tag:blogger.com,1999:blog-84424683035998685152024-03-05T17:36:11.204-08:00Takaful Pilihan AndaJazimahhttp://www.blogger.com/profile/10905162934729122926noreply@blogger.comBlogger28125tag:blogger.com,1999:blog-8442468303599868515.post-42873574213964046632011-12-19T00:11:00.001-08:002011-12-19T00:21:11.437-08:00Join Us...!<br />
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<a href="http://mfgroupprudential.files.wordpress.com/2010/04/flyer-bop.jpg" style="background-color: white; border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #0060ff; font-family: inherit; font-style: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; outline-color: initial; outline-style: initial; outline-width: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-decoration: none; vertical-align: baseline;"><img alt="" class="size-medium wp-image-52 aligncenter" height="208" src="http://mfgroupprudential.files.wordpress.com/2010/04/flyer-bop.jpg?w=439&h=208" style="-webkit-box-shadow: rgba(0, 0, 0, 0.0976563) 1px 1px 5px; background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; border-bottom-width: 0px; border-color: initial; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; border-width: initial; box-shadow: rgba(0, 0, 0, 0.0976563) 1px 1px 5px; clear: both; display: block; height: auto; margin-bottom: 2px; margin-left: auto; margin-right: auto; max-width: 100%; padding-bottom: 5px; padding-left: 5px; padding-right: 5px; padding-top: 5px; position: relative; width: auto;" title="flyer bop" width="439" /></a></div>
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<span style="background-color: white;">We are Integrated Bumiputra financial Services which believe in developing High Flyers and quality Leaders as Financial Advisers.</span></div>
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<span style="background-color: white;">We are offering Qualified Bumiputra who are ambitious and willing to excel and become Financially Independent with our UK Partners Prudential assurance Plc. UK.Training are provided with a condusive working environment.</span></div>
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<span style="background-color: white;">We guaranteed your success with our proven simple system and provided Financial Support who dares to take up a Full Time Career with us.</span></div>
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<span style="background-color: white;"><span class="Apple-style-span" style="color: #333333;">Those who believe they deserved a better and quality lifestyles and who loves overseas travels are strongly encouraged to apply. Just email us at </span><span style="color: red;">jazimah</span><span class="Apple-style-span" style="color: red;">@prupartner.com.my </span>or<span class="Apple-style-span" style="color: red;"> Tel 012-6696054</span><span class="Apple-style-span" style="color: #333333;">.</span></span></div>
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<strong style="border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-family: inherit; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; outline-color: initial; outline-style: initial; outline-width: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span style="background-color: white; border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: red; font-family: inherit; font-style: inherit; font-weight: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; outline-color: initial; outline-style: initial; outline-width: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">1)Be a Prudential Wealth Planner!</span></strong></div>
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<span style="background-color: white;">With Prudential, your path towards success as a Prudential Wealth Planner is well charted and clear. Starting off with Personal Sales, you begin as a New Quality Agent. After undergoing training and exams, you will qualify as a certified Wealth Planner and from there you will gain valuable knowledge in the field and benefit from progressive personal development.</span></div>
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<span style="background-color: white;">Your experiences will help instil leadership qualities that will prepare you for a role model as a Wealth Manager. As you advance in your career, you will gradually scale the different levels of a Wealth Manager from Executive to Senior and Premier levels, concentrating more on Agency Building where you will be managing Quality Agents. Eventually, you will reach the peak of your career as the head of a Premier Agency Leader Corporation where your focus will be dedicated on the corporatisation of your very own agency.</span></div>
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<span style="background-color: white;">2) Why Prudential?</span></div>
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<span style="background-color: white;">A Wealth of Experience</span></div>
<ul style="border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #333333; font-family: inherit; font-size: 14px; font-style: inherit; line-height: 23px; list-style-image: initial; list-style-position: initial; list-style-type: square; margin-bottom: 1.7em; margin-left: 2.5em; margin-right: 0px; margin-top: 0px; outline-color: initial; outline-style: initial; outline-width: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">
<li style="border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-family: inherit; font-style: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; outline-color: initial; outline-style: initial; outline-width: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span style="background-color: white;">Prudential offers over 160 years of listening to our customers and understanding their financial and protection needs. This is in line with our Mission: Together Securing Your Future. It is only when we work hand in hand with our customers can we provide them with the highest levels of service that they have come to expect from us.</span></li>
<li style="border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-family: inherit; font-style: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; outline-color: initial; outline-style: initial; outline-width: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span style="background-color: white;">As part of Prudential plc. United Kingdom (UK), one of the largest financial services groups in the world, Prudential in Malaysia is backed by global expertise to provide Malaysians with a comprehensive and complete range of financial solutions catering to their savings, protection, investment and retirement needs.</span></li>
<li style="border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-family: inherit; font-style: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; outline-color: initial; outline-style: initial; outline-width: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span style="background-color: white;">Carrying a full complement of product consisting of Life Insurance, Takaful, General Insurance, Unit Trust and Will Writing including award-winning funds to Syariah compliant solutions, Prudential has it all to cater to the needs of Malaysians from all walks of life.</span></li>
<li style="border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-family: inherit; font-style: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; outline-color: initial; outline-style: initial; outline-width: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span style="background-color: white;">Prudential Assurance Malaysia backed by 2 acclaimed establishments, both experts in their own fields: -Prudential Fund Management Berhad (PFMB) & Prudential BSN Takaful Berhad (PruBSN)</span></li>
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<span style="background-color: white;">Investment Expertise Worldwide</span></div>
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<li style="border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-family: inherit; font-style: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; outline-color: initial; outline-style: initial; outline-width: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span style="background-color: white;">Prudential boasts a strong and solid track record in product leadership</span></li>
<li style="border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-family: inherit; font-style: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; outline-color: initial; outline-style: initial; outline-width: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span style="background-color: white;">Our network of financial experts from all over the globe offers professional insights that keep us ahead in product innovation</span></li>
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<span style="background-color: white;">Superior Market Knowledge</span></div>
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<span style="background-color: white;">A leader in product innovation<br />- Pioneer of the investment-linked product in 1997<br />- First to introduce a unique Crisis Cover Income and Major Medical Coverage in 1998<br />- First to launch an innovative,regular premium investment-linked education plan in 2000</span></div>
<div style="border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #333333; font-family: inherit; font-size: 14px; font-style: inherit; line-height: 23px; margin-bottom: 1.7em; margin-left: 0px; margin-right: 0px; margin-top: 0px; outline-color: initial; outline-style: initial; outline-width: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">
<span style="background-color: white;">Untiring efforts to champion customer-centric products to meet the needs of various segments of the Malaysia population.</span></div>
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<span style="background-color: white;">3)How will Prudential help you?</span></div>
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<strong style="background-color: white; border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-family: inherit; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; outline-color: initial; outline-style: initial; outline-width: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">Agency Financing Scheme</strong></div>
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<span style="background-color: white;">To build a new business may mean to same, a temporary suspension of income. it is for this reason that the Prudential Agency Financing Scheme is structured to supplement your income so that you are free from financial barriers in your path to success.</span></div>
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<a href="http://mfgroupprudential.files.wordpress.com/2010/04/afs-table-1.jpg" style="background-color: white; border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #0060ff; font-family: inherit; font-style: inherit; margin-left: 1em; margin-right: 1em; margin-top: 0px; outline-color: initial; outline-style: initial; outline-width: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-decoration: none; vertical-align: baseline;"><img alt="" class="alignnone size-full wp-image-115" height="251" src="http://mfgroupprudential.files.wordpress.com/2010/04/afs-table-1.jpg?w=587&h=251" style="-webkit-box-shadow: rgba(0, 0, 0, 0.0976563) 1px 1px 5px; background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; border-bottom-width: 0px; border-color: initial; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; border-width: initial; box-shadow: rgba(0, 0, 0, 0.0976563) 1px 1px 5px; height: auto; max-width: 100%; padding-bottom: 5px; padding-left: 5px; padding-right: 5px; padding-top: 5px; position: relative; width: auto;" title="afs-table-1" width="587" /></a></div>
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<span style="background-color: white;"><strong style="border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-family: inherit; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; outline-color: initial; outline-style: initial; outline-width: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">- PRUbusiness Academy -</strong>The academy’s role is to impart knowledge, guidance and training to Quality Agents to develop their career progress. Covering a comprehensive range of courses and learning programs, the academy provides specialized classes to suit the various levels of the Prudential Wealth Planner. This includes Sales & Financial Planning, Products & Technical training, Personal Effectiveness coaching, Agency Management and Leadership.</span></div>
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<span style="background-color: white;">- PRUway -<br />As a Prudential Wealth Planner,you will always be on the go. That is way Prudential has designed an innovative point of sales system so that you have the mobility to meet with your customers to conduct sales or to provide service, anytime, anywhere. With PRUway, you also enjoy the convenience of accessing accurate financial calculations and analysis to further enhance your professional relationship with your clients.</span></div>
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<span style="background-color: white;">4)Towards your dreams with Prudential</span></div>
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<span style="background-color: white;">Potential Income as a Prudential Wealth Planner</span></div>
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<span style="background-color: white;">The income model above provides an illustration of the income you can expect to draw when you become a Prudential Wealth Planner.</span></div>
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<span style="background-color: white;">Let’s in your first year, you are able to bring in RM200,000 worth of Life & Takaful cases, RM25,000 worth of General Insurance cases and RM250,000 worth of Unit Trust cases.</span></div>
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<span style="background-color: white;">In the first year itself, you will make a commission of RM50,000 (from Life & Takaful), RM5,000 (from General Insurance) and RM7,500(from Unit Trust). That means you make on commission alone, RM62,500 in your first year!</span></div>
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<span style="background-color: white;">In the following years, with renewals, continued commitment and dedication your commissions will increase progressively and by the fourth yea, you could be drawing an income of RM249,500 annually! That’s an average of approximately RM21,000 a month! With your drive and skills, the sky is the limit</span></div>
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<span style="background-color: white;">Prudential’s agents are known for their productiveness as compared to other industries, which thus translates to twice as much in earnings.</span></div>
</div>Jazimahhttp://www.blogger.com/profile/10905162934729122926noreply@blogger.com0tag:blogger.com,1999:blog-8442468303599868515.post-34019008435555715412011-12-19T00:10:00.001-08:002011-12-19T00:10:32.857-08:00Sertai Kami sebagai Perancang Kewangan Prudential<br />
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<span style="background-color: white;">Telah ramai yang memilih Prudential,anda bila lagi?</span></div>
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<span class="Apple-style-span" style="background-color: white; font-family: Verdana, sans-serif;">Sertai Kami sebagai Perancang Kewangan Prudential</span></div>
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<b><span class="Apple-style-span" style="background-color: white; font-family: Verdana, sans-serif;"><br /></span></b></div>
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<span style="background-color: white;"><span class="Apple-style-span" style="color: #333333; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 15px; line-height: 20px;"><br /></span><br /><span class="Apple-style-span" style="color: #333333; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 15px; line-height: 20px;">We are Integrated Bumiputra financial Services which believe in developing High Flyers and quality Leaders as Financial Advisers. We are offering Qualified Bumiputra who are ambitious and willing to excel and become Financially Independent with our UK Partners Prudential assuarance Plc. UK.Training are provided with a condusive working environment. We guaranteed your success with our proven simple system and provided Financial Support who dares to take up a Full Time Career with us. Those who believe they deserved a better and quality lifestyles and who loves overseas travels are strongly encouraged to apply. </span><br /><b><span class="Apple-style-span" style="font-family: Verdana, sans-serif;"><br /></span></b><br /><span class="Apple-style-span" style="font-family: Verdana, sans-serif; line-height: 20px;">Sila hadir ke sessi Business Opportunity Preview setiap hari Sabtu, jam 11.00am – 12.30pm di alamat dibawah:</span><br /><b><span class="Apple-style-span" style="font-family: Verdana, sans-serif;"><br /></span></b></span><div class="separator" style="clear: both;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiIsikqTJU8fuj8NNuF_oDPOv1SbsItjFG6z1y01HFRuMEdvHsvuOjxozEzspUo8bxS8F0VVztD_jnCmvceUU1TRTWCDaZ-alHr-ADib_WF01qXxJ0vMBl52hyLaPc5BUZ2u1DWXxOBVzY/s1600/map-di2.png" imageanchor="1" style="background-color: white; color: #444444; margin-left: 1em; margin-right: 1em; text-decoration: none;"><img border="0" height="226" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiIsikqTJU8fuj8NNuF_oDPOv1SbsItjFG6z1y01HFRuMEdvHsvuOjxozEzspUo8bxS8F0VVztD_jnCmvceUU1TRTWCDaZ-alHr-ADib_WF01qXxJ0vMBl52hyLaPc5BUZ2u1DWXxOBVzY/s400/map-di2.png" style="-webkit-box-shadow: rgba(0, 0, 0, 0.0976563) 1px 1px 5px; background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; border-bottom-color: rgb(238, 238, 238); border-bottom-style: solid; border-bottom-width: 1px; border-color: initial; border-image: initial; border-left-color: rgb(238, 238, 238); border-left-style: solid; border-left-width: 1px; border-right-color: rgb(238, 238, 238); border-right-style: solid; border-right-width: 1px; border-top-color: rgb(238, 238, 238); border-top-style: solid; border-top-width: 1px; border-width: initial; box-shadow: rgba(0, 0, 0, 0.0976563) 1px 1px 5px; padding-bottom: 5px; padding-left: 5px; padding-right: 5px; padding-top: 5px; position: relative;" width="400" /></a></div>
<span style="background-color: white;"><b><span class="Apple-style-span" style="font-family: Verdana, sans-serif;"><br /></span></b><br /><b><span class="Apple-style-span" style="font-family: Verdana, sans-serif;">Prudential Assurance Malaysia Berhad,</span></b></span></div>
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<span class="Apple-style-span" style="background-color: white; font-family: Verdana, sans-serif;">MF Group, Suite 631,</span></div>
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<span class="Apple-style-span" style="background-color: white; font-family: Verdana, sans-serif;">6th Floor, Block A, Damansara Intan,</span></div>
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<span class="Apple-style-span" style="background-color: white; font-family: Verdana, sans-serif;">No 1, Jalan SS20/27,</span></div>
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<span class="Apple-style-span" style="background-color: white; font-family: Verdana, sans-serif;">47400 Petaling Jaya, Selangor</span></div>
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</div>Jazimahhttp://www.blogger.com/profile/10905162934729122926noreply@blogger.com0tag:blogger.com,1999:blog-8442468303599868515.post-61570463341858370262011-12-19T00:09:00.002-08:002011-12-19T00:09:50.827-08:00JAWATAN KOSONG!<br />
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<span class="Apple-style-span" style="font-family: Verdana, sans-serif; font-size: medium;">Kami memerlukan<strong> ANDA</strong> untuk mengisi jawatan sebagai</span></div>
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<span class="Apple-style-span" style="font-family: Verdana, sans-serif; font-size: medium;">Perunding Insurans dan Takaful (Sepenuh Masa/Sambilan)</span></div>
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<strong><span class="Apple-style-span" style="font-size: medium;">BERMINAT?</span></strong></div>
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<div style="line-height: 1.5em;">
Sila hantar maklumat berikut ke:</div>
<div style="line-height: 1.5em;">
<br /></div>
</span></span><span class="Apple-style-span" style="background-color: white; font-family: 'lucida grande', tahoma, verdana, arial, sans-serif; line-height: 16px;">muhammadirfan@prupatner.com.my</span><span class="Apple-style-span" style="font-family: 'lucida grande', tahoma, verdana, arial, sans-serif;"><span class="Apple-style-span" style="line-height: 16px;"><br /></span></span><span class="Apple-style-span" style="font-family: Verdana, sans-serif;"><span class="Apple-style-span" style="background-color: white; line-height: 16px;"><div style="line-height: 1.5em;">
<br /></div>
<div style="line-height: 1.5em;">
atau SMS ke nombor 012-3491560</div>
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<br /></div>
<div style="line-height: 1.5em;">
1. Nama Penuh</div>
<div style="line-height: 1.5em;">
<br /></div>
<div style="line-height: 1.5em;">
2. Tarikh Lahir</div>
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<div style="line-height: 1.5em;">
3. Kelulusan</div>
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4. Pekerjaan</div>
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5. Nombor Telefon</div>
<div style="line-height: 1.5em;">
<br /></div>
<div style="line-height: 1.5em;">
6. Lokasi</div>
<div style="line-height: 1.5em;">
<br /></div>
<div style="line-height: 1.5em;">
Untuk makluman, peluang ini hanya terbuka kepada mereka yang berada di sekitar Kuala Lumpur dan Selangor sahaja.</div>
<div style="line-height: 1.5em;">
<br /></div>
<div style="line-height: 1.5em;">
Setelah maklumat ini dihantar, anda akan saya hubungi dengan SEGERA.</div>
<div style="line-height: 1.5em;">
<br /></div>
<div style="line-height: 1.5em;">
Saya juga akan memberikan penerangan terperinci dan prosedur untuk menjadi seorang Perunding Takaful.</div>
</span></span></div>Jazimahhttp://www.blogger.com/profile/10905162934729122926noreply@blogger.com0tag:blogger.com,1999:blog-8442468303599868515.post-69415794453604210222011-12-19T00:09:00.000-08:002011-12-19T00:09:10.633-08:00Aktiviti Kami<br />
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<span class="Apple-style-span" style="background-color: white; font-family: Verdana, sans-serif;"><b>Kegembiraan hanya datang bila kita berjaya menggembirakan orang lain.Dan apabila orang lain gembira,kegembiraan itu juga pasti milik kita.</b></span></div>
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</div>Jazimahhttp://www.blogger.com/profile/10905162934729122926noreply@blogger.com0tag:blogger.com,1999:blog-8442468303599868515.post-23889168661608945962011-12-19T00:06:00.001-08:002011-12-19T00:06:36.100-08:00Rules & Regulations<br />
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<span style="background-color: white;"><b style="font-family: Times, 'Times New Roman', serif; font-size: xx-large;"><i><span class="Apple-style-span" style="color: red;">M</span><span class="Apple-style-span" style="color: blue;">F</span></i> GROUP</b><span class="Apple-style-span" style="font-family: Times, 'Times New Roman', serif; font-size: large;"> </span></span></div>
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<span class="Apple-style-span" style="background-color: white; font-family: Verdana, sans-serif;">So long as I live, I will do, and do and do again. Each obstacle I will consider it as a mere detour to my goal and a challenge to my profession. I will persist and develop my skill by learning to ride out the wrath of each storm. </span></div>
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<span class="Apple-style-span" style="background-color: white; font-family: Verdana, sans-serif;">So long as there is breath in me, that long will I persist. </span></div>
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<span class="Apple-style-span" style="background-color: white; font-family: Verdana, sans-serif;">I KNOW I WILL WIN UNTIL THE END !!!<span class="Apple-tab-span" style="font-size: medium; white-space: pre;"> </span></span></div>
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<span class="Apple-style-span" style="font-family: Times, 'Times New Roman', serif;"><span class="Apple-style-span" style="background-color: white; font-size: large;">GOLDEN RULES</span></span></div>
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<li style="margin-bottom: 0.25em; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px;"><span class="Apple-style-span" style="background-color: white; font-family: Verdana, sans-serif;">Always pass positive remarks</span></li>
<li style="margin-bottom: 0.25em; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px;"><span class="Apple-style-span" style="background-color: white; font-family: Verdana, sans-serif;">Listen to only positive remarks and give more energy to it.</span></li>
<li style="margin-bottom: 0.25em; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px;"><span class="Apple-style-span" style="background-color: white; font-family: Verdana, sans-serif;">Always be clear, happy and understanding with all concerned</span></li>
<li style="margin-bottom: 0.25em; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px;"><span class="Apple-style-span" style="background-color: white; font-family: Verdana, sans-serif;">Encourage new agents to have a great start in this business, always talk about the good, the best, and the great about all agent in this agency.</span></li>
<li style="margin-bottom: 0.25em; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px;"><span class="Apple-style-span" style="background-color: white; font-family: Verdana, sans-serif;">Do give positive remarks about one another in this agency</span></li>
<li style="margin-bottom: 0.25em; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px;"><span class="Apple-style-span" style="background-color: white; font-family: Verdana, sans-serif;">Respect one another and accept him/her for what he/she is, for no one is perfect</span></li>
<li style="margin-bottom: 0.25em; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px;"><span class="Apple-style-span" style="background-color: white; font-family: Verdana, sans-serif;">Learn to give and take</span></li>
<li style="margin-bottom: 0.25em; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px;"><span class="Apple-style-span" style="background-color: white; font-family: Verdana, sans-serif;">Be humble</span></li>
<li style="margin-bottom: 0.25em; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px;"><span class="Apple-style-span" style="background-color: white; font-family: Verdana, sans-serif;">Be an energy giver and respect one another</span></li>
<li style="margin-bottom: 0.25em; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px;"><span class="Apple-style-span" style="background-color: white; font-family: Verdana, sans-serif;">Be responsible towards the agency </span></li>
<li style="margin-bottom: 0.25em; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px;"><span class="Apple-style-span" style="background-color: white; font-family: Verdana, sans-serif;">Be a team player</span></li>
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<br class="Apple-interchange-newline" />Jazimahhttp://www.blogger.com/profile/10905162934729122926noreply@blogger.com0tag:blogger.com,1999:blog-8442468303599868515.post-36448091958614255082011-12-19T00:05:00.000-08:002011-12-19T00:05:14.304-08:00Assalamualaikum...<br />
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<span class="Apple-style-span" style="background-color: white; color: #0b5394; font-family: 'Trebuchet MS', sans-serif; font-size: large;">Sepatah 2 Kata Dari Perancang Takaful Anda</span></div>
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<span class="Apple-style-span" style="background-color: white; font-family: Verdana, sans-serif; font-size: medium;">Selamat datang ke blog kami yg akhirnya sempurna disiapkan,harap tuan-tuan dan puan-puan dapat sedikit info yang boleh diguna pakai dalam kehidupan harian setelah melewati blog kami ini.Tugas kami masih belum selesai di sini dan banyak lagi agenda yang perlu kami tuntaskan.</span></div>
