Saturday, August 2, 2025

PRIVCY LINK KAK JUHANA

  This Privacy Policy describes Our policies and procedures on the collection,


use and disclosure of Your information when You use the Service and tells You

about Your privacy rights and how the law protects You.



We use Your Personal data to provide and improve the Service. By using the

Service, You agree to the collection and use of information in accordance with

this Privacy Policy. This Privacy Policy has been created with the help of the

[Free Privacy Policy Generator](https://www.freeprivacypolicy.com/free-

privacy-policy-generator/).



Interpretation and Definitions  

==============================



Interpretation  

--------------



The words of which the initial letter is capitalized have meanings defined

under the following conditions. The following definitions shall have the same

meaning regardless of whether they appear in singular or in plural.



Definitions  

-----------



For the purposes of this Privacy Policy:



  * Account means a unique account created for You to access our Service or

    parts of our Service.



  * Affiliate means an entity that controls, is controlled by or is under

    common control with a party, where "control" means ownership of 50% or

    more of the shares, equity interest or other securities entitled to vote

    for election of directors or other managing authority.



  * Company (referred to as either "the Company", "We", "Us" or "Our" in this

    Agreement) refers to mzariff.



  * Cookies are small files that are placed on Your computer, mobile device or

    any other device by a website, containing the details of Your browsing

    history on that website among its many uses.



  * Country refers to: Malaysia



  * Device means any device that can access the Service such as a computer, a

    cellphone or a digital tablet.



  * Personal Data is any information that relates to an identified or

    identifiable individual.



  * Service refers to the Website.



  * Service Provider means any natural or legal person who processes the data

    on behalf of the Company. It refers to third-party companies or

    individuals employed by the Company to facilitate the Service, to provide

    the Service on behalf of the Company, to perform services related to the

    Service or to assist the Company in analyzing how the Service is used.



  * Usage Data refers to data collected automatically, either generated by the

    use of the Service or from the Service infrastructure itself (for example,

    the duration of a page visit).



  * Website refers to mzariff, accessible from <https://mzariff.blogspot.com/>



  * You means the individual accessing or using the Service, or the company,

    or other legal entity on behalf of which such individual is accessing or

    using the Service, as applicable.





Collecting and Using Your Personal Data  

=======================================



Types of Data Collected  

-----------------------



Personal Data  

~~~~~~~~~~~~~



While using Our Service, We may ask You to provide Us with certain personally

identifiable information that can be used to contact or identify You.

Personally identifiable information may include, but is not limited to:



  * Email address



  * First name and last name



  * Phone number



  * Address, State, Province, ZIP/Postal code, City



  * Usage Data





Usage Data  

~~~~~~~~~~



Usage Data is collected automatically when using the Service.



Usage Data may include information such as Your Device's Internet Protocol

address (e.g. IP address), browser type, browser version, the pages of our

Service that You visit, the time and date of Your visit, the time spent on

those pages, unique device identifiers and other diagnostic data.



When You access the Service by or through a mobile device, We may collect

certain information automatically, including, but not limited to, the type of

mobile device You use, Your mobile device unique ID, the IP address of Your

mobile device, Your mobile operating system, the type of mobile Internet

browser You use, unique device identifiers and other diagnostic data.



We may also collect information that Your browser sends whenever You visit our

Service or when You access the Service by or through a mobile device.



Tracking Technologies and Cookies  

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~



We use Cookies and similar tracking technologies to track the activity on Our

Service and store certain information. Tracking technologies used are beacons,

tags, and scripts to collect and track information and to improve and analyze

Our Service. The technologies We use may include:



  * Cookies or Browser Cookies. A cookie is a small file placed on Your

    Device. You can instruct Your browser to refuse all Cookies or to indicate

    when a Cookie is being sent. However, if You do not accept Cookies, You

    may not be able to use some parts of our Service. Unless you have adjusted

    Your browser setting so that it will refuse Cookies, our Service may use

    Cookies.

  * Web Beacons. Certain sections of our Service and our emails may contain

    small electronic files known as web beacons (also referred to as clear

    gifs, pixel tags, and single-pixel gifs) that permit the Company, for

    example, to count users who have visited those pages or opened an email

    and for other related website statistics (for example, recording the

    popularity of a certain section and verifying system and server

    integrity).



