Wednesday, May 2, 2012

Life Insurance, Yay or Nay?


I used to have this mentality that buying life insurance for yourself would be like either a pembaziran (bila tak sakit) atau macam doa (sebab you anticipate sakit because you’re supposedly financially-equipped to face it). Now bila terkenang kembali…. Boy, was I stupid or what?

Recently (2months ago), I was referred to the hospital sebab klinik swasta biasa-biasa tak gheti nak diagnose benda dalaman. Tsk. Actually, I woke up one morning rasa sakit leher. Like tersalah tidur/bantal terlalu empuk/kena tindih. Throughout the week dia remain macam rasa sengal, and then I demam. Bila doctor buat surat suruh pergi hospital I was all HOI MALASNYA SEBAB  TAKDE INSURANCE, HARUSLAH MENEMPUH HOSPITAL KERAJAAN.

Baiklah, bayangkan keadaan hospital kerajaan sekarang, paling awal you can go and register is 8am. So anda pun bangun 6.00pagi siap-siap segala, tiba di hospital 7.30am. Wow, champion! Pasti jadi orang pertama di kaunter… No.

Dah berderet orang tunggu tepi-tepi dinding dengan muka weak/tak semegah. Ada yang pakai kain batik, ada yang pakai kemeja drebar bas, ada yang kendong anak seorang sambil kawal lagi 3 orang berlari-lari. I felt… bad. Here I am, someone who could afford life insurance (with medical benefits & coverage), in my preppy clothes with my hair done at the salon just yesterday (RM40, wash and blow) taking picture of my nombor giliran with my Blackberry to be posted on Twitter.

If you pay the taxes, yes you ada hak nak enjoy all these free medicines (OMG MY DOCTOR GAVE ME LOTS!) and super cheap registration (RM1) and free consultation yang government dah sediakan. Tapi sebenarnya you akan tak sampai hati. Tengok orang lain yang lebih memerlukan. Makcik cleaner yang hitung-hitung gaji hari dia nak ditolak sebab tak datang kerja untuk pergi hospital. Then hospital penuh dengan orang-orang lain termasuk someone like you, sampai dia kena datang esok pula. Dua hari punya gaji dia terpaksa let go. Tsk nangis.

That’s one thing, bagaimana pula dengan anda? You have to tunggu almost  forever for your next appointment lepas dah jumpa and sembang-sembang dengan doctor tuh (my next appointment was a month later tau). Tak ke your sakit akan melarat by your next visit to see the doctor? Sanggup? Dalam kepala otak dah menyesal-menyesal kenapa diri ini takde insurans. Kalau kronik penyakitku terpaksa seek rawatan dari private hosp (yang lebih cepat), siapa nak tanggung?! Ubat, rawatan, bil hospital? Ya Allah… jauhkan.

I tak sanggup. Promised myself, that was my last, I hope. InsyaAllah. Sebab I’m getting myself a life insurance, and yang bestnya dia termasuk dengan investment package sekali. Because I’m ambitious like that.

Recently, I read this newspaper ad about masa depan diri anda being terlaksana by ING Insurance Berhad. I find it interesting since I am aiming to shop for an insurance plan. So I scanned the QR code and got to play this Facebook app that tell us about cita-cita kita. Like how I see myself in 5years time. Ada kondo sebiji ewaaaah, kereta nak tukar yang lebih best sikit, travel third world countries dan sebagainya.

In the app, I found in order to achieve these dreams, ING has tailorkan special insurance pakej mengikut umur dan keperluan financials kita through its recent INGeasi For You plans. It’s a fleksibel plan yang menawarkan perlindungan dan investment untuk setiap ages.

Jadi, untuk umur 20an like me financial package dia adalah Discover. Untuk anda?

The Discover package is tailored for those in their early 20s and just starting out in the workforce. The package addresses the need for basic protection and healthcare coverage at affordable monthly rates to inspire youth to start planning their future early.
 Itu yang saya nak dengar, healthcare coverage dan bayaran bulanan yang within kemampuanku.