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<span class="Apple-style-span" style="background-color: white; font-family: Verdana, sans-serif; font-size: medium;">Akhir kata sekiranya ada salah dan silap kami dalam blog ini kami mohon seribu keampunan,kami hanyalah insan yg tak lari dari melakukan kesilapan.Oleh itu <a href="http://jazimah-perundingtakafulanda.blogspot.com/2011/06/hubungi-saya.html" style="text-decoration: none;"><span style="color: red;">sekiranya anda ingat takaful...maka anda akan ingatlah juga pada kami</span></a>...SALAM.</span></div>Jazimahhttp://www.blogger.com/profile/10905162934729122926noreply@blogger.com0tag:blogger.com,1999:blog-8442468303599868515.post-36133340472740661542011-12-19T00:02:00.001-08:002011-12-19T00:02:48.865-08:00Memahami Insurans dan Takaful<br />
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<tr><td><span class="Apple-style-span" style="background-color: white; font-family: Verdana, sans-serif; font-size: x-small;"><span class="Apple-style-span" style="color: blue;">Insurans</span><span class="Apple-style-span" style="color: black;"> adalah pemindahan risiko daripada seorang individu seperti anda, atau sebuah organisasi, seperti syarikat anda, kepada syarikat insurans. Anda atau syarikat anda akan dikenali sebagai pemegang polisi. Syarikat insurans akan menerima bayaran daripada anda dalam bentuk premium dan sekiranya anda mengalami sebarang kerugian atau kerosakan, syarikat insurans akan membayar pampasan kepada anda.</span></span></td></tr>
<tr><td><span style="background-color: white;"><span class="Apple-style-span" style="font-family: Verdana, sans-serif; font-size: x-small;"><br /></span><span class="Apple-style-span" style="font-family: Verdana, sans-serif; font-size: x-small;"><span class="Apple-style-span" style="color: blue;">Takaful</span><span class="Apple-style-span" style="color: black;"> adalah pelan perlindungan berdasarkan prinsip Syariah. Dengan mencarum sejumlah wang ke dalam dana takaful dalam bentuk caruman penyertaan (tabarru), anda memeterai kontrak (aqad) bagi membolehkan anda menjadi seorang peserta dengan bersetuju untuk saling membantu antara satu sama lain, sekiranya salah seorang peserta mengalami kerugian yang ditetapkan. </span><br /><br /><span class="Apple-style-span" style="color: black;">Kedua-dua insurans dan takaful mempunyai prinsip asas yang sama. Sebagai contoh, pemegang polisi (anda) mestilah mempunyai kepentingan yang sah terhadap barang atau hayat yang diinsuranskan. Ini bermakna, anda akan menanggung kerugian kewangan sekiranya berlaku sesuatu kerosakan atau kehilangan kepada harta benda atau hayat yang diinsuranskan.</span><br /><br /><span class="Apple-style-span" style="color: black;">Anda tidak perlu membeli lebih daripada satu polisi atau pelan untuk melindungi harta anda. Sekiranya anda memiliki lebih daripada satu polisi, anda hanya boleh membuat satu tuntutan jika sebarang kerugian atau kerosakan berlaku. Jumlah yang boleh dibayar akan disumbangkan oleh syarikat-syarikat insurans yang terlibat. Oleh itu, anda tidak boleh meraih keuntungan daripada polisi insurans am atau pelan takaful. Sekiranya anda mengalami kerugian, syarikat insurans akan membayar pampasan yang setimpal atau anda akan ditetakkan kepada keadaan yang sama sebelum berlaku kerugian. Walau bagaimanapun, anda boleh membeli lebih daripada satu polisi untuk melindungi hayat anda.</span><br /><br /><span class="Apple-style-span" style="color: black;">Kontrak insurans atau takaful adalah atas prinsip penuh percaya mutlak . Oleh itu, anda sebagai pemegang polisi atau pelan haruslah mendedahkan semua maklumat penting yang diperlukan. Sekiranya anda gagal mendedahkan maklumat berkenaan, polisi atau pelan anda mungkin tidak sah dan anda tidak akan dilindungi ke atas sebarang kerugian atau kerosakan.</span><br /><br /><span class="Apple-style-span" style="color: black;">Selain itu, di bawah pelan takaful, anda boleh menikmati perkongsian lebihan daripada dana takaful, berdasarkan nisbah yang telah dipersetujui sekiranya anda tidak membuat sebarang tuntutan sepanjang tahun tersebut.</span></span></span></td></tr>
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</div>Jazimahhttp://www.blogger.com/profile/10905162934729122926noreply@blogger.com0tag:blogger.com,1999:blog-8442468303599868515.post-43405375030363094262011-12-18T23:35:00.001-08:002011-12-18T23:36:03.686-08:00Panel Hospital PruBSN Takaful<br />
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<span style="background-color: white;"><span class="Apple-style-span" style="color: #333333; font-family: 'Trebuchet MS', sans-serif; font-size: 16px; font-weight: normal; line-height: 25px;">Berikut adalah senarai Hospital Panel PruBSN Takaful seluruh Malaysia</span><span class="Apple-style-span" style="color: #333333; font-weight: normal;"><div class="post-body entry-content" style="font-size: 17px; line-height: 1.6em; margin-bottom: 0.75em; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-top: 50px; position: relative; width: 626px;">
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<span style="color: magenta;"><strong><span style="color: red;"><span style="font-family: 'Trebuchet MS', sans-serif;">Johor</span></span></strong></span></div>
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<span style="font-family: 'Trebuchet MS', sans-serif;"><strong>Medical Specialist Hospital</strong><br />Wisma Maria, Jalan Ngee Heng , 80100 Johor Bharu , Johor<br />Tel : 07-2243888 07-2236785<br /><br /><strong>Pusat Pakar Kluang Utama</strong><br />No. 1, Susur 1, Jalan Beasr, 86000 Kluang, Johor<br />Tel : 07-7718999 07-7728999<br /><br /><strong>Putra Specialist Hospital (Batu Pahat)</strong><br />(formerly known as The SouthernHospital, Batu Pahat)<br />No 1, Jln Peserai, 83000, Batu Pahat, Johor<br />Tel : 07-4133333 07-4133346<br /><br /><strong>Johor Specialist Hospital</strong><br />39-B Jalan Abdul Samad, 80100, Johor Bahru, Johor<br />Tel : 07-2253000 07-2248213<br /><br /><strong>Puteri Specialist Center 33</strong>,<br />Jalan Tun Razak (Susur 5), 80000, Johor Bahru, Johor<br />Tel : 07-2233377 07-2238833<br /><br /><strong>Hospital Pantai Batu Pahat</strong><br />9S, Jalan Bintang Satu, Taman Koperasi Bahagia, 83000 Batu Pahat, Johor </span></div>
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<span style="font-family: 'Trebuchet MS', sans-serif;">Kempas Medical Centre<strong></strong><br /><span style="font-weight: normal;">Lot PTD 7522, Jalan Kempas Baru, 81200 Johor Bharu, Johor</span><span style="font-weight: normal;"> </span><br /><span style="font-weight: normal;">Tel : </span><span style="font-weight: normal;">07-2368999 Fax : </span><span style="font-weight: normal;">07-2368222</span></span></div>
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<span style="font-family: 'Trebuchet MS', sans-serif;">Hospital Penawar ( Effective 1 June 2009)<br /><span style="font-weight: normal;">No. 17 & 18 ( A -D), Pusat Perniagaan Pasir Gudang , 81700, Johor</span><br /><span style="font-weight: normal;">Tel : </span><span style="font-weight: normal;">607-2521800</span></span><span style="font-weight: normal;"><br /></span></div>
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<span style="color: red;"><strong><a href="http://www.blogger.com/" name="Melaka" style="color: #be9113; text-decoration: none;"></a><span style="font-family: 'Trebuchet MS', sans-serif;">Melaka</span></strong></span></div>
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<span style="font-family: 'Trebuchet MS', sans-serif;"><strong>Putra Specialist Hospital (Melaka) Sdn Bhd</strong><br />(formerly known as TheSouthern Hospital, Melaka)<br />169, Jalan Bendahara , 75100 Melaka<br />Tel : 06-2835888 06-2810518<br /><br /><strong>Hospital Pantai Ayer Keroh 2418-1,</strong><br />KM 8, Lebuh Ayer Keroh , 75450 Melaka<br />Tel : 06-2319999 06-2313299<br /><br /><strong>Mahkota Medical Centre 3,</strong><br />Mahkota Melaka, Jalan Merdeka , 75000 Melaka<br />Tel : 06-2813333</span></div>
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<strong><span style="color: red;"><span style="font-family: 'Trebuchet MS', sans-serif;">Negeri Sembilan</span></span></strong></div>
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<span style="font-family: 'Trebuchet MS', sans-serif;"><strong>Columbia Asia Medical Centre,</strong><br />S'ban 292, Jalan Haruan 2, Oakland Commercial Centre,<br />70300 Seremban, Negeri Sembilan<br />Tel : 06-6011988 06-6011848<br /><br /><strong>N.S Chinese Maternity Medical Centre</strong><br />Jalan Tun Dr Ismail, 70200 Seremban , Negeri Sembilan.<br />Tel : 06-7622104 06-7630407<br /><br /><strong>Nilai Cancer Institute PT 13747,</strong><br />Jalan BBN 2/1 , 71800 Nilai, Negeri Sembilan.<br />Tel : 06-8500999 06-8500733<br /><br /><strong>Seremban Specialist Hospital</strong><br />Lot PT 6219 & PT 6220, Jln Tioman 1, Kemayan Square,<br />70200 Seremban, N Sembilan<br />Tel : 06-7677800 06-7675900 </span></div>
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<span style="color: red;"><strong><a href="http://www.blogger.com/" name="Kuala" style="color: #be9113; text-decoration: none;"></a><span style="font-family: 'Trebuchet MS', sans-serif;">Kuala Lumpur / Selangor</span></strong></span></div>
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<span style="font-family: 'Trebuchet MS', sans-serif;"><strong>Pantai Cheras Medical Centre </strong><br />1 Jalan, 1/96A, Taman Cheras Makmur , 56100 Kuala Lumpur<br />Tel : 03-91322022 03-91320732<br /><br /><strong>Sentosa Medical Centre </strong><br />36, Jalan Chemur, Kompleks Damai, 50400 Kuala Lumpur<br />Tel : 03-40437166 03-40437661<br /><br /><strong>Pantai Indah Medical Centre </strong><br />Jalan Perubatan 1 , Pandan Indah , 55100 Kuala Lumpur<br />Tel : 03-42892828 03-42892829<br /><br /><strong>Tung Shin Hospital </strong><br />102, Jalan Pudu , 55100 Kuala Lumpur<br />Tel : 03-20721655 03- 20700345<br /><br /><strong>Hospital Pusrawi Sdn Bhd </strong><br />Lot 149, Jalan Tun razak, 50400 Kuala Lumpur<br />Tel : 03-26875000 03- 26875016<br /><br /><strong>Assunta Hospital</strong><br />Jalan Templer, 46900 Petaling Jaya , Selangor<br />Tel : 03-76807000 /03 -77816902 03-77814933<br /><br /><strong>Gleneagles Hospital Kuala Lumpur </strong><br />282 & 286 Jalan Ampang, 50450 Kuala Lumpur<br />Tel : 03-4255 2707 03-4255 2711<br /><br /><strong>Subang Jaya Medical Centre</strong><br />1, Jalan SS12/1A, 47500 Subang Jaya, Selangor<br />Tel : 03-56341212 03-56306075<br /><br /><strong>Sri Kota Medical Centre</strong><br />Jalan Mohet , 41000 Klang , Selangor<br />Tel :03-33733636 03-33763888<br /><br /><strong>KPJ Kajang Specialist Hospital</strong><br />(formerly known as SentosaMedical Centre Kajang)<br />Batu 14, Jalan Cheras , 43000 Kajang , Selangor<br />Tel : 03-87692999 03-87692808<br /><br /><strong>Sunway Medical Center</strong><br />No5, Jln Lagoon Selatan, Bandar Sunway,<br />46150, Petaling Jaya, Selangor. </span></div>
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<span style="font-family: 'Trebuchet MS', sans-serif;">03-74919191 03-74910242<br /><br /><strong>Ampang Puteri Specialist Hospital</strong><br />No.1, Jalan Mamanda 9, Taman Dato'Ahmad Razali,<br />68000, Ampang, Selangor<br />Tel : 03-42702500 03-42702443<br /><br /><strong>Tawakal Hospital 202-A Jalan Pahang,</strong><br />53000 Kuala Lumpur 03-40233599<br />Tel : 03-40228063<br /><br /><strong>Damansara Specialist Hospital</strong><br />No. 119 Jalan SS 20/10, 47400 Petaling Jaya, Selangor<br />Tel : 03-77222692 03-42702443<br /><br /><strong>Pantai Medical Centre 8, Jalan Bukit Pantai,</strong><br />59100 Kuala Lumpur<br />Tel : 03-22960888 03-22960832</span></div>
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<span style="font-family: 'Trebuchet MS', sans-serif;"><strong>Columbia Asia Medical Centre, Puchong,</strong> </span></div>
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<span style="font-family: 'Trebuchet MS', sans-serif;">No 1, Lebuh Puteri, Bandar Puteri Puchong,<br />47100 Puchong, Selangor<br />Tel : 03-80648688</span></div>
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<span style="font-family: 'Trebuchet MS', sans-serif;"><strong>Pantai Klang Medical Centre,</strong> </span></div>
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<span style="font-family: 'Trebuchet MS', sans-serif;">Lot 5921, Persiaran Raja Muda Musa,41200 Klang, Selangor,<br />Tel : 603-33742020</span></div>
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<span style="font-family: 'Trebuchet MS', sans-serif;"><strong>Institut Jantung Negara,</strong> </span></div>
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<span style="font-family: 'Trebuchet MS', sans-serif;">145, Jalan Tun Razak, 50400 Kuala Lumpur,Tel : </span></div>
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<span style="font-family: 'Trebuchet MS', sans-serif;">+603-26178200</span></div>
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<span style="font-family: 'Trebuchet MS', sans-serif;"><strong>Prince Court Medical Centre,</strong> </span></div>
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<span style="font-family: 'Trebuchet MS', sans-serif;">39, Jalan Kia Peng , 50450 Kuala Lumpur</span></div>
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<span style="font-family: 'Trebuchet MS', sans-serif;">Tel : +603-21600000</span></div>
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<span style="font-family: 'Trebuchet MS', sans-serif;"><strong>KPJ Selangor Specialist Hospital (Effective 1 June 2009),</strong> </span></div>
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<span style="font-family: 'Trebuchet MS', sans-serif;">Lot 1, Jalan Singa 20/1, Section 20, 40300 Shah Alam, Selangor,</span></div>
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<span style="font-family: 'Trebuchet MS', sans-serif;">Tel : 03-5543 1111</span></div>
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<strong><span style="color: red;"><a href="http://www.blogger.com/" name="Kelantan" style="color: #be9113; text-decoration: none;"></a><span style="font-family: 'Trebuchet MS', sans-serif;">Kelantan</span></span></strong></div>
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<span style="font-family: 'Trebuchet MS', sans-serif;"><strong>Universiti Sains Malaysia USM,</strong><br />Kampus Kesihatan,<br />16150 Kubang Kerian,<br />Kota Bharu, Kelantan </span></div>
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<span style="font-family: 'Trebuchet MS', sans-serif;">Tel : 09-7663137</span></div>
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<span style="font-family: 'Trebuchet MS', sans-serif;"><strong>Perdana Specialist Hospital</strong><br />Lot PT37 & PT600, S<br />eksyen 14, Jalan Bayam.<br />15200 Kota Bharu, Kelantan </span></div>
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<span style="font-family: 'Trebuchet MS', sans-serif; font-size: xx-small;">Tel : 09-7458000 09-747 2877</span></div>
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<span style="font-family: 'Trebuchet MS', sans-serif;"><strong>Kota Bharu Medical Centre</strong><br />P.T 179-184, Jalan Sultan Yahya Petra, Lundang,<br />15150 Kota Bharu, Kelantan<br />Tel : 09-7433399 09-7478271 </span></div>
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<strong><span style="color: red;"><a href="http://www.blogger.com/" name="Terengganu" style="color: #be9113; text-decoration: none;"></a><span style="font-family: 'Trebuchet MS', sans-serif;">Terengganu</span></span></strong></div>
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<span style="font-family: 'Trebuchet MS', sans-serif;"><strong>Kuala Terengganu Specialist Hospital</strong><br />No. 443B, Jalan Kamarudin, 20400<br />Kuala Terengganu, Tereangganu<br />Tel : 09-6245353 09 Fax : 09-6265211</span></div>
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<strong><span style="color: red;"><a href="http://www.blogger.com/" name="Pahang" style="color: #be9113; text-decoration: none;"></a><span style="font-family: 'Trebuchet MS', sans-serif;">Pahang</span></span></strong><span style="font-family: 'Trebuchet MS', sans-serif;"> </span></div>
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<span style="font-family: 'Trebuchet MS', sans-serif; font-size: medium;"><strong>Kuantan Medical Centre 1,</strong><br />Jalan Tun Ismail 9,<br />25000 Kuantan , Pahang<br />Tel : 09-5142828 Fax 09-5163753<br /><br /><strong>Kuantan Specialist Hospital</strong><br />51 Jalan Alor Akar,<br />25250 Kuantan, Pahang </span></div>
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<span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif; font-size: medium;">Tel : 09-5678588 09-5678098</span></div>
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<span style="color: red;"><a href="http://www.blogger.com/" name="Sabah" style="color: #be9113; text-decoration: none;"></a><strong><span style="font-family: 'Trebuchet MS', sans-serif;">Sabah</span></strong></span><strong><br /></strong></div>
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<span style="font-family: 'Trebuchet MS', sans-serif;"><strong>Sabah Medical Centre</strong><br />Lorong Bersatu,<br />Off Jalan Damai Luyang,<br />88300 Kota Kinabalu, Sabah </span></div>
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<span style="font-family: 'Trebuchet MS', sans-serif;">Tel 088222922 Fax : 088243540</span></div>
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<span style="font-family: 'Trebuchet MS', sans-serif;"><strong>Rafflesia Medical Centre</strong><br />Lot 5, 6, 7, 8, Milennium Commercial Centre,<br />Off Jalan Lintas, Kepayan,<br />88200 Penampang,<br />Kota Kinabalu,Sabah </span><span style="font-family: 'Trebuchet MS', sans-serif; font-size: xx-small;">Tel : 088-272630 Fax : 088-272640</span></div>
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<span style="font-family: 'Trebuchet MS', sans-serif;"><strong>Damai Specialist Centre</strong><br />DSC Building, Lorong Pokok Tepus 1,<br />Off Jalan Damai,<br />88300 Kota Kinabalu, Sabah<br />Tel : 088-222922 Fax : 088-243540</span></div>
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<span style="font-size: 13px;"></span><span style="font-family: 'Trebuchet MS', sans-serif;"></span></div>
<div style="font-family: Arial, serif; font-size: 16px;">
<strong><span style="color: red;"><a href="http://www.blogger.com/" name="Sarawak" style="color: #be9113; text-decoration: none;"></a><span style="font-family: 'Trebuchet MS', sans-serif;">Sarawak</span></span></strong></div>
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<span style="font-family: 'Trebuchet MS', sans-serif;"><strong>Normah Specialist Medical Centre </strong><br />Lot 937, Sek 30, KTLD, Jalan Tun Abdul Rahman,<br />Petra Jaya, 93050 Kuching, Sarawak<br />Tel : 082-440055 Fax : 082-442600<br /><br /><strong>Rejang Medical Centre</strong><br />29, Jalan Pedada,<br />96008 Sibu, Sarawak 084-330733 084-327342<br />Sibu Specialist Medical Centre 52A-F, Brooke Drive,<br />96000 Sibu, Sarawak<br />Tel : 084-218800 Fax : 084-219900<br /><br /><strong>Timberland Medical Centre </strong><br />Lot 5164-5165, Blk 16, KCLD,<br />Taman Timberland, Rock Road,<br />93250 Kuching, Sarawak<br />Tel : 082-234466 Fax : 082-244273<br /><br /><strong>Columbia Medical Centre, Miri</strong><br />Lot 1035-1039, Jalan Bulan Sabit,<br />CDT 155, 98009 Miri , Sarawak.<br />Tel : 085-437755 Fax : 085-425677<br /><br /><strong>Kuching Specialist Hospital</strong><br />Lot 10420 Block 11,<br />Tabuan Stutong Commercial Center,<br />Jalan Setia Raja,<br />93350 Kuching, Sarawak.<br />Tel : 082-365777 082-364666</span></div>
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<span style="font-family: 'Trebuchet MS', sans-serif;"><strong>Sibu Specialist Medical Centre</strong><br />52A-F, Brooke Drive, 96000 Sibu, Sarawak<br />Tel : 084-218800</span></div>
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<strong><span style="color: red;"><a href="http://www.blogger.com/" name="Perak" style="color: #be9113; text-decoration: none;"></a><span style="font-family: 'Trebuchet MS', sans-serif;">Perak</span></span></strong></div>
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<span style="font-family: 'Trebuchet MS', sans-serif;"><strong>Pantai Putri, Ipoh </strong><br />126, Jalan Tambun,<br />31400 Ipoh, Perak<br />Tel : 05-5484333 Fax : 05-5458168<br /><br /><strong>Apollo Medical Centre </strong><br />271, Jalan Taming Sari,<br />34000 Taiping, Perak<br />Tel : 05-8056000 Fax : 05-8076000<br /><br /><strong>Fatimah Hospital</strong><br />1, Leboh Chew Peng Loon, Ipoh Gardens,<br />31400 Ipoh, Perak<br />Tel : 05-5455777 Fax : 05-5499237<br /><br /><strong>Ipoh Specialist Hospital</strong><br />26, Jalan Raja Dihilir,<br />30350 Ipoh, Perak<br />Tel : 05-241 8777 05-254 1888</span></div>
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<div style="font-family: Arial, serif; font-size: 16px;">
<strong><span style="color: red;"><a href="http://www.blogger.com/" name="Penang" style="color: #be9113; text-decoration: none;"></a><span style="font-family: 'Trebuchet MS', sans-serif;">Penang</span></span></strong></div>
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<span style="font-family: 'Trebuchet MS', sans-serif;"><strong>Bagan Specialist Centre</strong><br />Jalan Bagan 1, 13400 Butterworth<br />Tel : 04-3322800 Fax : 04-3312806<br /><br /><strong>Pantai Mutiara Hospital</strong><br />82, Jalan Tengah, Bayan Baru,<br />11900 Bayan Lepas, Penang.<br />Tel : 04-643 3888<br /><br /><strong>Gleneagles Medical Centre</strong><br />1, Jalan Pangkor, 10050 Pulau Pinang<br />Tel : 04-2276111 Fax : 04-2262994<br /><br /><strong>Penang Adventist Hospital</strong><br />465, Jalan Burmah, 10350 Pulau Pinang<br />Tel : 04-2227200 Fax 04-2278512<br /><br /><strong>Lam Wah Ee Hospital</strong><br />141, Jalan Tan Sri The Ewe Lim,<br />16000 Pulau Pinang<br />Tel : 04-6571888 Fax : 04-6570940<br /><br /><strong>Tanjung Medical Centre</strong><br />473, Jalan Burmah,<br />10350 Pulau Pinang<br />Tel : 04-2262323 Fax: 04-2299008</span></div>
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<span style="font-family: 'Trebuchet MS', sans-serif;"><strong>Hope Children Hospital</strong><br />25B, C & D , Jalan Gottlieb, 10350 Pulau Pinang,<br />Tel : 04-228<span class="ahx">4</span>6557</span></div>
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<span style="font-family: 'Trebuchet MS', sans-serif;"> </span><span style="font-family: 'Trebuchet MS', sans-serif;"><strong>Hope Children Hospital (Sg Ara )</strong><br />66 & 68, Jalan Dato Ismail Hashim, Sg Ara,<br />11900 Bayan Lepas, Pulau Pinang<br />Tel : 04-6447557 / 04-6441557 FAx : 04-6461559<br /><br /><strong>Hope Children Hospital (FARLIM)</strong><br />26,26A,28 & 28A, Lintang Paya Terubong 3,<br />11060 Pulau Pinang<br />Tel : 04-8297926/ 04-8266557 Fax : 04-8297982<br /><br /><strong>Loh Guan Lye Specialist Centre</strong><br />19, Logan Road, 10400 Pulau Pinang<br />Tel : 04-2388888 Fax : 04-2388983<br /><br /><strong>Island Hospital 308 Macalister Road,</strong><br />10450 Penang, Malaysia<br />Tel : 04-2288222 Fax : 04- 2267989</span></div>
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<span style="color: red;"><strong><a href="http://www.blogger.com/" name="Kedah" style="color: #be9113; text-decoration: none;"></a><span style="font-family: 'Trebuchet MS', sans-serif;">Kedah</span></strong></span></div>
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<span style="font-family: 'Trebuchet MS', sans-serif;"><strong>Metro Specialist Hospital</strong><br />No 1, Lorong Metro,<br />08000 Sungai Petani, Kedah<br />Tel : 04-4238888 FAx : 04-4258888<br /><br /><strong>Putra Medical Centre</strong><br />888, Jalan Sekerat, Off Jalan Putra,<br />05100 Alor Star, Kedah<br />Tel : 04-7342888 Fax : 04-7348882<br /><br /><strong>Kedah Medical Center Pumpong,</strong><br />05250 Alor Setar, Kedah<br />Tel : 04-7308878 Fax : 04-7332869<br /><br /><strong>Hospital Pantai Utara Sungai Petani ( formerly known as Strand Hospital )</strong><br />1, Persiaran Cempaka, Bandar Aman Jaya,<br />08000 Sungai Petani, Kedah<br />Tel : 04-4428888 Fax : 04-4428889 </span></div>
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</div>Jazimahhttp://www.blogger.com/profile/10905162934729122926noreply@blogger.com0tag:blogger.com,1999:blog-8442468303599868515.post-71637251945820193992011-12-18T23:32:00.000-08:002011-12-18T23:37:01.167-08:00Takaful Health 2 (New)<br />
<h3 class="post-title entry-title" style="font: normal normal normal 22px/normal 'Trebuchet MS', Trebuchet, Verdana, sans-serif; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0.75em; position: relative;">
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<div class="post-body entry-content" id="post-body-6454472466626274406" style="font-family: Verdana, Geneva, sans-serif; font-size: 13px; line-height: 1.4; position: relative; width: 626px;">
<div style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #333333; font-size: 12px; margin-bottom: 1.5em; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: left; vertical-align: baseline;">
<span style="background-color: white; font-family: Verdana, sans-serif;"><a href="http://prutakafulinfo.files.wordpress.com/2011/09/takaful_health2.jpg" style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: black; font-style: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; outline-color: initial; outline-style: none; outline-width: initial; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-decoration: none; vertical-align: baseline;"><img alt="" class="aligncenter size-full wp-image-782" height="345" src="http://prutakafulinfo.files.wordpress.com/2011/09/takaful_health2.jpg?w=750" style="-webkit-box-shadow: rgba(0, 0, 0, 0.0976563) 1px 1px 5px; background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; border-bottom-width: 0px; border-color: initial; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; border-width: initial; box-shadow: rgba(0, 0, 0, 0.0976563) 1px 1px 5px; display: block; font-style: inherit; margin-bottom: 14px; margin-left: auto; margin-right: auto; margin-top: 14px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; position: relative; vertical-align: baseline;" title="takaful_health2" width="400" /></a><strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">KAMI BERIKAN GANJARAN <em style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-weight: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">DAN </em>LEBIH MANFAAT UNTUK PENJAGAAN KESIHATAN ANDA</strong></span></div>
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<em style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span style="background-color: white; font-family: Verdana, sans-serif;">Takaful Health2 adalah semua yang anda perlukan.</span></strong></em></div>
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<strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span style="background-color: white; font-family: Verdana, sans-serif;">Apakah Takaful Health2 ?</span></strong></div>
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<span style="background-color: white; font-family: Verdana, sans-serif;"><strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">Takaful Health2</strong> adalah satu pelan rider <strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"></strong>perubatan melalui sumbangan berkala yang membayar balik perbelanjaan perubatan utama sekiranya anda dimasukkan ke hospital, melakukan pembedahan atau menerima rawatan pesakit luar. Pelan ini juga menberi ganjaran<strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">Bonus bagi Tiada Tuntutan (NCB) </strong>jika tiada sebarang tuntutan dibuat bagi tahun tersebut. Anda boleh pilih sama ada Ko-Takaful atau deduktibel RM3000 atau RM10,000.<strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"></strong></span></div>
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<strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span style="background-color: white; font-family: Verdana, sans-serif;">Siapakah yang layak menyertai pelan Takaful Health2?</span></strong></div>