Cookies can be "Persistent" or "Session" Cookies. Persistent Cookies remain on

Your personal computer or mobile device when You go offline, while Session

Cookies are deleted as soon as You close Your web browser. Learn more about

cookies on the [Free Privacy Policy

website](https://www.freeprivacypolicy.com/blog/sample-privacy-policy-

template/#Use_Of_Cookies_And_Tracking) article.



We use both Session and Persistent Cookies for the purposes set out below:



  * Necessary / Essential Cookies



    Type: Session Cookies



    Administered by: Us



    Purpose: These Cookies are essential to provide You with services

    available through the Website and to enable You to use some of its

    features. They help to authenticate users and prevent fraudulent use of

    user accounts. Without these Cookies, the services that You have asked for

    cannot be provided, and We only use these Cookies to provide You with

    those services.



  * Cookies Policy / Notice Acceptance Cookies



    Type: Persistent Cookies



    Administered by: Us



    Purpose: These Cookies identify if users have accepted the use of cookies

    on the Website.



  * Functionality Cookies



    Type: Persistent Cookies



    Administered by: Us



    Purpose: These Cookies allow us to remember choices You make when You use

    the Website, such as remembering your login details or language

    preference. The purpose of these Cookies is to provide You with a more

    personal experience and to avoid You having to re-enter your preferences

    every time You use the Website.



For more information about the cookies we use and your choices regarding

cookies, please visit our Cookies Policy or the Cookies section of our Privacy

Policy.



Use of Your Personal Data  

-------------------------



The Company may use Personal Data for the following purposes:



  * To provide and maintain our Service , including to monitor the usage of

    our Service.



  * To manage Your Account: to manage Your registration as a user of the

    Service. The Personal Data You provide can give You access to different

    functionalities of the Service that are available to You as a registered

    user.



  * For the performance of a contract: the development, compliance and

    undertaking of the purchase contract for the products, items or services

    You have purchased or of any other contract with Us through the Service.



  * To contact You: To contact You by email, telephone calls, SMS, or other

    equivalent forms of electronic communication, such as a mobile

    application's push notifications regarding updates or informative

    communications related to the functionalities, products or contracted

    services, including the security updates, when necessary or reasonable for

    their implementation.



  * To provide You with news, special offers and general information about

    other goods, services and events which we offer that are similar to those

    that you have already purchased or enquired about unless You have opted

    not to receive such information.



  * To manage Your requests: To attend and manage Your requests to Us.



  * For business transfers: We may use Your information to evaluate or conduct

    a merger, divestiture, restructuring, reorganization, dissolution, or

    other sale or transfer of some or all of Our assets, whether as a going

    concern or as part of bankruptcy, liquidation, or similar proceeding, in

    which Personal Data held by Us about our Service users is among the assets

    transferred.



  * For other purposes : We may use Your information for other purposes, such

    as data analysis, identifying usage trends, determining the effectiveness

    of our promotional campaigns and to evaluate and improve our Service,

    products, services, marketing and your experience.





We may share Your personal information in the following situations:



  * With Service Providers: We may share Your personal information with

    Service Providers to monitor and analyze the use of our Service, to

    contact You.

  * For business transfers: We may share or transfer Your personal information

    in connection with, or during negotiations of, any merger, sale of Company

    assets, financing, or acquisition of all or a portion of Our business to

    another company.

  * With Affiliates: We may share Your information with Our affiliates, in

    which case we will require those affiliates to honor this Privacy Policy.

    Affiliates include Our parent company and any other subsidiaries, joint

    venture partners or other companies that We control or that are under

    common control with Us.

  * With business partners: We may share Your information with Our business

    partners to offer You certain products, services or promotions.

  * With other users: when You share personal information or otherwise

    interact in the public areas with other users, such information may be

    viewed by all users and may be publicly distributed outside.

  * With Your consent : We may disclose Your personal information for any

    other purpose with Your consent.



Retention of Your Personal Data  

-------------------------------



The Company will retain Your Personal Data only for as long as is necessary

for the purposes set out in this Privacy Policy. We will retain and use Your

Personal Data to the extent necessary to comply with our legal obligations

(for example, if we are required to retain your data to comply with applicable

laws), resolve disputes, and enforce our legal agreements and policies.



The Company will also retain Usage Data for internal analysis purposes. Usage

Data is generally retained for a shorter period of time, except when this data

is used to strengthen the security or to improve the functionality of Our

Service, or We are legally obligated to retain this data for longer time

periods.