The Achieve package is targeted at those in their late 20s and early 30s, with generally a higher earning power. They tend to want to increase their protection coverage and save more to bring them closer to their goals. Additionally, the package also provides specific coverage against female illnesses.
Pakej sesuai untuk orang dah kahwin, macam Kekna and Boiri! Diorang pun berangan-berangan nak buka café, so bolehlah sebab pakej nih savings dia lagi besar.


The third package, Build, is designed for families. It provides extensive coverage ranging from protection and savings for retirement as well as their children’s education needs. The package also offers a yearly income benefit in the event the breadwinner is no longer able to provide for the family due to death, disability or critical illness, thus giving family members the peace of mind that they will be taken care off.”
Kalau dah ada family and anak-anak, malas nak piker-piker, ini pakej lengkap untuk anda! Ada simpanan persaraan dan keperluan kewangan untuk education anak-anak! Kalau apa-apa jadi kat ketua keluarga, dapat yearly income benefit to help out your family expenses :’)


Kalau nak feel diri anda di 5, 10, atau 20 tahun kehadapan, cuba app Meet Future Self in Facebook. Hahaha comel berangan!

Just pick 4 of the things you would like to achieve in the future..

Then pilih the number of years you want to see your future self


WAH! THAT’S WHERE WE WANT TO BE OKAY, CURRENT SELF!

Pandu kereta Lotus, scuba dive at world famous diving spots macam Sipadan, ramai sangat orang yang beratur untuk autograph saya.. :’)

On top of this, there is also an augmented reality app where you could have your pic taken so you will be pictured in your future! Sila cuba dan print out to lekat at cermin anda. Motivasi sebelum keluar rumah every morning!


Andai entri ini telah membuat anda piker ke hadapan, lawatlah website ING (www.ing.com.my) untuk ketahui pelan terbaik bagi anda. Masih belum terlewat.

Check out this clip to see how your dreams can be fulfilled.



for more vidoes, go to www.facebook.com/ING.Malaysia

54 comments:

  1. Actually untuk kebaikan u juga Hanis...Better ambik insuran ni. Klu mcm i keja govt just potong gaji jer tak kisah banyak atau sikit yg penting ada Life Insurance. Take care :)

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  2. Bila fikir memang bagus n penting sgt insurance ni for our life actually... Dah banyak sangat insurance yang bagus such as prudential, like hanis say ing ni...

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  3. penting ni insurance ni.....

    utk masa depan...tak salah melabur sikit

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  4. wow. sounds interesting! :D

    am not sure whether i've an insurance or not :-/

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    Replies
    1. Hi sy agent insurans Great eastern takaful.nk tahu details about the plan can call Me~tasha 012-5008426

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  5. TAPI KAT SPITAL SWASTA YG I KEJE NIH, ING TAK COVER MASA U ADMIT, OR SEE DA DOKTOR, U PAY IST THEN CLAIM LATER KAT ING ....I DONT KNOW WHY????

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  6. that's good la.. saving+medical card. saya pn tengah fikir2 nak ambil takaful or prudntial.. Klu ING ad kedua2 nya amat baik untuk pilih pakej ni kan.. Sebab sesetengahnya, just byr utk medic card tp xde saving..

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    Replies
    1. Salam,sy agent Great eastern takaful nk tau detail pasal insurans boleh contact sy 012-5008426-tasha..plan include medical card,protection & saving..cuma nk membantu agar malays lebih ramai protection & yg plg penting this is islamic fund

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  7. try find takaful...cheaper and
    berkat insyaAllah

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  8. sy pun baru je plan utk urusan ni...huhu..

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  9. hanis try u tgk prudential lak dia coverage lg tinggi n benefit pun byk :)

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  10. hanis try u tgk prudential lak coverage dia pun tinggi n benefit pun banyak

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  11. ayu follower hanis yg ke 37367 ;-)

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  12. Wow, betul jugak kata kak hanis. Hummp.

