SAVING VS INSURANCE

SAVINGS

Every month you do savings of RM200.
End of the year , total accumulated RM2400 + + (Including interest) (0.3% if in saving account  3% if in Fix Deposit, 7% if in ASB) Assume the savings constantly up to 5 years. Amounting RM12,000 ++ Unfortunately, you are diagnosed for Cancer preliminary level which needRM50,000 for treatment cost Thanks for your savings, you have RM12,000 but you still need RM38,000.

You have 3 options to fund the balance
  • Borrow
Family and friends will try their best to help you. But to borrow RM38,000 is near impossible unless your have a very rich relative.
  • Sell your assets
Your maybe have one or two assets which can be sold. But it takes at least 6 months to sell a house for example. If your assets still under bank’s loan, yet you cant sell it off.
  • Seek for Donation
Your saw on television, people seek  donation for themselves or their kids. Need money for surgery or treatment. If you are disable or really poor , you are qualified to seek donation under the television programme. But, you are income earner like executive in one big company, you will not getting any help by the donation programme because there are more needy people out there.
INSURANCE

Every month you do savings of RM200.
End of the year , total accumulated RM2400 + + (Including interest) (8%-9% in InvestmentLink or TakafulLink plan )
In case something bad happen to you , death or total permanent disable , Sum Assured RM100,000 will be compensate to next of kin or to you. (Even you pay insurance just for one month which is RM200 )
Up to 5 years. Amounting RM12,000 ++

Unfortunately, you are diagnosed for Cancer preliminary level which need RM50,000 for treatment cost. Now Medical Card will cover all the cost for you. Limit RM720,000 per lifetime (room RM150).
Plus, Rm50,000* pays at the early stages of various critical illnesses starts paying in stages between 25 per cent and 50 per cent from stage one to stage two depending on the 36 critical illness.

Plus, when you been hospitalized, you will be receiving up to RM200* per day as hospital benefits.
If you unable to work and no money to pay your premium, Contributor plan will continue to pay it. As the result, you still receive Protection and your savings still continue growing until age 80.

* depend on plan that you taken up

Rosazaman Sarifdin
Takaful GE
019-2699436
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7 Responses to SAVING VS INSURANCE

  1. Hazwani says:

    Boleh bagi penarangan tentang plan yang disediakan…

    • Razman says:

      boleh puan. tiada masalah, secara umumnya plan yang ada.
      plan
      haji @ umrah
      -simpanan dan perlindungan

      pendidikan
      -perubatan dan simpanan
      -simpanan

      pelindungan
      -perlindungan, medical dan simpanan

      Pelaburan

      Pelupusan hutang

  2. ZARINA BINTI ZAINOL says:

    Salam. I am turning 38 yrs in Sept this year and my son was born 17th Feb 2012. Boleh email kan saya proposal (minimum).

  3. mas ruhaiza hani says:

    Assalamualaikum..sy memiliki polisi insuran GE yg biasa..klau nk tukar ke GE takaful bagaimana caranya…

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