Transfer of Your Personal Data  

------------------------------



Your information, including Personal Data, is processed at the Company's

operating offices and in any other places where the parties involved in the

processing are located. It means that this information may be transferred to —

and maintained on — computers located outside of Your state, province, country

or other governmental jurisdiction where the data protection laws may differ

than those from Your jurisdiction.



Your consent to this Privacy Policy followed by Your submission of such

information represents Your agreement to that transfer.



The Company will take all steps reasonably necessary to ensure that Your data

is treated securely and in accordance with this Privacy Policy and no transfer

of Your Personal Data will take place to an organization or a country unless

there are adequate controls in place including the security of Your data and

other personal information.



Delete Your Personal Data  

-------------------------



You have the right to delete or request that We assist in deleting the

Personal Data that We have collected about You.



Our Service may give You the ability to delete certain information about You

from within the Service.



You may update, amend, or delete Your information at any time by signing in to

Your Account, if you have one, and visiting the account settings section that

allows you to manage Your personal information. You may also contact Us to

request access to, correct, or delete any personal information that You have

provided to Us.



Please note, however, that We may need to retain certain information when we

have a legal obligation or lawful basis to do so.



Disclosure of Your Personal Data  

--------------------------------



Business Transactions  

~~~~~~~~~~~~~~~~~~~~~



If the Company is involved in a merger, acquisition or asset sale, Your

Personal Data may be transferred. We will provide notice before Your Personal

Data is transferred and becomes subject to a different Privacy Policy.



Law enforcement  

~~~~~~~~~~~~~~~



Under certain circumstances, the Company may be required to disclose Your

Personal Data if required to do so by law or in response to valid requests by

public authorities (e.g. a court or a government agency).