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  13. Assalam (: hai i cuma nak cakap , kalau u nak insurance , better ambil maa takaful (medical card). i dah ada pengalaman sendiri. memng Alhamdulillah senang. kalau sakit je , boleh terus pergi hospital swasta (i selalu pergi demc, shah alam).

    contact this agent for more info okay , hope it helps. dia boleh bagi quotation dan perbandingan untuk setiap syarikat insurance

    0192767197 (intan)


    -ann (:

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  14. dok bangga apa sangatlah dpt komen 1st ni...aku x rasa apa pon

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  15. dok bangga apa sangatlah dpt komen 1st ni...aku x rasa apa pon

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  16. amik takaful...takaful halal...insuran haram...klu x kisah ngan benda haram...amik lah insuran

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  17. amik takaful...takaful halal...insuran haram...klu x kisah ngan benda haram...amiklah insuran

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  18. I like your post because i am with the same age as you has a complete insurance packages and also as a part time insurance agent. Memang susah nak convice rakan-rakan sebaya saya untuk tahukepentingan dan benefit ada pakej insurans yang lengkap di usia muda ;)

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  19. salam..

    kita guna etika je...hehe

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  20. tp kan...try la rujuk ustaz dlu k.sbbnya cm pnah dengar life insurance xleh dlm islam..yg tau,health insurance bleh la...

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  21. Jwpannya, yay! Harus amek life insurance. I dah wat dah kat etiqa, and this is my third year and dis july hopefully akan tuai lah hasil pelaburan tu... So, hanis jg harus! Tak kira lah paper brand yg penting benefits nya...

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  22. wow...bace entry keknis terus teruja nak masuk insurans..trus try app 2 skrang jgak huhu..

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  23. wow...bace entry keknis terus teruja nak masuk insurans..trus try app 2 skrang jgak huhu..

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  24. huhu...i Great Eastern punya customer...lambat hanis ni promote....

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  25. bagus tu.. tapi saya belum bersedia lagi..duit yang ada pun tak cukup nak belanja sebulan

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  26. oh my..i just joined life insurance!

    Agreed with urs =) Hosp. kerajaan memang macam tue..dah ader pengalaman =)

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  27. try hanis amik prudential takaful.. Insyaallah berlandaskan syariat...

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  28. wah... now u sound like an agent already =D. I m covered by Great Eastern Takaful, my husband and kid are covered by Prudential. Mine, belum pernah guna. BUt my hubby's and kid's sudah beberapa kali, espec for the medical card, worth paying ev month =D. It's good tht you came to realize this. Some of my acquaintance dah masuk 40an, even my eldest bro dah 50an, barulah terhegeh2 nak sign-up. By then dah kena bayar mahal sebab lagi you tua, lagi tinggi risiko =D. Wish u all d best.

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  29. mmg prudential best in the world la :) minor xcident pun dia cover contoh client saya kena gigit kucing pun leh cover....ini kan pulak major xcident ofcourse cover....x kan x mau bg yg terbaik untuk diri sendiri...sapa nk bagi duit kat kita bl kita sakit? klau bukan prudential :) sign up la segera sebelum penyakit sign up dgn kita :)

    any free quotation or information call me hidayah-012-5824373 nk free lg email saja nurr0102@gmail.com.....tiada bayaran untuk sebarang pertanyaan heheh

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  30. when shopping for insurance
    you should not only see what's on the surface (coverage), but MUST also read it's Terms
    speaking of coverage, ING and Prudential could offer a lot due to their strong financial
    but to better to protect yourself, you ought to go with Prudential as it's Terms of coverage would protect you in a long run.
    There's a clause in ING which would stop to cover you once you are diagnose with certain disease and claimed your benefits once
    It's good that you're keen on insurance package that include protection and investment. As a muslim, we ought to look for a Takaful plan
    and to that my dear, i would suggest you with PruBSN TakafulLink
    There would also be a raider plan for women (PRULady) that you could attach with it, which is good to women who would eventually FURTHER protect them with women disease
    Owh, before i forgot, other company do offer these 2 plan, but it is separated which means you would have to bear double for the cost

