penyakit mental dll, memberi kesan serius </span><span style="color: #660000; font-size: small;">kepada ekonomi sesebuah keluarga dan negara. Negara tidak mampu untuk </span><span style="font-size: small;"><span style="color: #660000;">menampung perbelanjaan ini” (Datuk Chua Soi Lek) </span>:</span><span style="font-size: 14pt;"><b> Star Online - Khamis Disember 21, 2006</b></span><br />
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<div style="color: red;"><span style="font-size: small;"><span style="font-size: large;">3) Dari mana sumber kewangan perubatan anda</span></span></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhyWpDHl4zMN8NA3govMfRhg4h2mu0kHtXC4VdvYo5oP8qFNxsmT7TgtWLHlVMCIbiu1e4skJyrlfZSBV0CmRDWDKB_p2sqontI4y3e6gb9m_mavCm7R-bWuvWr86nifVvCSWUCa5v3hHbf/s1600/Presentation2.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhyWpDHl4zMN8NA3govMfRhg4h2mu0kHtXC4VdvYo5oP8qFNxsmT7TgtWLHlVMCIbiu1e4skJyrlfZSBV0CmRDWDKB_p2sqontI4y3e6gb9m_mavCm7R-bWuvWr86nifVvCSWUCa5v3hHbf/s320/Presentation2.png" style="color: #cc0000;" width="320" /></a></div><span style="font-size: 14pt;"><b><span id="goog_1109842534"></span><span id="goog_1109842535"></span> </b></span><span style="font-size: 14pt;"> </span></div></div></div></div><div><span style="font-size: 19pt;"><br />
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<span style="font-size: 19pt;"><span style="font-size: large;">4) Pakej Terbaik dipasaran ( Plan bagus & kongsi untung 80% kepada peserta)</span><br />
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</div><div align="center" class="MsoNormal" style="text-align: center;"><b>Manfaat</b><b> Dalam Hospital</b><b> & Pesakit Luar</b></div><div class="MsoNormal"><br />
</div><table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: medium none; margin-left: -0.05in; width: 552px;"><tbody>
<tr> <td style="background-color: red; border: 1pt solid windowtext; color: black; padding: 0in 5.4pt; width: 2.5in;" valign="top" width="240"><div align="center" class="MsoNormal" style="text-align: center;"><b><span style="font-size: 8pt;">Manfaat</span></b></div></td> <td colspan="2" style="background-color: red; border-color: windowtext windowtext windowtext -moz-use-text-color; border-style: solid solid solid none; border-width: 1pt 1pt 1pt medium; color: black; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><b><span style="font-size: 8pt;">Pelan 1</span></b></div></td> <td style="background-color: red; border-color: windowtext windowtext windowtext -moz-use-text-color; border-style: solid solid solid none; border-width: 1pt 1pt 1pt medium; color: black; padding: 0in 5.4pt; width: 44.2pt;" valign="top" width="59"><div class="MsoNormal"><b><span style="font-size: 8pt;"> Pelan 2</span></b></div></td> <td style="background-color: red; border-color: windowtext windowtext windowtext -moz-use-text-color; border-style: solid solid solid none; border-width: 1pt 1pt 1pt medium; color: black; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><b><span style="font-size: 8pt;">Pelan 3</span></b></div></td> <td style="background-color: red; border-color: windowtext windowtext windowtext -moz-use-text-color; border-style: solid solid solid none; border-width: 1pt 1pt 1pt medium; color: black; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><b><span style="font-size: 8pt;">Pelan 4</span></b></div></td> <td style="background-color: red; border-color: windowtext windowtext windowtext -moz-use-text-color; border-style: solid solid solid none; border-width: 1pt 1pt 1pt medium; color: black; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><b><span style="font-size: 8pt;">Pelan 5</span></b></div></td> <td style="background-color: red; border-color: windowtext windowtext windowtext -moz-use-text-color; border-style: solid solid solid none; border-width: 1pt 1pt 1pt medium; color: black; padding: 0in 5.4pt; width: 42.6pt;" valign="top" width="57"><div class="MsoNormal"><b><span style="font-size: 8pt;">Pelan 6</span></b></div></td> </tr>
<tr style="background-color: orange; height: 13.2pt;"> <td colspan="8" style="border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; height: 13.2pt; padding: 0in 5.4pt; width: 5.75in;" valign="top" width="552"><div class="MsoNormal"><span lang="FI" style="font-size: 8pt;">Bilik penginapan hospital (maksima 120 hari satu tahun sijil)</span></div></td> </tr>
<tr> <td style="background-color: orange; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; padding: 0in 5.4pt; width: 2.5in;" valign="top" width="240"><div class="MsoNormal"><span style="font-size: 8pt;">Malaysia</span><span style="font-size: 8pt;"></span></div></td> <td colspan="2" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><span style="font-size: 8pt;">350</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 44.2pt;" valign="top" width="59"><div class="MsoNormal"><span style="font-size: 8pt;">300</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><span style="font-size: 8pt;">250</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><span style="font-size: 8pt;">200</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><span style="font-size: 8pt;">150</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 42.6pt;" valign="top" width="57"><div class="MsoNormal"><span style="font-size: 8pt;">100</span></div></td> </tr>
<tr style="height: 12.35pt;"> <td style="background-color: orange; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; height: 12.35pt; padding: 0in 5.4pt; width: 2.5in;" valign="top" width="240"><div class="MsoNormal"><span style="font-size: 8pt;">Luar Malaysia</span></div></td> <td colspan="2" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.35pt; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><span style="font-size: 8pt;">700</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.35pt; padding: 0in 5.4pt; width: 44.2pt;" valign="top" width="59"><div class="MsoNormal"><span style="font-size: 8pt;">600</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.35pt; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><span style="font-size: 8pt;">500</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.35pt; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><span style="font-size: 8pt;">400</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.35pt; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><span style="font-size: 8pt;">300</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.35pt; padding: 0in 5.4pt; width: 42.6pt;" valign="top" width="57"><div class="MsoNormal"><span style="font-size: 8pt;">200</span></div></td> </tr>
<tr> <td colspan="2" style="background-color: orange; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; padding: 0in 5.4pt; width: 197pt;" valign="top" width="263"><div class="MsoNormal"><span lang="FI" style="font-size: 8pt;">Unit penjagaan rapi (maksima 20 hari) </span></div></td> <td colspan="6" rowspan="10" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 217pt;" valign="top" width="289"><div align="center" class="MsoNormal" style="text-align: center;"><span lang="FI" style="font-size: 8pt;">Seperti dicaj (tertakluk kepada Had Tahunan, Had sepanjang hidup & 10% ko-takaful – max RM3,000)</span></div></td> </tr>
<tr style="background-color: orange;"> <td colspan="2" style="border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; padding: 0in 5.4pt; width: 197pt;" valign="top" width="263"><div class="MsoNormal"><span lang="FI" style="font-size: 8pt;">Caj pembedahan termasuk anesthetic & bilik pembedahan</span></div></td> </tr>
<tr style="background-color: orange;"> <td colspan="2" style="border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; padding: 0in 5.4pt; width: 197pt;" valign="top" width="263"><div class="MsoNormal"><span style="font-size: 8pt;">Bekalan & perkhidmatan hospital</span></div></td> </tr>
<tr style="background-color: orange;"> <td colspan="2" style="border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; padding: 0in 5.4pt; width: 197pt;" valign="top" width="263"><div class="MsoNormal"><span style="font-size: 8pt;">Lawatan pakar perubatan dalaman (1 lawatan sehari)</span></div></td> </tr>
<tr style="background-color: orange;"> <td colspan="2" style="border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; padding: 0in 5.4pt; width: 197pt;" valign="top" width="263"><div class="MsoNormal"><span lang="SV" style="font-size: 8pt;">Lawatan doktor pakar (1 lawatan sehari)</span></div></td> </tr>
<tr style="background-color: orange;"> <td colspan="2" style="border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; padding: 0in 5.4pt; width: 197pt;" valign="top" width="263"><div class="MsoNormal"><b><i><span style="font-size: 8pt;">Manfaat pesakit luar</span></i></b><span style="font-size: 8pt;"></span></div></td> </tr>
<tr style="background-color: orange;"> <td colspan="2" style="border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; padding: 0in 5.4pt; width: 197pt;" valign="top" width="263"><div class="MsoNormal"><span lang="SV" style="font-size: 8pt;">Perkhidmatan pakar perunding & diagnosis (60 hari sebelum)</span></div></td> </tr>
<tr style="background-color: orange;"> <td colspan="2" style="border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; padding: 0in 5.4pt; width: 197pt;" valign="top" width="263"><div class="MsoNormal"><span lang="FI" style="font-size: 8pt;">Rawatan selepas kemasukan ke hospital (60 hari selepas)</span></div></td> </tr>
<tr style="background-color: orange;"> <td colspan="2" style="border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; padding: 0in 5.4pt; width: 197pt;" valign="top" width="263"><div class="MsoNormal"><span style="font-size: 8pt;">Caj ambulan </span></div></td> </tr>
<tr style="background-color: orange;"> <td colspan="2" style="border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; padding: 0in 5.4pt; width: 197pt;" valign="top" width="263"><div class="MsoNormal"><span style="font-size: 8pt;">Pembedahan pesakit luar</span></div></td> </tr>
<tr> <td style="background-color: orange; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; padding: 0in 5.4pt; width: 2.5in;" valign="top" width="240"><div class="MsoNormal"><span lang="FI" style="font-size: 8pt;">Cukai kerajaan untuk bilik penginapan </span></div></td> <td colspan="7" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 3.25in;" valign="top" width="312"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">5 % atas bilik penginapan </span></div></td> </tr>
<tr> <td style="background-color: orange; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; padding: 0in 5.4pt; width: 2.5in;" valign="top" width="240"><div class="MsoNormal"><span lang="FI" style="font-size: 8pt;">Caj laporan perubatan (satu tahun sijil)</span></div></td> <td colspan="2" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><span style="font-size: 8pt;">100</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 44.2pt;" valign="top" width="59"><div class="MsoNormal"><span style="font-size: 8pt;">100</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><span style="font-size: 8pt;">100</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><span style="font-size: 8pt;">80</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><span style="font-size: 8pt;">80</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 42.6pt;" valign="top" width="57"><div class="MsoNormal"><span style="font-size: 8pt;">80</span></div></td> </tr>
<tr> <td style="background-color: orange; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; padding: 0in 5.4pt; width: 2.5in;" valign="top" width="240"><div class="MsoNormal"><span style="font-size: 8pt;">Pejagaan harian kanak-kanak (sehingga 120 hari)</span></div></td> <td colspan="2" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><span style="font-size: 8pt;">100</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 44.2pt;" valign="top" width="59"><div class="MsoNormal"><span style="font-size: 8pt;">100</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><span style="font-size: 8pt;">100</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><span style="font-size: 8pt;">80</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><span style="font-size: 8pt;">80</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 42.6pt;" valign="top" width="57"><div class="MsoNormal"><span style="font-size: 8pt;">80</span></div></td> </tr>