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<span style="background-color: white; font-family: Verdana, sans-serif;">Pelan ini dibuka kepada individu yang berumur 1 ke 70 tahun yang menyertai mana-mana pelan <a href="http://jazimah-perundingtakafulanda.blogspot.com/2011/12/prubsn-link-series-new.html" style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #3a6999; font-style: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; outline-color: initial; outline-style: none; outline-width: initial; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-decoration: none; vertical-align: baseline;" target="_blank" title="prubsn link series"><strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><em style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-weight: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">PruBSN Link Series</em></strong></a>.</span></div>
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<strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span style="background-color: white; font-family: Verdana, sans-serif;">Pelan perubatan untuk anda – Nilai lebih TINGGI dan lebih BAIK.</span></strong></div>
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<strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><em style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-weight: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span style="background-color: white; font-family: Verdana, sans-serif;">Terus nikmati BONUS bagi TIADA TUNTUTAN.</span></em></strong></div>
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<span style="background-color: white; font-family: Verdana, sans-serif;">Kami memberi anda <strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">BONUS TAHUNAN</strong> sehingga <strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">RM500</strong> sekiranya anda tidak membuat sebarang tuntutan bagi tahun tersebut. Kekalkan kesihatan dan anda akan mendapat ganjarannya.</span></div>
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<strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><em style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-weight: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span style="background-color: white; font-family: Verdana, sans-serif;">Perlindungan KOMPREHENSIF untuk bil hospital dan pembedahan.</span></em></strong></div>
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<span style="background-color: white; font-family: Verdana, sans-serif;"><strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">Takaful Health2 </strong>memberikan anda ketenangan minda sepenuhnya. Ianya menyediakan <strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">perlindungan perubatan komprehensif</strong>sekiranya anda dimasukkan ke hospital, memerlukan pembedahan atau mendapat rawatan pesakit luar.</span></div>
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<strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><em style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-weight: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span style="background-color: white; font-family: Verdana, sans-serif;">Manfaat Bilik dan Penginapan yang bernilai lebih TINGGI.</span></em></strong></div>
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<span style="background-color: white; font-family: Verdana, sans-serif;">Nikmati <strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">manfaat bilik dan penginapan yang bernilai lebih tinggi </strong>dengan <strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">Takaful Health2. </strong>Kini, manfaat kami bermula dari RM150 harian untuk Had Tahunan Keseluruhan bernilai RM50,000.</span></div>
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<strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><em style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-weight: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span style="background-color: white; font-family: Verdana, sans-serif;">Pilihan KO-TAKAFUL atau DEDUKTIBEL</span></em></strong></div>
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<span style="background-color: white; font-family: Verdana, sans-serif;">Selain ko-takaful, <strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">Takaful Health2</strong> kini ada <strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">dua pilihan tambahan deduktibel</strong>. Pilih antara deduktibel bernilai RM3,000 atau RM10,000, yang mana memenuhi keperluan pelan perubatan anda. Sertakan bersama <strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">TH Retirement</strong> dan secara automatik ianya akan menukarkan amaun deduktibel kepada ko-takaful apabila anda mencapai usia 55 tahun. Bukan sahaja pilihan ini menjadikan pelan anda jadi lebih berpatutan, ianya juga memberi anda perlindungan tambahan di waktu anda paling memerlukannya – semasa zaman persaraan anda.</span></div>
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<em style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span style="background-color: white; font-family: Verdana, sans-serif;">Perlindungan TAMBAHAN sehingga UMUR 100</span></strong></em></div>
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<span style="background-color: white; font-family: Verdana, sans-serif;">Pelan perubatan Takaful yang komprehensif ini memberi perlindungan sehingga anda mencapai usia 25, 70, 80 atau 100.</span></div>
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<strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span style="background-color: white; font-family: Verdana, sans-serif;">Kami beri LEBIH lagi</span></strong></div>
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<strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><em style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-weight: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span style="background-color: white; font-family: Verdana, sans-serif;">Rawatan LUAR NEGARA</span></em></strong></div>
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<span style="background-color: white; font-family: Verdana, sans-serif;">Dengan <strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">TH Overseas</strong>, anda mempunyai pilihan untuk mendapatkan rawatan perubatan bagi <strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">lima</strong> jenis kondisi yang dilindungi di<strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">Singapura, Hong Kong, China</strong> dan <strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">India<em style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-weight: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"></em></strong>.</span></div>
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<em style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span style="background-color: white; font-family: Verdana, sans-serif;">Pilihan untuk MENGETEPIKAN had tahunan UNTUK KESEMUA PELAN</span></strong></em></div>
<div style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #333333; font-size: 12px; margin-bottom: 1.5em; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: left; vertical-align: baseline;">
<span style="background-color: white; font-family: Verdana, sans-serif;"><strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">TH Annual Limit Waiver</strong> kini <strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">dibuka kepada semua</strong> pelan <strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">Takaful Health2</strong>. Dengan mengambil pilihan ini, anda tidak perlu bimbang jika bil perubatan tahunan anda melebihi had tuntutan tahunan anda.</span></div>
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<strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span style="background-color: white; font-family: Verdana, sans-serif;"><em style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-weight: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"></em><em style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-weight: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">NAIK TARAF AUTOMATIK ke pelan bernilai lebih tinggi</em></span></strong></div>
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<span style="background-color: white; font-family: Verdana, sans-serif;">Kami akan <strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">menaik taraf secara automatik</strong> pelan <strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">Takaful Health2</strong> anda dua kali ganda <strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">tidak mengambil kira keadaan kesihatan anda</strong>dan <strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">sebarang tuntutan perubatan sebelumnya</strong> yang telah dibuat jika sertakan <strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">TH Auto Upgrade</strong>. Naik taraf ini akan mengikut terma dan syarat pada permulaan atau apabila ianya disertakan bersama pelan <strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">Takaful Health2</strong> anda.<strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><em style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-weight: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"></em></strong></span></div>
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<strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span style="background-color: white; font-family: Verdana, sans-serif;">LEBIH pilihan dan lebih BERPATUTAN.</span></strong></div>
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<span style="background-color: white; font-family: Verdana, sans-serif;">Pilih dari lima pelan <strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">Takaful Health2</strong> mengikut keperluan dan bajet anda. Dari <strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">serendah Rm100</strong> sebulan, anda pasti dilindungi secukupnya.</span></div>
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<span style="background-color: white; font-family: Verdana, sans-serif;"><a href="http://prutakafulinfo.files.wordpress.com/2011/09/1page18.jpg" style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #3a6999; font-style: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; outline-color: initial; outline-style: none; outline-width: initial; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-decoration: none; vertical-align: baseline;"><img alt="" class="aligncenter size-full wp-image-801" height="640" src="http://prutakafulinfo.files.wordpress.com/2011/09/1page18.jpg?w=750" style="-webkit-box-shadow: rgba(0, 0, 0, 0.0976563) 1px 1px 5px; background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; border-bottom-width: 0px; border-color: initial; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; border-width: initial; box-shadow: rgba(0, 0, 0, 0.0976563) 1px 1px 5px; display: block; font-style: inherit; margin-bottom: 14px; margin-left: auto; margin-right: auto; margin-top: 14px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; position: relative; vertical-align: baseline;" title="table takaful health2" width="414" /></a>Nota:</span></div>
<ul style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #333333; font-size: 12px; margin-bottom: 1.5em; margin-left: 1.5em; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: left; vertical-align: baseline;">
<li style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><em style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span style="background-color: white; font-family: Verdana, sans-serif;">Ko-takaful adalah persetujuan perkongsian kos di mana pemegang sijil akan membayar jumlah peratusan yang ditetapkan bagi satu kelayakan manfaat. Jika ko-takaful dipilih, pemegang sijil perlu membayar 10% daripada kos kelayakan manfaat, tertakluk kepada ko-takaful minimum sebanyak RM300 dan ko-takaful maksimum sebanyak RM1,000 untuk Manfaat Hospital dan Pembedahan, dan ko-takaful maksimum sebanyak RM2,000 untuk Manfaat Rawatan Pesakit Luar. Baki kos akan dibayar oleh PruBSn sehinggan Had Tahunan Keseluruhan.</span></em></li>
<li style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><em style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span style="background-color: white; font-family: Verdana, sans-serif;">Deduktibel ialah amaun tetap yang perlu dibayar dahulu oleh pemegang sijil tidak kira jumlah kos manfaat kelayakan (kecuali kos bilik & penginapan harian) untuk sebarang hilang upaya dalam tempoh 90 hari. Jika deduktibel sebanyak RM3,000 atau RM10,000 dipilih, pemegang sijil perlu membayar RM3,000 atau RM10,000 pertama daripada jumlah kos manfaat kelayakan (kecuali kos bilik & penginapan harian). Baki kos akan dibayar oleh PruBSN sehingga Had Tahunan Keseluruhan.</span></em></li>
</ul>
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<span style="background-color: white; font-family: Verdana, sans-serif;">Jumlah manfaat yang dibayar untuk setahun adalah tertakluk kepada Had Tahunan Keseluruhan. Jumlah manfaat yang dibayar sepanjang hayat adalah tertakluk kepada Had Seumur Hidup. Untuk kemasukan ke hospital akibat kemalangan, perlindungan bermula serta merta sebaik sahaja pelan anda diterima, manakala tempoh menunggu adalah selama 30 hari bagi akibat-akibat lain. Bagaimanapun, untuk penyakit-penyakit tertentu, tempoh menunggu selama 120 hari dikenakan.</span></div>
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<span style="background-color: white; font-family: Verdana, sans-serif;">Dengan penyertaan <strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">Takaful Health2</strong>, anda akan menerima kad perubatan <strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">Takaful Health2</strong>. Ianya memberikan akses kepada Bantuan Perubatan Kecemasan iaitu talian hotline 24-jam (dikendalikan oleh International SOS) yang boleh dipanggil dari mana-mana tempat di seluruh dunia pada bila-bila masa pada panggilan caj balik.</span></div>
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<span style="background-color: white; font-family: Verdana, sans-serif;">Kad <strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">Takaful Health2</strong> boleh digunakan 90 hari selepas pelan anda diterima oleh PruBSN. Anda hanya perlu mengemukakan kad tersebut semasa dimasukkan ke mana-mana hospital dalam <a href="http://jazimah-perundingtakafulanda.blogspot.com/2011/12/panel-hospital-prubsn-takaful.html" style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #3a6999; font-style: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; outline-color: initial; outline-style: none; outline-width: initial; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-decoration: none; vertical-align: baseline;" target="_blank" title="hospital panel pbtb">rangkaian hospital</a> kami.</span></div>
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<strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span style="background-color: white; font-family: Verdana, sans-serif;">Berapakah sumbangan yang perlu saya bayar?</span></strong></div>
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<span style="background-color: white; font-family: Verdana, sans-serif;">Sumbangan yang anda perlu bayar untuk pelan <strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">Takaful Health2</strong> ditetapkan berdasarkan umur, kelas pekerjaan dan jenis pelan tertakluk kepada pengunderaitan. Sumbangan perlu dibayar sepanjang tempoh pelan.</span></div>
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<a href="http://jazimah-perundingtakafulanda.blogspot.com/2011/12/dapatkan-quotation-anda-di-sini-secara.html"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhhxCfhmOP0tKzB_QpsnnjxxWrfqOBO2GkJZXk3bQY0viIcVKNHypqrjbw9UZqJMDyymKvURX1gxIn0ll17-Jagzq0WvFCG1-d9MOsqu_SuWgvRJqeEBzEmYADCAj0E2FL4N2HcRvOLVYg/s1600/buatkan+saya+quotation+2.jpg" style="-webkit-box-shadow: rgba(0, 0, 0, 0.0976563) 1px 1px 5px; background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; border-bottom-color: rgb(238, 238, 238); border-bottom-style: solid; border-bottom-width: 1px; border-color: initial; border-image: initial; border-left-color: rgb(238, 238, 238); border-left-style: solid; border-left-width: 1px; border-right-color: rgb(238, 238, 238); border-right-style: solid; border-right-width: 1px; border-top-color: rgb(238, 238, 238); border-top-style: solid; border-top-width: 1px; border-width: initial; box-shadow: rgba(0, 0, 0, 0.0976563) 1px 1px 5px; padding-bottom: 5px; padding-left: 5px; padding-right: 5px; padding-top: 5px; position: relative;" /></a></div>
</div>Jazimahhttp://www.blogger.com/profile/10905162934729122926noreply@blogger.com0tag:blogger.com,1999:blog-8442468303599868515.post-69739002534108971592011-12-18T23:11:00.000-08:002011-12-18T23:11:32.454-08:00PruBSN Link Series (New)<br />
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<a href="http://prutakafulinfo.files.wordpress.com/2011/09/2prubsn-link-series.jpg" style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: black; font-style: inherit; margin-left: 1em; margin-right: 1em; margin-top: 0px; outline-color: initial; outline-style: none; outline-width: initial; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-decoration: none; vertical-align: baseline;"><span style="background-color: white; font-family: Verdana, sans-serif;"><img alt="" class="aligncenter size-full wp-image-695" height="232" src="http://prutakafulinfo.files.wordpress.com/2011/09/2prubsn-link-series.jpg?w=750" style="-webkit-box-shadow: rgba(0, 0, 0, 0.0976563) 1px 1px 5px; background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; border-bottom-width: 0px; border-color: initial; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; border-width: initial; box-shadow: rgba(0, 0, 0, 0.0976563) 1px 1px 5px; display: block; font-style: inherit; margin-bottom: 14px; margin-left: auto; margin-right: auto; margin-top: 14px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; position: relative; vertical-align: baseline;" title="prubsn link series" width="400" /></span></a></div>
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<strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><em style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-weight: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span style="background-color: white; font-family: Verdana, sans-serif;">Fleksibiliti sepenuhnya di tangan anda – Dapatkan tawaran perlindungan & perlaburan terbaik.</span></em></strong></div>
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<span style="background-color: white; font-family: Verdana, sans-serif;"><strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><em style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-weight: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"></em></strong>Sama ada anda akan memperoleh ijazah anda, memulakan keluarga atau merancang persaraan, anda perlu miliki sebuah pelan kewangan yang kukuh bagi menyokong matlamat anda serta menyediakan anda untuk sebarang ketidakpastian dalam kehidupan. Dengan PruBSN Link Series , anda boleh membina pelan keseluruhan hidup anda yang dapat menampung keperluan & keutamaan anda yang berubah, supaya anda & yang tersayang dapat meneruskan kehidupan dengan selesa, walaupun apa saja kemungkinan berlaku.</span></div>
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<strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><em style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-weight: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span style="background-color: white; font-family: Verdana, sans-serif;">Apa Yang Terbaru dari PruBSN Link Series?</span></em></strong></div>
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<a href="http://prutakafulinfo.files.wordpress.com/2011/09/2whats-new.jpg" style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #3a6999; font-style: inherit; margin-left: 1em; margin-right: 1em; margin-top: 0px; outline-color: initial; outline-style: none; outline-width: initial; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-decoration: none; vertical-align: baseline;"><span style="background-color: white; font-family: Verdana, sans-serif;"><img alt="" class="aligncenter size-full wp-image-696" height="220" src="http://prutakafulinfo.files.wordpress.com/2011/09/2whats-new.jpg?w=750" style="-webkit-box-shadow: rgba(0, 0, 0, 0.0976563) 1px 1px 5px; background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; border-bottom-width: 0px; border-color: initial; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; border-width: initial; box-shadow: rgba(0, 0, 0, 0.0976563) 1px 1px 5px; display: block; font-style: inherit; margin-bottom: 14px; margin-left: auto; margin-right: auto; margin-top: 14px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; position: relative; vertical-align: baseline;" title="whats new" width="400" /></span></a></div>
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<strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span style="background-color: white; font-family: Verdana, sans-serif;"><em style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-weight: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"></em><em style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-weight: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">Kenapa PruBSN Link Series sebuah Pelan Perlindungan yang amat UNIK</em></span></strong></div>
<ul style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #333333; font-size: 12px; margin-bottom: 1.5em; margin-left: 1.5em; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: left; vertical-align: baseline;">
<li style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span style="background-color: white; font-family: Verdana, sans-serif;">Komprehensif <strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">‘Investment Link’</strong> pelan dengan <strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">30 Riders (Manfaat).</strong></span></li>
<li style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span style="background-color: white; font-family: Verdana, sans-serif;">Pelan Takaful yang <strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">Pertama</strong> untuk <strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">Remaja</strong> atau <strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">Belia</strong> – <a href="http://wp.me/P1mNKY-bu" style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: black; font-style: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; outline-color: initial; outline-style: none; outline-width: initial; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-decoration: none; vertical-align: baseline;" target="_blank" title="firstlink"><em style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">PruBSN FirstLink</strong></em></a></span></li>
<li style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span style="background-color: white; font-family: Verdana, sans-serif;"><strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">Bonus </strong>- Bonus Loyalti, Bonus EduSmart, Bonus AchiveFirst, Bonus bagi Tiada Tuntutan (NCB)</span></li>
<li style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span style="background-color: white; font-family: Verdana, sans-serif;">Perlindungan <strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">Perubatan </strong>Komprehensif</span></li>
<li style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span style="background-color: white; font-family: Verdana, sans-serif;"><strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">Fleksibiliti </strong>dengan pilihan pada umur tamat tempoh (expiry age)</span></li>
<li style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span style="background-color: white; font-family: Verdana, sans-serif;">Had perlindungan yang <strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">lebih tinggi</strong>.</span></li>
</ul>
<div style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #333333; font-size: 12px; margin-bottom: 1.5em; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify; vertical-align: baseline;">
<strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><em style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-weight: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span style="background-color: white; font-family: Verdana, sans-serif;">Pelan apakah yang sesuai untuk anda?</span></em></strong></div>
<div style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #333333; font-size: 12px; margin-bottom: 1.5em; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">
<a href="http://prutakafulinfo.files.wordpress.com/2011/09/step2step2.jpg" style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #3a6999; font-style: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; outline-color: initial; outline-style: none; outline-width: initial; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-decoration: none; vertical-align: baseline;"><span style="background-color: white; font-family: Verdana, sans-serif;"><img alt="" class="aligncenter size-full wp-image-702" height="306" src="http://prutakafulinfo.files.wordpress.com/2011/09/step2step2.jpg?w=750" style="-webkit-box-shadow: rgba(0, 0, 0, 0.0976563) 1px 1px 5px; background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; border-bottom-width: 0px; border-color: initial; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; border-width: initial; box-shadow: rgba(0, 0, 0, 0.0976563) 1px 1px 5px; display: block; font-style: inherit; margin-bottom: 14px; margin-left: auto; margin-right: auto; margin-top: 14px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; position: relative; vertical-align: baseline;" title="step2step" width="640" /></span></a></div>
<ul style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #333333; font-size: 12px; margin-bottom: 1.5em; margin-left: 1.5em; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: left; vertical-align: baseline;">
<li style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><a href="http://wp.me/P1mNKY-bu" style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: black; font-style: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; outline-color: initial; outline-style: none; outline-width: initial; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-decoration: none; vertical-align: baseline;" target="_blank" title="firstlink"><strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span style="background-color: white; font-family: Verdana, sans-serif;">PruBSN FirstLink</span></strong></a></li>
</ul>
<ul style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #333333; font-size: 12px; margin-bottom: 1.5em; margin-left: 1.5em; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: left; vertical-align: baseline;">
<li style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><a href="http://wp.me/P1mNKY-bx" style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: black; font-style: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; outline-color: initial; outline-style: none; outline-width: initial; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-decoration: none; vertical-align: baseline;" target="_blank" title="smartlink"><strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span style="background-color: white; font-family: Verdana, sans-serif;">PruBSN SmartLink</span></strong></a></li>
</ul>
<ul style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #333333; font-size: 12px; margin-bottom: 1.5em; margin-left: 1.5em; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: left; vertical-align: baseline;">
<li style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><a href="http://wp.me/P1mNKY-bz" style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: black; font-style: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; outline-color: initial; outline-style: none; outline-width: initial; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-decoration: none; vertical-align: baseline;" target="_blank" title="Takafulink2"><strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span style="background-color: white; font-family: Verdana, sans-serif;">PruBSN TakafulLink</span></strong></a></li>
</ul>
<div style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #333333; font-size: 12px; margin-bottom: 1.5em; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify; vertical-align: baseline;">
<strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><em style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-weight: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span style="background-color: white; font-family: Verdana, sans-serif;">Apakah manfaat lazim PruBSN Link Series?</span></em></strong></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="http://prutakafulinfo.files.wordpress.com/2011/09/table1.jpg" style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #3a6999; font-style: inherit; margin-left: 1em; margin-right: 1em; margin-top: 0px; outline-color: initial; outline-style: none; outline-width: initial; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-decoration: none; vertical-align: baseline;"><span style="background-color: white; font-family: Verdana, sans-serif;"><img alt="" class="aligncenter size-full wp-image-706" height="290" src="http://prutakafulinfo.files.wordpress.com/2011/09/table1.jpg?w=750" style="-webkit-box-shadow: rgba(0, 0, 0, 0.0976563) 1px 1px 5px; background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; border-bottom-width: 0px; border-color: initial; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; border-width: initial; box-shadow: rgba(0, 0, 0, 0.0976563) 1px 1px 5px; display: block; font-style: inherit; margin-bottom: 14px; margin-left: auto; margin-right: auto; margin-top: 14px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; position: relative; vertical-align: baseline;" title="table1" width="400" /></span></a></div>
<div style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #333333; font-size: 12px; margin-bottom: 1.5em; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: left; vertical-align: baseline;">
<span style="background-color: white; font-family: Verdana, sans-serif;"><strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><em style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-weight: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"></em></strong><strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><em style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-weight: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">Berapakah bayaran sumbangan saya untuk pelan ini?</em></strong></span></div>
<div style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #333333; font-size: 12px; margin-bottom: 1.5em; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: left; vertical-align: baseline;">
<span style="background-color: white; font-family: Verdana, sans-serif;">Sumbangan perlindungan bulanan minimum untuk <strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><a href="http://wp.me/P1mNKY-bx" style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #3a6999; font-style: inherit; font-weight: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; outline-color: initial; outline-style: none; outline-width: initial; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-decoration: none; vertical-align: baseline;" target="_blank" title="smartlink">PruBSN SmartLink</a> </strong>ialah RM50 manakala untuk <strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><a href="http://wp.me/P1mNKY-bu" style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #3a6999; font-style: inherit; font-weight: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; outline-color: initial; outline-style: none; outline-width: initial; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-decoration: none; vertical-align: baseline;" target="_blank" title="firstlink">PruBSN FirstLink</a> </strong>dan <strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><a href="http://wp.me/P1mNKY-bz" style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #3a6999; font-style: inherit; font-weight: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; outline-color: initial; outline-style: none; outline-width: initial; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-decoration: none; vertical-align: baseline;" target="_blank" title="Takafulink2">PruBSN TakafulLink</a> </strong>ialah RM100. Walau bagaimanapun, amaun sumbangan sebenar anda akan bergantung kepada yang berikut:</span></div>
<ol style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #333333; font-size: 12px; margin-bottom: 1.5em; margin-left: 1.5em; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: left; vertical-align: baseline;">
<li style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span style="background-color: white; font-family: Verdana, sans-serif;">Umur anda</span></li>
<li style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span style="background-color: white; font-family: Verdana, sans-serif;">Amaun perlindungan anda</span></li>
<li style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span style="background-color: white; font-family: Verdana, sans-serif;">Umur kematangan yang anda pilih</span></li>
<li style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span style="background-color: white; font-family: Verdana, sans-serif;">Status kesihatan anda</span></li>
<li style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span style="background-color: white; font-family: Verdana, sans-serif;">Jantina anda</span></li>
<li style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span style="background-color: white; font-family: Verdana, sans-serif;">Perkerjaan anda (jika berkenaan)</span></li>
</ol>
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<span style="background-color: white; font-family: Verdana, sans-serif;">Contoh Jadual Sumbangan</span></div>
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<a href="http://perancangkewangananda.blogspot.com/search?updated-max=2011-12-19T00:40:00%2B08:00&max-results=1" style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #3a6999; font-style: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; outline-color: initial; outline-style: none; outline-width: initial; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-decoration: none; vertical-align: baseline;"><span style="background-color: white; font-family: Verdana, sans-serif;"><img alt="" class="aligncenter size-full wp-image-707" height="170" src="http://prutakafulinfo.files.wordpress.com/2011/09/table2.jpg?w=750" style="-webkit-box-shadow: rgba(0, 0, 0, 0.0976563) 1px 1px 5px; background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; border-bottom-width: 0px; border-color: initial; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; border-width: initial; box-shadow: rgba(0, 0, 0, 0.0976563) 1px 1px 5px; display: block; font-style: inherit; margin-bottom: 14px; margin-left: auto; margin-right: auto; margin-top: 14px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; position: relative; vertical-align: baseline;" title="table2" width="400" /></span></a></div>
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<strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span style="background-color: white; font-family: Verdana, sans-serif;"><em style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-weight: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">Bagaimanakah harus saya melaburkan dana</em> <em style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-weight: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">saya?</em></span></strong></div>
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<span style="background-color: white; font-family: Verdana, sans-serif;">Kami memberikan<strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><em style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-weight: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"></em></strong> anda kebebasan untuk meguruskan dana pelaburan <a href="http://prutakafulinfo.files.wordpress.com/2011/09/table3.jpg" style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; color: #3a6999; font-style: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; outline-color: initial; outline-style: none; outline-width: initial; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-decoration: none; vertical-align: baseline;"><img alt="" class="alignright size-medium wp-image-708" height="160" src="http://prutakafulinfo.files.wordpress.com/2011/09/table3.jpg?w=240&h=160" style="-webkit-box-shadow: rgba(0, 0, 0, 0.0976563) 1px 1px 5px; background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; border-bottom-width: 0px; border-color: initial; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; border-width: initial; box-shadow: rgba(0, 0, 0, 0.0976563) 1px 1px 5px; float: right; font-style: inherit; margin-bottom: 10px; margin-left: 14px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; position: relative; vertical-align: baseline;" title="table3" width="240" /></a>anda mengikut toleransi risiko anda. Anda boleh melabur secara berkala melalui <strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">Takaful Saver</strong> atau melakukan <strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">Penambahan Sumbangan Tunggal </strong>pada bila-bila masa anda ingin berbuat demikian. Pelaburan anda akan disalurkan ke dalam 4 dana pelaburan di bawah bergantung pada selera risiko anda.</span></div>
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<span style="background-color: white; font-family: Verdana, sans-serif;">Semua dana Takafulink dilaburkan dalam saham dan sekuriti yang diluluskan Syariah.</span></div>
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<span style="background-color: white; font-family: Verdana, sans-serif;"><strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"></strong><strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;">Bagaimanakah PruBSN Link Series berfungsi?</strong></span></div>
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<span style="background-color: white; font-family: Verdana, sans-serif;">PruBSN Link Series adalah berdasarkan model Wakalh Bil Ajr di mana anda menempatkan sumbangan anda ke dalam akaun anda selepas kami mengambil sebahagian daripadanya sebagai caj Wakalah. Ini adalah yuran untuk perkhidmatan yang kamu sediakan. Perlindungan takaful adalah daripada potongan Tabarru’ anda yang kami tempatkan dalam Dana Tabarru’</span></div>
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<strong style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; font-weight: bold; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span style="background-color: white; font-family: Verdana, sans-serif;">Nota Penting</span></strong></div>
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<li style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span style="background-color: white; font-family: Verdana, sans-serif;">Risalah ini bukan merupakan satu kontrak di antara anda dan PruBSN Takaful Berhad. Sila rujuk kepada dokumen sijil untuk maklumat terperinci.</span></li>
<li style="border-bottom-width: 0px; border-color: initial; border-image: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-style: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline;"><span style="font-family: Verdana, sans-serif;"><span style="background-color: white;">Risalah ini diterbitkan hanya untuk maklumat dan tidak berkaitan dengan matlamat-matlamat kewangan, situasi dan keperluan mana-mana individu tertentu.</span></span></li>
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</div>Jazimahhttp://www.blogger.com/profile/10905162934729122926noreply@blogger.com0tag:blogger.com,1999:blog-8442468303599868515.post-38148389225618652492011-12-16T02:47:00.000-08:002011-12-16T02:48:18.903-08:00Pengenalan Kewangan Islam di Malaysia<h1 class="title" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 30px; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; font: normal normal normal 30px/1em MyriadProCondensed, Tahoma, Geneva, Verdana, sans-serif; color: rgb(142, 44, 44); text-align: -webkit-auto; "><br /></h1><div id="content-area" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 15px; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; color: rgb(68, 68, 68); font-family: sans-serif; line-height: 22px; text-align: -webkit-auto; "><div id="node-70" class="node node-type-page clearfix" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; zoom: 1; "><div class="content" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><p class="pitch" style="margin-top: 0px; margin-right: 0px; margin-bottom: 1em; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 1.6em; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; color: rgb(149, 149, 149); line-height: 1.2em; background-position: initial initial; background-repeat: initial initial; ">Industri Perbankan Islam</p><p style="margin-top: 0px; margin-right: 0px; margin-bottom: 1em; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "></p><p style="margin-top: 0px; margin-right: 0px; margin-bottom: 1em; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; ">Perbankan Islam merujuk kepada sistem perbankan yang berlandaskan undang-undang Islam atau juga dikenali sebagai undang-undang Syariah. Prinsip-prinsip asas yang menguasai perbankan Islam ialah saling berkongsi risiko dan keuntungan antara kedua-dua pihak, jaminan keadilan untuk semua dan urus niaga yang dijalankan itu adalah berdasarkan aktiviti perniagaan atau aset asas.</p><p style="margin-top: 0px; margin-right: 0px; margin-bottom: 1em; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; ">Prinsip-prinsip ini disokong oleh nilai-nilai teras perbankan Islam yang menggalakkan aktiviti yang memupuk keusahawanan, menjana perniagaan dan perdagangan serta menghasilkan pembangunan kemasyarakatan atau manfaat. Aktiviti yang melibatkan faedah (riba), perjudian (maisir) dan urus niaga spekulatif (gharar) adalah dilarang.</p><p style="margin-top: 0px; margin-right: 0px; margin-bottom: 1em; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; ">Dengan memanfaatkan pelbagai konsep kewangan Islam seperti ijarah (sewa beli), mudharabah (perkongsian keuntungan) dan musyarakah (perkongsian),institusi perbankan mempunyai fleksibiliti, kreativiti dan pilihan yang lebih banyak dalam menghasilkan produk-produk kewangan Islam. Selain itu, dengan menekankan bahawa keperluan terhadap urus niaga harus disokong oleh aktiviti berkaitan perdagangan atau perniagaan, perbankan Islam menetapkan standard yang lebih tinggi bagi pelaburan dan menggalakkan kebertanggungjawaban dan pengurangan risiko yang lebih besar.</p><p style="margin-top: 0px; margin-right: 0px; margin-bottom: 1em; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; ">Kewangan Islam telah berkembang dengan begitu pesat sejak ia mula dilaksanakan pada tahun 1970-an. Aset perbankan Islam global dan aset di bawah pengurusan kewangan Islam pada masa ini telah mencapai USD750 bilion dan dijangka mencecah USD1 trilion pada 2010.<small style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 11px; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "><sup style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; ">1</sup></small></p><p style="margin-top: 0px; margin-right: 0px; margin-bottom: 1em; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; ">Kini, terdapat lebih daripada 300 institusi kewangan Islam di 75 buah negara di seluruh dunia. Menurut Asian Banker Research Group, 100 bank Islam terbesar di dunia telah mencatat kadar pertumbuhan aset tahunan sebanyak 26.7%<small style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 11px; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "><sup style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; ">2</sup></small> dan industri kewangan Islam global mencatat pertumbuhan purata 15-20% setiap tahun.<small style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 11px; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "><sup style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; ">3</sup></small></p><p style="margin-top: 0px; margin-right: 0px; margin-bottom: 1em; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; ">Industri kewangan Islam di Malaysia telah beroperasi lebih daripada 30 tahun yang lalu. Penggubalan Akta Bank Islam 1983 telah membolehkan Bank Islam yang pertama ditubuhkan dan seterusnya lebih banyak institusi kewangan Islam telah ditubuhkan di dalam negara berikutan liberalisasi sistem kewangan Islam.</p><p style="margin-top: 0px; margin-right: 0px; margin-bottom: 1em; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; ">Kejayaan Malaysia membangunkan industri kewangan Islam domestik dalam tempoh lebih daripada 30 tahun telah memberikan asas yang kukuh kepada negara - asas kukuh kestabilan kewangan yang melengkapkan kekayaan, kepelbagaian dan kematangan sistem kewangan Islam. Pada masa ini, aset perbankan Islam Malaysia mencapai USD65.6 bilion dengan kadar pertumbuhan purata 18-20% setiap tahun.<small style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 11px; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "><sup style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; ">4</sup></small></p><p style="margin-top: 0px; margin-right: 0px; margin-bottom: 1em; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; ">Pada masa ini, kewangan Islam berkembang pesat di Malaysia, disokong oleh persekitaran yang kondusif yang terkenal dengan inovasi produk berterusan, yang berbagai rangkaian instrumen pelaburan Islam, infrastruktur kewangan yang komprehensif dan menerima pakai amalan terbaik pengawalseliaan dan undang- undang global. Malaysia juga memberikan penekanan yang penting kepada pembangunan modal insan dalam pembangunan industri kewangan Islam bagi memastikan ketersediaan tenaga kerja mahir dalam kewangan Islam. Semua tawaran nilai ini telah mentransformasikan Malaysia menjadi salah satu pasaran perbankan Islam yang paling maju di dunia. kepelbagaian institusi kewangan</p><p style="margin-top: 0px; margin-right: 0px; margin-bottom: 1em; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; ">Liberalisasi yang pesat dalam industri kewangan Islam, di samping persekitaran yang memudahkan urusan perniagaan telah mendorong institusi kewangan asing memilih Malaysia untuk menjalankan perniagaan perbankan Islam. Ini telah dapat memupuk komuniti institusi kewangan tempatan dan antarabangsa yang pelbagai dan semakin besar.</p><p style="margin-top: 0px; margin-right: 0px; margin-bottom: 1em; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; ">Kini, Malaysia mempunyai sebilangan besar bank Islam sepenuhnya termasuk beberapa entiti milik asing; institusi konvensional yang telah menubuhkan subsidiari Islam dan juga entiti yang menjalankan perniagaan mata wang asing. Semua institusi kewangan diberi kebenaran untuk menjalankan perniagaan dalam ringgit dan bukan ringgit.</p><p style="margin-top: 0px; margin-right: 0px; margin-bottom: 1em; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; ">Malaysia terus berkembang maju dan akan membangunkan industri ini dengan menggalakkan institusi kewangan asing untuk menubuhkan perniagaan perbankan Islam antarabangsa di Malaysia bagi menjalankan perniagaan mata wang asing.</p><p style="margin-top: 0px; margin-right: 0px; margin-bottom: 1em; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; ">Institusi kewangan Islam domestik juga boleh memohon untuk menubuhkan Unit Perniagaan Mata Wang Asing (UPMA), iaitu bahagian khusus untuk menjalankan perniagaan mata wang asing. UPMA juga diberikan pelbagai insentif cukai dan keistimewaan yang dapat mengurangkan kos perniagaan dan memudahkan untuk memasuki pasaran perniagaan kewangan Islam dalam mata wang asing. Untuk maklumat lanjut mengenai prosedur penubuhan dan permohonan UPMA, sila hubungi Sekretariat <a href="http://www.mifc.com/" target="_blank" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; text-decoration: none; color: rgb(9, 98, 148); ">MIFC</a>.</p><small style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 11px; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "><ol style="margin-top: 0px; margin-right: 0px; margin-bottom: 1em; margin-left: 1.8em; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><li style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; ">Mckinsey, The World Islamic Banking Competitiveness Report 2007-08, "Capturing The Trillion Dollar Opportunity"</li><li style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; ">Ibid</li><li style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; ">Ibid</li><li style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; ">Bank Negara Malaysia: Statistik Perbankan tahunan 2007</li></ol></small></div></div></div>Jazimahhttp://www.blogger.com/profile/10905162934729122926noreply@blogger.com0tag:blogger.com,1999:blog-8442468303599868515.post-41180215602819117882011-12-16T02:41:00.001-08:002011-12-16T02:42:42.128-08:00Merancang Perbelanjaan<h1 class="title" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 30px; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; font: normal normal normal 30px/1em MyriadProCondensed, Tahoma, Geneva, Verdana, sans-serif; color: rgb(142, 44, 44); text-align: -webkit-auto; "><br /></h1><div id="content-area" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 15px; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; color: rgb(68, 68, 68); font-family: sans-serif; line-height: 22px; text-align: -webkit-auto; "><div id="node-67" class="node node-type-page clearfix" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; zoom: 1; "><div class="content" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><p class="pitch" style="margin-top: 0px; margin-right: 0px; margin-bottom: 1em; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 1.6em; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; color: rgb(149, 149, 149); line-height: 1.2em; background-position: initial initial; background-repeat: initial initial; ">Merancang perbelanjaan adalah langkah pengurusan kewangan yang bijak tidak kira sama ada gaji anda besar ataupun kecil</p><p style="margin-top: 0px; margin-right: 0px; margin-bottom: 1em; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; ">Di antara kesilapan yang sering dilakukan berkaitan duit ialah terlalu banyak berhutang, lambat membayar bil dan tidak menyimpan wang untuk kegunaan masa depan. Anda boleh mengelak daripada melakukan kesilapan yang sama dengan mengawasi tabiat berbelanja anda.</p><p style="margin-top: 0px; margin-right: 0px; margin-bottom: 1em; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; ">Urus wang anda dengan bijak melalui langkah berikut:</p><section style="margin-top: 0px; margin-right: 0px; margin-bottom: 1em; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; overflow-x: hidden; overflow-y: hidden; "><img src="http://islamicfinanceinfo.com.my/sites/default/files/plan_step1.jpg" alt="Langkah 1 - Menentukan Matlamat Kewangan Anda" class="right" style="border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; margin-top: 0px; margin-right: 0px; margin-bottom: 1em; margin-left: 1em; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; float: right; " /><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; overflow-x: hidden; overflow-y: hidden; "><h2 style="margin-top: 1em; margin-right: 0px; margin-bottom: 13px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 32px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 20px; vertical-align: baseline; background-image: url(http://islamicfinanceinfo.com.my/sites/default/files/plan_icon_check.png); background-attachment: initial; background-origin: initial; background-clip: initial; background-color: initial; font: normal normal normal 20px/1em MyriadProCondensed, Tahoma, Geneva, Verdana, sans-serif; color: rgb(117, 136, 153); height: 42px; line-height: 45px; background-position: 0% 50%; background-repeat: no-repeat no-repeat; ">Langkah 1 - Menentukan Matlamat Kewangan Anda</h2><p style="margin-top: 0px; margin-right: 0px; margin-bottom: 1em; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><br /></p><p style="margin-top: 0px; margin-right: 0px; margin-bottom: 1em; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; ">Matlamat kewangan anda seharusnya menggambarkan perkara yang anda ingin kecapi dengan wang anda dalam jangka masa tertentu. Penetapan matlamat ini akan membantu anda memahami nilai sebenar wang dan menggalakkan anda untuk berbelanja dengan lebih bijak.</p><p style="margin-top: 0px; margin-right: 0px; margin-bottom: 1em; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; ">Tetapkan jangka masa untuk merancang dan melaksanakan setiap matlamat anda, sama ada matlamat itu berjangka masa pendek, sederhana atau panjang. Adakah anda merancang untuk…</p><ul style="margin-top: 0px; margin-right: 0px; margin-bottom: 1em; margin-left: 1.8em; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><li style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; ">Membeli rumah</li><li style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; ">Membeli kereta</li><li style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; ">Mulakan keluarga</li><li style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; ">Menabung untuk pendidikan anak anda</li><li style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; ">Melancong</li><li style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; ">Menyediakan perbelanjaan perubatan</li><li style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; ">Menyimpan wang untuk digunakan setelah bersara</li></ul></div></section><section style="margin-top: 0px; margin-right: 0px; margin-bottom: 1em; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; overflow-x: hidden; overflow-y: hidden; "><img src="http://islamicfinanceinfo.com.my/sites/default/files/plan_step2.jpg" alt="Langkah 2 - Menjejaki Mana Perginya Wang Anda" class="left" style="border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; margin-top: 0px; margin-right: 1em; margin-bottom: 1em; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; float: left; " /><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; overflow-x: hidden; overflow-y: hidden; "><h2 style="margin-top: 1em; margin-right: 0px; margin-bottom: 13px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 32px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 20px; vertical-align: baseline; background-image: url(http://islamicfinanceinfo.com.my/sites/default/files/plan_icon_check.png); background-attachment: initial; background-origin: initial; background-clip: initial; background-color: initial; font: normal normal normal 20px/1em MyriadProCondensed, Tahoma, Geneva, Verdana, sans-serif; color: rgb(117, 136, 153); height: 42px; line-height: 45px; background-position: 0% 50%; background-repeat: no-repeat no-repeat; ">Langkah 2 - Menjejaki Mana Perginya Wang Anda</h2><p style="margin-top: 0px; margin-right: 0px; margin-bottom: 1em; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><br /></p><p style="margin-top: 0px; margin-right: 0px; margin-bottom: 1em; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; ">Selepas anda menentukan matlamat anda, mulakan dengan membuat perancangan untuk berbelanja dengan lebih baik agar matlamat anda mudah dicapai. Ingat bahawa matlamat anda buat masa yang terdekat ini bukanlah untuk mengurangkan perbelanjaan tetapi mengenal pasti tabiat berbelanja anda.</p><p style="margin-top: 0px; margin-right: 0px; margin-bottom: 1em; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; ">Melalui pemerhatian ini, anda dapat mengetahui:</p><ul style="margin-top: 0px; margin-right: 0px; margin-bottom: 1em; margin-left: 1.8em; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><li style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; ">Ke mana dan bagaimana anda membelanjakan wang anda</li><li style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; ">Berapa banyak hutang anda setiap bulan</li><li style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; ">Berapa baki wang anda yang masih tinggal di penghujung bulan</li></ul></div></section><section style="margin-top: 0px; margin-right: 0px; margin-bottom: 1em; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; overflow-x: hidden; overflow-y: hidden; "><img src="http://islamicfinanceinfo.com.my/sites/default/files/plan_step3.jpg" alt="Langkah 3 - Menilai Tabiat Berbelanja Anda" class="right" style="border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; margin-top: 0px; margin-right: 0px; margin-bottom: 1em; margin-left: 1em; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; float: right; " /><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; overflow-x: hidden; overflow-y: hidden; "><h2 style="margin-top: 1em; margin-right: 0px; margin-bottom: 13px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 32px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 20px; vertical-align: baseline; background-image: url(http://islamicfinanceinfo.com.my/sites/default/files/plan_icon_check.png); background-attachment: initial; background-origin: initial; background-clip: initial; background-color: initial; font: normal normal normal 20px/1em MyriadProCondensed, Tahoma, Geneva, Verdana, sans-serif; color: rgb(117, 136, 153); height: 42px; line-height: 45px; background-position: 0% 50%; background-repeat: no-repeat no-repeat; ">Langkah 3 - Menilai Tabiat Berbelanja Anda</h2><p style="margin-top: 0px; margin-right: 0px; margin-bottom: 1em; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><br /></p><p style="margin-top: 0px; margin-right: 0px; margin-bottom: 1em; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; ">Jika wang anda tidak berbaki pada penghujung setiap bulan, sudah tiba masanya anda menilai tabiat berbelanja anda. Teliti semula semua perbelanjaan anda dan tentukan sama ada apa yang telah anda beli ialah barangan yang anda benar-benar perlukan atau hanyalah memenuhi kemahuan anda.