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Etiqa Blog – Insurance & Takaful Tips
  • All Things Insurance
  • Car
  • Health
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  • Get Online
    • Car Insurance
    • Travel Insurance
    • Home Insurance
    • Life & Family Insurance
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Tiqa

Tiqa

Tiqa

All Things InsuranceFeaturedUncategorized

Insurans Hayat Jangka Pendek: 2 Kelebihan Jika Anda Mencari Polisi Insurans

by Tiqa 16/02/2021

Insurans Hayat merupakan salah satu bentuk perlindungan kewangan yang kita perlukan.

Hal ini kerana, kita tidak tahu bila dan di mana sesuatu perkara yang tidak diingini seperti kemalangan, hilang upaya dan kematian akan berlaku.

Antara jenis insurans yang sering menjadi pilihan ialah insurans hayat seumur hidup. Namun, tidak semua orang bersedia untuk mencarum dalam jenis insurans ini kerana ia memerlukan komitmen jangka masa panjang.

Jika anda tergolong dalam kategori ini, insurans hayat jangka pendek adalah salah satu alternatif yang anda boleh pertimbangkan.

Teruskan membaca untuk mengetahui dengan lebih lanjut.

Apa Itu Insurans Hayat Jangka Pendek?

Berbeza dengan insurans hayat seumur hidup, insurans hayat jangka pendek memberikan perlindungan dalam tempoh masa tertentu.

Tempoh masa akan dipersetujui oleh anda dan syarikat insurans. 

Sebagai contoh, sekiranya anda meninggal dunia dalam tempoh polisi, penama anda akan dibayar untuk manfaat kematian.

Dengan kata lain, ia adalah jaminan sekiranya berlaku kematian dalam tempoh polisi.

Anda mungkin boleh melanjutkan tempoh polisi apabila ia tamat tetapi premium bulanan yang baharu bergantung pada umur dan keadaan kesihatan anda pada ketika itu.

2 Kelebihan Insurans Hayat Jangka Pendek

  1. Pilihan insurans dalam tempoh yang singkat dan sementara

Jenis insurans ini merupakan pilihan yang baik untuk keperluan sementara. 

Insurans jangka masa pendek memberikan individu lebih banyak fleksibiliti untuk menyesuaikan tahap perlindungan insurans mengikut keperluannya seseorang kerana tidak terikat dengan komitmen jangka panjang.

  1. Membantu bagi merancang pelan kewangan anda

Seperti yang telah dinyatakan, insurans hayat jangka pendek adalah pelan dalam tempoh yang singkat dan memberikan pelbagai pilihan kepada anda untuk mendapatkan pelan kewangan yang sesuai untuk diri anda.

Insurans hayat dengan tempoh polisi yang pendek juga boleh membantu dalam perancangan kewangan individu bagi jangka pendek. Contohnya, individu bujang boleh memanfaatkan pelan kewangan bersama perlindungan insurans dengan tempoh polisi yang pendek sementara belum berkahwin, dan boleh mendapatkan pelan insurans jangka panjang dengan jumlah perlindungan yang lebih tinggi apabila telah berkeluarga.

Pilihan Insurans Hayat Jangka Pendek

Sekarang, anda sudah paham mengetahui insurans ini dan kelebihannya. Persoalannya, di manakah anda boleh mendapatkannya?

Kami mengesyorkan e-Treasure 3 Insurance daripada Etiqa. Tempoh pelan insurans ini adalah selama 3 tahun.

Dengan ini, anda bukan sahaja mendapat perlindungan insurans dalam tempoh yang dinyatakan, anda juga boleh membuat simpanan pada masa yang sama.

Ini merupakan pelan insurans yang menawarkan perlindungan kematian dan jaminan bayaran tunai tahunan sehingga 2.5% daripada jumlah keseluruhan premium yang dibayar.

Pelan simpanan insurans ini disertakan dengan pembayaran tunai yang dijamin meningkat setiap tahun dalam tempoh masa 3 tahun.