    In summary when browsing for a plan
    1) never look at insurance with what would you get in terms of investment, but what would you be covered during the crisis
    2) look for a complete coverage, especially protection for life and not term (10,20 years time)
    3) the MOST IMPORTANT would be to look at their TERMs of coverage, so that your coverage would not stop even you are diagnose with critical illness
    4) and then, of course, your agent of choice will alwasy be 2nd to the company that you choose for insurance. because you are covered by the company, but the agent will only do the servicing

    happy shopping
    your silent reader

    p/s: sorry for the long chit chat

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  31. when shopping for an insurance plan, don't be overjoyed by their advertising
    you got to go deep in their TERMS of Protection
    speaking of a big insurance company with the best benefit, Prudential and ING would be the best to choose
    but if you go read their TERMS of Protection, Prudential have added benefit as it continue to cover you even when you are diagnose with critical disease, which you won't find any other company do the same
    i didn't knew you are keen on investment due to your nature of what i called 'big spender'
    speaking of that, a plan which include investment would fit you
    i would suggest you to go for PruBSN TakafulLink which include protection and investment plus a medical card
    not forgetting PruBSN TakafulLink is a Takaful plan
    there would also be a raider called PruLady plan which would further cover you with girls disease and phase of life (single to attached)
    other company do have this coverage, but you would have to take a separate plan for it which would results in added cost

    In summary
    1) never look at insurance as an investment BUT protection. Investment comes 2nd when you insured yourself
    2) do look at the plan feature of coverage. BUT MOST important, look at their TERMS so that your protection continue even after diagnose of critical illness
    3) never buy a term insurance (10, 20 yrs) but buy a life insurance which would cover you till death
    4) don't buy insurance because of the agent. the agent would always be 2nd as they only do the servicing BUT the company will be the one who cover you. in that case, go for big company, easy access in admittance to private hospital

    happy shopping
    silent reader

    p/s: sorry for long comment

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  32. kenapa amik insurans konvensional,kita org islam ambil insurans takaful baru manfaat dunia akhirat

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  33. I'm gonna buy it for my family someday...

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  34. I'm gonna buy it for my family someday...

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  35. mungkin kita muda tak terfikir nak buat insurans kot...nampak komplikated jer waktu orang introduce,,sebab tu selalu mengelak..hehe padahal beli waktu muda murah..kan kan kan?

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  36. kalau boleh jgn amik family plan.. mmg benefit die bgs.. n cheaper tp kalau sorang dlm fmly (let say ayah ke) ade athma, atau heart disease.. die cover ayah je.. fmly member yang lain kalau kena sakit yg sama, die x cover..

    sumer ins ade takaful/ conv. so.. jgn lupe btau agent nk amik takaful plan..

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  37. menarik u write pasal alkisah nak tunggu di hospital kerajaan... before ni rasa mcm, "apa masalahnya pun kalau aku gi hospital kerajaan?" but u make me thinking dari perspektif lain.. 'merebut' ruang daripada yang kurang mampu...

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  38. hanis.in my view,better to take takaful scheme.as a student that study about takaful.i find more benefit on takaful rather than insurance.tmbahan pula as a muslim we should take something yang not include riba',maisir,gharar.it means(riba from investment that the insurance company do which u do not know the investment activity,actually the important thing is the profit that u might get must certainty)..so i just want to suggest to you some of the good takaful scheme..(prudential BSN,takaful ikhlas and etiqa)..mencari yang halal itu lebih afdal.:D..


    ahaa..one more,for takaful scheme,there are kafalah concept which means tolong menolong antara muslim..below PSA(participant special account)..which u will contribute to muslim who in needs.so i think.it's some kind of sedekah..and insyaAllah dpt pahala sbb tolong org..okay.