</p><p style="margin-top: 0px; margin-right: 0px; margin-bottom: 1em; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; ">Perhatikan sama ada:</p><ul style="margin-top: 0px; margin-right: 0px; margin-bottom: 1em; margin-left: 1.8em; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><li style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; ">Anda menggunakan wang simpanan anda untuk membayar bil semasa</li><li style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; ">Anda memohon pinjaman baru untuk membayar pinjaman lama</li><li style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; ">Anda membelanjakan wang melebihi pendapatan anda</li><li style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; ">Anda membeli sesuatu tanpa memikirkan sama ada anda mampu atau tidak</li></ul></div></section><section style="margin-top: 0px; margin-right: 0px; margin-bottom: 1em; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; overflow-x: hidden; overflow-y: hidden; "><img src="http://islamicfinanceinfo.com.my/sites/default/files/plan_step4.jpg" alt="Langkah 4 - Menulis Rancangan Perbelanjaan Anda" class="left" style="border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; margin-top: 0px; margin-right: 1em; margin-bottom: 1em; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; float: left; " /><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; overflow-x: hidden; overflow-y: hidden; "><h2 style="margin-top: 1em; margin-right: 0px; margin-bottom: 13px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 32px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 20px; vertical-align: baseline; background-image: url(http://islamicfinanceinfo.com.my/sites/default/files/plan_icon_check.png); background-attachment: initial; background-origin: initial; background-clip: initial; background-color: initial; font: normal normal normal 20px/1em MyriadProCondensed, Tahoma, Geneva, Verdana, sans-serif; color: rgb(117, 136, 153); height: 42px; line-height: 45px; background-position: 0% 50%; background-repeat: no-repeat no-repeat; ">Langkah 4 - Menulis Rancangan Perbelanjaan Anda</h2><p style="margin-top: 0px; margin-right: 0px; margin-bottom: 1em; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><br /></p><p style="margin-top: 0px; margin-right: 0px; margin-bottom: 1em; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; ">Pelan perbelanjaan membantu anda merancang kewangan. Anda boleh mengesan ke mana duit anda dibelanjakan seterusnya mengelakkan kebanyakan perbelanjaan tersebut dan mula merancang simpanan anda.</p><p style="margin-top: 0px; margin-right: 0px; margin-bottom: 1em; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; ">Mulakan pelan perbelanjaan anda dengan panduan mudah berikut:</p><ul style="margin-top: 0px; margin-right: 0px; margin-bottom: 1em; margin-left: 1.8em; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><li style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; ">Tentukan jumlah pendapatan bulanan anda</li><li style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; ">Tambah jumlah perbelanjaan termasuklah bil bulanan, bayaran balik pinjaman, sewa, perbelanjaan seharian dan lain-lain</li><li style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; ">Ketepikan sejumlah wang untuk kecemasan dan perbelanjaan bermusim (seperti yuran sekolah, musim perayaan, cukai jalan, pembaharuan insurans dan lain-lain)<a href="">Publish Post</a></li></ul></div></section></div></div></div>Jazimahhttp://www.blogger.com/profile/10905162934729122926noreply@blogger.com0tag:blogger.com,1999:blog-8442468303599868515.post-34070391676379209442011-12-16T02:36:00.001-08:002011-12-16T02:36:40.734-08:00Prinsip Asas Takaful<h1 class="title" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 30px; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; font: normal normal normal 30px/1em MyriadProCondensed, Tahoma, Geneva, Verdana, sans-serif; color: rgb(142, 44, 44); "><br /></h1><div id="content-area" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 15px; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; "><div id="node-64" class="node node-type-page clearfix" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; zoom: 1; "><div class="content" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><div class="shariah" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><h2 class="active" style="margin-top: 1em; margin-right: 0px; margin-bottom: 13px; margin-left: 0px; padding-top: 10px; padding-right: 40px; padding-bottom: 10px; padding-left: 40px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 20px; vertical-align: baseline; background-image: url(http://islamicfinanceinfo.com.my/sites/all/themes/islamicinfo/images/arrow_btn.png); background-attachment: initial; background-origin: initial; background-clip: initial; background-color: rgb(0, 0, 51); font: normal normal normal 20px/1em MyriadProCondensed, Tahoma, Geneva, Verdana, sans-serif; color: rgb(255, 255, 255); cursor: pointer; background-position: 0% 100%; background-repeat: no-repeat no-repeat; ">Sumbangan</h2><div class="detail" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><p style="margin-top: 0px; margin-right: 0px; margin-bottom: 1em; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; ">Semua pengendali takaful yang memberikan perlindungan kepada sesuatu harta yang sama akan berkongsi membayar pampasan untuk kerosakan terhadap harta tersebut. Dengan cara ini, seseorang itu tidak boleh "memperolehi keuntungan" dengan membeli lebih daripada satu pelan takaful untuk harta yang sama.</p></div></div><div class="shariah" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><h2 class="active" style="margin-top: 1em; margin-right: 0px; margin-bottom: 13px; margin-left: 0px; padding-top: 10px; padding-right: 40px; padding-bottom: 10px; padding-left: 40px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 20px; vertical-align: baseline; background-image: url(http://islamicfinanceinfo.com.my/sites/all/themes/islamicinfo/images/arrow_btn.png); background-attachment: initial; background-origin: initial; background-clip: initial; background-color: rgb(0, 0, 51); font: normal normal normal 20px/1em MyriadProCondensed, Tahoma, Geneva, Verdana, sans-serif; color: rgb(255, 255, 255); cursor: pointer; background-position: 0% 100%; background-repeat: no-repeat no-repeat; ">Indemniti</h2><div class="detail" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><p style="margin-top: 0px; margin-right: 0px; margin-bottom: 1em; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; ">Meletakkan si penuntut kepada kedudukan kewangan yang sama sejurus sebelum kerugian berlaku melalui bayaran, pembaikan atau penggantian.</p></div></div><div class="shariah" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><h2 class="active" style="margin-top: 1em; margin-right: 0px; margin-bottom: 13px; margin-left: 0px; padding-top: 10px; padding-right: 40px; padding-bottom: 10px; padding-left: 40px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 20px; vertical-align: baseline; background-image: url(http://islamicfinanceinfo.com.my/sites/all/themes/islamicinfo/images/arrow_btn.png); background-attachment: initial; background-origin: initial; background-clip: initial; background-color: rgb(0, 0, 51); font: normal normal normal 20px/1em MyriadProCondensed, Tahoma, Geneva, Verdana, sans-serif; color: rgb(255, 255, 255); cursor: pointer; background-position: 0% 100%; background-repeat: no-repeat no-repeat; ">Kepentingan boleh lindung</h2><div class="detail" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><p style="margin-top: 0px; margin-right: 0px; margin-bottom: 1em; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; ">Merupakan salah satu asas prinsip takaful yang memerlukan peserta berkepentingan terhadap barang atau hayat yang di bawah perlindungan takaful, di mana sesuatu kerosakan atau kehilangan kepada harta benda atau hayat akan mengakibatkan kerugian kewangan kepada peserta tersebut.</p></div></div><div class="shariah" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><h2 class="active" style="margin-top: 1em; margin-right: 0px; margin-bottom: 13px; margin-left: 0px; padding-top: 10px; padding-right: 40px; padding-bottom: 10px; padding-left: 40px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 20px; vertical-align: baseline; background-image: url(http://islamicfinanceinfo.com.my/sites/all/themes/islamicinfo/images/arrow_btn.png); background-attachment: initial; background-origin: initial; background-clip: initial; background-color: rgb(0, 0, 51); font: normal normal normal 20px/1em MyriadProCondensed, Tahoma, Geneva, Verdana, sans-serif; color: rgb(255, 255, 255); cursor: pointer; background-position: 0% 100%; background-repeat: no-repeat no-repeat; ">Penuh percaya mutlak</h2><div class="detail" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><p style="margin-top: 0px; margin-right: 0px; margin-bottom: 1em; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; ">Salah satu prinsip asas takaful yang memerlukan peserta mendedahkan semua fakta penting kepada pengendali takaful berkenaan kontrak takaful. Ini bertujuan untuk membolehkan pengendali takaful membuat keputusan sama ada untuk memberikan perlindungan takaful tersebut dan menentukan amaun sumbangan takaful.</p><div><br /></div></div></div><ul class="links inline" style="margin-top: 0px; margin-right: 0px; margin-bottom: 1em; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; display: inline; "><li class="print_html first last" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0.5em; padding-bottom: 0px; padding-left: 0.5em; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; display: inline; list-style-type: none; color: rgb(68, 68, 68); font-family: sans-serif; line-height: 22px; "></li></ul></div></div></div>Jazimahhttp://www.blogger.com/profile/10905162934729122926noreply@blogger.com0tag:blogger.com,1999:blog-8442468303599868515.post-11112867445529101082011-12-16T02:35:00.001-08:002011-12-16T02:37:07.204-08:00Model Takaful: Mudharabah & Wakalah<h1 class="title" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 30px; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; font: normal normal normal 30px/1em MyriadProCondensed, Tahoma, Geneva, Verdana, sans-serif; color: rgb(142, 44, 44); text-align: -webkit-auto; "><br /></h1><div id="content-area" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 15px; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; color: rgb(68, 68, 68); font-family: sans-serif; line-height: 22px; text-align: -webkit-auto; "><div id="node-73" class="node node-type-page clearfix" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; zoom: 1; "><div class="content" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><h2 style="margin-top: 1em; margin-right: 0px; margin-bottom: 13px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 20px; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; font: normal normal normal 20px/1em MyriadProCondensed, Tahoma, Geneva, Verdana, sans-serif; color: rgb(117, 136, 153); ">Model Takaful</h2>Terdapat tiga model dan beberapa variasi bagaimana takaful boleh dilaksanakan.<ol style="margin-top: 0px; margin-right: 0px; margin-bottom: 1em; margin-left: 1.8em; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; "><li style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; ">Model Mudharabah (Perkongsian keuntungan)</li><li style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; ">Model Wakalah (Agensi)</li><li style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; ">Kombinasi Kedua-duanya</li></ol><p style="margin-top: 0px; margin-right: 0px; margin-bottom: 1em; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; ">Pengendali takaful merupakan pentadbir dana dan menguruskan dana bagi pihak peserta atas kepercayaan yang diberikan, dan kontrak antara peserta dengan pengendali ditetapkan berdasarkan kontrak mudharabah atau wakalah.</p><p style="margin-top: 0px; margin-right: 0px; margin-bottom: 1em; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; ">Mudharabah memberikan hak kepada pihak pemegang kontrak untuk berkongsi keuntungan, manakala tanggungjawab atas kerugian ditanggung oleh peserta; dan di bawah model wakalah, pengendali takaful dibayar fi untuk perkhidmatan yang diberikan, manakala tanggungjawab atas kerugian ditanggung oleh peserta. Fi mungkin berbeza-beza berdasarkan prestasi pengendali takaful. Fi tersebut boleh dalam bentuk jumlah yang tetap atau berdasarkan nisbah yang dipersetujui daripada keuntungan pelaburan atau lebihan dana takaful.</p><h2 style="margin-top: 1em; margin-right: 0px; margin-bottom: 13px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 20px; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; font: normal normal normal 20px/1em MyriadProCondensed, Tahoma, Geneva, Verdana, sans-serif; color: rgb(117, 136, 153); ">Model Wakalah</h2>Pada dasarnya, konsep wakalah ialah hubungan ejen-prinsipal, dengan pengendali takaful bertindak sebagai ejen bagi pihak peserta dan menerima bayaran fi atas perkhidmatan yang diberikan. Fi tersebut boleh dalam bentuk jumlah yang tetap atau berdasarkan nisbah yang dipersetujui daripada keuntungan pelaburan atau lebihan dana takaful.<br /><img src="http://islamicfinanceinfo.com.my/sites/default/files/Wakalah_Model_BM.jpg" style="border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; " /><h2 style="margin-top: 1em; margin-right: 0px; margin-bottom: 13px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; font-size: 20px; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; font: normal normal normal 20px/1em MyriadProCondensed, Tahoma, Geneva, Verdana, sans-serif; color: rgb(117, 136, 153); ">Model Mudarabah</h2>Di bawah kontrak mudharabah, pengendali takaful bertindak sebagai mudharib (pengusaha) dan peserta sebagai rabbul mal (pemilik modal). Kontrak ini menentukan bagaimana lebihan daripada operasi takaful dibahagikan antara pengendali takaful dengan peserta. Kerugian adalah ditanggung oleh peserta sebagai pemilik modal. Walau bagaimanapun, untuk melindungi kepentingan peserta, pengendali takaful perlu mematuhi peraturan kehematan termasuk peruntukan pinjaman tanpa faedah oleh pengendali untuk dana risiko takaful sekiranya terdapat kekurangan dalam dana risiko takaful.<img src="http://islamicfinanceinfo.com.my/sites/default/files/Mudharabah_Model_BM.jpg" style="border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-style: initial; border-color: initial; outline-width: 0px; outline-style: initial; outline-color: initial; vertical-align: baseline; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; " /></div></div></div>Jazimahhttp://www.blogger.com/profile/10905162934729122926noreply@blogger.com0tag:blogger.com,1999:blog-8442468303599868515.post-39707792881905250742011-12-15T01:58:00.000-08:002011-12-15T02:01:26.898-08:00DAPATKAN QUOTATION ANDA DI SINI SECARA PERCUMA!<form enctype="multipart/form-data" method="post" action="http://www.freedback.com/mail.php" charset="UTF-8"><div style="text-align: left;"><br /></div><table cellspacing="5" cellpadding="5" border="0" style="text-align: left;"> <tbody><tr> <td valign="top"><br /> <strong>Nama :</strong><br /> </td> <td valign="top"><br /> <input type="text" name="name" id="name" size="40" value=""><br /> <br /> </td> </tr> <tr> <td valign="top"><br /> <strong>Tarikh Lahir :</strong><br /> </td> <td valign="top"><br /> <input type="text" name="email" id="email" size="40" value=""><br /> <br /> </td> </tr> <tr> <td valign="top"><br /> <strong>Lokasi :</strong><br /> </td> <td valign="top"><div style="text-align: justify;"><br /></div> <select name="field-f744e434e33c47a" id="field-f744e434e33c47a"> <option value="Johor">Johor</option> <option value="Melaka">Melaka</option> <option value="N.Sembilan">N.Sembilan</option> <option value="kuala Lumpur">kuala Lumpur</option> <option value="Selangor">Selangor</option> <option value="Perak">Perak</option> <option value="P.Pinang">P.Pinang</option> <option value="Kedah">Kedah</option> <option value="Perlis">Perlis</option> <option value="Pahang">Pahang</option> <option value="Terengganu">Terengganu</option> <option value="Kelantan">Kelantan</option> <option value="Sabah">Sabah</option> <option value="Sarawak">Sarawak</option> </select><br /> <br /> </td> </tr> <tr> <td valign="top"><br /> <strong>Merokok ?</strong><br /> </td> <td valign="top"><br /> <input type="radio" name="field-5d13d43277551c9" id="field-5d13d43277551c9_0" value="Ya"> Ya<br /><br /> <input type="radio" name="field-5d13d43277551c9" id="field-5d13d43277551c9_1" value="Tidak"> Tidak<br /><br /> <br /> </td> 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style="text-align: left;"><br /></div><!-- End Freedback Form --><div style="text-align: left;"><br /></div>Jazimahhttp://www.blogger.com/profile/10905162934729122926noreply@blogger.com0tag:blogger.com,1999:blog-8442468303599868515.post-35958962085240413322011-12-14T21:40:00.000-08:002011-12-14T21:45:21.400-08:00Memahami Insurans dan Takaful<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjYCRhCq_pUlITLcUlQ-XnXJM8Ss7QVVdSTVuUv7w0nyrcm1jXA-mnxJ4dLkCRr-dDoWTT4l7GdP05U17jROEkYyirxyhYOgPGLi9_f_7WA-U0ghlYair2EwLxuGxdhPXIlAuWS4iCGbCA6/s1600/main_image_bm.jpg" onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}"><img style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 400px; height: 139px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjYCRhCq_pUlITLcUlQ-XnXJM8Ss7QVVdSTVuUv7w0nyrcm1jXA-mnxJ4dLkCRr-dDoWTT4l7GdP05U17jROEkYyirxyhYOgPGLi9_f_7WA-U0ghlYair2EwLxuGxdhPXIlAuWS4iCGbCA6/s400/main_image_bm.jpg" border="0" alt="" id="BLOGGER_PHOTO_ID_5686226948683815778" /></a><div><br /></div><h3 class="post-title entry-title" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; position: relative; font: normal normal normal 30px/normal Georgia, Utopia, 'Palatino Linotype', Palatino, serif; text-align: -webkit-auto; background-color: rgb(153, 204, 238); "><a href="http://perancangkewangananda.blogspot.com/2011/12/memahami-insurans-dan-takaful.html" style="text-decoration: none; color: rgb(102, 153, 204); "></a></h3><span><span>Insurans adalah pemindahan risiko daripada seorang individu seperti anda, atau sebuah organisasi, seperti syarikat anda, kepada syarikat insurans. Anda atau syarikat anda akan dikenali sebagai pemegang polisi. Syarikat insurans akan menerima bayaran daripada anda dalam bentuk premium dan sekiranya anda mengalami sebarang kerugian atau kerosakan, syarikat insurans akan membayar pampasan kepada anda.<br /><br /></span></span><div><span><span>Takaful adalah pelan perlindungan berdasarkan prinsip Syariah. Dengan mencarum sejumlah wang ke dalam dana takaful dalam bentuk caruman penyertaan (tabarru), anda memeterai kontrak (aqad) bagi membolehkan anda menjadi seorang peserta dengan bersetuju untuk saling membantu antara satu sama lain, sekiranya salah seorang peserta mengalami kerugian yang ditetapkan.<br /><br />Kedua-dua insurans dan takaful mempunyai prinsip asas yang sama. Sebagai contoh, pemegang polisi (anda) mestilah mempunyai kepentingan yang sah terhadap barang atau hayat yang diinsuranskan. Ini bermakna, anda akan menanggung kerugian kewangan sekiranya berlaku sesuatu kerosakan atau kehilangan kepada harta benda atau hayat yang diinsuranskan.<br /><br />Anda tidak perlu membeli lebih daripada satu polisi atau pelan untuk melindungi harta anda. Sekiranya anda memiliki lebih daripada satu polisi, anda hanya boleh membuat satu tuntutan jika sebarang kerugian atau kerosakan berlaku. Jumlah yang boleh dibayar akan disumbangkan oleh syarikat-syarikat insurans yang terlibat. Oleh itu, anda tidak boleh meraih keuntungan daripada polisi insurans am atau pelan takaful. Sekiranya anda mengalami kerugian, syarikat insurans akan membayar pampasan yang setimpal atau anda akan ditetakkan kepada keadaan yang sama sebelum berlaku kerugian. Walau bagaimanapun, anda boleh membeli lebih daripada satu polisi untuk melindungi hayat anda.<br /><br />Kontrak insurans atau takaful adalah atas prinsip penuh percaya mutlak . Oleh itu, anda sebagai pemegang polisi atau pelan haruslah mendedahkan semua maklumat penting yang diperlukan. Sekiranya anda gagal mendedahkan maklumat berkenaan, polisi atau pelan anda mungkin tidak sah dan anda tidak akan dilindungi ke atas sebarang kerugian atau kerosakan.<br /><br />Selain itu, di bawah pelan takaful, anda boleh menikmati perkongsian lebihan daripada dana takaful, berdasarkan nisbah yang telah dipersetujui sekiranya anda tidak membuat sebarang tuntutan sepanjang tahun tersebut.</span></span><div class="post-body entry-content" id="post-body-3615181267444096635" style="width: 558px; line-height: 1.4; font-size: 15px; position: relative; font-family: Verdana, Geneva, sans-serif; text-align: -webkit-auto; background-color: rgb(153, 204, 238); "></div></div>Jazimahhttp://www.blogger.com/profile/10905162934729122926noreply@blogger.com0tag:blogger.com,1999:blog-8442468303599868515.post-15677335371805252812011-07-06T21:41:00.000-07:002011-07-06T21:45:15.013-07:00Kad Perubatan Kami<h3 class="post-title entry-title" style="font-family: Verdana, Geneva, sans-serif; line-height: 18px; font-size: 14px; margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; position: relative; font: normal normal normal 30px/normal Georgia, Utopia, 'Palatino Linotype', Palatino, serif; ">TAKAFUL HEALTH</h3><div class="post-header" style="font-family: Verdana, Geneva, sans-serif; font-size: 14px; line-height: 1.6; margin-top: 0px; margin-right: 0px; margin-bottom: 1.5em; margin-left: 0px; "><div class="post-header-line-1"></div></div><div class="post-body entry-content" id="post-body-1914878403054773848" style="width: 548px; position: relative; "><span class="Apple-style-span" style="font-family: Arial, Verdana; font-size: 14px; line-height: 20px; "><b><span style="border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-family: inherit; font-size: x-small; font-style: inherit; font-weight: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline; "><span class="msgtitle" style="border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-family: inherit; font-size: 13px; font-style: inherit; font-weight: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline; ">PLAN(TAKAFUL+PELABURAN+MEDICAL CARD)TERBAIK DI MALAYSIA </span></span></b></span><br /><div class="msgtext" style="line-height: 1.4; border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-family: inherit; font-size: 14px; font-style: inherit; font-weight: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline; "><span style="border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-family: inherit; font-size: 14px; font-style: inherit; font-weight: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline; "><b><br /><span class="Apple-style-span" >Medical Card PruBSN Takaful</span></b></span> atau <span style="border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-family: inherit; font-size: 14px; font-style: inherit; font-weight: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline; "><b><span class="Apple-style-span" >TAKAFUL HEATLH CARD</span></b></span> adalah satu manfaat tambahan dalam polisi Takafulink khas untuk perlindungan bil perubatan. Menawarkan perlindungan bermula dari nilai RM500,000 hingga RM1.5 Juta, sehingga berumur lapan puluh tahun. Ia juga menawarkan pilihan tiada had tahunan untuk penggunaan nilai kad.<br /><br /><div class="separator" style="clear: both; text-align: center; "><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgdqiQ3zh9NyKI_V2eEr8Lo6MLqerPMqpKFdwvm7YtYUuW6O_B7RjdpFwxgURLwEIGgfeWmMa6Q9bkMcAedVbxOQwTxgEa4nxBSfaISTrpWJlemrpVS6WEU_Ged-i2IO-gtwYCuXvZ42vE/s1600/pru+card.png" imageanchor="1" style="text-decoration: none; margin-left: 1em; margin-right: 1em; "><span class="Apple-style-span" ><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgdqiQ3zh9NyKI_V2eEr8Lo6MLqerPMqpKFdwvm7YtYUuW6O_B7RjdpFwxgURLwEIGgfeWmMa6Q9bkMcAedVbxOQwTxgEa4nxBSfaISTrpWJlemrpVS6WEU_Ged-i2IO-gtwYCuXvZ42vE/s320/pru+card.png" width="320" style="border-top-style: none; border-right-style: none; border-bottom-style: none; border-left-style: none; border-width: initial; border-color: initial; position: relative; " /></span></a></div><b><br /></b><br /><b><br /></b><br /><b>Antara kelebihan TAKAFUL HEALTH CARD adalah seperti berikut :</b><br /><br />* Had tahunan dan had keseluruhan sehingga 70 tahun yang tinggi<br />* Kebebasan memilih hospital dan doktor untuk merawat anda<br />* Perlindungan 24 jam diseluruh dunia (SOS International)<br />* Perkhidmatan bayaran secara online di lebih 50 buah hospital panel seluruh Malaysia. Anda tidak perlu membayar bil rawatan terlebih dahulu. Sebaliknya kos rawatan akan dibayar terus ke hospital melalui kemudahan perkhidmatan Hospital Alliance Services (HAS).<br />* Rawatan sebelum masuk hospital dan selepas keluar hospital<br />* Penjagaan jururawat di rumah<br />* Pembedahan balik hari (Day Surgery)<br />* Rawatan kecemasan pesakit luar untuk kecederaan akibat kemalangan<br />* Rawatan Dialisis buah pinggang<br />* Rawatan Kanser<br />* Jaminan pembaharuan sehingga umur lapan puluh tahun<br />* Jaminan tiada pembatalan portfolio (Non-Cancellable)<br />* Dan banyak lagi......<br /><br />Sila lihat jadual dibawah untuk senarai manfaat <span style="border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-family: inherit; font-size: 14px; font-style: inherit; font-weight: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline; "><b><span class="Apple-style-span" >TAKAFUL HEALTH CARD</span></b></span>.</div><div class="msgtext" style="line-height: 1.4; border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-family: inherit; font-size: 14px; font-style: inherit; font-weight: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline; "><br /></div><div class="separator" style="font-family: Verdana, Geneva, sans-serif; line-height: 1.4; font-size: 15px; clear: both; text-align: center; "><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhr8BtAMzVqPKe1xBsjRFEWd2OvcqSgwpTc4yL84uCTQ_arBUT7tgvnDcJ9sVGxiHakYDUGIZrWvm4IjT7OBKrZFNYqddiesHwYpDi0JG4Un9lj00RqhsJVCCK1JJKhBR5jCmxo2LX86oc/s1600/th4.jpg" imageanchor="1" style="text-decoration: none; margin-left: 1em; margin-right: 1em; "><span class="Apple-style-span" ><img border="0" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhr8BtAMzVqPKe1xBsjRFEWd2OvcqSgwpTc4yL84uCTQ_arBUT7tgvnDcJ9sVGxiHakYDUGIZrWvm4IjT7OBKrZFNYqddiesHwYpDi0JG4Un9lj00RqhsJVCCK1JJKhBR5jCmxo2LX86oc/s640/th4.jpg" width="384" style="border-top-style: none; border-right-style: none; border-bottom-style: none; border-left-style: none; border-width: initial; border-color: initial; position: relative; " /></span></a></div><div class="msgtext" style="line-height: 1.4; border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-family: inherit; font-size: 14px; font-style: inherit; font-weight: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline; "><br /></div><div class="msgtext" style="line-height: 1.4; border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; font-family: inherit; font-size: 14px; font-style: inherit; font-weight: inherit; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline; ">Manfaat TAKAFUL HEALTH CARD ini tertakluk kepada syarat dan terma ko-takaful iaitu :<br /><br />1- Ko-Takaful sebanyak 10% (minimum RM 300 dan maksimum RM 1,000) untuk Manfaat Hospital dan Pembedahan (In Hospitalisation & Surgical), KECUALI untuk Manfaat Bilik dan Penginapan Hospital Harian tiada ko-takaful di kenakan. Maknanya, PruBSN akan membayar 100% kos bilik mengikut pelan yang diambil.