Other legal requirements  

~~~~~~~~~~~~~~~~~~~~~~~~



The Company may disclose Your Personal Data in the good faith belief that such

action is necessary to:



  * Comply with a legal obligation

  * Protect and defend the rights or property of the Company

  * Prevent or investigate possible wrongdoing in connection with the Service

  * Protect the personal safety of Users of the Service or the public

  * Protect against legal liability



Security of Your Personal Data  

------------------------------



The security of Your Personal Data is important to Us, but remember that no

method of transmission over the Internet, or method of electronic storage is

100% secure. While We strive to use commercially acceptable means to protect

Your Personal Data, We cannot guarantee its absolute security.



Children's Privacy  

==================



Our Service does not address anyone under the age of 13. We do not knowingly

collect personally identifiable information from anyone under the age of 13.

If You are a parent or guardian and You are aware that Your child has provided

Us with Personal Data, please contact Us. If We become aware that We have

collected Personal Data from anyone under the age of 13 without verification

of parental consent, We take steps to remove that information from Our

servers.



If We need to rely on consent as a legal basis for processing Your information

and Your country requires consent from a parent, We may require Your parent's

consent before We collect and use that information.



Links to Other Websites  

=======================



Our Service may contain links to other websites that are not operated by Us.

If You click on a third party link, You will be directed to that third party's

site. We strongly advise You to review the Privacy Policy of every site You

visit.



We have no control over and assume no responsibility for the content, privacy

policies or practices of any third party sites or services.



Changes to this Privacy Policy  

==============================



We may update Our Privacy Policy from time to time. We will notify You of any

changes by posting the new Privacy Policy on this page.



We will let You know via email and/or a prominent notice on Our Service, prior

to the change becoming effective and update the "Last updated" date at the top

of this Privacy Policy.



You are advised to review this Privacy Policy periodically for any changes.

Changes to this Privacy Policy are effective when they are posted on this

page.

Friday, December 3, 2021

Cara cara menjadi ejen Takaful

Tips and trick Takaful 

EJEN TAKAFUL
#ejentakaful #TBE #tips 
.
.Salah satu kerjaya yang mula mendapat permintaan dari orang ramai adalah ejen takaful. Dengan masa yang flexible dan pendapatan yang tiada had, kebanyakan anak muda mula mendaftar sebagai ejen takaful sama ada secara sepenuh masa atau separuh masa.

*Bagaimana untuk mendaftar sebagai ejen takaful?*

Berikut adalah langkah-langkah yang perlu anda ikut untuk menjadi seorang ejen takaful yang berdaftar.

#1 Exam TBE (takaful)

Perkara pertama yang anda perlu lakukan adalah mengambil ujian dari Malaysia Takaful Association (MTA). Ujian TBE secara online  boleh diambil di mana jua anda berada  dan pendaftaran boleh dilakukan secara online sahaja.

https://enroll.malaysiantakaful.com.my/login

➡️Kami boleh bantu anda membuat pendaftaran

Terdapat dua (2) bahagian iaitu ujian berkenaan:

1. Takaful keluarga (family) – Untuk produk seperti hibah dan kad perubatan

2. Am (general) – Untuk produk seperti insuran kereta

Nak tengok contoh soalan 

https://t.me/soalanexamtbe

Biasanya, ramai yang akan ambil ujian berkenaan takaful keluarga sahaja kerana mahu fokus kepada hibah dan kad perubatan yang mendapat permintaan ramai ketika ini. 

Untuk mendaftar, anda juga boleh hubungi kami untuk pendaftaran dan pertanyaan. [DAFTAR] 

http://www.wasap.my/60103428705/KonsultanTakaful

#2 Latihan – Etika sebagai ejen takaful

Selepas berjaya lulus ujian tersebut, anda perlu menghadiri latihan yang disediakan oleh syarikat takaful pilihan anda. Tujuan latihan ini adalah untuk memberi penerangan berkenaan industri takaful secara amnya.

Namun, tidak semua syarikat takaful mewajibkan anda menghadiri latihan awal sebagai syarat untuk dapatkan kod ejen berdaftar. Sebagai ejen takaful yang berdaftar, anda perlu tahu etika yang betul terutama ketika membuat promosi berkenaan produk takaful itu sendiri.