<tr> <td style="background-color: orange; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; padding: 0in 5.4pt; width: 2.5in;" valign="top" width="240"><div class="MsoNormal"><span lang="FI" style="font-size: 8pt;">Nasihat pembedahan kedua (1 tahun sijil)</span></div></td> <td colspan="2" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><span style="font-size: 8pt;">200</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 44.2pt;" valign="top" width="59"><div class="MsoNormal"><span style="font-size: 8pt;">200</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><span style="font-size: 8pt;">150</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><span style="font-size: 8pt;">150</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><span style="font-size: 8pt;">100</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 42.6pt;" valign="top" width="57"><div class="MsoNormal"><span style="font-size: 8pt;">100</span></div></td> </tr>
<tr> <td style="background-color: orange; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; padding: 0in 5.4pt; width: 2.5in;" valign="top" width="240"><div class="MsoNormal"><span lang="FI" style="font-size: 8pt;">Elaun harian tunai bagi hospital kerajaan (sehingga 120 hari satu sijil)</span></div></td> <td colspan="2" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><span style="font-size: 8pt;">100</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 44.2pt;" valign="top" width="59"><div class="MsoNormal"><span style="font-size: 8pt;">100</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><span style="font-size: 8pt;">100</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><span style="font-size: 8pt;">80</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><span style="font-size: 8pt;">80</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 42.6pt;" valign="top" width="57"><div class="MsoNormal"><span style="font-size: 8pt;">80</span></div></td> </tr>
<tr> <td style="background-color: orange; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; padding: 0in 5.4pt; width: 2.5in;" valign="top" width="240"><div class="MsoNormal"><span lang="FI" style="font-size: 8pt;">Rawatan kemalangan kecemasan pesakit luar (had satu kemalangan dalam masa 24 jam) </span></div></td> <td colspan="2" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><span style="font-size: 8pt;">1,500</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 44.2pt;" valign="top" width="59"><div class="MsoNormal"><span style="font-size: 8pt;">1,500</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><span style="font-size: 8pt;">1,250</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><span style="font-size: 8pt;">1,250</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><span style="font-size: 8pt;">1,000</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 42.6pt;" valign="top" width="57"><div class="MsoNormal"><span style="font-size: 8pt;">1,000</span></div></td> </tr>
<tr> <td style="background-color: orange; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; padding: 0in 5.4pt; width: 2.5in;" valign="top" width="240"><div class="MsoNormal"><span lang="FI" style="font-size: 8pt;">Rawatan kemalangan kecemasan pergigian ( had satu kemalangan dalam masa 24 jam)</span></div></td> <td colspan="2" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><span style="font-size: 8pt;">1,500</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 44.2pt;" valign="top" width="59"><div class="MsoNormal"><span style="font-size: 8pt;">1,500</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><span style="font-size: 8pt;">1,250</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><span style="font-size: 8pt;">1,250</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><span style="font-size: 8pt;">1,000</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 42.6pt;" valign="top" width="57"><div class="MsoNormal"><span style="font-size: 8pt;">1,000</span></div></td> </tr>
<tr> <td style="background-color: orange; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; padding: 0in 5.4pt; width: 2.5in;" valign="top" width="240"><div class="MsoNormal"><span style="font-size: 8pt;">Rawatan kecemasan kesakitan (12 t/mlm hingga 6 pagi setiap kejadian)</span></div></td> <td colspan="2" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><span style="font-size: 8pt;">50</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 44.2pt;" valign="top" width="59"><div class="MsoNormal"><span style="font-size: 8pt;">50</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><span style="font-size: 8pt;">50</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><span style="font-size: 8pt;">50</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><span style="font-size: 8pt;">50</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 42.6pt;" valign="top" width="57"><div class="MsoNormal"><span style="font-size: 8pt;">50</span></div></td> </tr>
<tr> <td style="background-color: orange; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; padding: 0in 5.4pt; width: 2.5in;" valign="top" width="240"><div class="MsoNormal"><span style="font-size: 8pt;">Rawatan fisioterapi bagi pesakit luar</span></div><div class="MsoNormal"><span style="font-size: 8pt;">(60 hari selepas kemasukan ke hospital)</span></div></td> <td colspan="2" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><span style="font-size: 8pt;">1,500</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 44.2pt;" valign="top" width="59"><div class="MsoNormal"><span style="font-size: 8pt;">1,500</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><span style="font-size: 8pt;">1,250</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><span style="font-size: 8pt;">1,250</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><span style="font-size: 8pt;">1,000</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 42.6pt;" valign="top" width="57"><div class="MsoNormal"><span style="font-size: 8pt;">1,000</span></div></td> </tr>
<tr> <td style="background-color: orange; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; padding: 0in 5.4pt; width: 2.5in;" valign="top" width="240"><div class="MsoNormal"><b><span style="font-size: 8pt;">Had Keseluruhan Tahunan</span></b></div></td> <td colspan="2" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><b><span style="font-size: 8pt;">100,000</span></b></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 44.2pt;" valign="top" width="59"><div class="MsoNormal"><b><span style="font-size: 8pt;">80,000</span></b></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><b><span style="font-size: 8pt;">70,000</span></b></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><b><span style="font-size: 8pt;">60,000</span></b></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><b><span style="font-size: 8pt;">50,000</span></b></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 42.6pt;" valign="top" width="57"><div class="MsoNormal"><b><span style="font-size: 8pt;">30,000</span></b></div></td> </tr>
<tr style="background-color: orange;"> <td colspan="8" style="border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; padding: 0in 5.4pt; width: 5.75in;" valign="top" width="552"><div align="center" class="MsoNormal" style="text-align: center;"><b><span style="font-size: 8pt;">Manfaat lanjutan</span></b></div></td> </tr>
<tr> <td style="background-color: orange; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; padding: 0in 5.4pt; width: 2.5in;" valign="top" width="240"><div class="MsoNormal"><span lang="SV" style="font-size: 8pt;">Rawatan pesakit luar dialisis buah pinggang (setahun)</span></div></td> <td colspan="2" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><span style="font-size: 8pt;">72,000</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 44.2pt;" valign="top" width="59"><div class="MsoNormal"><span style="font-size: 8pt;">66,000</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><span style="font-size: 8pt;">60,000</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><span style="font-size: 8pt;">54,000</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><span style="font-size: 8pt;">48,000</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 42.6pt;" valign="top" width="57"><div class="MsoNormal"><span style="font-size: 8pt;">36,000</span></div></td> </tr>
<tr> <td style="background-color: orange; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; padding: 0in 5.4pt; width: 2.5in;" valign="top" width="240"><div class="MsoNormal"><span lang="SV" style="font-size: 8pt;">Rawatan barah pesakit luar (setahun)</span></div></td> <td colspan="2" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><span style="font-size: 8pt;">72, 000</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 44.2pt;" valign="top" width="59"><div class="MsoNormal"><span style="font-size: 8pt;">66,000</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><span style="font-size: 8pt;">60,000</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><span style="font-size: 8pt;">54,000</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><span style="font-size: 8pt;">48,000</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 42.6pt;" valign="top" width="57"><div class="MsoNormal"><span style="font-size: 8pt;">36,000</span></div></td> </tr>
<tr> <td style="background-color: orange; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; padding: 0in 5.4pt; width: 2.5in;" valign="top" width="240"><div class="MsoNormal"><span style="font-size: 8pt;">Permindahan organ (had sepanjang hidup)</span></div></td> <td colspan="2" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><span style="font-size: 8pt;">50,000</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 44.2pt;" valign="top" width="59"><div class="MsoNormal"><span style="font-size: 8pt;">50,000</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><span style="font-size: 8pt;">40,000</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><span style="font-size: 8pt;">40,000</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><span style="font-size: 8pt;">30,000</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 42.6pt;" valign="top" width="57"><div class="MsoNormal"><span style="font-size: 8pt;">30,000</span></div></td> </tr>
<tr> <td style="background-color: orange; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; padding: 0in 5.4pt; width: 2.5in;" valign="top" width="240"><div class="MsoNormal"><b><span style="font-size: 8pt;">Had keseluruhan sepanjang hayat </span></b></div></td> <td colspan="2" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><b><span style="font-size: 8pt;">300,000</span></b></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 44.2pt;" valign="top" width="59"><div class="MsoNormal"><b><span style="font-size: 8pt;">240,000</span></b></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><b><span style="font-size: 8pt;">210,000</span></b></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><b><span style="font-size: 8pt;">180,000</span></b></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><b><span style="font-size: 8pt;">150,000</span></b></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 42.6pt;" valign="top" width="57"><div class="MsoNormal"><b><span style="font-size: 8pt;">90,000</span></b></div></td> </tr>
<tr style="background-color: orange;"> <td colspan="8" style="border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; padding: 0in 5.4pt; width: 5.75in;" valign="top" width="552"><div align="center" class="MsoNormal" style="text-align: center;"><b><span style="font-size: 8pt;">Manfaat tambahan</span></b></div></td> </tr>