    saje nak share ..<3

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  39. hanis.in my view,better to take takaful scheme.as a student that study about takaful.i find more benefit on takaful rather than insurance.tmbahan pula as a muslim we should take something yang not include riba',maisir,gharar.it means(riba from investment that the insurance company do which u do not know the investment activity,actually the important thing is the profit that u might get must certainty)..so i just want to suggest to you some of the good takaful scheme..(prudential BSN,takaful ikhlas and etiqa)..mencari yang halal itu lebih afdal.:D..


    ahaa..one more,for takaful scheme,there are kafalah concept which means tolong menolong antara muslim..below PSA(participant special account)..which u will contribute to muslim who in needs.so i think.it's some kind of sedekah..and insyaAllah dpt pahala sbb tolong org..okay.

    saje nak share ..<3

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  40. Salam kenalan from shah.. entri yang menarik..shah singgah blogwalking sini..Rajin-2 singgah la blog shah ye.. :D

    Entri Terbaru: 1. Pertandingan Blog HPM 2012 2. Metered Earnings Nuffnang Pertama Shahamri.com

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  41. Saya sangat percaya pada produk Takaful Etiqa. Selama menjadi agent Takaful Etiqa adalah produk terbaik untuk para pelanggan kerana kami tetap mempunyai simpanan di samping perlindungan. Setiap orang WAJIB mempunyai sekuarang-kurangnya satu polisi takaful. Takaful BEZA dengan insurans ye. sebarang pertanyaan boleh hubungi no ini : 013-3191920 (Cik Suhaili) :)

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  42. bagus amik insurance nih..cerah masa depan

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  43. berapa kena bayar kalau amik pakej awal 20 an tu?

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  44. hai hanis, bagusnya muda2 nk amik insurans. pandangan masyarakat kita tentang insurans mmg kadang2 cetek..lagi2 yang muda..ibarat kata (aku xakn sakit) sorry to say that..macam sy sendiri mmg dh ada kesedaran awal ttg insuran neyh..memang target pertama masa mula-mula kerja nak amik insurans walaupn kereta sama pentingnya waktu ni. sebab 1st pilih insurans ialah utk perlindungan diri sendiri, tanpa menyusahkan family. :) (kan dh keje, spatutnya bg family duit bkn tambah beban kat mereka)

    Saya amik PRUDENTIAL BSN TAKAFUL, sebab plan dia mmg lengkap, medical card + saving + protection..tue la keperluan kita skrg.. takaful neyh islamik, xmeragukan dah insurans ni kalau nak bandingkan dengan yg konvensional..dan sy dah guna pun untuk rawatan appendiks. xsangka umur muda ada appendiks + masa operation doc ckp ada cyst jugak..hehe
    full covered kecuali yuran pendaftaran hospital..tp xpe la, xmahal pn msk specialist. :) siap dapat duit poket sbb msk ward (elaun warded)

    kalau nak tau maklumat lanjut, boleh la hubungi sy sbb dah jadi agen lepas operation thn lps..sy bukan along cuma nak tolong. :)

    http://www.facebook.com/#!/profile.php?id=570638475

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  45. hai hanis, bagusnya nak amik insurans waktu muda. perkara 1st yg menjadi keperluan sy masa mula-mula bekerja. :) amik masa muda murah lagi sebab kita kurang risiko. perlindungan untuk diri sendiri dulu penting walaupun masa ni kenderaan sama pentingnya. :) sebab lain, xnak sshkan family jugak.


    sy amik PRUDENTIAL BSN TAKAFUL, islamik lagi, xmeragukan..ni bkn insurans konvensional, pakej lengkap sbb ada medical card + saving + protection..dan dah guna pun untuk rawatan appendiks. (syok sbb bila sakit dapat duit elaun ddk wad =p ) skrg sy dh jd agen lps operation tue, nak bg tau kwn2 pentingnya amik insurans diri sendiri, sedangkan kenderaan pn ada insurans, xkan la diri sendiri xde perlindungan, btl x??
    saya bukan along, cuma nak tolong. :D