#3 Dapat kod ejen takaful berdaftar

Selepas berjaya menjalani latihan yang disediakan, anda akan terima kod ejen takaful dari syarikat takaful. Dengan itu, anda kini sudah sah menjadi ejen takaful yang berdaftar dan anda juga sudah boleh mula membantu orang ramai mendapatkan pelan perlindungan.

#4 Latihan produk / Training product

Ejen takaful yang hebat biasanya sudah menguasai ilmu dan maklumat berkenaan produk dan servis yang mereka tawarkan. Dengan ilmu yang lengkap, mudah bagi ejen takaful untuk membantu pelanggan mereka.

Lebih banyak maklumat yang anda kuasai, lebih mudah untuk anda menjawab setiap soalan dari prospek anda.

http://www.wasap.my/60103428705/KonsultanTakaful

Untuk menjadi ejen takaful yang hebat, anda perlu sentiasa belajar dari orang yang berjaya. Tingkatkan ilmu dan skil dalam semua aspek yang berkaitan dengan prospek supaya lebih mudah anda dapat membantu pelanggan anda.

#6 Matlamat

Untuk menjadi ejen sepenuh masa dalam industri takaful ini, anda perlu ada matlamat yang jelas supaya anda tidak berhenti di tengah jalan. Contoh matlamat jelas yang mudah adalah berkenaan dengan pendapatan yang diterima.

Jika anda mahu menerima pendapatan RM5,000 sebulan, anda memerlukan jumlah pelanggan yang mengambil membuat caruman tahunan  hanya berjumlah RM150,000 (RM150,000 x 40% / 12 bulan). Jangan terkejut jika anda boleh mencapai pendapatan lima (5) angka walaupun baru 3 tahun dalam industri takaful ini.

Namun, jangan jadikan target jualan anda sebagai satu sebab anda terpaksa melakukan aktiviti 'kotor' seperti menipu pelanggan anda.

Anda masih tak faham macam mana untuk mula? Tanya kami sekarang [SOALAN]

https://t.me/infoinsuranstakaful

Monday, September 30, 2019

Medical card manakah yang terbaik

Ada yang bertanya apa beza medical card awak dengan medical card orang lain..

Analogi medical card adalah umpama handphone.
Fungsi asas buat panggilan terima panggilan jawab sms.

Jadi fungsi asas medical card adalah membayar bil perubatan  bilamana kita warded.

Lain lain adalah manfaat tambahan..
Baik elaun bermalam
Baik comprensive critikal illness

Dan macam macam lagi..

Tiada istilah handphone terbaik ...

medical card terbaik.

Handphone ribu ribu ...

jika tiada kredit pun tidak berguna

Samalah medical card.

Coverage juta juta.

Jika anda sign up.. tak sampai 3 bulan  polisi anda lapse aka anda tidak membuat bayaran pun tidak berguna..

Pilih lah yang sesuai dengan keperluan dan budget anda sekarang..

dan andai ada budget dan perlu yang lagi canggih manggih bertukarlah.

Ingat.. fikirkan keperluan utama anda.. bukan kehendak..

Ikutkan hati deknon MS nak yang paling mahal paling best paling canggih..

Tak pe.. nanti dah naik gaji dan makin berkemampuan..ada lebihan.. tak salah upgrade...

Bahkan setiap syarikat akan membuat penambahbaikan..

cuma mampu atau tidak kita mengikut trend.

InsyaAllah mediplan adalah antara medical card terbaik pada saat ini..

Tiada ko payment ..tiada ko takaful..

Tiada limit tahunan #inisangatpenting kerana jika ada limit kt terpaksa keluarkn  cash yang banyak bila memerlukn kos rawatan yg besar.

Upgrade bilik hanya bayar beza

Ada cash value yang boleh membantu anda di saat anda memerlukan

Saya pilih Ikhlas..eh nokia pilihan ibunda saya..

Anda bagaimana

Pst.. tapi jika mampu ambillah yang terbaik dan cukup lengkap.. macam pakej saya cadangkan tu🤗🤗🤗


Mana lagi penting invest atau protect

Ada orang kata..

Orang muda tak perlu insurance..

Tapi MS kata .. orang muda pun boleh sakit / lumpuh dan meninggal..

Nak tau kes real.. kami ada..

Alhamdulillah ada anak muda yang sedar insurance takaful ni penting..

walau dia anak muda..dia sign up takaful..
Lindungi pendapatan beliau..

jom lindungi pendapatan anda..

Bina asas kewangan anda

Kata orang...

Kad perubatan umpama pagar rumah kita. 

Jangan buat pagar cantik cantik,  tinggi tinggi tetapi tak ada rumah. 

Buat rumah dulu kawan..kukuhkan..stabilkan..

Rumah tu apa?.. 

gaji kita.. pendapatan kita..
protect your income dulu kawan..

Paling tidak sediakan dana 300k buat legacy kita.. 

keluarga kita..

Tak nak 300k.. sejuta pun jadi..

Paling tidak ada.. andai kita tiada..
Isteri kita ..anak anak kita yang masih bersekolah tidak terduduk..