<tr> <td style="background-color: orange; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; padding: 0in 5.4pt; width: 2.5in;" valign="top" width="240"><div class="MsoNormal"><span style="font-size: 8pt;">Khairat kematian </span></div></td> <td colspan="2" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><span style="font-size: 8pt;">5,000</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 44.2pt;" valign="top" width="59"><div class="MsoNormal"><span style="font-size: 8pt;">5,000</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><span style="font-size: 8pt;">4,000</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><span style="font-size: 8pt;">4,000</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 36.8pt;" valign="top" width="49"><div class="MsoNormal"><span style="font-size: 8pt;">3,000</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 42.6pt;" valign="top" width="57"><div class="MsoNormal"><span style="font-size: 8pt;">3,000</span></div></td> </tr>
<tr> <td style="background-color: orange; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; padding: 0in 5.4pt; width: 2.5in;" valign="top" width="240"><div class="MsoNormal"><span style="font-size: 8pt;">Lebihan perkongsian </span></div></td> <td colspan="7" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 3.25in;" valign="top" width="312"><div class="MsoNormal"><span style="font-size: 8pt;">80% peserta 20% syarikat bila sijil matang</span></div></td> </tr>
</tbody></table><br />
<br />
<span style="color: red;">5) Harga paling murah Dipasaran</span><br />
<br />
<table border="1" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="border-collapse: collapse; border: medium none; margin-left: 0.2in;"><tbody>
<tr style="height: 12.75pt; page-break-inside: avoid;"> <td nowrap="nowrap" rowspan="2" style="background: none repeat scroll 0% 0% rgb(204, 204, 204); border: 1pt solid windowtext; height: 12.75pt; padding: 0in 5.4pt; width: 37.5pt;" valign="bottom" width="50"><div align="center" class="MsoNormal" style="text-align: center;"><b><span style="font-size: 8pt;">Age\</span></b></div><div align="center" class="MsoNormal" style="text-align: center;"><b><span style="font-size: 8pt;"> Band</span></b></div></td> <td colspan="2" nowrap="nowrap" style="background: none repeat scroll 0% 0% rgb(204, 204, 204); border-color: windowtext windowtext windowtext -moz-use-text-color; border-style: solid solid solid none; border-width: 1pt 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 65.6pt;" valign="bottom" width="87"><div align="center" class="MsoNormal" style="text-align: center;"><b><span style="font-size: 8pt;">350</span></b></div></td> <td colspan="2" style="background: none repeat scroll 0% 0% rgb(204, 204, 204); border-color: windowtext windowtext windowtext -moz-use-text-color; border-style: solid solid solid none; border-width: 1pt 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 64.7pt;" valign="bottom" width="86"><div align="center" class="MsoNormal" style="text-align: center;"><b><span style="font-size: 8pt;">300</span></b></div></td> <td colspan="2" style="background: none repeat scroll 0% 0% rgb(204, 204, 204); border-color: windowtext windowtext windowtext -moz-use-text-color; border-style: solid solid solid none; border-width: 1pt 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 65.6pt;" valign="bottom" width="87"><div align="center" class="MsoNormal" style="text-align: center;"><b><span style="font-size: 8pt;">250</span></b></div></td> <td colspan="2" style="background: none repeat scroll 0% 0% rgb(204, 204, 204); border-color: windowtext windowtext windowtext -moz-use-text-color; border-style: solid solid solid none; border-width: 1pt 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 65.6pt;" valign="top" width="87"><div align="center" class="MsoNormal" style="text-align: center;"><b><span style="font-size: 8pt;">200</span></b></div></td> <td colspan="2" nowrap="nowrap" style="background: none repeat scroll 0% 0% rgb(204, 204, 204); border-color: windowtext windowtext windowtext -moz-use-text-color; border-style: solid solid solid none; border-width: 1pt 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 61.8pt;" valign="bottom" width="82"><div align="center" class="MsoNormal" style="text-align: center;"><b><span style="font-size: 8pt;">150</span></b></div></td> <td colspan="2" nowrap="nowrap" style="background: none repeat scroll 0% 0% rgb(204, 204, 204); border-color: windowtext windowtext windowtext -moz-use-text-color; border-style: solid solid solid none; border-width: 1pt 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 68.8pt;" valign="bottom" width="92"><div align="center" class="MsoNormal" style="text-align: center;"><b><span style="font-size: 8pt;">100</span></b></div></td> </tr>
<tr style="height: 12.75pt; page-break-inside: avoid;"> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% rgb(204, 204, 204); border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><b><span style="font-size: 8pt;">L</span></b></div></td> <td style="background: none repeat scroll 0% 0% rgb(204, 204, 204); border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><b><span style="font-size: 8pt;">W</span></b></div></td> <td style="background: none repeat scroll 0% 0% rgb(204, 204, 204); border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 31.9pt;" valign="bottom" width="43"><div align="center" class="MsoNormal" style="text-align: center;"><b><span style="font-size: 8pt;">L</span></b></div></td> <td style="background: none repeat scroll 0% 0% rgb(204, 204, 204); border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><b><span style="font-size: 8pt;">W</span></b></div></td> <td style="background: none repeat scroll 0% 0% rgb(204, 204, 204); border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><b><span style="font-size: 8pt;">L</span></b></div></td> <td style="background: none repeat scroll 0% 0% rgb(204, 204, 204); border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><b><span style="font-size: 8pt;">W</span></b></div></td> <td style="background: none repeat scroll 0% 0% rgb(204, 204, 204); border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="top" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><b><span style="font-size: 8pt;">L</span></b></div></td> <td style="background: none repeat scroll 0% 0% rgb(204, 204, 204); border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="top" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><b><span style="font-size: 8pt;">W</span></b></div></td> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% rgb(204, 204, 204); border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 29pt;" valign="bottom" width="39"><div align="center" class="MsoNormal" style="text-align: center;"><b><span style="font-size: 8pt;">L</span></b></div></td> <td style="background: none repeat scroll 0% 0% rgb(204, 204, 204); border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><b><span style="font-size: 8pt;">W</span></b></div></td> <td nowrap="nowrap" style="background: none repeat scroll 0% 0% rgb(204, 204, 204); border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><b><span style="font-size: 8pt;">L</span></b></div></td> <td style="background: none repeat scroll 0% 0% rgb(204, 204, 204); border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 0.5in;" valign="bottom" width="48"><div align="center" class="MsoNormal" style="text-align: center;"><b><span style="font-size: 8pt;">W</span></b></div></td> </tr>
<tr style="height: 12.75pt;"> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; height: 12.75pt; padding: 0in 5.4pt; width: 37.5pt;" valign="bottom" width="50"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">1 - 6</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">1,049</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">1,049</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 31.9pt;" valign="bottom" width="43"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">991</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">991</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">939</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">939</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">771</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">771</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 29pt;" valign="bottom" width="39"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">689</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">689</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">562</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 0.5in;" valign="bottom" width="48"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">562</span></div></td> </tr>
<tr style="height: 12.75pt;"> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; height: 12.75pt; padding: 0in 5.4pt; width: 37.5pt;" valign="bottom" width="50"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">7 - 19</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">661</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">702</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 31.9pt;" valign="bottom" width="43"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">609</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">650</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">566</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">601</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">467</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">494</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 29pt;" valign="bottom" width="39"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">427</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">454</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">356</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 0.5in;" valign="bottom" width="48"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">379</span></div></td> </tr>
<tr style="height: 12.75pt;"> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; height: 12.75pt; padding: 0in 5.4pt; width: 37.5pt;" valign="bottom" width="50"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">20 - 24</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">657</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">696</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 31.9pt;" valign="bottom" width="43"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">606</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">640</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">567</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">599</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">482</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">509</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 29pt;" valign="bottom" width="39"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">431</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">456</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">363</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 0.5in;" valign="bottom" width="48"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">382</span></div></td> </tr>
<tr style="height: 12.75pt;"> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; height: 12.75pt; padding: 0in 5.4pt; width: 37.5pt;" valign="bottom" width="50"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">25 - 29</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">723</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">814</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 31.9pt;" valign="bottom" width="43"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">666</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">749</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">622</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">701</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">528</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">597</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 29pt;" valign="bottom" width="39"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">474</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">534</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">398</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 0.5in;" valign="bottom" width="48"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">447</span></div></td> </tr>