    http://www.facebook.com/profile.php?id=570638475&ref=tn_tnmn

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  46. Salam..insuran adalah merangkumi 3perkara, life, protection n savings..setiap syarikat insuran ada kelebihan dan kekurangan masing2..tapi paling penting kita hendaklah tahu perkara asas kita nak amik insuran untuk apa dan kena memahami setiap policy insuran yang kita ambik..semuanya base kpd individu n kmampuan..sekiranya tuan2 n puan2 ada pertanyaan lebih lanjut,saya boleh kongsikan...saya bukan menjual insuran semata2, hanya ingin berkongsi pengetahuan dengan tuan dan puan..IKHLAS..(MUHD FAIZ-0174123816>PRUDENTIAL BSN TAKAFUL AGENT)

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  47. Salam.saya disini juz nak kongsi sedikit ilmu.. INSURAN? adalah merangkumi life + medical + savings...semua syarikat insuran ada kebaikan dan kekurangan masing2..tapi yang paling penting anda tahu tujuan utama anda amik insuran n memahami polisi yang diambil..selain itu pastikan agen insuran itu tinggal berhampiran tempat anda supaya mudah untuk urusan pertanyaan@claim nanti..semuanya bergantung kepada individu n kemampuan masing2...saya tidak menjual insuran semata2, saya hanya ingin berkongsi pengetahuan bersama anda..dapatkan agen yang menjual ilmu insuran kepada anda secara percuma dan tidak mengejar keuntungan semata-mata.IKHLAS DALAM MENCARI KEREDHAANNYA..(MUHD FAIZ-0174123816 PRUDENTIAL BSN TAKAFUL AGENT)

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  48. Salam.saya disini juz nak kongsi sedikit ilmu.. INSURAN? adalah merangkumi life + medical + savings...semua syarikat insuran ada kebaikan dan kekurangan masing2..tapi yang paling penting anda tahu tujuan utama anda amik insuran n memahami polisi yang diambil..selain itu pastikan agen insuran itu tinggal berhampiran tempat anda supaya mudah untuk urusan pertanyaan@claim nanti..semuanya bergantung kepada individu n kemampuan masing2...saya tidak menjual insuran semata2, saya hanya ingin berkongsi pengetahuan bersama anda..dapatkan agen yang menjual ilmu insuran kepada anda secara percuma dan tidak mengejar keuntungan semata-mata.IKHLAS DALAM MENCARI KEREDHAANNYA..(MUHD FAIZ-0174123816 PRUDENTIAL BSN TAKAFUL AGENT)

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  49. Assalamu'alaikum Wrmbth. Kalau makanan ada halal haram. Insurans pun ada halal haram. Insurans konvensional haram sebab ada unsur judi (gambling on both sides) and uncertainty inside the contract. Takaful pula insurans yang menepati standard islam. Means takde unsur haram dalam tu. Even have their own syariah advisory council.

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  50. Salam.saya disini juz nak kongsi sedikit ilmu.. INSURAN? adalah merangkumi life + medical + savings...semua syarikat insuran ada kebaikan dan kekurangan masing2..tapi yang paling penting anda tahu tujuan utama anda amik insuran n memahami polisi yang diambil..semuanya bergantung kepada individu n kemampuan masing2...saya menjual medical card coverage 100% & tidak perlu membayar deposit hospital (pakej tambahan, klinik swasta pun percuma seluruh malaysia)..selain itu boleh mengelak cukai pendapatan disamping dijadikan simpanan jangka panjang..PLAN INDIVIDU=RM100 ke atas…PLAN FAMILY(IBU,BAPA & ANAK2)=RM200 ke atas…PLAN PEKERJA=RM50…saya tidak menjual insuran semata2, saya hanya ingin berkongsi pengetahuan bersama anda..dapatkan agen yang menjual ilmu insuran kepada anda secara percuma dan tidak mengejar keuntungan semata-mata.IKHLAS DALAM MENCARI KEREDHAANNYA..(MUHD FAIZ-0174123816 PRUDENTIAL BSN TAKAFUL AGENT)

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