Boleh pelan pelan bangkit..

Takde orang ,hilang orang tersayang boleh terus bangkit..macam takde apa apa..

Tipu lah.. im ok..
not ok kawan..

300k tak besar mana.. tapi boleh laa di guna untuk 4 5 tahun sementara nak kembali bangkit..

Pesanan ikhlas ini buat kawan kawan bernama suami

Sunday, September 29, 2019

Mana lebih penting perlindungan pendapatan atau medical card...

Bila bercakap tentang takaful, kita perlu fokus kepada fungsi utama takaful sebagai PERLINDUNGAN PENDAPATAN atau kewangan sekiranya berlaku risiko/malapetaka kewangan, seperti;

Kematian
Lumpuh
Sakit Kritikal

Kenapa?

 Kerana jika berlaku salah satu daripada musibah di atas, kita..

Tidak dapat lagi meneruskan pekerjaan,
Apabila tiada lagi pekerjaan, maka pendapatan pun akan terhenti,
Dalam keadaan tiada pekerjaan dan pendapatan, dia masih lagi perlu teruskan kehidupan atau dalam kes kematian suami, si isteri, anak-anak dan keluarga masih perlu meneruskan kehidupan.

Bayangkan, bagaimana dia dan/atau keluarga perlu teruskan kehidupan dengan mengekalkan perbelanjaan seperti rumah, makan minum, pakaian, sekolah, kenderaan dan sebagainya – dalam keadaan tiada pendapatan dan pekerjaan.

Saturday, September 28, 2019

Bercakap tentang takaful, kita perlu fokus kepada fungsi utama takaful sebagai PERLINDUNGAN PENDAPATAN atau kewangan sekiranya berlaku risiko/malapetaka kewangan, seperti;

Kematian
Lumpuh
Sakit Kritikal

Kenapa..

Kerana, jika berlaku salah satu daripada musibah ke atas di atas, kita..

Tidak dapat lagi meneruskan pekerjaan,
Apabila tiada lagi pekerjaan, maka pendapatan pun akan terhenti,
Dalam keadaan tiada pekerjaan dan pendapatan, dia masih lagi perlu teruskan kehidupan atau dalam kes kematian suami, si isteri, anak-anak dan keluarga masih perlu meneruskan kehidupan.

Bayangkan, bagaimana dia dan/atau keluarga perlu teruskan kehidupan dengan mengekalkan perbelanjaan seperti rumah, makan minum, pakaian, sekolah, kenderaan dan sebagainya – dalam keadaan tiada pendapatan dan pekerjaan.

 

Wednesday, September 11, 2019

Takaful life ada banyak pilihan.
Paling asas adalah perlindungan
*kematian / lumpuh*
Biasa orang kampung panggil khairat kematian

Lain lain adalah pilihan samada kita nak ambil atau tidak iaitu :-

1.Dana sakit kritikal (sumbangan cash andai di uji dengan salah 1 dari 35 sakit kritikal)
2. Pengecualian byran akibat sakit kritikal
3. Elaun hospital minimun warded 6 jam
4. Tambahan dana kemalangan MC / kehilangan anggota
5. Comprehensive CI - sumbangan di berikan pada peringkat awal sakit di dignosis.
6. Perlindungan wanita
7. Ada dengan medical card


Jika seseorang itu nakkan yang asas sahaja
(income protection)
kami mencadangkan agar mengambil  merangkumi sekali coverage untuk penyakit kritikal (Critical Illness), bukan sekadar kematian dan lumpuh.

Sebabnya, apabila seseorang ditimpa penyakit kritikal, dia tidak mampu bekerja dan memperolehi pendapatan.

71% kematian rakyat Malaysia berpunca dari penyakit kritikal seperti
– stroke,
– kanser,
– sakit jantung, dan
– sakit buah pinggang.

Teknologi perubatan masa kini..banyak sakit yang di anggap kritikal boleh di ubati  dan pesakit survived
[03/05, 08:47] Hana Ikhlas: Di cadangkan juga ambil pilihan waiver.. yang mana berfungsi tak perlu bayar caruman bulanan andai di uji dengan sakit kritikal
[03/05, 09:24] Hana Ikhlas: Cadangan takaful life. #incomeprotection
Kok tak masukkan medical card sebab dia keja goment kita andaikan keperluan medical card bukan utama.


1. Kematian atau lumpuh apa jua sebab RM400 ribu.

Di cadangkan 400k dengan kaedah capital liquidation.

Di cadangkan ambil dari gaji kita x 12 x 5 tahun = jumlah pampasan.

5 tahun ini kita ambil yang paling minimal.. ada yang cadangkan 10 tahun.


Tapi  biasa kami suk cadangkan 5 tahun.. panjang sangat akan lebih banyak dan mahal jumlah caruman.

Caruman ni boleh di tambah kemudian bila ada kenaikan gaji ada extra budget etc.

Andaian income 6k x 12 x 5 tahun = 360k sebab tu kita cadangkan RM400k tadi.

kerja govt insyaAllah ada pencen tapi pencen juga ada formula,  di kira mengikut tempoh kita
Sebab itu kita cadangkan ambil perlindungan takaful mengikut gaji kita sekarang.

Kenapa.. paling kita takut meninggal dunia di saat anak anak kita masih kecil dan memerlukan kita.