<tr style="height: 12.75pt;"> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; height: 12.75pt; padding: 0in 5.4pt; width: 37.5pt;" valign="bottom" width="50"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">30 - 34</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">891</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">1,047</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 31.9pt;" valign="bottom" width="43"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">833</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">980</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">759</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">892</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">628</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">742</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 29pt;" valign="bottom" width="39"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">556</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">657</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">446</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 0.5in;" valign="bottom" width="48"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">524</span></div></td> </tr>
<tr style="height: 12.75pt;"> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; height: 12.75pt; padding: 0in 5.4pt; width: 37.5pt;" valign="bottom" width="50"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">35 - 39</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">1,010</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">1,295</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 31.9pt;" valign="bottom" width="43"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">945</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">1,212</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">861</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">1,104</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">715</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">925</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 29pt;" valign="bottom" width="39"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">634</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">820</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">506</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 0.5in;" valign="bottom" width="48"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">654</span></div></td> </tr>
<tr style="height: 12.75pt;"> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; height: 12.75pt; padding: 0in 5.4pt; width: 37.5pt;" valign="bottom" width="50"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">40 - 44</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">1,185</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">1,565</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 31.9pt;" valign="bottom" width="43"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">1,110</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">1,465</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">1,012</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">1,335</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">846</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">1,128</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 29pt;" valign="bottom" width="39"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">750</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">1,002</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">600</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 0.5in;" valign="bottom" width="48"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">797</span></div></td> </tr>
<tr style="height: 12.75pt;"> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; height: 12.75pt; padding: 0in 5.4pt; width: 37.5pt;" valign="bottom" width="50"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">45 - 49</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">1,511</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">1,920</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 31.9pt;" valign="bottom" width="43"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">1,417</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">1,800</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">1,290</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">1,639</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">1,088</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">1,396</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 29pt;" valign="bottom" width="39"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">967</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">1,243</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">771</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 0.5in;" valign="bottom" width="48"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">985</span></div></td> </tr>
<tr style="height: 12.75pt;"> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; height: 12.75pt; padding: 0in 5.4pt; width: 37.5pt;" valign="bottom" width="50"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">50 - 54</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">1,761</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">2,083</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 31.9pt;" valign="bottom" width="43"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">1,604</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">1,923</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">1,479</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">1,763</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">1,237</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">1,492</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 29pt;" valign="bottom" width="39"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">1,085</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">1,318</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">860</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 0.5in;" valign="bottom" width="48"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">1,042</span></div></td> </tr>
<tr style="height: 12.75pt;"> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; height: 12.75pt; padding: 0in 5.4pt; width: 37.5pt;" valign="bottom" width="50"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">55 - 59</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">2,418</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">2,246</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 31.9pt;" valign="bottom" width="43"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">2,206</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">2,046</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">2,035</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">1,886</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">1,716</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">1,587</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 29pt;" valign="bottom" width="39"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">1,509</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">1,392</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">1,196</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 0.5in;" valign="bottom" width="48"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">1,099</span></div></td> </tr>
<tr style="height: 12.75pt;"> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; height: 12.75pt; padding: 0in 5.4pt; width: 37.5pt;" valign="bottom" width="50"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">60 - 64</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">3,297</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">2,807</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 31.9pt;" valign="bottom" width="43"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">3,010</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">2,560</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">2,777</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">2,362</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">2,357</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">1,990</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 29pt;" valign="bottom" width="39"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">2,075</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">1,749</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">1,644</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 0.5in;" valign="bottom" width="48"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">1,384</span></div></td> </tr>
<tr style="height: 12.75pt;"> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; height: 12.75pt; padding: 0in 5.4pt; width: 37.5pt;" valign="bottom" width="50"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">65 - 69</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">4,371</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">3,759</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 31.9pt;" valign="bottom" width="43"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">3,989</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">3,428</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">3,685</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">3,165</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">3,118</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">2,656</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 29pt;" valign="bottom" width="39"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">2,745</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">2,335</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">2,181</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 0.5in;" valign="bottom" width="48"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">1,854</span></div></td> </tr>
<tr style="height: 12.75pt;"> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; height: 12.75pt; padding: 0in 5.4pt; width: 37.5pt;" valign="bottom" width="50"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">70 -75</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">6,122</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">5,078</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 31.9pt;" valign="bottom" width="43"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">5,623</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">4,655</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">5,228</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">4,325</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">4,468</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">3,662</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 29pt;" valign="bottom" width="39"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">3,981</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">3,253</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 32.8pt;" valign="bottom" width="44"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">3,266</span></div></td> <td nowrap="nowrap" style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; height: 12.75pt; padding: 0in 5.4pt; width: 0.5in;" valign="bottom" width="48"><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: 8pt;">2,659</span></div></td> </tr>
</tbody></table><br />
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<div class="MsoNormal"><span style="font-size: small;"><b><span style="color: red;">6) Tempoh menunggu yang pendek</span></b></span></div><div class="MsoNormal"><span style="font-family: "Bodoni MT Black"; font-size: 10pt;">1.<b> </b></span><span style="font-size: 10pt;">Tempoh menunggu untuk kemasukan ke hospital adalah selama 30 hari dari tarikh kuat kuasa sijil melainkan disebabkan oleh kemalangan </span><b><span style="font-family: "Bodoni MT Black"; font-size: 10pt;"></span></b></div><div class="MsoNormal"><span style="font-size: 10pt;">2. penyakit – penyakit khusus yang dinyatakan bermaksud penyakit-penyakit dan komplikasi-komplikasi berikut, berlaku dalam masa 120 hari kepada peserta</span></div><div class="MsoNormal" style="text-indent: 0.5in;"><span lang="FI" style="font-size: 10pt;">a) hypertension, diabetes mellitus dan penyakit kardiovaskular</span></div><div class="MsoNormal" style="text-indent: 0.5in;"><span lang="SV" style="font-size: 10pt;">b) semua, kanser, cyst, nodules, polyps, batu karang dan sistem billiary</span></div><div class="MsoNormal" style="text-indent: 0.5in;"><span lang="SV" style="font-size: 10pt;">c) semua penyakit berkaitan telinga, hidung (termasuk sinus) dan tekak</span></div><div class="MsoNormal" style="text-indent: 0.5in;"><span lang="SV" style="font-size: 10pt;">d) Hernias, hemorrhoids, fistulae,hydrocele,varicocele</span></div><div class="MsoNormal" style="text-indent: 0.5in;"><span lang="PT-BR" style="font-size: 10pt;">e) penyakit endometriosis termasuk sistem peranakan</span><span lang="SV" style="font-size: 10pt;"></span></div><div class="MsoNormal" style="text-indent: 0.5in;"><span style="font-size: 10pt;">f) penyakit vertebro-spinal (termasuk disc) dan sakit lutut</span><span lang="SV" style="font-size: 10pt;"></span></div><div class="MsoNormal"><br />