<br /><br /><br />Ringkasan ko-takaful untuk in-hospitalisation<br /><br />(300 <= ko-takaful :10% <=1000)<br /><br /><br />Contoh 1 :<br />Jumlah Bil RM 2,000 : 10% Ko-Takaful = RM 200. Oleh kerana minimum Ko-Takaful RM 300, klien perlu bayar RM 300 kepada hospital, manakala PruBSN bayar selebihnya iaitu RM 1,700<br /><br />Contoh 2 :<br />Jumlah Bil RM 5,000 : 10% Ko-Takaful = RM 500. Klien perlu bayar ko-takaful RM500 kepada hospital, kerana nilainya antara 300 hingga 1000. PruBSN akan membayar baki bil iaitu RM 4,500.<br /><br />Contoh 3 :<br />Jumlah Bil RM 30,000 : 10% ko-Takaful = RM3,000. Klien hanya perlu membayar RM1,000 disebabkan had maksimum adalah RM1,000. PruBSN akan membayar baki bil iaitu RM 29,000.<br /><br /><br />Oleh sebab itu, anda dinasihatkan untuk mengambil pelan yang komprehensif iaitu dengan memasukkan Manfaat Elaun Hospital (Hospital Benefit) dan Manfaat Elaun ICU & Bedah (Medical Cover). Manfaat ini akan membantu anda untuk menampung kos ko-takaful di atas.<br /><br />2- Bagi Manfaat Rawatan Pesakit Luar. Klien hanya perlu bayar 10% daripada bil yang dikenakan sahaja. Tidak tertakluk kepada had minimum dan had maksimum. Bagi manfaat ini, klien perlu membuat pembayaran terlebih dahulu dan claim ke PruBSN. Pastikan anda memperolehi RESIT ASAL semasa anda membuat pembayaran. Ini kerana, tanpa resit asal, claim tidak akan diluluskan.<br /><br />3- Apakah Pengecualiannya?<br /><br />Pengecualian yang biasa ialah:<br /><br />* Kecederaan diri yang disengajakan.<br />* Peperangan, penglibatan secara langsung dalam rusuhan, mogok atau kekacauan awam.<br />* Kehamilan, melahirkan anak, keguguran atau pengguguran janin.<br />* Rawatan pergigian melainkan diperlukan kerana kecederaan akibat kemalangan atau penyakit yang melibatkan pembedahan oral.<br />* Sebarang pembedahan elektif, pembedahan kosmetik atau plastik (melainkan diperlukan kerana kecederaan akibat kemalangan atau penyakit).<br />* Kemasukan ke hospital yang tujuan utamanya ialah untuk penyiasatan, diagnosis, pemeriksaan Xray, pemeriksaan fi zikal am atau pemeriksaan kesihatan rutin; rawatan khusus untuk mengurangkan atau menambahkan berat badan; pemulihan, penjagaan atau rehat pulih.<br />* AIDS, kewujudan sebarang jangkitan HIV atau penyakit yang disebarkan melalui hubungan seks.<br />* Perkhidmatan yang tidak berkaitan dengan perubatan.<br />* Penyakit otak, penyakit jiwa, penyalahgunaan/ketagihan arak atau bahan.<br />* Ketidaksuburan, pencegahan hamil, pemandulan, kecacatan kelahiran, kecacatan kongenital, berkhatan.<br />* Sukan professional, sebarang jenis perlumbaan, selam skuba, aktiviti sukan udara dan sebarang aktiviti atau sukan berbahaya lain.<br />* Sebarang pelanggaran atau percubaan untuk melanggar undang-undang atau menentang daripada ditahan.<br />* Penyakit-penyakit tertentu berikut bagi 120 hari pertama perlindungan. Sila rujuk senarai penyakit spesifik seperti di bawah.<br /><br />Perlindungan bermula serta merta selepas polisi lulus (approved) bagi kemasukkan ke hospital akibat kemalangan. Tetapi perlindungan bagi sebab-sebab lain hanya bermula 30 hari selepas polisi lulus.<br /><br />Perlindungan bagi penyakit-penyakit tertentu (Specified Illness) akan bermula 120 hari selepas polisi lulus. Senarai penyakit tertentu adalah seperti berikut :<br /><br />* Batu karang di dalam sistem kencing atau hempedu<br />* Hipertensi atau Penyakit Kardiovaskular (kecuali serangan jantung)<br />* Diabetes Mellitus<br />* Semua jenis ketumbuhan, cyst, polips atau kanser (barah)<br />* Pembedahan sinus, septum hidung atau tonsil<br />* Hernia, buasir atau fistula<br />* Endometriosis atau difungsi pendarahan uterin<br /><br />Syarikat tidak akan membayar mana-mana manfaat yang berpunca daripada keadaan sediawujud (pre-existing condition) sama ada secara langsung atau tidak langsung sekiranya perkara tersebut tidak didedahkan semasa membuat permohonan takaful.<br />Jika anda menerima rawatan di luar negara, manfaat yang dibayar adalah berdasarkan kos rawatan yang berpatutan dengan caj yang dikenakan oleh hospital di Malaysia. Tiada manfaat akan dibayar jika anda bermastautin di luar negara melebihi 90 hari bagi setiap perjalanan.</div><div class="msgtext" style="border-bottom-width: 0px; border-color: initial; border-left-width: 0px; border-right-width: 0px; border-style: initial; border-top-width: 0px; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; vertical-align: baseline; "><div style="font-style: inherit; font-weight: inherit; line-height: 1.4; font-size: 14px; font-family: inherit; "><br /></div><div style="font-style: inherit; font-weight: inherit; line-height: 1.4; font-size: 14px; font-family: inherit; "><br /></div><div style="font-style: inherit; font-weight: inherit; line-height: 1.4; font-size: 14px; font-family: inherit; text-align: center; "><span class="Apple-style-span" style="font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; line-height: 20px; "></span></div><div style="font-family: Verdana, Geneva, sans-serif; font-style: inherit; line-height: 1.4; font-size: 14px; font-weight: normal; text-align: center; "><span class="Apple-style-span" style="line-height: 18px; "><b><b><span class="Apple-style-span"><b><span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif; ">berminat nak tahu lebih lanjut?</span></b></span></b></b></span></div><div style="font-family: Verdana, Geneva, sans-serif; font-style: inherit; line-height: 1.4; font-size: 14px; font-weight: normal; text-align: center; "><span class="Apple-style-span" style="line-height: 18px; "><b><b><b><span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif; ">sila hubungi<span class="Apple-style-span" style="font-size: xx-small; "> </span></span></b></b></b></span></div><div style="text-align: center; "><span class="Apple-style-span" ><span class="Apple-style-span" style="font-weight: 900; line-height: 18px;"><i><br /></i></span></span></div><div style="font-family: Verdana, Geneva, sans-serif; font-style: inherit; font-weight: inherit; line-height: 1.4; text-align: center; "><span class="Apple-style-span" style="line-height: 18px; "><b><b><span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif; "><i><span class="Apple-style-span" >Jazimah</span></i></span></b></b></span></div><div style="font-family: Verdana, Geneva, sans-serif; font-style: inherit; line-height: 1.4; font-weight: normal; text-align: center; "><span class="Apple-style-span" style="line-height: 18px; "><b><b><b><span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif; "><span class="Apple-style-span" >012-6696054</span></span></b></b></b></span></div></div></div>Jazimahhttp://www.blogger.com/profile/10905162934729122926noreply@blogger.com0tag:blogger.com,1999:blog-8442468303599868515.post-14463796727596509522011-06-19T09:49:00.000-07:002011-06-19T09:51:06.732-07:00Hubungi Saya...<span class="Apple-style-span" style="font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; line-height: 20px; "><div style="font-size: 14px; "><div class="separator" style="clear: both; text-align: center; "><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgr-CmbkuBHni5EtjC0St3BrDqTNCKeIvPROMPIfbjD1pNWcljukRHy_2piiHgazxANt1fVaYpPuyrBNkDTbnOkjhfVoPz2GahDrpRCz0zzYElgT9S7kieoJ_qRKjjwhuOHJ7tGkPpHMw0/s1600/0312201026077.jpg" imageanchor="1" style="text-decoration: none; color: rgb(76, 17, 48); margin-left: 1em; margin-right: 1em; "><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgr-CmbkuBHni5EtjC0St3BrDqTNCKeIvPROMPIfbjD1pNWcljukRHy_2piiHgazxANt1fVaYpPuyrBNkDTbnOkjhfVoPz2GahDrpRCz0zzYElgT9S7kieoJ_qRKjjwhuOHJ7tGkPpHMw0/s320/0312201026077.jpg" width="238" style="border-top-style: none; border-right-style: none; border-bottom-style: none; border-left-style: none; border-width: initial; border-color: initial; position: relative; padding-top: 8px; padding-right: 8px; padding-bottom: 8px; padding-left: 8px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: rgb(255, 255, 255); -webkit-box-shadow: rgba(0, 0, 0, 0.496094) 1px 1px 5px; box-shadow: rgba(0, 0, 0, 0.496094) 1px 1px 5px; background-position: initial initial; background-repeat: initial initial; " /></a></div><span class="UIStory_Message" style="font-family: 'Courier New', Courier, monospace; font-size: x-large; "><br /></span></div><h3 class="UIIntentionalStory_Message" ft="{"type":"msg"}" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; position: relative; text-align: center; "><span class="Apple-style-span" style="font-family: Times, 'Times New Roman', serif; "><span class="Apple-style-span" >Jazy</span></span></h3><h3 class="UIIntentionalStory_Message" ft="{"type":"msg"}" style="font-size: 14px; margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; position: relative; text-align: center; "><span class="Apple-style-span" style="font-weight: normal; "><b><span class="Apple-style-span" style="font-family: Times, 'Times New Roman', serif; font-size: x-large; "><br /></span></b></span></h3><h3 class="UIIntentionalStory_Message" ft="{"type":"msg"}" style="font-size: 14px; margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; position: relative; text-align: center; "><span class="Apple-style-span" style="font-weight: normal; "><b><span class="Apple-style-span" style="font-family: Times, 'Times New Roman', serif; font-size: x-large; ">012-6696054</span></b></span></h3><div style="font-size: 14px; text-align: center; "><span class="UIStory_Message" style="font-family: Times, 'Times New Roman', serif; font-size: x-large; "><b><br /></b></span></div><div style="font-size: 14px; text-align: center; "><span class="UIStory_Message" style="font-family: Times, 'Times New Roman', serif; font-size: x-large; "><b>jazimah@prupartner.com.my</b></span></div><h3 class="UIIntentionalStory_Message" ft="{"type":"msg"}" style="font-size: 14px; margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; position: relative; "><br /></h3><div style="font-size: 14px; text-align: center; ">Sertai kami di FACEBOOK</div><div style="font-size: 14px; text-align: center; "><br /></div><div style="font-size: 14px; text-align: center; "><a href="https://www.facebook.com/pages/Perancang-Takaful-Anda/173414472678127" style="text-decoration: none; color: rgb(76, 17, 48); "><span class="Apple-style-span" style="color: red; ">https://www.facebook.com/pages/Perancang-Takaful-Anda/173414472678127</span></a></div><div style="font-size: 14px; text-align: center; "><br /></div><div style="font-size: 14px; text-align: center; ">segala pendapat dan pandangan anda amatlah lami alu-alukan.</div><div style="font-size: 14px; "><br /></div></span>Jazimahhttp://www.blogger.com/profile/10905162934729122926noreply@blogger.com0tag:blogger.com,1999:blog-8442468303599868515.post-2061007905765714282011-06-19T05:53:00.000-07:002011-06-19T05:57:57.284-07:00PELINDUNGAN UNTUK PUTERI<span class="Apple-style-span" style="color: rgb(55, 55, 55); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 15px; line-height: 24px; "><header class="entry-header" style="font-weight: 300; display: block; margin-top: 0px; margin-right: auto; margin-bottom: 0px; margin-left: auto; width: 584px; "><h1 class="entry-title" style="border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-family: inherit; font-size: 36px; font-style: inherit; font-weight: bold; margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; outline-width: 0px; outline-style: initial; outline-color: initial; padding-top: 15px; padding-right: 0px; padding-bottom: 0.3em; padding-left: 0px; vertical-align: baseline; clear: both; color: rgb(0, 0, 0); line-height: 48px; text-decoration: none; ">Takaful Puteri & Takaful Puteri PLUS</h1></header><div class="entry-content" style="border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-family: inherit; font-size: 15px; font-style: inherit; margin-top: 0px; margin-right: auto; margin-bottom: 0px; margin-left: auto; outline-width: 0px; outline-style: initial; outline-color: initial; padding-top: 1.625em; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; vertical-align: baseline; width: 584px; "><p style="border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-family: inherit; font-size: 15px; font-style: inherit; font-weight: inherit; margin-top: 0px; margin-right: 0px; margin-bottom: 1.625em; margin-left: 0px; outline-width: 0px; outline-style: initial; outline-color: initial; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; vertical-align: baseline; "><a href="http://prutakafulinfo.files.wordpress.com/2011/03/takaful_puteri.jpg" style="border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-family: inherit; font-size: 15px; font-style: inherit; font-weight: inherit; margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; outline-width: 0px; outline-style: initial; outline-color: initial; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; vertical-align: baseline; color: rgb(25, 130, 209); text-decoration: none; "><img class="alignleft size-medium wp-image-260" title="Takaful_Puteri" src="http://prutakafulinfo.files.wordpress.com/2011/03/takaful_puteri.jpg?w=193&h=300" alt="takaful puteri, takaful health, sakit perempuan, rider" width="193" height="300" style="border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-style: initial; border-color: initial; margin-top: 0.4em; display: inline; float: left; margin-right: 1.625em; max-width: 97.5%; height: auto; margin-bottom: 1.625em; border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-top-color: rgb(221, 221, 221); border-right-color: rgb(221, 221, 221); border-bottom-color: rgb(221, 221, 221); border-left-color: rgb(221, 221, 221); padding-top: 6px; padding-right: 6px; padding-bottom: 6px; padding-left: 6px; " /></a></p><p style="border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-family: inherit; font-size: 15px; font-style: inherit; font-weight: inherit; margin-top: 0px; margin-right: 0px; margin-bottom: 1.625em; margin-left: 0px; outline-width: 0px; outline-style: initial; outline-color: initial; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; vertical-align: baseline; ">HAYATI LAH HIDUP ANDA HARI INI DENGAN KEBEBASAN SEPENUHNYA!!!!!</p><p style="border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-family: inherit; font-size: 15px; font-style: inherit; font-weight: inherit; margin-top: 0px; margin-right: 0px; margin-bottom: 1.625em; margin-left: 0px; outline-width: 0px; outline-style: initial; outline-color: initial; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; vertical-align: baseline; ">Penghargaan anda sebagai seorang anak, isteri atau ibu sangatlah dihargai. Anda disanjungi dan dihormati sebagai seorang insan yang menyatukan dan membawa keharmonian hidup kepada ahli-ahli keluarga anda. Sebagai seorang wanita, anda dilahirkan dengan kecenderungan semula jadi untuk memelihara dan berusaha dengan gigih di dalam segala apa yang anda hadapi.</p><p style="border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-family: inherit; font-size: 15px; font-style: inherit; font-weight: inherit; margin-top: 0px; margin-right: 0px; margin-bottom: 1.625em; margin-left: 0px; outline-width: 0px; outline-style: initial; outline-color: initial; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; vertical-align: baseline; ">Kaum wanita telah menempuh pelbagai cabaran sepanjang zaman. Di dalam perubahan itu, tanggapan terhadap wanita telah berubah daripada insan yang lemah kepada kaum moden yang gigih dan berdikari.</p><p style="border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-family: inherit; font-size: 15px; font-style: inherit; font-weight: inherit; margin-top: 0px; margin-right: 0px; margin-bottom: 1.625em; margin-left: 0px; outline-width: 0px; outline-style: initial; outline-color: initial; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; vertical-align: baseline; ">Walau bagaimanapun, di dalam perjalanan kehidupan harian anda mungkin menghadapi beberapa risiko kepada kesihatan anda. Struktur badan membuatkan anda lebih cenderung pada beberapa penyakit spesifik yang dihadapi oleh kaum wanita.</p><p style="border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-family: inherit; font-size: 15px; font-style: inherit; font-weight: inherit; margin-top: 0px; margin-right: 0px; margin-bottom: 1.625em; margin-left: 0px; outline-width: 0px; outline-style: initial; outline-color: initial; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; vertical-align: baseline; ">Di PruBSN, kami menghargai dan memahami keperluan anda sepenuhnya. Dengan itu, kami telah menyediakan satu pelan perlindungan yang akan memberi anda ketenangan dan kebebasan untuk menghayati kehidupan anda dengan sepenuhnya di samping menyediakan anda untuk menghadapi apa-apa cabaran hidup yang mungkin timbul.</p><p style="border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-family: inherit; font-size: 15px; font-style: inherit; font-weight: inherit; margin-top: 0px; margin-right: 0px; margin-bottom: 1.625em; margin-left: 0px; outline-width: 0px; outline-style: initial; outline-color: initial; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; vertical-align: baseline; ">Manfaat Takaful Puteri merupakan manfaat rider (perlu disertakan dengan pelan Takafulink)</p><p style="border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-family: inherit; font-size: 15px; font-style: inherit; font-weight: inherit; margin-top: 0px; margin-right: 0px; margin-bottom: 1.625em; margin-left: 0px; outline-width: 0px; outline-style: initial; outline-color: initial; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; vertical-align: baseline; ">Pelan-Pelan Takaful Puteri menawarkan pelbagai manfaat tambahan kepada wanita yang biasanya tidak terdapat di dalam pelan Takafulink.</p><p style="border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-family: inherit; font-size: 15px; font-style: inherit; font-weight: inherit; margin-top: 0px; margin-right: 0px; margin-bottom: 1.625em; margin-left: 0px; outline-width: 0px; outline-style: initial; outline-color: initial; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; vertical-align: baseline; ">Terdapat 2 pilihan pelan iaitu :-</p><p style="border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-family: inherit; font-size: 15px; font-style: inherit; font-weight: inherit; margin-top: 0px; margin-right: 0px; margin-bottom: 1.625em; margin-left: 0px; outline-width: 0px; outline-style: initial; outline-color: initial; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; vertical-align: baseline; "><strong style="border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-family: inherit; font-size: 15px; font-style: inherit; font-weight: bold; margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; outline-width: 0px; outline-style: initial; outline-color: initial; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; vertical-align: baseline; ">Takaful Puteri</strong> atau <strong style="border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-family: inherit; font-size: 15px; font-style: inherit; font-weight: bold; margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; outline-width: 0px; outline-style: initial; outline-color: initial; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; vertical-align: baseline; ">Takaful Puteri Plus</strong></p><p style="border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-family: inherit; font-size: 15px; font-style: inherit; font-weight: inherit; margin-top: 0px; margin-right: 0px; margin-bottom: 1.625em; margin-left: 0px; outline-width: 0px; outline-style: initial; outline-color: initial; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; vertical-align: baseline; ">Kedua-dua pelan menawarkan tiga tahap jumlah yang diinsurankan iaitu</p><p style="border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-family: inherit; font-size: 15px; font-style: inherit; font-weight: inherit; margin-top: 0px; margin-right: 0px; margin-bottom: 1.625em; margin-left: 0px; outline-width: 0px; outline-style: initial; outline-color: initial; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; vertical-align: baseline; "><strong style="border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-family: inherit; font-size: 15px; font-style: inherit; font-weight: bold; margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; outline-width: 0px; outline-style: initial; outline-color: initial; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; vertical-align: baseline; ">Plan 1 = RM 50,000</strong></p><p style="border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-family: inherit; font-size: 15px; font-style: inherit; font-weight: inherit; margin-top: 0px; margin-right: 0px; margin-bottom: 1.625em; margin-left: 0px; outline-width: 0px; outline-style: initial; outline-color: initial; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; vertical-align: baseline; "><strong style="border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-family: inherit; font-size: 15px; font-style: inherit; font-weight: bold; margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; outline-width: 0px; outline-style: initial; outline-color: initial; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; vertical-align: baseline; ">Plan 2 = RM100,000</strong></p><p style="border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-family: inherit; font-size: 15px; font-style: inherit; font-weight: inherit; margin-top: 0px; margin-right: 0px; margin-bottom: 1.625em; margin-left: 0px; outline-width: 0px; outline-style: initial; outline-color: initial; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; vertical-align: baseline; "><strong style="border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-family: inherit; font-size: 15px; font-style: inherit; font-weight: bold; margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; outline-width: 0px; outline-style: initial; outline-color: initial; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; vertical-align: baseline; ">Plan 3 = RM150,000</strong></p><p style="border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-family: inherit; font-size: 15px; font-style: inherit; font-weight: inherit; margin-top: 0px; margin-right: 0px; margin-bottom: 1.625em; margin-left: 0px; outline-width: 0px; outline-style: initial; outline-color: initial; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; vertical-align: baseline; ">Pelan <strong style="border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-family: inherit; font-size: 15px; font-style: inherit; font-weight: bold; margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; outline-width: 0px; outline-style: initial; outline-color: initial; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; vertical-align: baseline; ">Takaful Puteri</strong> menawarkan :</p><ul style="border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-family: inherit; font-size: 15px; font-style: inherit; font-weight: inherit; margin-top: 0px; margin-right: 0px; margin-bottom: 1.625em; margin-left: 2.5em; outline-width: 0px; outline-style: initial; outline-color: initial; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; vertical-align: baseline; list-style-type: square; list-style-position: initial; list-style-image: initial; "><li style="border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-family: inherit; font-size: 15px; font-style: inherit; font-weight: inherit; margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; outline-width: 0px; outline-style: initial; outline-color: initial; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; vertical-align: baseline; ">Manfaat Penjagaan Wanita yang melindungi daripada penyakit-penyakit berkaitan wanita</li></ul><p style="border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-family: inherit; font-size: 15px; font-style: inherit; font-weight: inherit; margin-top: 0px; margin-right: 0px; margin-bottom: 1.625em; margin-left: 0px; outline-width: 0px; outline-style: initial; outline-color: initial; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; vertical-align: baseline; ">Pelan <strong style="border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-family: inherit; font-size: 15px; font-style: inherit; font-weight: bold; margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; outline-width: 0px; outline-style: initial; outline-color: initial; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; vertical-align: baseline; ">Takaful Puteri Plus</strong> menawarkan:</p><ul style="border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-family: inherit; font-size: 15px; font-style: inherit; font-weight: inherit; margin-top: 0px; margin-right: 0px; margin-bottom: 1.625em; margin-left: 2.5em; outline-width: 0px; outline-style: initial; outline-color: initial; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; vertical-align: baseline; list-style-type: square; list-style-position: initial; list-style-image: initial; "><li style="border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-family: inherit; font-size: 15px; font-style: inherit; font-weight: inherit; margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; outline-width: 0px; outline-style: initial; outline-color: initial; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; vertical-align: baseline; ">Manfaat Penjagaan Wanita yang melindungi anda daripada penyakit-penyakit yang berkaitan wanita.</li><li style="border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-family: inherit; font-size: 15px; font-style: inherit; font-weight: inherit; margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; outline-width: 0px; outline-style: initial; outline-color: initial; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; vertical-align: baseline; ">Manfaat Penjagaan Ibu yang melindungi komplikasi kehamilan dan penyakit-penyakit congenital bayi (penyakit sejak lahir)</li></ul><div style="border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-family: inherit; font-size: 15px; font-style: inherit; font-weight: inherit; margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; outline-width: 0px; outline-style: initial; outline-color: initial; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; vertical-align: baseline; "><a href="http://www.takafulbsn.com/takaful-puteri/#ixzz1HCg4Mpuu" style="border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-family: inherit; font-size: 15px; font-style: inherit; font-weight: inherit; margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; outline-width: 0px; outline-style: initial; outline-color: initial; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; vertical-align: baseline; color: rgb(25, 130, 209); text-decoration: none; "></a><a href="http://prutakafulinfo.files.wordpress.com/2011/03/takaful_puteri-vert.jpg" style="border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-family: inherit; font-size: 15px; font-style: inherit; font-weight: inherit; margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; outline-width: 0px; outline-style: initial; outline-color: initial; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; vertical-align: baseline; color: rgb(25, 130, 209); text-decoration: underline; "><img class="aligncenter size-full wp-image-261" title="takaful_puteri-vert" src="http://prutakafulinfo.files.wordpress.com/2011/03/takaful_puteri-vert.jpg?w=468&h=1018" alt="manfaat takaful puteri, plan, sakit kritikal" width="468" height="1018" style="border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-style: initial; border-color: initial; clear: both; display: block; margin-left: auto; margin-right: auto; max-width: 97.5%; height: auto; width: auto; margin-bottom: 1.625em; border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-top-color: rgb(187, 187, 187); border-right-color: rgb(187, 187, 187); border-bottom-color: rgb(187, 187, 187); border-left-color: rgb(187, 187, 187); padding-top: 6px; padding-right: 6px; padding-bottom: 6px; padding-left: 6px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: rgb(238, 238, 238); background-position: initial initial; background-repeat: initial initial; " /></a></div><p style="text-align: center;border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-family: inherit; font-size: 15px; font-style: inherit; margin-top: 0px; margin-right: 0px; margin-bottom: 1.625em; margin-left: 0px; outline-width: 0px; outline-style: initial; outline-color: initial; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; vertical-align: baseline; "><b>Sila hubungi saya JAZIMAH 0126696054 untuk info selanjutnya,insyallah saya boleh membantu anda.