Etiqa e-Treasure 3 adalah pelan Insurans Hayat Jangka Pendek dengan penerimaan serta- merta semasa mendaftar.

Ciri-ciri utama:

  1. Pembayaran Tunai Tahunan Dijamin

Dapatkan jumlah tunai tahunan yang meningkat setiap tahun, sehingga 2.5%* daripada jumlah keseluruhan premium yang dibayar.

*Bayaran Tunai Dijamin, dengan syarat premium dibayar tepat pada masanya.

  1. Jaminan Bayaran Matang 

Anda akan menerima 100% daripada jumlah premium yang dibayar apabila polisi matang.

  1. Jaminan Penerimaan 

Semua permohonan diluluskan serta-merta tanpa pemeriksaan kesihatan.

  1. Manfaat Kematian

Pembayaran tunai sebanyak 105% daripada jumlah premium yang dibayar akan dikreditkan terus ke akaun orang tersayang apabila anda meninggal dunia.

Bagaimana ia bermula: 

  • Hari 1 untuk Tahun Polisi Pertama 

Mulakan pelan anda dengan premium tahunan RM30,000.

  • Akhir Tahun Polisi Pertama

Anda akan menerima Jaminan Bayaran Tunai Tahunan sebanyak RM600 (2% daripada jumlah premium yang dibayar)

  • Hari 1 Tahun Polisi Ke-2

Anda terus membayar premium tahunan anda sebanyak RM30,000

  • Akhir Tahun Polisi Ke-2

Dengan jumlah premium yang dibayar sebanyak RM60,000, anda akan menerima Jaminan Bayaran Tunai Tahunan sebanyak RM1,350 (2.25% dari jumlah premium yang dibayar)

  • Hari 1 Tahun Polisi Ke-3

Pada tahun terakhir polisi, anda TIDAK perlu membuat pembayaran premium.

  • Akhir Tahun Polisi Ke-3

Apabila polisi anda matang, anda akan menerima:

  • Jaminan Bayaran Tunai Tahunan sebanyak RM1,500 (2.5% daripada jumlah premium yang dibayar)
  • Dan, Jaminan Bayaran Matang sebanyak RM60,000 (100% daripada jumlah premium yang dibayar)

Oleh itu, dalam tempoh 3 tahun, anda akan mendapat jumlah bayaran tunai sebanyak RM63,450.

Kesimpulan

Kesimpulannya, anda mempunyai pilihan untuk memilih jenis insurans yang sesuai dengan situasi anda.

Insurans Hayat Jangka Pendek merupakan satu pilihan yang baik dan terdapat kelebihan tersendiri.
Untuk maklumat lanjut mengenai Etiqa e-Treasure 3, anda boleh klik disini.

16/02/2021 0 comment
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Beautiful house
Home

10 Essential Ways to Protect Your Home While You’re Away on Holiday

by Tiqa 10/10/2019

Beautiful house

Photo by Alturas Homes from Pexels

The school holidays are coming up and you’re planning to go on a family trip for a few days. You may have chosen a destination, booked your flights and hotels and readied a checklist of what to pack – but don’t forget to make preparations for keeping your empty home as safe as possible!

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10/10/2019 0 comment
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Car

5 Warning Lights On Your Car Dashboard You Shouldn’t Ignore

by Tiqa 10/10/2019

dashboard lights

Photo by Malte Lu from Pexels

Have you ever had a symbol you never noticed before suddenly light up on your car dashboard?

When something goes wrong with your car, a signal goes through the electrical system to the dashboard to highlight an issue. Some indicate a serious malfunction, while others are warnings to take action. Regular servicing should prevent any problems,

It’s important to know what the car dashboard warning lights actually mean because they can prevent a car breakdown and further damage to your car parts, and save you from an expensive visit to the mechanic’s workshop.

Here are the most important warning lights you should watch out for and what to do when they light up.

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10/10/2019 0 comment
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Money

50 Ways to Save on Your Monthly Expenses

by Tiqa 10/10/2019

saving money

Photo by rawpixel.com from Pexels

So you’re counting down to the next pay day just a few days after your salary was deposited into your bank account?   