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</div><div class="MsoNormal"><b><span style="font-size: 10pt;"><span style="font-size: small;"><span style="color: red;">7) Pengecualian paling Minimum</span></span></span></b></div><div class="MsoNormal"><span style="font-size: 10pt;">a) Penyakit sedia ada</span></div><div class="MsoNormal"><span style="font-size: 10pt;">b) Penyakit-penyakit tertentu bagi 120 hari pertama</span></div><div class="MsoNormal"><span lang="ES" style="font-size: 10pt;">c) Bagi perubatan atau keadaan fizikal bermula dalam tempoh 30 hari</span><span style="font-size: 10pt;"></span></div><div class="MsoNormal"><span style="font-size: 10pt;">d) Pembedahan plastic/kosmetik, berkhatan, pemeriksaan, dll</span></div><div class="MsoNormal"><span lang="ES" style="font-size: 10pt;">e) Keadaan pergigian kecuali kecederaaan akibat kemalangan</span><span lang="FI" style="font-size: 10pt;"></span></div><div class="MsoNormal"><span lang="ES" style="font-size: 10pt;">f) Jururawat peribadi, rehat pulih</span><span lang="FI" style="font-size: 10pt;"></span></div><div class="MsoNormal"><span lang="ES" style="font-size: 10pt;">g) Rawatan atau masalah pembedahan kongenital</span></div><div class="MsoNormal"><span lang="ES" style="font-size: 10pt;">h) Berkaitan kehamilan, bersalin,keguguran atau pengguguran janin</span></div><div class="MsoNormal"><span lang="ES" style="font-size: 10pt;">i) Kemasukan ke hospital untuk tujuan penyiasatan diagnosis dan pemeriksaan X-ray</span></div><div class="MsoNormal"><br />
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<b><span style="font-size: 9pt;">Jika ada sesiapa yang ingin tahu lebih lanjut boleh la hubungi saya di 012-3022205 </span></b><br />
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<b><span style="font-size: 9pt;">TAKAFUL MEDIC-SAVE RIDER – PERBANDINGAN FAEDAH</span></b><br />
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</div><table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: medium none; margin-left: 5.4pt; width: 588px;"><tbody>
<tr> <td style="background-color: #6aa84f; border: 1pt solid windowtext; padding: 0in 5.4pt; width: 3.25in;" valign="top" width="312"><div class="MsoNormal"><b><span style="font-size: 9pt;">TAKAFUL MEDIC-SAVE RIDER</span></b></div></td> <td style="background-color: #6aa84f; border-color: windowtext windowtext windowtext -moz-use-text-color; border-style: solid solid solid none; border-width: 1pt 1pt 1pt medium; padding: 0in 5.4pt; width: 207pt;" valign="top" width="276"><div class="MsoNormal"><b><span style="font-size: 9pt;">PESAING A</span></b></div></td> </tr>
<tr> <td style="border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; padding: 0in 5.4pt; width: 3.25in;" valign="top" width="312"><div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><span style="font-size: 8pt;">1.<span style="font: 7pt "Times New Roman";"> </span></span><span style="font-size: 8pt;">1 doktor melawat sehari</span></div><div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><span style="font-size: 8pt;">2.<span style="font: 7pt "Times New Roman";"> </span></span><span style="font-size: 8pt;">Selepas kemasukan hospital tidak termasuk Akupuntur</span></div><div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><span style="font-size: 8pt;">3.<span style="font: 7pt "Times New Roman";"> </span></span><span style="font-size: 8pt;">Had Pemindahan Organ Berbeza </span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 207pt;" valign="top" width="276"><div class="MsoNormal"><span style="font-size: 8pt;">Di beri perhatian :</span></div><div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><span style="font-size: 8pt;">1.<span style="font: 7pt "Times New Roman";"> </span></span><span style="font-size: 8pt;">2 doktor melawat sehari</span></div><div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><span style="font-size: 8pt;">2.<span style="font: 7pt "Times New Roman";"> </span></span><span style="font-size: 8pt;">Selepas kemasukan hospital termasuk Akupuntur</span></div><div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><span lang="ES" style="font-size: 8pt;">3.<span style="font: 7pt "Times New Roman";"> </span></span><span lang="ES" style="font-size: 8pt;">Pemindahan organ sehingga AL dan tidak bergantung kepada Ko insuran</span></div></td> </tr>
<tr> <td style="border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; padding: 0in 5.4pt; width: 3.25in;" valign="top" width="312"><div class="MsoNormal"><span style="font-size: 8pt;">Tambahan :</span></div><div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><span style="font-size: 8pt;">1.<span style="font: 7pt "Times New Roman";"> </span></span><span style="font-size: 8pt;">1 doktor melawat sehari</span></div><div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><span style="font-size: 8pt;">2.<span style="font: 7pt "Times New Roman";"> </span></span><span style="font-size: 8pt;">Pembayaran semula yuran laporan Perubatan dan Cukai Kerajaan sebanyak 5%</span></div><div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><span lang="ES" style="font-size: 8pt;">3.<span style="font: 7pt "Times New Roman";"> </span></span><span style="font-size: 8pt;">Rawatan Kecemasa</span><span lang="ES" style="font-size: 8pt;">n Pergigian Kemalangan</span></div><div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><span lang="ES" style="font-size: 8pt;">4.<span style="font: 7pt "Times New Roman";"> </span></span><span lang="ES" style="font-size: 8pt;">Rawatan sakit kecemasan</span></div><div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><span lang="ES" style="font-size: 8pt;">5.<span style="font: 7pt "Times New Roman";"> </span></span><span lang="ES" style="font-size: 8pt;">Perbelanjaan Pengkebumian</span></div><div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><span lang="ES" style="font-size: 8pt;">6.<span style="font: 7pt "Times New Roman";"> </span></span><span lang="ES" style="font-size: 8pt;">Pandangan Kedua Pembedahan (Second Surgical Opinión)</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 207pt;" valign="top" width="276"><div class="MsoNormal"><span lang="ES" style="font-size: 8pt;">Tambahan : </span></div><div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><span lang="DE" style="font-size: 8pt;">1.<span style="font: 7pt "Times New Roman";"> </span></span><span lang="DE" style="font-size: 8pt;">30 hari rawatan susulan di hospital dan klinik</span></div><div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><span lang="DE" style="font-size: 8pt;">2.<span style="font: 7pt "Times New Roman";"> </span></span><span lang="DE" style="font-size: 8pt;">Pemindahan Kecemasan</span></div><div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><span style="font-size: 8pt;">3.<span style="font: 7pt "Times New Roman";"> </span></span><span style="font-size: 8pt;">3.3x hingga 3.68AL Had seumur hidup</span></div></td> </tr>
<tr> <td style="background-color: #3d85c6; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; padding: 0in 5.4pt; width: 3.25in;" valign="top" width="312"><div class="MsoNormal"><b><span style="font-size: 9pt;">TAKAFUL MEDIC-SAVE RIDER</span></b></div></td> <td style="background-color: #3d85c6; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 207pt;" valign="top" width="276"><div class="MsoNormal"><b><span style="font-size: 9pt;">PESAING Pr.</span></b></div></td> </tr>
<tr> <td style="border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; padding: 0in 5.4pt; width: 3.25in;" valign="top" width="312"><div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><span style="font-size: 8pt;">1.<span style="font: 7pt "Times New Roman";"> </span></span><span style="font-size: 8pt;">Pra-kemasukan hospital selama 60 hari. Selepas kemasukan hospital 60 hari</span></div><div class="MsoNormal"><br />
</div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 207pt;" valign="top" width="276"><div class="MsoNormal"><span style="font-size: 8pt;">Sorotan : </span></div><div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><span style="font-size: 8pt;">1.<span style="font: 7pt "Times New Roman";"> </span></span><span style="font-size: 8pt;">Pra-kemasukan hospital 30 hari, selepas kemasukan hospital 90 hari</span></div><div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><span style="font-size: 8pt;">2.<span style="font: 7pt "Times New Roman";"> </span></span><span style="font-size: 8pt;">Kanser dan Buah Pinggang on AL tetapi 10% ko insuran</span></div></td> </tr>
<tr> <td style="border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; padding: 0in 5.4pt; width: 3.25in;" valign="top" width="312"><div class="MsoNormal"><span style="font-size: 8pt;">Tambahan :</span></div><div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><span style="font-size: 8pt;">1.<span style="font: 7pt "Times New Roman";"> </span></span><span style="font-size: 8pt;">Pembayaran semula yuran laporan Perubatan dan Cukai Kerajaan sebanyak 5%</span></div><div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><span style="font-size: 8pt;">2.<span style="font: 7pt "Times New Roman";"> </span></span><span style="font-size: 8pt;">Memberi insuran kepada penjaga</span></div><div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><span lang="ES" style="font-size: 8pt;">3.<span style="font: 7pt "Times New Roman";"> </span></span><span style="font-size: 8pt;">Rawatan K</span><span lang="ES" style="font-size: 8pt;">ecemasan Pergigian Kemalangan</span></div><div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><span lang="ES" style="font-size: 8pt;">4.<span style="font: 7pt "Times New Roman";"> </span></span><span lang="ES" style="font-size: 8pt;">Rawatan sakit kecemasan</span></div><div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><span lang="ES" style="font-size: 8pt;">5.<span style="font: 7pt "Times New Roman";"> </span></span><span lang="ES" style="font-size: 8pt;">Fisioterapi Pesakit Luar</span></div><div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><span lang="ES" style="font-size: 8pt;">6.<span style="font: 7pt "Times New Roman";"> </span></span><span lang="ES" style="font-size: 8pt;">Pemindahan Organ</span></div><div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><span lang="ES" style="font-size: 8pt;">7.<span style="font: 7pt "Times New Roman";"> </span></span><span lang="ES" style="font-size: 8pt;">Perbelanjaan Pengkebumian</span></div><div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><span style="font-size: 8pt;">8.<span style="font: 7pt "Times New Roman";"> </span></span><span style="font-size: 8pt;">Pandangan Ketua Pembedahan (Second Surgical Opinion) </span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 207pt;" valign="top" width="276"><div class="MsoNormal"><span style="font-size: 8pt;">Tambahan : </span></div><div class="MsoNormal"><span style="font-size: 8pt;">Pemindahan Kecemasan</span></div></td> </tr>
<tr> <td style="background-color: #a64d79; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; padding: 0in 5.4pt; width: 3.25in;" valign="top" width="312"><div class="MsoNormal"><b><span style="font-size: 9pt;">TAKAFUL MEDIC-SAVE RIDER</span></b></div></td> <td style="background-color: #a64d79; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 207pt;" valign="top" width="276"><div class="MsoNormal"><b><span style="font-size: 9pt;">PESAING I.</span></b></div></td> </tr>