</b></p></div></span>Jazimahhttp://www.blogger.com/profile/10905162934729122926noreply@blogger.com0tag:blogger.com,1999:blog-8442468303599868515.post-72044939515586128742011-06-19T05:23:00.000-07:002011-06-19T05:36:45.869-07:00TABUNGAN UNTUK ANAK YANG BAKAL DILAHIRKAN<span class="Apple-style-span" style="color: rgb(85, 85, 85); font-family: tahoma, 'Trebuchet MS', lucida, helvetica, sans-serif; font-size: 13px; line-height: 18px; "><m:smallfrac val="off"><m:dispdef><m:lmargin val="0"><m:rmargin val="0"><m:defjc val="centerGroup"><span style="font-size: large; "><b>1. <span style="font-family: 'Times New Roman'; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal; "></span></b></span><b><u><span style="font-size: large; ">Pelan Pertama Di Malaysia yang melindungi Ibu dan Anak anda sebelum mereka lahir lagi ! </span><o:p></o:p></u></b></m:defjc></m:rmargin></m:lmargin></m:dispdef></m:smallfrac><br /><div class="MsoNormal" style="margin-top: 0in; margin-right: 0in; margin-bottom: 10pt; margin-left: 0in; line-height: 17px; font-size: 11pt; font-family: Calibri, sans-serif; "><br /></div><div class="separator" style="clear: both; text-align: center; "><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjjpiD_L0PkEcEx5F3O8S3K1ppGdRR2JeRxOkVR2ci1QcExLbMPu5hh9-OOR_QjgKaKUqqypMG9E9T9NeKOcYDJ0OSIzBlnzhuydbZJ0Ny5v_IBjYUxuMsrJViJlAr2GxpEZ4_5D-JMqOw/s1600/pregnant.jpg" imageanchor="1" style="font-weight: bold; text-decoration: none; color: rgb(102, 0, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; clear: left; float: left; margin-bottom: 1em; margin-right: 1em; background-position: initial initial; background-repeat: initial initial; "><img border="0" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjjpiD_L0PkEcEx5F3O8S3K1ppGdRR2JeRxOkVR2ci1QcExLbMPu5hh9-OOR_QjgKaKUqqypMG9E9T9NeKOcYDJ0OSIzBlnzhuydbZJ0Ny5v_IBjYUxuMsrJViJlAr2GxpEZ4_5D-JMqOw/s200/pregnant.jpg" width="168" style="border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; display: block; " /></a></div><div class="MsoNormal" style="margin-top: 0in; margin-right: 0in; margin-bottom: 10pt; margin-left: 0in; line-height: 17px; font-size: 11pt; font-family: Arial, Helvetica, sans-serif; "><span style="font-size: small; ">PruMy Child adalah insuran / pelan pendidikan pertama di Malaysia yang melindungi anak dan ibu semasa mengandung. </span></div><div class="MsoNormal" style="margin-top: 0in; margin-right: 0in; margin-bottom: 10pt; margin-left: 0in; line-height: 17px; font-size: 11pt; font-family: Arial, Helvetica, sans-serif; "><br /></div><div class="MsoNormal" style="margin-top: 0in; margin-right: 0in; margin-bottom: 0.0001pt; margin-left: 0in; line-height: normal; font-size: 11pt; font-family: Arial, Helvetica, sans-serif; "><span style="font-size: small; ">Anda boleh membeli pelan ini untuk anak anda yang belum lahir seawal<o:p></o:p></span></div><div class="MsoNormal" style="margin-top: 0in; margin-right: 0in; margin-bottom: 0.0001pt; margin-left: 0in; line-height: normal; font-size: 11pt; font-family: Arial, Helvetica, sans-serif; "><span style="font-size: small; ">usia kandungan 18 minggu sehingga 35 minggu dan sekiranya anda<o:p></o:p></span></div><div class="MsoNormal" style="margin-top: 0in; margin-right: 0in; margin-bottom: 10pt; margin-left: 0in; line-height: 17px; font-size: 11pt; font-family: Arial, Helvetica, sans-serif; "><span style="font-size: small; "><span style="line-height: 14px; ">berumur di antara 18 - 45 tahun hari lahir berikut.</span></span></div><div class="MsoNormal" style="margin-top: 0in; margin-right: 0in; margin-bottom: 10pt; margin-left: 0in; line-height: 17px; font-size: 11pt; font-family: Arial, Helvetica, sans-serif; "><br /></div><div class="MsoNormal" style="margin-top: 0in; margin-right: 0in; margin-bottom: 10pt; margin-left: 0in; line-height: 17px; font-size: 11pt; font-family: Arial, Helvetica, sans-serif; "><br /></div><div class="separator" style="clear: both; font-family: Arial, Helvetica, sans-serif; text-align: center; "><span style="font-size: small; "><span style="line-height: 14px; ">PruMy Child menolong anak anda di semua peringkat hidup</span><b><span style="color: rgb(238, 28, 46); "> </span></b></span></div><div class="separator" style="clear: both; font-family: Arial, Helvetica, sans-serif; text-align: center; "><span style="font-size: small; "><b><span style="color: rgb(238, 28, 46); "> </span></b></span><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgUuW6HNdJ1-mmBOuytSHH_XnDGaS7sBGZefD1EO-nY3qVMx1LMTt4qOZ3c637_tzEKCucw7DwzCuHt64e2fSm6568AZP-ul57Tk-3jfI7i8Xj88p-lWnHDw6DRJwxPdbaEbNnMarszK4E/s1600/babyStages.jpg" imageanchor="1" style="font-weight: bold; text-decoration: none; color: rgb(102, 0, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; margin-left: 1em; margin-right: 1em; background-position: initial initial; background-repeat: initial initial; "><img border="0" height="125" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgUuW6HNdJ1-mmBOuytSHH_XnDGaS7sBGZefD1EO-nY3qVMx1LMTt4qOZ3c637_tzEKCucw7DwzCuHt64e2fSm6568AZP-ul57Tk-3jfI7i8Xj88p-lWnHDw6DRJwxPdbaEbNnMarszK4E/s400/babyStages.jpg" width="400" style="border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; display: block; " /></a></div><div class="separator" style="clear: both; font-family: Arial, Helvetica, sans-serif; text-align: center; "></div><div class="separator" style="clear: both; font-family: Arial, Helvetica, sans-serif; text-align: center; "></div><div class="separator" style="clear: both; font-family: Arial, Helvetica, sans-serif; text-align: center; "></div><i><br /></i>> PERLINDUNGAN LENGKAP untuk setiap peringkat hidup anak<br />anda… SEBELUM LAHIR LAGI<br /><br />> PENINGKATAN pada pelan anak anda dengan pelbagai<br />perlindungan BARU & DIPERLUAS*<br /><br />> PERLINDUNGAN TAMBAHAN untuk IBU BAPA*<br /><br />> Menyemai benih ke arah DANA PENDIDIKAN YANG TERJAMIN<br />untuk anak anda<br /><div class="separator" style="clear: both; font-family: Arial, Helvetica, sans-serif; text-align: left; "><br /></div>Juga Pelan Pertama Di Malaysia yang melindungi Komplikasi Kehamilan<br /><b><br /></b></span><span class="Apple-style-span" style="color: rgb(85, 85, 85); font-family: tahoma, 'Trebuchet MS', lucida, helvetica, sans-serif; font-size: 13px; line-height: 18px; ">Boleh hubungi saya untuk dapatkan maklumat lanjut:<br /><br /><b><span style="font-size: large; ">2. Kenapa patut beli PRUmy Child ?</span></b><br /><div class="separator" style="clear: both; text-align: center; "><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiuccHNuguPbQJIQlnwDzPjV8xipZ1s0EIj2XnqlQ3UYeNtEsd0cAGtGBPVtt3pHkw6SY_RfDhQ9eX9dLlxrRrqSQHpfbqQlwas41Smc28fSgadn8-xIHESuwuTEo0UVGcvudtKFgMMtMM/s1600/Womb+-+Protected+before+birth.jpg" imageanchor="1" style="font-weight: bold; text-decoration: none; color: rgb(102, 0, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; clear: left; float: left; margin-bottom: 1em; margin-right: 1em; background-position: initial initial; background-repeat: initial initial; "><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiuccHNuguPbQJIQlnwDzPjV8xipZ1s0EIj2XnqlQ3UYeNtEsd0cAGtGBPVtt3pHkw6SY_RfDhQ9eX9dLlxrRrqSQHpfbqQlwas41Smc28fSgadn8-xIHESuwuTEo0UVGcvudtKFgMMtMM/s320/Womb+-+Protected+before+birth.jpg" style="border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; display: block; " /></a></div><br />Komplikasi Kehamilan semakin meningkat, dijangkakan 1 dari 2 wanita akan mengalami masalah bersalin<i> (Sumber: Kementerian Kesihatan, Malaysia.) </i><br /><br />Didapati juga, 18.5% anak yang dilahirkan mengalami inciden Penyakit congenital .<br /><br />Prudential kini menawarkan PRUmy child, pelan pertama seumpamanya yang menawarkan perlindungan dalam tempoh penting kehamilan dan semasa bayi, berbanding dengan kebanyakan pelan konvensional yang tidak menyediakan sebarang perlindungan untuk anak semasa peringkat awal bayi.<br /><br />PruMy Child juga memberikan perlindungan kepada ibu / ayah anak. Sekiranya kalau apa terjadi kepada ibubapa kita akan menjamin perbelanjaan pendidikan anak anda.<br /><b><br /></b><br /><b><span style="font-size: large; ">3. Apa Manfaat Dalam PRUmy child ?</span></b><br /><div class="separator" style="clear: both; text-align: center; "><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiAMnlRTPR8N3_YS3AK_EcJev7Z5DhsZL1aUxhL7QPhwPfGVIUbR5DGYrFAV7I4WaNSdcuyERbo5t4ZsdUow6-7sRkhXJ_P9ni-56kCd-WzOnjWtBa60mcS9tvMpYoOixnEsBxrbVrOAdo/s1600/Benefits.jpg" imageanchor="1" style="font-weight: bold; text-decoration: none; color: rgb(102, 0, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; margin-left: 1em; margin-right: 1em; background-position: initial initial; background-repeat: initial initial; "><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiAMnlRTPR8N3_YS3AK_EcJev7Z5DhsZL1aUxhL7QPhwPfGVIUbR5DGYrFAV7I4WaNSdcuyERbo5t4ZsdUow6-7sRkhXJ_P9ni-56kCd-WzOnjWtBa60mcS9tvMpYoOixnEsBxrbVrOAdo/s320/Benefits.jpg" style="border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; display: block; " /></a></div><div style="text-align: center; "><br /></div> PRUmy child memberikan anda kawalan dan kefleksibelan untuk anak anda<br /><br />Antara manfaat yang boleh disertakan dalam PruMy Child adalah :-<br /><br />• Kad Perubatan Medikal – membayar bil-bil hospital (swasta dan kerajaan)<br />• Elaun Hospital – membayar kamu elaun hospital untuk setiap hari anak dalam hospital<br />• Perlindungan Kemalangan – membayar kos pesakit luar jika kemalangan berlaku. Membayar pampasan jika berlaku kemalangan yang menyebababkan kematian atau kecacatan<br />• Perlindungan Penyakit Kritikal – membayar duit jika anak disahkan menghidap penyakit kritikal<br />• Khairat Kematian<br />• Perlindungan Pembayar- Membayar pelan anda sekiranya pembayar polisi mengalami kematian , TPD sebelum umur 70 tahun atau penyakit kritikal.<br />• Pelaburan Akaun Pendidikan – simpanan untuk pendidikan anak boleh dikeluarkan bila-bila masa <br /><br /><b>Emel kita kat <a href="mailto:info@prumychild.com" style="font-weight: bold; text-decoration: none; color: red; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; background-position: initial initial; background-repeat: initial initial; ">info@prumychild.com</a> untuk dapat quotation percuma. </b><br /><br /><b><span style="font-size: large; ">4. Siapa yang boleh membeli pelan ini ?</span></b><br /><div class="separator" style="clear: both; text-align: center; "><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhXaj5WARpRQ9Qk5_cmJeuy7Zk0sh7fMbgv14kCUQyLnNIWgf17vYNHf-sXEVZDrwVlem1HZ92xbKIXqDkUvnCYhgydPm2OoUnU2ewqWxZRkyrnuHAOZN3YXQVmcQktoHug1ejJCbbGvco/s1600/Brochure.jpg" imageanchor="1" style="font-weight: bold; text-decoration: none; color: rgb(102, 0, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; clear: left; float: left; margin-bottom: 1em; margin-right: 1em; background-position: initial initial; background-repeat: initial initial; "><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhXaj5WARpRQ9Qk5_cmJeuy7Zk0sh7fMbgv14kCUQyLnNIWgf17vYNHf-sXEVZDrwVlem1HZ92xbKIXqDkUvnCYhgydPm2OoUnU2ewqWxZRkyrnuHAOZN3YXQVmcQktoHug1ejJCbbGvco/s320/Brochure.jpg" width="235" style="border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; display: block; " /></a></div><br />Anda boleh membeli pelan ini untuk anak anda yang belum lahir seawal usia kandungan 18 minggu sehingga 35 minggu dan sekiranya anda berumur di antara 18 - 45 tahun hari lahir berikut.<br /><br /><br /></span><div></div><div><span class="Apple-style-span" style="color: rgb(85, 85, 85); font-family: tahoma, 'Trebuchet MS', lucida, helvetica, sans-serif; font-size: 13px; line-height: 18px; "><br /></span></div><div><span class="Apple-style-span" style="color: rgb(85, 85, 85); font-family: tahoma, 'Trebuchet MS', lucida, helvetica, sans-serif; font-size: 13px; line-height: 18px; "><br /></span></div><div><span class="Apple-style-span" style="color: rgb(85, 85, 85); font-family: tahoma, 'Trebuchet MS', lucida, helvetica, sans-serif; font-size: 13px; line-height: 18px; "><br /></span></div><div style="text-align: center;"><span class="Apple-style-span" style="color: rgb(85, 85, 85); font-family: tahoma, 'Trebuchet MS', lucida, helvetica, sans-serif; font-size: 13px; line-height: 18px; "><b>Boleh hubungi saya JAZIMAH 0126696054 untuk dapatkan maklumat terperinci bagi penyediaa simpanan yang terbaik untuk kelahiran anak yang bakal dilahirkan.</b></span></div>Jazimahhttp://www.blogger.com/profile/10905162934729122926noreply@blogger.com0tag:blogger.com,1999:blog-8442468303599868515.post-44284911702103626592011-06-19T04:39:00.000-07:002011-06-19T04:43:20.451-07:00BATU KARANG<span class="Apple-style-span" ><span class="Apple-style-span" style="font-size: 12px; line-height: 18px;">Zaman berubah, tetapi ada nasihat orang tua dulu-dulu yang masih berguna. Antaranya ialah jangan suka menahan kencing kerana ia boleh menyebabkan batu karang. Walaupun tiada bukti saintifik yang boleh menyokongnya, ia tidak boleh dipandang ringan kerana nasihat ini banyak manfaatnya.</span></span><div class="fullpost" style="display: inline; "><br /><br /><span class="Apple-style-span" ><span class="Apple-style-span" style="font-size: 12px; line-height: 18px;">Secara logiknya, apabila seseorang cuba menahan kencing, dia akan kurang minum. Jika kurang minum, air kencing menjadi pekat dan mengandungi banyak bahan yang boleh membentuk </span></span><a href="http://info-kesihatan-anda.blogspot.com/search/label/Kidney%3A%20%3AStone" target="_blank" style="font-family: Tahoma; font-size: 12px; line-height: 18px; color: rgb(0, 81, 0); text-decoration: none; ">batu karang</a><span class="Apple-style-span" ><span class="Apple-style-span" style="font-size: 12px; line-height: 18px;">.</span></span><br /><br /></div><div class="fullpost" style="display: inline; "><span class="Apple-style-span" ><span class="Apple-style-span" style="font-size: 12px; line-height: 18px;"><br /></span></span><center style="color: rgb(51, 51, 51); font-family: Tahoma; line-height: 18px; "><span class="Apple-style-span" style="font-family: Georgia, serif; color: rgb(0, 0, 0); line-height: normal; "><span class="Apple-style-span" ><span class="Apple-style-span" style="font-size: 12px; line-height: 18px;">Masalah ini lebih ketara bagi penduduk negara yang panas seperti Malaysia, bekerja dalam persekitaran panas atau bersenam keterlaluan dan kurang minum menggantikan semula </span></span><a href="http://info-kesihatan-anda.blogspot.com/search/label/Water" target="_blank" style="font-family: Tahoma; font-size: 12px; line-height: 18px; color: rgb(0, 81, 0); text-decoration: none; ">air</a><span class="Apple-style-span" ><span class="Apple-style-span" style="font-size: 12px; line-height: 18px;"> yang hilang.</span></span></span></center><br /><b style="color: rgb(51, 51, 51); font-family: Tahoma; font-size: 12px; line-height: 18px; ">Buah Pinggang</b><br /><br /><span class="Apple-style-span" ><span class="Apple-style-span" style="font-size: 12px; line-height: 18px;">Batu karang terbentuk dalam </span></span><a href="http://info-kesihatan-anda.blogspot.com/search/label/Kidney" target="_blank" style="font-family: Tahoma; font-size: 12px; line-height: 18px; color: rgb(0, 81, 0); text-decoration: none; ">buah pinggang</a><span class="Apple-style-span" ><span class="Apple-style-span" style="font-size: 12px; line-height: 18px;">. Di buah pinggang inilah berlakunya proses penapisan darah bagi menyingkirkan bahan yang tidak diperlukan badan melalui air kencing dan najis.</span></span><br /><br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiTmRbzvB-CaNHuWK4OzIfcGL1klTKfsnNiE2rVB7d6LtqxVFXiyZPxM3txwn28l_20f3XgXP7xwBrxfGgUV2pAax3RT9N-wx5qK7A8-ba_SPFLyMr9zHgle1acfrjjtSeGVCTu8Zw0YRZf/s1600/kidney.jpg" style="font-family: Tahoma; font-size: 12px; line-height: 18px; color: rgb(0, 81, 0); text-decoration: none; "><img src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiTmRbzvB-CaNHuWK4OzIfcGL1klTKfsnNiE2rVB7d6LtqxVFXiyZPxM3txwn28l_20f3XgXP7xwBrxfGgUV2pAax3RT9N-wx5qK7A8-ba_SPFLyMr9zHgle1acfrjjtSeGVCTu8Zw0YRZf/s400/kidney.jpg" border="0" alt="" id="BLOGGER_PHOTO_ID_5476001623576688450" style="margin-top: 0px; margin-right: auto; margin-bottom: 10px; margin-left: auto; display: block; text-align: center; cursor: pointer; width: 400px; height: 320px; " /></a><br /><span class="Apple-style-span" ><span class="Apple-style-span" style="font-size: 12px; line-height: 18px;">Daripada buah pinggang, air kencing dipindahkan ke pundi kencing melalui saluran ureter. Di sinilah air kencing disimpan sehingga ia dibuang daripada badan. Batu karang terbentuk apabila air kencing mengandungi banyak bahan, terutama kalsium, oksalat, asid urik dan sistein atau kekurangan bahan yang bertugas membantu mencegah pembentukan kristal seperti sitrat dan magnesium.</span></span><br /><br /><span class="Apple-style-span" ><span class="Apple-style-span" style="font-size: 12px; line-height: 18px;">Kehadiran batu karang boleh menjadi petanda buah pinggang mula mengalami kerosakan. Pesakit perlu mendapatkan rawatan segera supaya kerosakan buah pinggang dapat diperlahankan dan disusuli dengan penjagaan pemakanan serta mula bersenam bagi mengelakkan pembentukan batu karang berulang.</span></span><br /><br /><a href="http://1.bp.blogspot.com/_gQbLhYQDz7U/S_6k98qpUFI/AAAAAAAACns/uKPU4aaOLrg/s1600/kidney+stone+3.jpg" style="font-family: Tahoma; font-size: 12px; line-height: 18px; color: rgb(0, 81, 0); text-decoration: none; "><img src="http://1.bp.blogspot.com/_gQbLhYQDz7U/S_6k98qpUFI/AAAAAAAACns/uKPU4aaOLrg/s400/kidney+stone+3.jpg" border="0" alt="" id="BLOGGER_PHOTO_ID_5475995581093072978" style="margin-top: 0px; margin-right: auto; margin-bottom: 10px; margin-left: auto; display: block; text-align: center; cursor: pointer; width: 275px; height: 207px; " /></a><br /><b style="color: rgb(51, 51, 51); font-family: Tahoma; font-size: 12px; line-height: 18px; ">Sakit Pada Tepi Perut</b><br /><br /><span class="Apple-style-span" ><span class="Apple-style-span" style="font-size: 12px; line-height: 18px;">Biasanya batu karang menyebabkan rasa yang sangat sakit pada bahagian tepi</span></span><a href="http://info-kesihatan-anda.blogspot.com/search/label/Stomach" target="_blank" style="font-family: Tahoma; font-size: 12px; line-height: 18px; color: rgb(0, 81, 0); text-decoration: none; ">perut</a><span class="Apple-style-span" ><span class="Apple-style-span" style="font-size: 12px; line-height: 18px;">. Bagaimanapun, ia tidak berlaku pada semua orang. Ada juga pesakit batu karang yang tidak mengalami tanda dan masalah mereka dikesan secara tidak sengaja iaitu apabila menjalani pemeriksaan kesihatan bagi tujuan lain.</span></span><br /><br /><span class="Apple-style-span" ><span class="Apple-style-span" style="font-size: 12px; line-height: 18px;">Banyak punca boleh menyebabkan pembentukan batu karang, tetapi faktor utamanya ialah tabiat pemakanan dan kurang minum air. Batu karang biasanya terbentuk apabila air kencing menjadi terlalu pekat.</span></span><br /><br /><span class="Apple-style-span" ><span class="Apple-style-span" style="font-size: 12px; line-height: 18px;">Ini menyebabkan mineral dalam air kencing termendak dan mula membentuk kristal. Lama kelamaan, kristal ini bergabung dan membentuk seketul batu yang keras.</span></span><br /><br /><span class="Apple-style-span" ><span class="Apple-style-span" style="font-size: 12px; line-height: 18px;">Batu karang yang kecil boleh masuk ke pundi kencing tanpa mengakibatkan kerosakan. Pergerakan batu karang ini menyebabkan kesakitan pada bahagian belakang atau sisi di bawah </span></span><a href="http://info-kesihatan-anda.blogspot.com/search/label/Bone" target="_blank" style="font-family: Tahoma; font-size: 12px; line-height: 18px; color: rgb(0, 81, 0); text-decoration: none; ">tulang</a><span class="Apple-style-span" ><span class="Apple-style-span" style="font-size: 12px; line-height: 18px;"> rusuk. Kesakitan akibat batu karang lebih memuncak apabila batu ini pecah dan terhenti bergerak.</span></span><br /><br /><span class="Apple-style-span" ><span class="Apple-style-span" style="font-size: 12px; line-height: 18px;">Banyak faktor boleh mempengaruhi perubahan air kencing kita seperti keturunan, pemakanan, ubat, cuaca, gaya hidup dan masalah kesihatan. Semuanya memberi sumbangan tertentu kepada pembentukan batu karang.</span></span><br /><br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjzjeJljwmJ5cq72vzf0sp5CFTM5pj660UH2gVoYQu-TrqG_Js96X0ksc1O2la5_TGMJdZBdTUZo3wsHvelulJN3Iyqcvl0De-GcVdpbYpfrzzmApnX92oaMjVWg03lyJNhaV9T4zRLM8mi/s1600/kidney+stone+surgery.jpg" style="font-family: Tahoma; font-size: 12px; line-height: 18px; color: rgb(0, 81, 0); text-decoration: none; "><img src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjzjeJljwmJ5cq72vzf0sp5CFTM5pj660UH2gVoYQu-TrqG_Js96X0ksc1O2la5_TGMJdZBdTUZo3wsHvelulJN3Iyqcvl0De-GcVdpbYpfrzzmApnX92oaMjVWg03lyJNhaV9T4zRLM8mi/s400/kidney+stone+surgery.jpg" border="0" alt="" id="BLOGGER_PHOTO_ID_5475996729243986818" style="margin-top: 0px; margin-right: auto; margin-bottom: 10px; margin-left: auto; display: block; text-align: center; cursor: pointer; width: 267px; height: 400px; " /></a><br /><b style="color: rgb(51, 51, 51); font-family: Tahoma; font-size: 12px; line-height: 18px; ">Faktor Risiko</b><br /><br /><span class="Apple-style-span" ><span class="Apple-style-span" style="font-size: 12px; line-height: 18px;">Banyak faktor boleh menyumbang kepada pembentukan batu karang, antaranya :</span></span><br /><br /><span class="Apple-style-span" ><span class="Apple-style-span" style="font-size: 12px; line-height: 18px;">* Kurang air — Jika tidak cukup minum, terutama air masak, air kencing menjadi lebih pekat. Ini sebabnya individu yang kurang minum air lebih mudah mengalami masalah batu karang.</span></span><br /><br /><span class="Apple-style-span" ><span class="Apple-style-span" style="font-size: 12px; line-height: 18px;">* Sejarah keluarga atau sendiri — Masalah batu karang juga boleh disebabkan oleh faktor keturunan. Orang yang ada sejarah keluarga mempunyai batu karang berisiko mengalami masalah sama. Malah, individu yang pernah mendapat batu karang juga perlu lebih berhati-hati kerana masalah ini boleh berulang.</span></span><br /><br /><span class="Apple-style-span" ><span class="Apple-style-span" style="font-size: 12px; line-height: 18px;">* Umur — kebanyakan kes berlaku di kalangan umur 20 hingga 70 tahun.</span></span><br /><br /><span class="Apple-style-span" ><span class="Apple-style-span" style="font-size: 12px; line-height: 18px;">* Jantina — Lelaki lebih mudah mengalami masalah batu karang berbanding wanita.</span></span><br /><br /><span class="Apple-style-span" ><span class="Apple-style-span" style="font-size: 12px; line-height: 18px;">* Penyakit tertentu — Penyakit yang diwarisi seperti sistinuria (masalah penyerapan dan metabolisme asid amino menyebabkan asid amino sisteina terkumpul dalam darah dan membentuk batu karang). Bahkan, individu yang ada penyakit </span></span><a href="http://info-kesihatan-anda.blogspot.com/search/label/Diabetes" target="_blank" style="font-family: Tahoma; font-size: 12px; line-height: 18px; color: rgb(0, 81, 0); text-decoration: none; ">kencing manis</a><span class="Apple-style-span" ><span class="Apple-style-span" style="font-size: 12px; line-height: 18px;"> dan </span></span><a href="http://info-kesihatan-anda.blogspot.com/search/label/Blood%20Pressure" target="_blank" style="font-family: Tahoma; font-size: 12px; line-height: 18px; color: rgb(0, 81, 0); text-decoration: none; ">tekanan darah tinggi</a><span class="Apple-style-span" ><span class="Apple-style-span" style="font-size: 12px; line-height: 18px;"> juga berisiko mengalami batu karang. Selain itu, individu yang mengalami masalah hiperurisemia (kepekatan asid urik yang tinggi dalam darah) juga dinasihatkan lebih peka menjaga kesihatan.</span></span><br /><br /><span class="Apple-style-span" ><span class="Apple-style-span" style="font-size: 12px; line-height: 18px;">* Kesan sampingan ubat — Sesetengah ubat, contohnya ubat diuretik, boleh meningkatkan risiko pembentukan batu karang dalam keadaan tertentu.</span></span><br /><br /><span class="Apple-style-span" ><span class="Apple-style-span" style="font-size: 12px; line-height: 18px;">* Pemakanan — Pemakanan yang tinggi kandungan protein purin dan asid urik seperti organ dalaman (</span></span><a href="http://info-kesihatan-anda.blogspot.com/search/label/Liver" target="_blank" style="font-family: Tahoma; font-size: 12px; line-height: 18px; color: rgb(0, 81, 0); text-decoration: none; ">hati</a><span class="Apple-style-span" ><span class="Apple-style-span" style="font-size: 12px; line-height: 18px;">, </span></span><a href="http://info-kesihatan-anda.blogspot.com/search/label/Heart" target="_blank" style="font-family: Tahoma; font-size: 12px; line-height: 18px; color: rgb(0, 81, 0); text-decoration: none; ">jantung</a><span class="Apple-style-span" ><span class="Apple-style-span" style="font-size: 12px; line-height: 18px;">, limpa), daging merah, makanan laut bercangkerang (kerang, tiram) dan </span></span><a href="http://info-kesihatan-anda.blogspot.com/search/label/Alcohol" target="_blank" style="font-family: Tahoma; font-size: 12px; line-height: 18px; color: rgb(0, 81, 0); text-decoration: none; ">alkohol</a><span class="Apple-style-span" ><span class="Apple-style-span" style="font-size: 12px; line-height: 18px;"> boleh meninggikan risiko mendapat batu karang. Pada masa sama, diet kurang serat (buah-buahan, sayur-sayuran dan bijirin) menyumbang kepada masalah ini.</span></span><br /><br /><span class="Apple-style-span" ><span class="Apple-style-span" style="font-size: 12px; line-height: 18px;">* Kurang bergerak — Individu yang kurang bergerak, jarang bersenam atau lama terlantar lebih berisiko tinggi. Ini kerana aktiviti fizikal yang terhad menyebabkan tulang mengeluarkan lebih kalsium ke dalam </span></span><a href="http://info-kesihatan-anda.blogspot.com/search/label/Blood" target="_blank" style="font-family: Tahoma; font-size: 12px; line-height: 18px; color: rgb(0, 81, 0); text-decoration: none; ">darah</a><span class="Apple-style-span" ><span class="Apple-style-span" style="font-size: 12px; line-height: 18px;">.</span></span><br /><br /><a href="http://1.bp.blogspot.com/_gQbLhYQDz7U/S_6mBF9QAkI/AAAAAAAACn8/p3wI2XnYNUI/s1600/kidney+stone+x-ray.gif" style="font-family: Tahoma; font-size: 12px; line-height: 18px; color: rgb(0, 81, 0); text-decoration: none; "><img src="http://1.bp.blogspot.com/_gQbLhYQDz7U/S_6mBF9QAkI/AAAAAAAACn8/p3wI2XnYNUI/s400/kidney+stone+x-ray.gif" border="0" alt="" id="BLOGGER_PHOTO_ID_5475996734638260802" style="margin-top: 0px; margin-right: auto; margin-bottom: 10px; margin-left: auto; display: block; text-align: center; cursor: pointer; width: 284px; height: 400px; " /></a><br /><b style="color: rgb(51, 51, 51); font-family: Tahoma; font-size: 12px; line-height: 18px; ">Pencegahan</b><br /><br /><span class="Apple-style-span" ><span class="Apple-style-span" style="font-size: 12px; line-height: 18px;">Masalah batu karang boleh dielakkan dengan mengamalkan pemakanan sihat dan minum banyak air. Pesakit yang pernah mengalami masalah ini dinasihatkan supaya mengurangkan pengambilan makanan yang kaya asid urik atau purin.</span></span><br /><br /><span class="Apple-style-span" ><span class="Apple-style-span" style="font-size: 12px; line-height: 18px;">Batu karang adalah masalah kesihatan yang boleh dicegah dengan melakukan sedikit perubahan gaya hidup. Selain itu setiap orang juga disaran menjalani 3 ujian mudah, iaitu ujian air kencing dan darah serta pemeriksaan tekanan darah bagi memastikan buah pinggang dalam keadaan normal.</span></span><br /><br /><span class="Apple-style-span" ><span class="Apple-style-span" style="font-size: 12px; line-height: 18px;">Ini kerana melalui tiga ujian berkenaan, perubahan fungsi atau kerosakan buah pinggang dapat dikesan pada peringkat awal dan boleh dirawat segera.</span></span><br /><br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgsCMyunVIS7S1zI4OFfCnOs79mLz9og86V3HfGNXTnrl0JRVMEBXc8RbJXrAOiiPLsc4JKWcrhc-J7J_8ZfrOrcHlhyQG4DOLNaFvHOkdbvxRSRub5PyiFXuJbtwYx_b9mU0QdMZNqxoI8/s1600/kidney+stone+2.jpg" style="font-family: Tahoma; font-size: 12px; line-height: 18px; color: rgb(0, 81, 0); text-decoration: none; "><img src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgsCMyunVIS7S1zI4OFfCnOs79mLz9og86V3HfGNXTnrl0JRVMEBXc8RbJXrAOiiPLsc4JKWcrhc-J7J_8ZfrOrcHlhyQG4DOLNaFvHOkdbvxRSRub5PyiFXuJbtwYx_b9mU0QdMZNqxoI8/s400/kidney+stone+2.jpg" border="0" alt="" id="BLOGGER_PHOTO_ID_5475994499731581618" style="margin-top: 0px; margin-right: auto; margin-bottom: 10px; margin-left: auto; display: block; text-align: center; cursor: pointer; width: 400px; height: 300px; " /></a><b style="color: rgb(51, 51, 51); font-family: Tahoma; font-size: 12px; line-height: 18px; ">Jenis</b><br /><br /><span class="Apple-style-span" ><span class="Apple-style-span" style="font-size: 12px; line-height: 18px;">Batu karang ada empat jenis yang ditentukan bahan atau puncanya iaitu:</span></span><br /><br /><span class="Apple-style-span" ><span class="Apple-style-span" style="font-size: 12px; line-height: 18px;"># Batu kalsium — Jenis paling lazim. Batu kalsium biasanya membabitkan 2 bahan, iaitu kalsium dan oksalat.