Takaful Health

Prudential BSN Takaful (PruBSN) introduced its latest medical plan, the Takaful Health, a "first" for the Takaful industry in Malaysia with its annual No Claim Bonus (NCB).

A Quick Look at PruBSN’s Takaful Health Key Benefits

• NO CLAIMS BONUS

• COMPREHENSIVE coverage for hospitalization and surgery bills

• Option to WAIVE annual claim limit

• AFFORDABLE selection of medical plans

• Coverage of up to AGE 70 or AGE 80

Bagaimana ingin memilih syarikat insurans dan ejen insurans?

How to choose the best insurance company?

1. Ask your relatives or best friends.

Get their feedback why they sign up for the company. If their answer because the agent is their friend. Hence the reason not valid.The good reason is like, they have done research and comparison and this X company gives the best benefits with the cheapest premiums.Or, they searched on internet what is no. 1 insurance in Malaysia and decided to have it.

2. Ask their experience regarding protection and claim.

If your friends and relatives promoting any particular brand of insurance. Ask them how the claim experience. Easy or just OK.It is not valid if they never made any claim or been hospitalized and covered by the company.

3. Ask nurse or doctor at your favorite clinic.

Ask them what is the best. And please don't forget to ask why. Their answer is with credibility as they are working in medical and treatment industry.

4. Find out which insurance company accepted at your nearest private hospital.

Go to your nearest private hospital and ask them which insurance company accepted here. There will be a list of insurance company accepted. Please ask which one they prefer.

5. Do own research

You may collect information by internet or refer yourself to Life Insurance Association of Malaysia (LIAM).

Please seek an advice from them.

How to find a good insurance agent for yourself?

1. Make sure the agent based nearby. (eg Klang Valley)

You may get him for any queries and emergency easier.

2. Make sure the agent is lot younger than you.

Agent will help you for all the claim process and hospitalization documentation. If you are 28 year old now and your agent is 44 years old. With logic, your agent maybe leaving this world before you, your agent will have illness before you and your agent will retired soon. Then you will have no agent to help you.

3. If you have any preferred insurance company, please do an appointment with at least 2 insurance agent from the same company.

Please don't blindly trust the agent which recommended by friends or relatives. You do have an option to seek an advice from the thousands of agent out there.From this exercise, you will notice the level of knowledge from the both agent and you know which one you will decide to sign up with.

4. The agent must have time for you.

If the agent meet you for an appointment and he said he just have one hour for you for the presentation and he have another appointment afterward. This is not a good agent.

The agent must have time for you as you need to understand a lots of information before you can sign up for an insurance. One hour is not enough. Having next appointment and just allocate little time for you showing that he has no respect for you.

H1N1 di Tempat Kerja

PANDUAN PENCEGAHAN INFLUENZA A (H1N1) DI TEMPAT KERJA

Panduan ini dikeluarkan berikutan, keputusan Kerajaan Malaysia yang akan melaksanakan 10 langkah lebih ketat menangani penularan influenza A (H1N1) setelah didapati wabak ini mula dijangkiti oleh rakyat tempatan. Manakala wabak ini diishtiharkan di frasa 6 dan sebagai global pandemic pada 11 Jun 2009 oleh Pertubuhan Kesihatan Dunia (WHO).Kerajaan mewajibkan semua pelancong asing dan rakyat Malaysia yang baru balik dari kawasan atau negara yang terdapat kes influenza A (H1N1) mengisi borang pengishtiharan status kesihatan di semua pintu masuk ke Negara ini. Kegagalan mengishtihar status kesihatan boleh dipenjara dua tahun atau denda RM 2,000 atau kedua-duanya mengikut Akta Pencegahan dan Kawalan Penyakit Berjangkit 1988.Sehubungan itu, Jabatan Keselamatan Dan Kesihatan Pekerjaan, Kementerian Sumber Manusia (KSM) menyeru majikan dan pekerja bersama mencegah penularan penyakit ini dengan mengikut garispanduan yang disediakan ini.Majikan dan pekerja dapat membantu mengawal penularan wabak ini di tempat kerja dengan melaksanakan tanggungjawab sosial masing-masing. Tindakan sewajarnya seperti berikut perlu diambil terutama sekali bagi majikan yang membawa masuk pekerja atau mempunyai pekerja yang akan/baru pulang dari Negara-negara yang telah dilanda wabak H1N1:

1. Pihak majikan dinasihatkan agar menjalankan penyaringan kesihatan yang rapi ke atas pekerja / vendor / pelanggan yang baru tiba/pulang dari luar Negara sebelum memasuki premis tempat kerja. Untuk tujuan ini majikan digalakkan menyaring pekerja/vendor/pelanggan tersebut dengan menggunakan borang Deklarasi Kesihatan (disertakan dalam lampiran) seperti yang digunakan oleh Kementerian Kesihatan;