<tr> <td style="border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; padding: 0in 5.4pt; width: 3.25in;" valign="top" width="312"><div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><span style="font-size: 8pt;">1.<span style="font: 7pt "Times New Roman";"> </span></span><span style="font-size: 8pt;">Tidak termasuk pusat jagaan kanak-kanak</span></div><div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><span lang="DE" style="font-size: 8pt;">2.<span style="font: 7pt "Times New Roman";"> </span></span><span lang="DE" style="font-size: 8pt;">Buah Pinggang, Kanser pada had yang berbeza</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 207pt;" valign="top" width="276"><div class="MsoNormal"><span lang="DE" style="font-size: 8pt;">Sorotan : </span></div><div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><span lang="DE" style="font-size: 8pt;">1.<span style="font: 7pt "Times New Roman";"> </span></span><span lang="DE" style="font-size: 8pt;">Pusat jagaan kanak-kanak</span></div><div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><span style="font-size: 8pt;">2.<span style="font: 7pt "Times New Roman";"> </span></span><span style="font-size: 8pt;">Kanser Buah Pinggang up to AL</span></div></td> </tr>
<tr> <td style="border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; padding: 0in 5.4pt; width: 3.25in;" valign="top" width="312"><div class="MsoNormal"><span lang="DE" style="font-size: 8pt;">Tambahan :</span></div><div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><span lang="DE" style="font-size: 8pt;">1.<span style="font: 7pt "Times New Roman";"> </span></span><span lang="DE" style="font-size: 8pt;">Pembayaran semula yuran Laporan Perubatan dan Cukai Kerajaan sebanyak 5%</span></div><div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><span lang="DE" style="font-size: 8pt;">2.<span style="font: 7pt "Times New Roman";"> </span></span><span lang="DE" style="font-size: 8pt;">Memberi insuran kepada penjaga</span></div><div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><span lang="ES" style="font-size: 8pt;">3.<span style="font: 7pt "Times New Roman";"> </span></span><span lang="DE" style="font-size: 8pt;">Rawatan K</span><span lang="ES" style="font-size: 8pt;">ecemasan Pergigian Kemalangan</span></div><div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><span lang="ES" style="font-size: 8pt;">4.<span style="font: 7pt "Times New Roman";"> </span></span><span lang="ES" style="font-size: 8pt;">Rawatan sakit kecemasan</span></div><div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><span lang="ES" style="font-size: 8pt;">5.<span style="font: 7pt "Times New Roman";"> </span></span><span lang="ES" style="font-size: 8pt;">Fisioterapi Pesakit Luar</span></div><div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><span lang="ES" style="font-size: 8pt;">6.<span style="font: 7pt "Times New Roman";"> </span></span><span lang="ES" style="font-size: 8pt;">Pemindahan Organ</span></div><div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><span lang="ES" style="font-size: 8pt;">7.<span style="font: 7pt "Times New Roman";"> </span></span><span lang="ES" style="font-size: 8pt;">Perbelanjaan Pengkebumian</span></div><div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><span style="font-size: 8pt;">8.<span style="font: 7pt "Times New Roman";"> </span></span><span style="font-size: 8pt;">Pandangan Ketua Pembedahan (Second Surgical Opinion) </span></div><div class="MsoNormal" style="margin-left: 0.25in;"><br />
</div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 207pt;" valign="top" width="276"><div class="MsoNormal"><br />
</div></td> </tr>
<tr> <td style="background-color: #b45f06; border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; padding: 0in 5.4pt; width: 3.25in;" valign="top" width="312"><div class="MsoNormal"><b><span style="font-size: 9pt;">TAKAFUL MEDIC-SAVE RIDER</span></b></div></td> <td style="background-color: #b45f06; border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 207pt;" valign="top" width="276"><div class="MsoNormal"><b><span style="font-size: 9pt;">PESAING Pac</span></b></div></td> </tr>
<tr> <td style="border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; padding: 0in 5.4pt; width: 3.25in;" valign="top" width="312"><div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><span style="font-size: 8pt;">1.<span style="font: 7pt "Times New Roman";"> </span></span><span style="font-size: 8pt;">Tidak termasuk pusat jagaan kanak-kanak</span></div><div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><span style="font-size: 8pt;">2.<span style="font: 7pt "Times New Roman";"> </span></span><span style="font-size: 8pt;">Buah Pinggang, Kanser pada had tinggi yang berbeza</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 207pt;" valign="top" width="276"><div class="MsoNormal"><span style="font-size: 8pt;">Sorotan : </span></div><div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><span style="font-size: 8pt;">1.<span style="font: 7pt "Times New Roman";"> </span></span><span style="font-size: 8pt;">Pusat jagaan kanak-kanak</span></div><div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><span style="font-size: 8pt;">2.<span style="font: 7pt "Times New Roman";"> </span></span><span style="font-size: 8pt;">Kanser dan Buah Pinggang pada had rendah dan faedah yang terhad bagi kanser</span></div><div class="MsoNormal" style="margin-left: 0.25in;"><br />
</div></td> </tr>
<tr> <td style="border-color: -moz-use-text-color windowtext windowtext; border-style: none solid solid; border-width: medium 1pt 1pt; padding: 0in 5.4pt; width: 3.25in;" valign="top" width="312"><div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><span lang="ES" style="font-size: 8pt;">1.<span style="font: 7pt "Times New Roman";"> </span></span><span lang="ES" style="font-size: 8pt;">Rawatan sakit kecemasan</span></div><div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><span lang="ES" style="font-size: 8pt;">2.<span style="font: 7pt "Times New Roman";"> </span></span><span lang="ES" style="font-size: 8pt;">Fisioterapi Pesakit Luar</span></div><div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><span lang="ES" style="font-size: 8pt;">3.<span style="font: 7pt "Times New Roman";"> </span></span><span lang="ES" style="font-size: 8pt;">Perbelanjaan Pengkebumiam</span></div><div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><span style="font-size: 8pt;">4.<span style="font: 7pt "Times New Roman";"> </span></span><span style="font-size: 8pt;">Pandangan Ketua Pembedahan (Second Surgical Opinion</span></div></td> <td style="border-color: -moz-use-text-color windowtext windowtext -moz-use-text-color; border-style: none solid solid none; border-width: medium 1pt 1pt medium; padding: 0in 5.4pt; width: 207pt;" valign="top" width="276"><div class="MsoNormal"><span style="font-size: 8pt;">Tambahan : </span></div><div class="MsoNormal" style="margin-left: 0.5in; text-indent: -0.25in;"><span style="font-size: 8pt;">1.<span style="font: 7pt "Times New Roman";"> </span></span><span style="font-size: 8pt;">rawatan Perubatan tradisional</span></div><div class="MsoNormal" style="margin-left: 0.25in;"><br />
</div><div class="MsoNormal"><br />
</div></td> </tr>
</tbody></table>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-512630677003217549.post-67977108189711747522010-10-01T03:39:00.000-07:002010-10-04T18:47:31.339-07:00Bina Kerjaya Dengan Kami<div style="color: red; text-align: center;"><span style="font-size: large;">Cerita dari saudara Azizam. salah seorang Wakil Takaful</span></div><br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><img border="0" height="224" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgRCQq2hPBRu1GE5FtMCBvag51x_4JwCcRPgRyckcnx0N8fGdj0RWP3hK7hpo2SrzbMrT3YSszETPMxNqxuPTH6VPa3llk5eCurdeaDo8v_bJ-uQDY4Fzt5Mw0BEMaYSUMOo1YMX3gkJr5e/s320/tour2.JPG" style="margin-left: auto; margin-right: auto;" width="320" /></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span class="style11">Di puncak <span id="lw_1257776323_1" style="-moz-background-inline-policy: -moz-initial; background: none repeat scroll 0% 0% transparent; cursor: pointer;">Table Mountain</span>, Afrika Selatan pada tahun 2007<br />
</span> </td><td class="tr-caption" style="text-align: center;"><span class="style11"></span></td></tr>
</tbody></table><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgRCQq2hPBRu1GE5FtMCBvag51x_4JwCcRPgRyckcnx0N8fGdj0RWP3hK7hpo2SrzbMrT3YSszETPMxNqxuPTH6VPa3llk5eCurdeaDo8v_bJ-uQDY4Fzt5Mw0BEMaYSUMOo1YMX3gkJr5e/s1600/tour2.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"></a></div>Siapa kata jadi Wakil Takaful tidak boleh cari makan, sara anak bini, bayar hutang rumah, bayar hutang kereta, simpanan duit bulan bulan?<br />
<div class="style1"><br />
"Alah!!! Buat takaful siang malam pun bukan boleh jadi kaya" kata kata sindiran tajam yang menikam ini masih lagi terdegar degar di kedua belah telingga aku. Disaat aku hendak mula menjadi Wakil Takaful. Pelbagai cabaran aku terpaksa tempuhi. Bukan galakkan yang mereka beri, tetapi sindiran yang aku terima.<br />
<br />
Halangan dan sindiran dari kawan kawan nyaris nyaris melemahkan semangat kejantanan aku. Nasib baik aku tak terikut kata kata mereka. Kalau tidak entahlah apa yang akan terjadi, aku mungkin tidak akan menjadi seperti mana yang anda dapat lihat hari ini.<br />
<br />
Aku bukan tidak bersyukur dengan pemberian daripada-Nya, Cuma aku ingin ingatkan kepada semua pembaca yang budiman bahawa rezeki ada dimana mana asalkan kita rajin berusaha dan konsisten dengan apa yang kita lakukan. Jangan tamak dan bersyukurlah di atas pemberian-Nya. Kalau kita hendak buat sesuatu. Buatlah dengan bersungguh sungguh. Tidak semestinya menjadi wakil takaful sahaja boleh kaya. Ada yang cari besi buruk pun boleh pakai Mercedes. Asalkan rajin dan sabar</div><div class="style1"></div><div class="style1"></div><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><img border="0" height="234" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhlD9fcs1QURE5Dz3gvuWCpw5eN_mWuA25IKWNFRNgbgGyKT3cgehAeXzL1W-IfdscRU1riTuSHf_GioMWn6k5gCtd8Mit4hFBSvb-Yzc8bqdgSMT5hUImskR1_mN16RvBkgTCvWOVN-2Lt/s320/hk1.jpg" style="margin-left: auto; margin-right: auto;" width="320" /></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Azizam Saidina Othman ketika bercuti bersama keluarga di kota <span id="lw_1254106939_2">Hong Kong</span> pada bulan Julai 2009</td></tr>
</tbody></table><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhlD9fcs1QURE5Dz3gvuWCpw5eN_mWuA25IKWNFRNgbgGyKT3cgehAeXzL1W-IfdscRU1riTuSHf_GioMWn6k5gCtd8Mit4hFBSvb-Yzc8bqdgSMT5hUImskR1_mN16RvBkgTCvWOVN-2Lt/s1600/hk1.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"></a></div><div class="style1"><br />
Kadang kadang kita perlu pekakkan telingga dengan nasihat yang kurang berguna untuk lebih berjaya. Andai nasihat itu datang dari orang yang telah berjaya atau telah mencuba tetapi kurang berhasil perlu juga kita menelitilinya. Tetapi, kalau nasihat itu datang dari mereka yang tidak pernah berusaha untuk mencuba tidak perlulah kita membuang masa dengan mendengarnya... lebih baik masa itu kita gunakan dengan menjalankan aktiviti yang telah kita rancangkan.<br />
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Sebelum aku terlibat dengan industri takaful. Aku pernah bekerja sebagai operator kilang, promoter di supermarket, peniaga pasar malam dan pelbagai kerja kampung.</div><div class="style1"><br />
Dulu, aku buat takaful naik motor sahaja. Dengan motosikal inilah beliau menjalankan perniagaan takaful dari rumah ke rumah, dari kedai ke kedai, dari kilang ke kilang, dari sekolah ke sekolah, dari universiti ke universiti. Senang cakap, seluruh negeri Kedah, Perlis dan Pulau Pinang aku telah menjelajah untuk memperkenalkan pelan perlindungan takaful kepada seluruh masyarakat melayu pada ketika itu. <br />
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Tak payah le nak bagi macam macam alasan. Aku naik motor pun boleh buat takaful, orang jalan kaki pun boleh buat takaful. Tak kan anda yang sihat tubuh badan dan ada ijazah dan diploma pula tu tak boleh buat?<br />