You may have made this complaint yourself: prices are going up but our salaries are the same. Feeling sorry for ourselves may is easy, but is unproductive. It only allows us to make excuses instead of taking the steps needed to overcome our financial challenges.  

If you need some ideas for saving money, you’ve come to the right place. Here are some ways to cut down on expenses and uncover extra cash that we can save for a rainy day.

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10/10/2019 0 comment
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All Things Insurance

Frequently Asked Questions About Life Insurance

by Tiqa 10/10/2019

family at sunset

Photo by Pixabay from Pexels

If you’re a first time insurance buyer, you may have a lot of questions about getting the right coverage.

We’ve put together a list of frequently asked questions and answers to help you make the right choice.

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10/10/2019 0 comment
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writing debt
Money

A Step-By-Step Guide to Clearing Your Debts

by Tiqa 10/10/2019

writing debt

Photo by rawpixel.com from Pexels

Malaysians have an average debt to income ratio of 89% (as at 2016).

Bank Negara Malaysia

According to Bank Negara Malaysia, Malaysians have an average debt to income ratio of 89% (as at 2016). That means that Malaysians would have 11% left for living expenses that aren’t tied up in loans and monthly payments. The acceptable figure for household debt to income ratio is actually at 30%, leaving 60% of income to be saved and enjoyed. 

If you’re asking why this is bad if you’re surviving so far, then you may not be ready for emergencies and retirement. Working towards a manageable debt to income ratio, or even just clearing your debt completely can take a huge weight off your shoulders. You’ll be free to make the most out of life without worrying about how to make ends meet.

Take the time to sit down, breathe, and focus on improving your bank balance. Whether you owe RM100 or RM10,000, follow these tips to clear your debts.

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10/10/2019 0 comment
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All Things InsuranceHome

Home Insurance: An Extra Cost or a Safety Net?

by Tiqa 10/10/2019

modern house

Photo by Milly Eaton from Pexels

Home insurance doesn’t have to be expensive. Explore three home insurance types that vary in costs and coverage.

Many Malaysians avoid buying home insurance because it’s considered an extra burden. After all, there’s already mortgage, bills, taxes, and life’s other expenses to worry about.

However, buying a home is a huge investment. So protecting your home against losses and disaster is crucial. Without insurance, you’d have to dig into your own savings to replace belongings, repair damages – or worse – rebuild your home in case of unfortunate incidents.

Let’s explore what your options are when it comes to insuring your home.

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10/10/2019 0 comment
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medical report
All Things InsuranceHealth

3 Risks You Take When You Depend on Your Employer’s Insurance Policy

by Tiqa 10/10/2019

medical report

Photo by rawpixel.com from Pexels

In Malaysia, employee medical coverage is mandatory. This may lead most of us to believe that if we fall sick or meet with an accident, the costs are safely covered by the company’s insurance. So we skip buying our own insurance and think we’ve saved money.

Unfortunately, people often underestimate the importance of buying their own insurance. Many think that buying personal medical insurance is because they get coverage from employers. But depending solely on your employer’s insurance coverage has its risks.

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10/10/2019 0 comment
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coins stacked
Money

7 Money Saving Habits You Should Start in Your 20s

by Tiqa 10/10/2019

coins stacked

You’re in your 20s, which means you’ve just finished university and are just starting out in your career, or have been in the workforce for a few years now. Old age and retirement are decades away, you say, so you’re not thinking about being financially savvy right now.

Nevertheless, it’s not too early to start thinking about developing good money habits. First, you’ll be able to void building up debt and putting your future self into financial trouble. Second, your future self won’t have to work so hard to be ready for retirement.

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10/10/2019 0 comment
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Popular Posts

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    Frequently Asked Questions About Life Insurance

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    5 Warning Lights On Your Car Dashboard You Shouldn’t Ignore

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    3 Risks You Take When You Depend on Your Employer’s Insurance Policy

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