2. Menasihati pekerja terlibat agar mengurangkan perhubungan social di antara ahli keluarga mahu pun masyarakat setempat dalam jangka masa 7 hari ketibaan mereka dari luar Negara;

3. Memantau para pekerja (dalam masa 7 hari ketibaan) sama ada mengalami simptom berikut :

a. Demam panas (lebih daripada 38o C)

b. Sakit tekak

c. Batuk

d. Sakit anggota badan

e. Selesema

f. Sakit kepala

g. Mudah merasa penat/letih.

4. Para pekerja yang didapati mengalami simptom di atas dikehendaki memakai topeng muka (surgical mask) dan berhubung dengan hospital seperti yang tersenarai dalam lampiran, agar pihak hospital dapat mengatur pemindahan kes ke hospital dengan SEGERA.

5. Sekiranya bersesuaian, pekerja yang baru tiba dari luar Negara diasingkan penempatannya dalam masa 7 hari ketibaan mereka;

6. Memastikan persekitaran kerja yang bersih bagi meminimumkan penularan wabak H1N1 termasuklah melakukan disinfeksi di tempat-tempat umum;

7. Memastikan pekerja diberi penerangan agar memelihara kebersihan diri yang tinggi seperti basuh tangan dengan air dan sabun terutama selepas bersin dan batuk ;

Majikan dan juga pekerja adalah juga diingatkan bahawa mereka WAJIB menghubungi hospital seperti tersenarai dengan kadar segera (dalam tempoh 24 jam) jika mengetahui atau terdapat pekerja mereka telah berhubung/kontak dengan pesakit influenza A (H1N1).Maklumat dan status penularan Influenza A (H1N1) boleh didapati di Portal Kementerian Kesihatan Malaysia, http://www.moh.gov.my/.

25% in 4 months

In previous post, i already calculate the dividen/distribution of my Unit Trust Investment using EPF account 1.

Until today 5 August 2009, unit price 0.2957 (refer to http://www.publicmutual.com.my/application/fund/detail.aspx )

Invest in end of March RM1456.31 (minus service charge)

Now early in August already become RM1821.19

about 25% just for 4 month

it great is it!!!

Workshop with Nazril Idrus

Last Friday, Seremban Branch make a workshop training on topic "strategies to keep your clients for life" by our MFGAM mr Nazril Idrus.

Nazril Idrus is joined Public Mutual since 2005 be a Million Ringgit Producer since 2005 and Promoted to MFGAM in 2008

http://www.nazrilidrus.com/

http://www.bharian.com.my/Current_News/BH/Saturday/Xy/20090117114201/Article/index_html

In this training we are learned about use a technic of Matching and Mirroring. It will in

1.Posture

2.Movement

3.Breathing

4.Speech (voice)

This technic wil make the client will confortable with us and be natural with be a good listener which can fell the client felt.

So, we will practising and do implement when do the presentation to client.

Have Fun and Happy Selling.

Top Producer Sunshine Program

Chalange Group War Cry, with Mr Chee ang Denys (Zulkifli MIA pulak)

Share my experience to all participant

With all participant

Present from upline

Champion trophy from Seremban Branch Manager, Mr Micheal

Certificate

We are the best..

In 7th July 2009, it a graduation day for Sunshine Programme. Im the top producer among the participant, which submitted about 15 kes which about RM80,000.

So i hope for next other month will maintain about RM100,000 to achive a trip to Bali.

Proud to Public Mutual's UTC

6 Golden Rules For Investing in Unit Trust

If you wanted/decided for investing in Unit Trust just remember simple 6 golden rules.

1. Investor's (you) Investment Objective

Example: Retirement Planning, Children Education, Savings can beat Inflation and Others

2. Invest in Mid to Long-Term time horizon

Invest more than 3 year above.

3. Invest Regularly/Repeatedly

Example: DCA -Dollar Cost Averaging, VCA-Value Cost Averaging

never invest all your money at once.

4. Investor's (you) Risk Profile

Example: Invest in type of fund, Aggressive, Moderate and Conservative.

UTC will recommended the funds accordingly

5. Establish Expected Returns

Expected Mid to Long -Term Unit Trust Return 6% - 12% p.a.

6. Review Regularly & Rebalanced

If the objectives achieved, time horizon and change of risk profile, investor's investment need to review.

Example: Invest 70% Equity Fund and 30% in Bond Fund

Happy Investing!