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Disaat anda sedang asyik membaca laman web ini aku sebenarnya tidak lagi menunggang motosikal Yamaha 100 sport untuk menjalankan perniagaan takaful keluarga, tidak lagi menumpang hidup di rumah kedua orang tua aku. Aku kini mampu memandu pelbagai jenis kenderaan mewah dan mampu juga mendiami rumah yang bernilai jutaan ringgit hasil perniagaan ini. <br />
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Bagi memastikan masa depan aku sentiasa terjamin. Aku telah melabur sebahagian dari pendapatan aku dalam beberapa sektor. Antaranya adalah hartanah. Aku dah boleh beli beberapa buah Rumah, Rumah Kedai, Kedai pejabat dan tanah yang bernilai jutaan ringgit disekitar kawasan utara.<br />
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Mana tahu mungkin selepas ini giliran anda pula untuk bergelar jutawan Melayu yang seterusnya. Didalam dunia ini tidak ada yang mustahil. Kita diberi akal dan fikiran untuk berfikir, kita diberi tenaga untuk bekerja keras, kita diberi ruang dan kesempatan untuk maju dan berjaya</div><div class="style1">Ingat!!! Anda tidak perlu menjadi Superman, Spiderman, Batman mahupun Cicakman untuk menjadi Jutawan Melayu. Jadilah diri anda yang sebenarnya kerana didalam diri anda sudah ada segala galanya untuk bergelar jutawan Melayu yang seterusnya. Tapi sayang, anda tidak berani untuk mengubah hidup anda, anda tidak berani membuat keputusan, anda tidak berani menjadi usahawan, anda takut gagal, anda takut dicemuh orang lain, anda malu dengan kawan kawan anda sekiranya anda menjadi Usahawan Takaful? <br />
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Dari apa yang anda baca diatas. Sebenarnya aku hanya bersekolah setakat tingkatan 5 sahaja bukan lulusan luar negeri jauh sekali masuk Universiti. Tapi, kenapa aku boleh berjaya? Kerana aku tidak mempunyai pilihan lain kecuali berniaga atau menjadi Wakil Takaful Keluarga. Apa bisnes yang boleh aku buat? Hanya bisnes yang memerlukan modal yang minima tetapi memberikan keuntungan yang maksima yang termampu aku lakukan, kerana aku tidak berpelajaran tinggi untuk mengurus syarikat gergasi.<br />
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Aku mengumpul pendapatan setiap bulan untuk dijadikan modal tanpa meminjam dari bank mahupun kerajaan dan tidak mustahil suatu hari nanti aku akan menjadi lebih hebat dari apa yang anda semua baca, lihat dan dengar hari ini. InsyaAllah...segala galanya adalah belas ehsan daripada-Nya diatas ikhtiar, usaha dan keyakinan yang tidak pernah berbelah bagi untuk mengubah taraf hidup aku sekeluarga.<br />
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Seiapa kata jadi wakil takaful tidak boleh cari makan? Aku sudah buktikan bahawa segulung ijazah, segenggam diploma bukan segala galanya. Hanya usaha yang tidak pernah kenal makna erti berputus asa dan tawakal kepada Allah adalah azimat yang paling baik dalam hidup kita.<br />
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Marilah kita bersama sama mereka yang telah berjaya mencorak masa depan generasi bangsa Melayu ( Islam ) ke arah yang lebih baik dan dihormati oleh orang lain dan mendapat keberkatan rezeki di dunia dan akhirat.</div><div class="style1">Untuk pengetahuan anda. Ada wakil takaful keluarga mempunyai pendapatan bulanan melebihi RM500,000.00 sebulan. Siapa mereka itu? Mereka itu mungkin berada disekitar anda sahaja. Cuma anda tidak mengenalinya...</div><br />
<span class="style1">Gambar gambar disertakan ini aku tunjukkan bukan untuk menunjuk nunjuk..Sekadar memberi sedikit bukti bahawa menjadi wakil takaful boleh juga cari makan</span>.<br />
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<div class="style1" style="background-color: red; text-align: center;"><u><span class="style8"><span style="font-size: large;"> Tahukah anda?</span></span></u></div><div class="style1"><br />
</div><div class="style1">Etiqa Takaful berhad sentiasa membuka peluang kepada sesiapa sahaja untuk menjadi <b style="color: red;">WAKIL TAKAFUL KELUARGA </b></div><div class="style7"><br />
</div><div class="style7">Tahukah anda, Ganjaran yang ditawarkan kepada anda merupakan antara yang tertinggi di Malaysia?</div><div class="style1"><span class="style7">Ganjaran yang ditawarkan kepada anda</span></div><ul><li class="style2"> <span style="color: red;">Pendapatan yang tidak terhad</span></li>
<li class="style2" style="color: red;"> Waktu kerja yang fleksibel</li>
<li class="style2" style="color: red;"> Pakej komisen, bonus dan insentif yang menarik</li>
<li class="style2" style="color: red;"> Pengiktirafan diatas pencapaian</li>
</ul><div class="style1">Jika anda berjaya mendapatkan 10 perniagaan baru pada setiap bulan dan setiap peserta takaful keluarga mencarum RM100.00 sebulan. Maka anda akan menerima komisen seperti berikut:-</div><div class="style2">Ilustrasi komisen:</div><table align="center" border="1" cellpadding="0" cellspacing="0"><tbody>
<tr> <td class="style1" valign="top" width="76"><div align="center">Bulan</div></td> <td class="style1" valign="top" width="71"><div align="center">Kes* </div></td> <td class="style1" valign="top" width="80"><div align="center">RM/Kes</div></td> <td class="style1" valign="top" width="110"><div align="center">Sumbangan Terkumpul</div></td> <td class="style1" valign="top" width="75"><div align="center">X 35%</div></td> <td class="style1" valign="top" width="87">Kenaikan Komisen</td> <td class="style1" valign="top" width="92"><div align="center">Komisen terkumpul</div></td> </tr>
<tr> <td class="style1" valign="top" width="76"><div align="center">1</div></td> <td class="style1" valign="top" width="71"><div align="center">10</div></td> <td class="style1" valign="top" width="80"><div align="center">100</div></td> <td class="style1" valign="top" width="110"><div align="center">1000</div></td> <td class="style1" valign="top" width="75"><div align="center">350</div></td> <td class="style1" valign="top" width="87"><div align="center">350</div></td> <td class="style1" valign="top" width="92"><div align="center">350</div></td> </tr>
<tr> <td class="style1" valign="top" width="76"><div align="center">2</div></td> <td class="style1" valign="top" width="71"><div align="center">10</div></td> <td class="style1" valign="top" width="80"><div align="center">100</div></td> <td class="style1" valign="top" width="110"><div align="center">1000</div></td> <td class="style1" valign="top" width="75"><div align="center">350</div></td> <td class="style1" valign="top" width="87"><div align="center">350</div></td> <td class="style1" valign="top" width="92"><div align="center">700</div></td> </tr>
<tr> <td class="style1" valign="top" width="76"><div align="center">3</div></td> <td class="style1" valign="top" width="71"><div align="center">10</div></td> <td class="style1" valign="top" width="80"><div align="center">100</div></td> <td class="style1" valign="top" width="110"><div align="center">1000</div></td> <td class="style1" valign="top" width="75"><div align="center">350</div></td> <td class="style1" valign="top" width="87"><div align="center">350</div></td> <td class="style1" valign="top" width="92"><div align="center">1,050</div></td> </tr>
<tr> <td class="style1" valign="top" width="76"><div align="center">4</div></td> <td class="style1" valign="top" width="71"><div align="center">10</div></td> <td class="style1" valign="top" width="80"><div align="center">100</div></td> <td class="style1" valign="top" width="110"><div align="center">1000</div></td> <td class="style1" valign="top" width="75"><div align="center">350</div></td> <td class="style1" valign="top" width="87"><div align="center">350</div></td> <td class="style1" valign="top" width="92"><div align="center">1,400</div></td> </tr>
<tr> <td class="style1" valign="top" width="76"><div align="center">5</div></td> <td class="style1" valign="top" width="71"><div align="center">10</div></td> <td class="style1" valign="top" width="80"><div align="center">100</div></td> <td class="style1" valign="top" width="110"><div align="center">1000</div></td> <td class="style1" valign="top" width="75"><div align="center">350</div></td> <td class="style1" valign="top" width="87"><div align="center">350</div></td> <td class="style1" valign="top" width="92"><div align="center">1,750</div></td> </tr>
<tr> <td class="style1" valign="top" width="76"><div align="center">6</div></td> <td class="style1" valign="top" width="71"><div align="center">10</div></td> <td class="style1" valign="top" width="80"><div align="center">100</div></td> <td class="style1" valign="top" width="110"><div align="center">1000</div></td> <td class="style1" valign="top" width="75"><div align="center">350</div></td> <td class="style1" valign="top" width="87"><div align="center">350</div></td> <td class="style1" valign="top" width="92"><div align="center">2,100</div></td> </tr>
<tr> <td class="style1" valign="top" width="76"><div align="center">7</div></td> <td class="style1" valign="top" width="71"><div align="center">10</div></td> <td class="style1" valign="top" width="80"><div align="center">100</div></td> <td class="style1" valign="top" width="110"><div align="center">1000</div></td> <td class="style1" valign="top" width="75"><div align="center">350</div></td> <td class="style1" valign="top" width="87"><div align="center">350</div></td> <td class="style1" valign="top" width="92"><div align="center">2,450</div></td> </tr>
<tr> <td class="style1" valign="top" width="76"><div align="center">8</div></td> <td class="style1" valign="top" width="71"><div align="center">10</div></td> <td class="style1" valign="top" width="80"><div align="center">100</div></td> <td class="style1" valign="top" width="110"><div align="center">1000</div></td> <td class="style1" valign="top" width="75"><div align="center">350</div></td> <td class="style1" valign="top" width="87"><div align="center">350</div></td> <td class="style1" valign="top" width="92"><div align="center">2,800</div></td> </tr>
<tr> <td class="style1" valign="top" width="76"><div align="center">9</div></td> <td class="style1" valign="top" width="71"><div align="center">10</div></td> <td class="style1" valign="top" width="80"><div align="center">100</div></td> <td class="style1" valign="top" width="110"><div align="center">1000</div></td> <td class="style1" valign="top" width="75"><div align="center">350</div></td> <td class="style1" valign="top" width="87"><div align="center">350</div></td> <td class="style1" valign="top" width="92"><div align="center">3,150</div></td> </tr>
<tr> <td class="style1" valign="top" width="76"><div align="center">10</div></td> <td class="style1" valign="top" width="71"><div align="center">10</div></td> <td class="style1" valign="top" width="80"><div align="center">100</div></td> <td class="style1" valign="top" width="110"><div align="center">1000</div></td> <td class="style1" valign="top" width="75"><div align="center">350</div></td> <td class="style1" valign="top" width="87"><div align="center">350</div></td> <td class="style1" valign="top" width="92"><div align="center">3,500</div></td> </tr>
<tr> <td class="style1" valign="top" width="76"><div align="center">11</div></td> <td class="style1" valign="top" width="71"><div align="center">10</div></td> <td class="style1" valign="top" width="80"><div align="center">100</div></td> <td class="style1" valign="top" width="110"><div align="center">1000</div></td> <td class="style1" valign="top" width="75"><div align="center">350</div></td> <td class="style1" valign="top" width="87"><div align="center">350</div></td> <td class="style1" valign="top" width="92"><div align="center">3,850</div></td> </tr>
<tr> <td class="style1" valign="top" width="76"><div align="center">12</div></td> <td class="style1" valign="top" width="71"><div align="center">10</div></td> <td class="style1" valign="top" width="80"><div align="center">100</div></td> <td class="style1" valign="top" width="110"><div align="center">1000</div></td> <td class="style1" valign="top" width="75"><div align="center">350</div></td> <td class="style1" valign="top" width="87"><div align="center">350</div></td> <td class="style1" valign="top" width="92"><div align="center">4,200</div></td> </tr>
