Monday, March 17, 2008

KURNIAAN ILAHI



Alhamdulillah.... Kurniaan Ilahi pada tanggal 5 Mac 2008 (Rabu) pada jam 2.21 pagi di Hospital Serdang. Nama diberi Nur Aina Balqish. Berat 2.74kg - Normal

Sunday, November 11, 2007

Sunday, October 7, 2007


TAKAFUL CONCEPT IN MEDICAL & HEALTH

The takaful concept is to help each other in their respective times of need. The same idea is applied to medical and health takaful.
As a participant in this plan, you make a participative contribution (tabarru’) which will be used to aid the participants who need financial help in managing the cost of private medical care, such as hospitalisation or being diagnosed with an illness.

Medical and health takaful gives you cover for the cost of private medical treatment, like hospitalisation, surgery and treatment, if you are diagnosed with certain illnesses or are involved in an accident. The cover acts as a stand-alone policy or can be added to a basic family takaful plan, providing better coverage and benefits from both policies.

Medical and health takaful is offered through individual or group plans. However, an individual plan generally costs more than a group takaful plan. Therefore, you need to be very careful when choosing a cover that best suits your needs by understanding the product features, conditions, benefits, limitations and exclusions of the takaful plan. Don't be pressured into buying more than you need.

It is important that you understand the terms used in medical and health takaful. If you have any doubts about the meanings of these terms, you should ask your agent or the takaful operator. As the certificate is a legal contract, the meanings used in the certificate will apply when a claim is made.

Friday, October 5, 2007

Child Education Takaful Plan (CETP)


Child Education Takaful Plan (CETP) provides you with protection and long-term savings to finance the higher education expenses of your child. The plan will provide your child with financial benefits if you suffer any set back covered under the plan. The plan also gives your child long-term savings (or education fund),that your child can use to continue his/her studies.

Participating in a CETP also makes you eligible for personal tax relief of up to a maximum of RM3,000 per year for the combination of both medical and education plans. A family takaful rider or an extension of basic coverage for both you and your child is also available. The rider provides coverage against personal accident and disability, hospitalisation benefits, funeral expenses and critical illnesses.

Salient Features

i) Open to all individuals aged 18 to 55 years and children aged between 15 days to 17 years

ii) Limited choice of maturity periods

iii) No forfeiture in the event of cancellation

iv) Facility for part-withdrawal.

v) Surplus sharing with takaful operator.

vi) Provide long-term savings and investment