Dengan adanya income protection ia satu jaminan.. andai Allah jemput kita kelmarin.. kita dah sediakan dana RM400k cash untuk keluarga kita.. paling tidak wang ini untuk kelangsungan hidup, bayar hutang piutang jika ada byr baki loan kereta.di gunakan untuk pendidikan anak anak dan keperluan harian mereka dan memboleh kan isteri kita mulakan kehidupan , mencari kerja menyesuaikan diri etc.

Manfaat lain
2. Dana kemalangan 100k
Jika meninggal akibat kemalangan = (400k + 100k = RM500k akan di sumbangkan kepada keluarga kita

3. Elaun hospital RM200
Minimum warded 6 jam.

4. Waiver bayaran andai di uji dengan sakit kritikal

5. Sumbangan cash 200k andai di uji dengan sakit kritikal nauzubillah..


Berapa jumlah caruman untuk segala manfaat di atas ???

Hanya
*RM300 sahaja sebulan*

APA BEZA TAKAFUL DAN INSURAN KONVENSIONAL?

APA BEZA TAKAFUL DAN INSURAN KONVENSIONAL?

Nampak macam sama tapi banyak bezanya.. khususnya bagi kita yang beragama Islam

Paling utama..

Perbezaan utama adalah 'AQAD'.

Takaful menggunakan aqad tabarru' (sumbangan) manakala Insuran konvensional menggunakan aqad jualbeli.

Senang faham aqad ni boleh juga diertikan sebagai kontrak.

Takaful menggunakan kontrak sumbangan manakala insuran konvensional menggunakan kontrak jual beli.

Apabila kita sertai takaful kita berniat untuk bertabbaru.. menderma bagi membantu peserta lain yang di timpa musibah.

Sedangkan apabila sertai insurans kita membayar premium (akad jual beli)
Syarat jual beli adalah
1. Penjual
2. Pembeli
3. Masa
4.baramg atau perkhismatan


Dalam Islam segala galanya bermula dengan akad aka niat.

Contoh mudah.. kita nak solat asar tapi niat kita solat suboh..sah ke tak sah.

Begitulah Takaful vs Insurans nampak macam sama tapi berbeza di sebabkan oleh akad.

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BEZA ITU JE KE?

Ada lagi.. Konsep takaful adalah 'tolong-menolong' antara peserta (biasa dikenali sebagai pencarum - perkataan yg lebih tepat bagi takaful adalah peserta). Jika berlaku sebarang kemalangan atau insiden kerugian (tertakluk di dalam sijil takaful) peserta-peserta takaful lah yang akan menanggung bersama.

Manakala insuran konvensional, yang akan menanggung kerugian adalah pihak syarikat insuran itu sendiri.
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APA HUKUM BELI INSURAN?

Hukum Insuran Nyawa
Persidangan Jawatankuasa Fatwa Majlis Kebangsaan Bagi Hal Ehwal Ugama Islam Malaysia Kali Ke-16 yang bersidang pada 15-16 Feb 1979 telah membincangkan mengenai insurans. Persidangan telah memutuskan bahawa insuran nyawa sebagaimana yang dikendalikan oleh kebanyakan syarikat insuran yang ada pada hari ini adalah haram dan sebagai suatu muamalah yang fasad kerana aqadnya tidak sesuai dengan prinsip-prinsip Islam iaitu:
a) Mengandungi gharar (ketidak-tentuan)
b) Mengandungi unsur judi.
b) Mengandungi muamalah riba.

Hukum Insuran Am
Muzakarah Jawatankuasa Fatwa Majlis Kebangsaan Bagi Hal Ehwal Ugama Islam Malaysia Kali Ke-80 yang bersidang pada 1 - 3 Februari 2008 telah membincangkan Kajian Hukum Insurans Am. Muzakarah telah memutuskan bahawa hukum ke atas Insurans Am adalah tidak diharuskan oleh Islam.

Sila rujuk untuk selanjutnya.
http://e-muamalat.islam.gov.my/ms/bahan-ilmiah/artikel/148-menyertai-polisi-insurans-konvensional-halal-atau-haram

Maka,  TAKAFUL sebagai alternatif bagi orang Islam untuk mendapatkan perlindungan.
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Sekarang, industri takaful semakin pesat berkembang dan berdaya saing. Pilihan terletak di tangan Anda, tepuk dada tanya lah iman



KENAPA INCOME REPLACEMENT ITU PENTING

Tahukah anda terdapat kos tersembunyi seandainya kita terpilih sakit kritikal atau lumpuh

yang biasa kita nampak adalah kos rawatan hospital.. ada medical card alhamdulillah
hospital kerajaan juga alhamdulillah

tetapi... yang kita tak nampak adalah kos selepas itu

  1. income hilang semasa kita tidak bekerja
  2. income pasangan hilang kerana perlu menjaga kita
  3. kos rawatan alternatif #extra RM di perlukan
  4. kos ubatan tambahan
  5. kos supplement
  6. kos peralatan..contohnya besi perlu di bayar tau.. walau kita di hospital kerajaan
  7.  

MENCARI EXTRA INCOME

Gaji masuk tapi habis bayar hutang. 😐

Hutang tak pandai pandai nak habis.

Perlukan duit extra income sekarang?

Extra income www.wasap.my/60123809302/extraIncome

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