</tbody></table><div align="center" class="style9">* 1 Pelanggan ditakrifkan sebagai 1 Kes</div><div class="style1">Selepas 12 bulan anda menjalankan perniagaan takaful keluarga. Anda akan menerima pendapatan bulanan sebanyak RM4,200 setiap bulan.</div><div align="center" class="style2"><span style="color: blue; font-size: large;"><i>1 Jualan akan menjana<br />
6 tahun pendapatan bulanan<br />
Dengan 110% keuntungan </i></span></div><div align="center" class="style2"><br />
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</div><div class="style8"><span class="style7">Tahukah anda, selain dari pelan takaful keluarga anda juga berpeluang untuk memasarkan produk perbankan seperti Kad Ikhwan.</span> </div><div align="center" class="style1"><span style="color: orange;">Komisyen bagi setiap Kad yang diluluskan:</span></div><table align="center" border="1" cellpadding="0" cellspacing="0"><tbody>
<tr> <td valign="top" width="118"><div align="center" class="style1"><b>Kad</b></div></td> <td valign="top" width="118"><div align="center" class="style1">Visa Platinum</div></td> <td valign="top" width="118"><div align="center" class="style1">Visa Emas</div></td> <td valign="top" width="118"><div align="center" class="style1">Amex Platinum</div></td> <td valign="top" width="118"><div align="center" class="style1">Amex Emas</div></td> </tr>
<tr> <td valign="top" width="118"><div align="center" class="style1"><b>Komisen</b></div></td> <td valign="top" width="118"><div align="center" class="style1">RM140.00</div></td> <td valign="top" width="118"><div align="center" class="style1">RM80.00</div></td> <td valign="top" width="118"><div align="center" class="style1">RM140.00</div></td> <td valign="top" width="118"><div align="center" class="style1">RM80.00</div></td> </tr>
</tbody></table><div class="style1"><br />
Berapa ramai saudara mara anda, sahabat baik anda, jiran taulan anda yang masih mengunakan Kad Kredit Konvensional yang terlibat dengan sistem RIBA? Anda sendiri boleh fikir...Jika anda boleh buat 60 jualan kad bayangkan berapa komisen Kad Ikhwan sahaja setiap bulan</div><div class="style1"><span class="style7"> 60 Maybank Islamic Ikhwan Card X RM80 = RM4,800.00</span></div><div class="style1"><br />
</div><div align="center" class="style1"><img height="7" src="http://www.jutawantakaful.com/images/line.jpg" width="651" /></div><div class="style8"><br />
</div><div class="style8">Tahukah anda, mungkin anda yang kami cari?</div><div class="style1">Kami sedang mencari individu yang dinamik, muda dan bersemangat tinggi yang ingin mengusahakan perniagaan Takaful Keluarga secara sambilan atau sepenuh masa.<br />
<br />
Jika anda…</div><ul><li class="style1"> Beragama Islam</li>
<li class="style1"> Memiliki sekurang kurangnya SPM</li>
<li class="style1"> Terbuka kepada Lelaki dan wanita </li>
<li class="style1"> Berusia 23 hingga 45 tahun pada tarikh permohonan</li>
<li class="style1"> Dan, bersemangat untuk menjadi usahawan takaful keluarga yang berjaya</li>
<li class="style1"> Anda merupakan insan istimewa yang kami cari selama ini</li>
</ul><div class="style1"><span class="style8">Tahukah anda, Apa tindakkan anda seterusnya?</span></div><div class="style1">Jika anda berminat dan sanggup menghadapi cabaran didalam industri Takaful. Anda boleh emailkan <b>resume kepada kami di: hfpagency@gmail.com</b></div><div class="style1"><br />
</div><div class="style1"><b>Pihak kami akan memanggil temuduga:</b></div><div class="style1"><b><br />
</b></div><div class="style1"><b>Sila bawa dokumen berikut semasa sesi temuduga</b></div><div class="style1"><b>1. 1 salinan sijil SPM<br />
2. 1 salinan Kad Pengenalan<br />
3. 1 salinan buku atau penyata akaun Maybank </b></div><div class="style1"><b>4. 4 keping gambar bewarna bersaiz KP ( Bertali leher untuk lelaki dan bertudung untuk wanita )</b><br />
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Serta membawa:-</div><div class="style2">1. RM10.00 untuk setem hasil<br />
2. RM15.00 untuk menjadi ahli Persatuan Takaful malaysia<br />
3. RM20.00 untuk membeli buku Asas Wakil Takaful<br />
4. RM50.00 untuk pendaftaran Peperiksaan Asas Wakil Takaful</div><div class="style2"><br />
</div><div align="center" class="style1"><i>Setiap calon wakil takaful keluarga mestilah lulus Peperiksaan Asas Wakil Takaful keluarga. </i></div><div align="center" class="style1"></div><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiZp0eI_ApP5W3xeMRR9wlUmByh7gRWXQuRu9BaM7crWgsh8hMWuizgWgzGTWNtpt6gVH6FZSsCQrBGbXgn3tQ4Mv9BRwZcVqltdUHI5FHs9OpWkuhSL1ePNBQac-xHwMlJijaT5yHxu36d/s320/IMG_0449.JPG" style="margin-left: auto; margin-right: auto;" width="320" /></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Business planning 2010</td></tr>
</tbody></table><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiZp0eI_ApP5W3xeMRR9wlUmByh7gRWXQuRu9BaM7crWgsh8hMWuizgWgzGTWNtpt6gVH6FZSsCQrBGbXgn3tQ4Mv9BRwZcVqltdUHI5FHs9OpWkuhSL1ePNBQac-xHwMlJijaT5yHxu36d/s1600/IMG_0449.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"></a></div><div align="center" class="style1"></div><div align="center" class="style1"></div><div align="center" class="style1"></div><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiV6XKT4hog416Fe8oVYzeY2K8rgpv0BXYuX10NUjnwV8QOAn5KE2ClngWM_4-dn-SkYVpeA1vELgkd0vN_OvpeTgdBok0tEa1EHz6ba94NQyvIMHGcHZuJzB272OGEDbIDR0OfHg9LgjBT/s320/IMG_2743.JPG" style="margin-left: auto; margin-right: auto;" width="320" /></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Lawatan ke afrika selatan bersama saudara azizam (penulis)</td></tr>
</tbody></table><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiV6XKT4hog416Fe8oVYzeY2K8rgpv0BXYuX10NUjnwV8QOAn5KE2ClngWM_4-dn-SkYVpeA1vELgkd0vN_OvpeTgdBok0tEa1EHz6ba94NQyvIMHGcHZuJzB272OGEDbIDR0OfHg9LgjBT/s1600/IMG_2743.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"></a></div><br />
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<tr><td style="text-align: center;"><img border="0" height="213" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEihqxa4NNkaNH4OdDfWypx_gayIffnqk-2jAori0AGNsGN2JxQ9jW4ZNh-0SRLi2aG6RHeufASzqWgOtjykcoc2LbjcAY8F3hvhU3A_Gmbj0zZayz6EcG7WIxlCO2m3oGH0Y3oWiPJ9Ma91/s320/IMG_1477.JPG" style="margin-left: auto; margin-right: auto;" width="320" /></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Lawatan ke uzbekz 2009</td></tr>
</tbody></table><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEihqxa4NNkaNH4OdDfWypx_gayIffnqk-2jAori0AGNsGN2JxQ9jW4ZNh-0SRLi2aG6RHeufASzqWgOtjykcoc2LbjcAY8F3hvhU3A_Gmbj0zZayz6EcG7WIxlCO2m3oGH0Y3oWiPJ9Ma91/s1600/IMG_1477.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"></a></div><div align="center" class="style1"><br />
<div style="color: blue;"><span style="font-size: large;">Untuk maklumat lanjut hubungi:</span></div><div style="color: blue;"><span style="font-size: large;">Salleh Tahir</span></div><div style="color: blue;"><span style="font-size: large;">h/p: 012-3022205</span></div><span style="font-size: large;"><span style="color: blue;">email: hfpagency@gmail.com</span></span><br />
<img height="124" src="http://www.jutawantakaful.com/images/yuran.jpg" width="544" /></div><div align="center" class="style2"><br />
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</div>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-512630677003217549.post-29218134197639854552010-09-30T20:07:00.000-07:002012-07-10T04:17:29.765-07:00Beli Insurans Kereta & Road Tax online Disini<div class="style3"><b><i>Kelebihan:</i> <span class="style4">Online</span></b> </div><ul><li class="style1">Dibuka 24 jam sehari, 7 hari seminggu</li>
<li class="style1">Nota lindung kenderaan anda dikeluarkan serta di hantar ke alamat email anda</li>
<li class="style1">CUKAI JALAN boleh diperbaharui disini secara online tanpa geran kenderaan (kenderaan tanpa senarai hitam JPJ sahaja, jika senarai hitam, sila bayar saman dahulu) dan kami akan pos CUKAI JALAN ke alamat kediaman atau pejabat seperti yang anda nyatakan.</li>
<li class="style1">Kaedah bayaran <b class="style18">TAKAFUL</b> dan <b class="style18">CUKAI JALAN</b> melalui Maybank2u, Cimbcliks @ masukkan duit ke dalam akaun kami </li>
</ul><b><span class="style17">Anda Jimat Masa Dan Tenaga</span></b><br />
<ul><li>Anda tidak perlu lagi ke pejabat <span class="style18">TAKAFUL</span> semata mata untuk mendapatkan takaful kenderaan anda</li>
<li>Anda tidak perlu lagi ke Pejabat <b class="style18">POS</b> atau <b class="style18">JPJ</b> untuk memperbaharui <b class="style18">CUKAI JALAN</b> kenderaan anda kerana semua kemudahan ini berada di <b class="style18">Holistic Financial Planner Agency</b></li>
</ul><div class="style3"><div style="color: red; text-align: center;"><br />
</div><div style="color: red; text-align: center;"><span style="font-size: large;"><b>Bagaimana cara membelinya?</b></span></div><br />
<b>A. Pelanggan Baru </b></div>1. Faks kan salinan geran kereta dan no telefon anda ke 03-89 22 33 23 / emailkan / sms alamat email anda ke adminhfpa@gmail.com : nanti kami akan emailkan <i>Borang Pelanggan Baru</i>. <br />
2. Selepas kami terima dokumen tersebut: Harga insurans (mengikut harga pasaran kereta) akan diberitahu melalui telefon.<br />
3. Bila insurans sudah siap. Anda boleh membuat bayaran ke akaun Bank Kami.<br />
4. kami akan emailkan Polisi Original ke alamat email anda. <br />
5. Cukai Jalan akan sampai dalam masa 2 hari bekerja.<br />
<br />
<b>B. Pelanggan Sedia ada/tahun ke-2 keatas</b><br />
1. Beritahu pihak kami, anda ingin pembaharui insurans kereta.<br />
2. Kami akan kira harga, anda setuju, anda buat pembayaran dan kami akan emailkan Polisi Original.<br />
3. Cukai Jalan akan sampai dalam masa 2 hari bekerja.<br />
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<div style="color: red;"><span style="font-size: large;">MAKLUMAT PENTING: </span></div><span style="font-size: large;">* Tel/Faks 03- 89 22 33 23 (Dari 8.30 pg - 6.00 ptg)</span><br />
<span style="font-size: large;">* H/P: 012 3022205 ( Dari 8.30 pg - 10.00 mlm)</span><br />
<span style="font-size: large;">* Akaun Bank: <span style="font-size: small;">Atas nama</span> <i><b>Holistic Financial Planner Agency</b></i></span><br />
<span style="font-size: large;">Maybank : 5628 3460 4650 </span><br />
<span style="font-size: large;">Cimb : 1215 0000 0471 07</span><br />
<div align="center" class="style3"><img height="6" src="http://www.kedaitakaful.com/images/border.jpg" width="650" /></div><div align="center" class="style3"><span class="style7"><br />
</span></div><div align="center"><b>Diunderait oleh syarikat takaful No 1 di Malaysia</b><br />
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<img height="81" src="http://www.kedaitakaful.com/images/logo.jpg" width="200" /></div>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-512630677003217549.post-65525150043926731282010-09-20T23:18:00.000-07:002010-09-30T18:58:45.297-07:00Perkhidmatan disediakanJUALAN PRODUK<br />
<ol><li>Takaful keluarga</li>
<li>Takaful Pendidikan</li>
<li>Takaful Kenderan/AM</li>
<li>Unit trust - public mutual</li>
<li>Wasiat islam</li>
</ol><br />
PERKHIDMATAN PERUNDINGAN & NASIHAT<br />
<br />
<ol><li>Perancangan pelan persaraan</li>
<li>Pengurusan harta pusaka</li>
<li>Perancangan hutang (bank, kad kredit dll)</li>
</ol><ol><li><iframe align="left" frameborder="0" marginheight="0" marginwidth="0" scrolling="no" src="http://rcm.amazon.com/e/cm?t=holisti0b-20&o=1&p=8&l=bpl&asins=096941949X&fc1=000000&IS2=1&lt1=_blank&m=amazon&lc1=0000FF&bc1=000000&bg1=FFFFFF&f=ifr" style="height: 245px; padding-right: 10px; padding-top: 5px; width: 131px;"></iframe><iframe align="left" frameborder="0" marginheight="0" marginwidth="0" scrolling="no" src="http://rcm.amazon.com/e/cm?t=holisti0b-20&o=1&p=8&l=bpl&asins=1402743416&fc1=000000&IS2=1&lt1=_blank&m=amazon&lc1=0000FF&bc1=000000&bg1=FFFFFF&f=ifr" style="height: 245px; padding-right: 10px; padding-top: 5px; width: 131px;"></iframe><iframe align="left" frameborder="0" marginheight="0" marginwidth="0" scrolling="no" src="http://rcm.amazon.com/e/cm?t=holisti0b-20&o=1&p=8&l=bpl&asins=193351289X&fc1=000000&IS2=1&lt1=_blank&m=amazon&lc1=0000FF&bc1=000000&bg1=FFFFFF&f=ifr" style="height: 245px; padding-right: 10px; padding-top: 5px; width: 131px;"></iframe> </li>
</ol><br />
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<ol></ol><ol></ol>Unknownnoreply@blogger.com