</span></span><br /><br /><span class="Apple-style-span" ><span class="Apple-style-span" style="font-size: 12px; line-height: 18px;"># Batu </span></span><i style="color: rgb(51, 51, 51); font-family: Tahoma; font-size: 12px; line-height: 18px; ">struvite</i><span class="Apple-style-span" ><span class="Apple-style-span" style="font-size: 12px; line-height: 18px;"> — Berlaku lebih kerap pada wanita berbanding lelaki. Ia biasanya disebabkan jangkitan salur kencing kronik oleh bakteria yang menghasilkan enzim tertentu. Enzim ini meningkatkan kandungan ammonia dalam air kencing sehingga membentuk kristal struvite.</span></span><br /><br /><span class="Apple-style-span" ><span class="Apple-style-span" style="font-size: 12px; line-height: 18px;"># Batu asid urik — Batu ini terbentuk daripada asid urik, iaitu hasil sampingan daripada metabolisma protein.</span></span><br /><br /><span class="Apple-style-span" ><span class="Apple-style-span" style="font-size: 12px; line-height: 18px;"># Batu sistein — Pembentukan batu karang jenis ini jarang berlaku. Ia biasanya berlaku di kalangan individu yang ada masalah genetik yang menyebabkan buah pinggang menghasilkan berlebihan asid amino tertentu.</span></span><br /><br /><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi6ah2ULk40plDh-85ibjbU7NLWWFW1tioPXXnuCP1Pc58X1HokUfiw4_JLfxBr8pbO23-YssjZ_Ri0PdP2C-ZxqqXlaOHh1cR3WmUO6gsF34YOCc8O_Y5RLEKLNnV7A6pQlt87Lhdi59Pg/s1600/blood+urine.jpg" style="font-family: Tahoma; font-size: 12px; line-height: 18px; color: rgb(0, 81, 0); text-decoration: none; "><img src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi6ah2ULk40plDh-85ibjbU7NLWWFW1tioPXXnuCP1Pc58X1HokUfiw4_JLfxBr8pbO23-YssjZ_Ri0PdP2C-ZxqqXlaOHh1cR3WmUO6gsF34YOCc8O_Y5RLEKLNnV7A6pQlt87Lhdi59Pg/s400/blood+urine.jpg" border="0" alt="" id="BLOGGER_PHOTO_ID_5476001619392831218" style="margin-top: 0px; margin-right: auto; margin-bottom: 10px; margin-left: auto; display: block; text-align: center; cursor: pointer; width: 350px; height: 233px; " /></a><br /><b style="color: rgb(51, 51, 51); font-family: Tahoma; font-size: 12px; line-height: 18px; ">Gejala</b><br /><br /><span class="Apple-style-span" ><span class="Apple-style-span" style="font-size: 12px; line-height: 18px;">Sakit pada bahagian belakang badan dan sisi di bawah tulang rusuk. Bagaimanapun bukan semua kes mempunyai gejala, kecuali jika batu karang berkenaan besar sehingga menyekat saluran tertentu dan menyebabkan jangkitan. Rasa sakit ini datang dan pergi dalam masa antara 5 hingga 15 minit.</span></span><br /><br /><span class="Apple-style-span" ><span class="Apple-style-span" style="font-size: 12px; line-height: 18px;">* Apabila batu karang ini berpindah dari buah pinggang ke pundi kencing melalui tiub yang dipanggil ureter, pesakit mengalami rasa sakit pada abdomen bawah. Kesakitan ini terhenti apabila batu karang berhenti bergerak.</span></span><br /><br /><span class="Apple-style-span" ><span class="Apple-style-span" style="font-size: 12px; line-height: 18px;">* Air kencing berdarah.</span></span><br /><br /><span class="Apple-style-span" ><span class="Apple-style-span" style="font-size: 12px; line-height: 18px;">* Air kencing keruh dan berbau busuk.</span></span><br /><br /><span class="Apple-style-span" ><span class="Apple-style-span" style="font-size: 12px; line-height: 18px;">* Mual dan muntah.</span></span><br /><br /><span class="Apple-style-span" ><span class="Apple-style-span" style="font-size: 12px; line-height: 18px;">* Sentiasa terasa hendak kencing.</span></span><br /><br /><span class="Apple-style-span" ><span class="Apple-style-span" style="font-size: 12px; line-height: 18px;">* </span></span><a href="http://info-kesihatan-anda.blogspot.com/search/label/Fever" target="_blank" style="font-family: Tahoma; font-size: 12px; line-height: 18px; color: rgb(0, 81, 0); text-decoration: none; ">Demam</a><span class="Apple-style-span" ><span class="Apple-style-span" style="font-size: 12px; line-height: 18px;"> dan menggigil (jika ada jangkitan).</span></span><br /></div>Jazimahhttp://www.blogger.com/profile/10905162934729122926noreply@blogger.com0tag:blogger.com,1999:blog-8442468303599868515.post-24050004486984261982011-06-17T06:04:00.000-07:002011-06-17T06:10:37.749-07:001st achievement<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgQqH4Q7Ucgyy4_pFJzWweL3XlvLRC45DYwf6P0OOa8-6VP6qGLUiCmRtCW_z-Vhybxgw4GxNlj5Hnkn2JzzykMGpGzzEehZdCIFyqlBg2l2Z7PaQg5H64oGGOWQ6SsGVWwDOrOSNSS-reZ/s1600/45544_1371826021761_1415093258_30821000_2354856_n.jpg" onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}"><img style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 400px; height: 300px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgQqH4Q7Ucgyy4_pFJzWweL3XlvLRC45DYwf6P0OOa8-6VP6qGLUiCmRtCW_z-Vhybxgw4GxNlj5Hnkn2JzzykMGpGzzEehZdCIFyqlBg2l2Z7PaQg5H64oGGOWQ6SsGVWwDOrOSNSS-reZ/s400/45544_1371826021761_1415093258_30821000_2354856_n.jpg" border="0" alt="" id="BLOGGER_PHOTO_ID_5619174559130969122" /></a>Berbuka puasa bersama CEO Prudential Assurance (M)Berhad<br /><div style="text-align: center;"><br /></div>Jazimahhttp://www.blogger.com/profile/10905162934729122926noreply@blogger.com1tag:blogger.com,1999:blog-8442468303599868515.post-7896472328190189722011-06-16T09:33:00.001-07:002011-12-15T02:17:16.713-08:00Peranan Insuran Takaful<span class="Apple-style-span" style="font-size: 14px; line-height: 20px; "><div class="post-body entry-content" id="post-body-2214618986623092570" style="width: 518px; font-size: 14px; line-height: 1.5; position: relative; "><div class="separator" style="font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; clear: both; text-align: center; "><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgUhzeQ7OqWULZS4Tw_8p5qreNoBt9R5tKqwSkXwrcA7PrvhEUrXQp41iyno0-VoxZRz7axfHsaJ_0Pt1b5n_PfDxaZW5X2X7QN3AViEorIZavDmQEm7dvH64KyDCmsie8wMSB0-qaEOvg/s1600/TAKAFUL.jpg" imageanchor="1" style="text-decoration: none; color: rgb(76, 17, 48); margin-left: 1em; margin-right: 1em; "><img border="0" height="220" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgUhzeQ7OqWULZS4Tw_8p5qreNoBt9R5tKqwSkXwrcA7PrvhEUrXQp41iyno0-VoxZRz7axfHsaJ_0Pt1b5n_PfDxaZW5X2X7QN3AViEorIZavDmQEm7dvH64KyDCmsie8wMSB0-qaEOvg/s320/TAKAFUL.jpg" width="320" style="border-top-style: none; border-right-style: none; border-bottom-style: none; border-left-style: none; border-width: initial; border-color: initial; position: relative; padding-top: 8px; padding-right: 8px; padding-bottom: 8px; padding-left: 8px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: rgb(255, 255, 255); -webkit-box-shadow: rgba(0, 0, 0, 0.496094) 1px 1px 5px; box-shadow: rgba(0, 0, 0, 0.496094) 1px 1px 5px; background-position: initial initial; background-repeat: initial initial; " /></a></div><div style="color: rgb(51, 51, 51); font-family: 'lucida grande', tahoma, verdana, arial, sans-serif; font-size: 11px; line-height: 1.5em; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; "><strong><br /></strong></div><div style="color: rgb(51, 51, 51); font-family: 'lucida grande', tahoma, verdana, arial, sans-serif; font-size: 11px; line-height: 1.5em; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; "><strong><br /></strong></div><div style="font-size: 11px; line-height: 1.5em; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; "><span class="Apple-style-span"><strong>Sabda Rasulullah s.a.w.</strong> :</span></div><div style="font-size: 11px; line-height: 1.5em; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; "><span class="Apple-style-span">Maksudnya : “Bahawa engkau meninggalkan waris yang bebas daripada kemiskinan adalah lebih baik daripada meninggalkan mereka miskin meminta-minta sedekah daripada manusia”</span></div><div style="font-size: 11px; line-height: 1.5em; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; "><span class="Apple-style-span"><br /></span></div><div style="font-size: 11px; line-height: 1.5em; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; "><span class="Apple-style-span">Riwayat Ahmad</span></div><div style="font-size: 11px; line-height: 1.5em; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; "><span class="Apple-style-span"><br /></span></div><div style="font-size: 11px; line-height: 1.5em; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; "><span class="Apple-style-span">Cuba anda renungkan ayat di atas. adakah ia memberi sebarang kesan pada diri anda?.. <strong>Apakah yang anda tinggalkan untuk waris, anak dan isteri anda jika anda tiada lagi didunia ini</strong>. Andakah anda akan meniggalkan mereka dengan hutang2 anda?.</span></div><div style="font-size: 11px; line-height: 1.5em; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; "><span class="Apple-style-span"><br /></span></div><div style="font-size: 11px; line-height: 1.5em; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; "><span class="Apple-style-span">Disinilah perlunya <strong>Takaful</strong>. Dengan sumbangan bermula serendah RM 100, anda mampu menyediakan dana untuk anda dan waris anda jika terjadi musibah pada anda.</span></div><div style="font-size: 11px; line-height: 1.5em; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; "><span class="Apple-style-span"><br /></span></div><div style="font-size: 11px; line-height: 1.5em; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; "><span class="Apple-style-span">Ramai yg tak ambil Takaful ni kerana ada yg kata masuk Takaful ni rugi. Ada juga yg dah ambil Takaful tetapi tidak puas hati dgn polisi mereka dan merasakan rugi. Kenapa jadi begini?.. Jawapanya mudah sahaja!. <strong>Ini kerana jika anda merasakan mengambil Takaful itu rugi dan membazir adalah kerana Pelan atau polisi yg anda ambil atau dengar itu tidak menepati keperluan anda yg sebenar..</strong> Apa yg anda mahu bila ingin mengambil Takaful?. Takaful bukan hanya setakat perlindungan dan perubatan. Tetapi anda juga boleh membina aset di Takaful. </span></div><div style="font-size: 11px; line-height: 1.5em; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; "><span class="Apple-style-span"><br /></span></div><div style="font-size: 11px; line-height: 1.5em; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; "><span class="Apple-style-span">Kami di Prudential Takaful mempunyai pelbagai pelan yang dapat memenuhi segala keperluan dan kewangan anda.</span></div><div style="font-size: 11px; line-height: 1.5em; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; "><span class="Apple-style-span"><br /></span></div><div style="font-size: 11px; line-height: 1.5em; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; "><span class="Apple-style-span">Contoh pelan:-</span></div><div style="font-size: 11px; line-height: 1.5em; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; "><span class="Apple-style-span"><br /></span></div><div style="font-size: 11px; line-height: 1.5em; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; "><span class="Apple-style-span">1) PERLINDUNGAN- Mengutamakan bahagian perlindungan terhadap musibah spt penyakit kritikal, kemalangan, kos perubatan dan hilang upaya.</span></div><div style="font-size: 11px; line-height: 1.5em; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; "><span class="Apple-style-span"><br /></span></div><div style="font-size: 11px; line-height: 1.5em; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; "><span class="Apple-style-span">2) KEMATIAN (<strong>Warisan harta untuk waris anda</strong>)- Pampasan kematian yg tinggi jika anda meninggal dunia. Anda dapat mewariskan harta tunai yg tinggi pd waris anda. Dgn hanya <strong>RM200 sebulan</strong> anda dpt memberikan waris anda <strong>RM 500,000++</strong>. Dan dgn <strong>RM400 sebulan</strong> anda dpt memberikan waris anda <strong>RM 1,000,000++</strong>.</span></div><div style="font-size: 11px; line-height: 1.5em; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; "><span class="Apple-style-span"><br /></span></div><div style="font-size: 11px; line-height: 1.5em; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; "><span class="Apple-style-span">3) SIMPANAN/PELABURAN (<strong>Membina aset</strong>)- Mengutamakan pelaburan dan nilai tunai jangka panjang yang tinggi. Tujuan utama adalah untuk membina Aset tunai disamping mempunyai perlindungan terhadap musibah. Dgn kata lain, apa sahaja jadi pada anda, anda tetap dpat membina aset tunai anda itu. <strong>Contoh Anda inginkan aset tunai RM 100,000. Anda hanya simpan RM 5000 setahun selama 16 tahun. Kos anda hanyalah RM 80,000</strong>.</span></div><div style="font-size: 11px; line-height: 1.5em; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; "><span class="Apple-style-span"><br /></span></div><div style="font-size: 11px; line-height: 1.5em; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; "><span class="Apple-style-span">Selain pelan-pelan di atas, kami juga menyediakan pelan-pelan lain yang sesuai dengan anda dan keluarga anda. Anda beritahu kami apa keperluan anda dan kami sediakan pelan utk anda.<strong>Khidmat rundingan dan nasihat kami adalah PERCUMA.</strong> Temujanji di luar KL/Selangor boleh diuruskan..</span></div><div style="font-size: 11px; line-height: 1.5em; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; "><span class="Apple-style-span"><br /></span></div><div style="font-size: 11px; line-height: 1.5em; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; "><span class="Apple-style-span">Quotation percuma. Utk quotation sila nyatakan maklumat seperti di bawah. </span></div><div style="font-size: 11px; line-height: 1.5em; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; "><span class="Apple-style-span"><br /></span></div><div style="font-size: 11px; line-height: 1.5em; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; "><span class="Apple-style-span">Umur: </span></div><div style="font-size: 11px; line-height: 1.5em; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; "><span class="Apple-style-span">Jantina: </span></div><div style="font-size: 11px; line-height: 1.5em; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; "><span class="Apple-style-span">Pekerjaan: </span></div><div style="font-size: 11px; line-height: 1.5em; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; "><span class="Apple-style-span">merokok : Ya / Tidak </span></div><div style="font-size: 11px; line-height: 1.5em; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; "><span class="Apple-style-span">Budget: budget anda untuk sebulan</span></div><div style="font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; "><span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif; "><br /></span></div></div></span>Jazimahhttp://www.blogger.com/profile/10905162934729122926noreply@blogger.com0tag:blogger.com,1999:blog-8442468303599868515.post-73177104767570641762011-06-16T09:32:00.001-07:002011-06-17T02:02:47.446-07:00Barah payudara<span class="Apple-style-span"><div class="separator" style="font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 14px; line-height: 20px; clear: both; text-align: center; "><br /></div><span class="Apple-style-span" style="line-height: 20px; " ><span class="Apple-style-span" style="line-height: 14px; " >INFO</span><span class="Apple-style-span" style="font-size: 14px; line-height: 14px; "><br /></span><span class="Apple-style-span" style="font-size: 14px; line-height: 14px; "><br /></span></span></span><div><span class="Apple-style-span" style="font-size: 14px; line-height: 14px; "><span class="Apple-style-span" >Barah payudara</span></span></div><div><span class="Apple-style-span"><span class="Apple-style-span" style="font-size: 14px; " ><span class="Apple-style-span" style="line-height: 14px; ">Di Malaysia, dianggarkan 27 wanita dari setiap 100,000 penduduk mengalami kanser payudara berbanding 18 wanita dari setiap 100,000 penduduk mengalami kanser pangkal rahim (penyebab kedua kanser yang sering berlaku dikalangan wanita).</span><span class="Apple-style-span" style="line-height: 14px; "><br /></span><span class="Apple-style-span" style="line-height: 14px; "><br /></span><span class="Apple-style-span" style="line-height: 14px; "><span class="text_exposed_show" style="display: inline; ">Dalam setahun dianggarkan seramai 2,700 - 3,000 kes baru didiagnosis sebagai kanser payudara.<br /><br />Tanda-tanda barah payu dara<br /><br />* Ketulan yang tidak sakit di payudara atau ketiak<br />* Ruam yang berterusan di sekeliling puting<br />* Perdarahan atau lelehan luar biasa dari puting<br />* Perubahan pada kulit seperti bengkak dan menebal, berlubang, permukaan kulit berkedut dan puting tertarik ke dalam<br /><br />Tahap Barah<br /><br />Tahap satu - umumnya bermaksud ketulan barah saiznya kecil dan hanya tertumpu dalam organ yang terjejas dan belum merebak ke organ lain.<br /><br />Tahap dua - barah sudah mula merebak ke tisu berdekatan tetapi saiz tumor sudah mula membesar. Ada kala barah tahap dua juga bermaksud ia sudah merebak ke nodul limfa yang berdekatan dengan ketumbuhan itu.<br /><br />Tahap tiga - ketumbuhan mula membesar. Ia mula merebak ke kawasan tisu berdekatan dan sel barah sudah berada dalam limfa nodul.<br /><br />Tahap empat - barah sudah merebak ke bahagian organ lain.<br /></span></span><span class="Apple-style-span" style="line-height: 14px; ">sumber - Organisasi Penyelidikan Barah, United Kingdom</span></span><span class="Apple-style-span" style="font-size: 14px; font-family: 'lucida grande', tahoma, verdana, arial, sans-serif; line-height: 14px; ">.</span></span></div>Jazimahhttp://www.blogger.com/profile/10905162934729122926noreply@blogger.com0tag:blogger.com,1999:blog-8442468303599868515.post-70496191329070333752011-06-16T09:18:00.000-07:002011-06-16T09:19:44.360-07:00Haji Pasti Terlaksana Dengan PruBSN Ummah<span class="Apple-style-span" style="line-height: 18px; "><div class="separator" style="font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13px; clear: both; text-align: center; "><span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif; font-size: x-large; "><b>PruBSN Ummah</b></span></div><div class="separator" style="clear: both; color: rgb(65, 49, 30); font-family: 'Segoe UI', Arial, Verdana, Helvetica, sans-serif; font-size: 13px; text-align: center; "><br /></div><div class="separator" style="clear: both; color: rgb(65, 49, 30); font-family: 'Segoe UI', Arial, Verdana, Helvetica, sans-serif; font-size: 13px; text-align: center; "><br /></div><div class="separator" style="clear: both; color: rgb(65, 49, 30); font-family: 'Segoe UI', Arial, Verdana, Helvetica, sans-serif; font-size: 13px; text-align: center; "><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhEonoenUeyXi2rTOvas0SI6bvuYevtUw8uGWgOkFtaq0Pn2AAdXHH8v8Y3ztmUc5NuTrknKlXZ7r_idW-Rp1Vx6-ChwImKBJj55hAoyR7YPFz55Bd24hNXzWgpSZOJmhdYkO4LWJBY4QU/s1600/prubsnummah.jpg" imageanchor="1" style="text-decoration: none; color: rgb(76, 17, 48); margin-left: 1em; margin-right: 1em; "><img border="0" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhEonoenUeyXi2rTOvas0SI6bvuYevtUw8uGWgOkFtaq0Pn2AAdXHH8v8Y3ztmUc5NuTrknKlXZ7r_idW-Rp1Vx6-ChwImKBJj55hAoyR7YPFz55Bd24hNXzWgpSZOJmhdYkO4LWJBY4QU/s640/prubsnummah.jpg" width="418" style="border-top-style: none; border-right-style: none; border-bottom-style: none; border-left-style: none; border-width: initial; border-color: initial; position: relative; padding-top: 8px; padding-right: 8px; padding-bottom: 8px; padding-left: 8px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: rgb(255, 255, 255); -webkit-box-shadow: rgba(0, 0, 0, 0.496094) 1px 1px 5px; box-shadow: rgba(0, 0, 0, 0.496094) 1px 1px 5px; background-position: initial initial; background-repeat: initial initial; " /></a></div><div style="color: rgb(65, 49, 30); font-family: Arial, Verdana, sans-serif; font-size: 13px; text-align: left; "><span class="Apple-style-span" style="font-family: verdana, sans-serif; "><br /></span></div><div style="font-family: Arial, Verdana, sans-serif; font-size: 13px; text-align: left; "><span class="Apple-style-span" style="font-family: verdana, sans-serif; "><br /></span></div><div style="font-family: Arial, Verdana, sans-serif; font-size: 13px; text-align: left; "><span class="Apple-style-span" style="font-family: verdana, sans-serif; ">Suatu pelan yang di reka khusus bagi membantu kita di dalam menunaikan ibadah fardhu Haji dan Umrah. Pelan ini menggabungkan simpanan dan perlindungan yang memfokuskan kepada membantu kita untuk menunaikan kewajipan haji samada semasa masih hidup atau pun setelah meninggal dunia.</span></div><div style="text-align: left; "><div style="font-size: 13px; font-family: 'Segoe UI', Arial, Verdana, Helvetica, sans-serif; "><br /></div><div style="font-size: 13px; font-family: 'Segoe UI', Arial, Verdana, Helvetica, sans-serif; "><span style="font-family: Arial, Verdana, sans-serif; "><b>Apa yang PruBSN Ummah boleh tawarkan?</b></span></div><div style="font-size: 13px; font-family: 'Segoe UI', Arial, Verdana, Helvetica, sans-serif; "><br /></div><div style="font-size: 13px; font-family: 'Segoe UI', Arial, Verdana, Helvetica, sans-serif; "><span style="font-family: verdana, sans-serif; "><b>1. Manfaat perlindungan asas Takaful</b></span></div><ul style="font-size: 13px; padding-top: 0px; padding-right: 2.5em; padding-bottom: 0px; padding-left: 2.5em; margin-top: 0.5em; margin-right: 0px; margin-bottom: 0.5em; margin-left: 0px; line-height: 1.4; list-style-type: disc; list-style-position: initial; list-style-image: initial; font-family: Arial, Verdana, sans-serif; "><li style="padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; margin-top: 0px; margin-right: 0px; margin-bottom: 0.25em; margin-left: 0px; text-indent: 0px; border-top-style: none; border-top-width: initial; border-top-color: initial; border-right-style: none; border-bottom-style: none; border-left-style: none; border-width: initial; border-color: initial; ">Pelan ini menyediakan 3 perlindungan asas iaitu apabila berlaku :</li></ul><div style="font-size: 13px; font-family: Arial, Verdana, sans-serif; margin-left: 40px; text-align: left; "><ol style="list-style-type: decimal; "><li style="padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; margin-top: 0px; margin-right: 0px; margin-bottom: 0.25em; margin-left: 0px; text-indent: 0px; border-top-style: none; border-top-width: initial; border-top-color: initial; border-right-style: none; border-bottom-style: none; border-left-style: none; border-width: initial; border-color: initial; "><b>Kematian</b></li><li style="padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; margin-top: 0px; margin-right: 0px; margin-bottom: 0.25em; margin-left: 0px; text-indent: 0px; border-top-style: none; border-top-width: 1px; border-top-color: rgb(129, 129, 129); border-right-style: none; border-bottom-style: none; border-left-style: none; border-width: initial; border-color: initial; "><b>Cacat Kekal</b></li><li style="padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; margin-top: 0px; margin-right: 0px; margin-bottom: 0.25em; margin-left: 0px; text-indent: 0px; border-top-style: none; border-top-width: 1px; border-top-color: rgb(129, 129, 129); border-right-style: none; border-bottom-style: none; border-left-style: none; border-width: initial; border-color: initial; "><b>Penyakit Kritikal</b></li></ol></div><div style="font-size: 13px; color: rgb(65, 49, 30); font-family: 'Segoe UI', Arial, Verdana, Helvetica, sans-serif; "><br /></div><div style="font-size: 13px; color: rgb(65, 49, 30); font-family: verdana, sans-serif; text-align: center; "><span class="Apple-style-span" style="font-weight: bold; "><a href="http://www.flickr.com/photos/54013624@N07/5222410915/" title="Manfaat Takaful Ummah 2 by MD200001, on Flickr" style="text-decoration: none; color: rgb(34, 85, 136); "><img alt="Manfaat Takaful Ummah 2" height="385" src="http://farm6.static.flickr.com/5005/5222410915_a927ce7f59.jpg" width="500" style="border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-width: initial; border-color: initial; position: relative; padding-top: 4px; padding-right: 4px; padding-bottom: 4px; padding-left: 4px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: rgb(255, 255, 255); -webkit-box-shadow: rgba(0, 0, 0, 0.496094) 1px 1px 5px; box-shadow: rgba(0, 0, 0, 0.496094) 1px 1px 5px; border-bottom-color: rgb(187, 187, 187); border-bottom-width: 1px; border-left-color: rgb(187, 187, 187); border-left-width: 1px; border-right-color: rgb(187, 187, 187); border-right-width: 1px; border-top-color: rgb(187, 187, 187); border-top-width: 1px; margin-bottom: 5px; margin-left: 0px; margin-right: 0px; margin-top: 0px; background-position: initial initial; background-repeat: initial initial; " /></a></span></div><div style="font-size: 13px; color: rgb(65, 49, 30); font-family: verdana, sans-serif; font-weight: bold; text-align: left; "><span style="font-family: verdana, sans-serif; "><br /><b><br /></b></span></div><div style="font-size: 13px; font-family: 'Segoe UI', Arial, Verdana, Helvetica, sans-serif; "><b><span class="Apple-style-span">2</span><span class="Apple-style-span">. Manfaat-manfaat Haji/Umrah</span></b><span class="Apple-style-span"><br /></span></div><ul style="font-size: 13px; padding-top: 0px; padding-right: 2.5em; padding-bottom: 0px; padding-left: 2.5em; margin-top: 0.5em; margin-right: 0px; margin-bottom: 0.5em; margin-left: 0px; line-height: 1.4; list-style-type: disc; list-style-position: initial; list-style-image: initial; font-family: 'Segoe UI', Arial, Verdana, Helvetica, sans-serif; "><li style="padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; margin-top: 0px; margin-right: 0px; margin-bottom: 0.25em; margin-left: 0px; text-indent: 0px; border-top-style: none; border-top-width: initial; border-top-color: initial; border-right-style: none; border-bottom-style: none; border-left-style: none; border-width: initial; border-color: initial; "><span class="Apple-style-span"><span class="Apple-style-span"><span class="Apple-style-span"><span class="Apple-style-span"><span class="Apple-style-span">Manfaat Takaful Berganda akan dibayar sekiranya anda meninggal dunia atau disahkan hilang upaya kekal dan menyeluruh semasa menunaikan Haji/Umrah.</span></span></span></span></span></li><li style="padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; margin-top: 0px; margin-right: 0px; margin-bottom: 0.25em; margin-left: 0px; text-indent: 0px; border-top-style: none; border-top-width: 1px; border-top-color: rgb(129, 129, 129); border-right-style: none; border-bottom-style: none; border-left-style: none; border-width: initial; border-color: initial; "><span class="Apple-style-span"><span class="Apple-style-span"></span><span class="Apple-style-span">PruBSN akan memastikan bahawa kewajipan Haji anda ditunaikan sekiranya anda meninggal dunia atau disahkan hilang upaya sebelum anda sempat menunaikan Haji menerusi Badal Haji (Upah orang untuk tunaikan haji).</span></span></li></ul><div style="font-size: 13px; font-family: 'Segoe UI', Arial, Verdana, Helvetica, sans-serif; "><span class="Apple-style-span"><span class="Apple-style-span">Pengeluaran simpanan bagi perjalanan anda untuk menunaikan Haji/Umrah.</span></span></div><div style="font-size: 13px; font-family: Arial, Verdana, sans-serif; text-align: left; "><span class="Apple-style-span" style="font-family: verdana, sans-serif; "><b><br /><br /></b></span><br /><div style="color: rgb(65, 49, 30); text-align: center; "><span class="Apple-style-span" style="font-family: verdana, sans-serif; "><b><span class="Apple-style-span" style="font-weight: normal; "><b><a href="http://www.flickr.com/photos/54013624@N07/5223051962/" title="Kaabah by MD200001, on Flickr" style="text-decoration: none; color: rgb(34, 85, 136); "><img alt="Kaabah" height="375" src="http://farm6.static.flickr.com/5045/5223051962_d95ba77aa8.jpg" width="500" style="border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-width: initial; border-color: initial; position: relative; padding-top: 4px; padding-right: 4px; padding-bottom: 4px; padding-left: 4px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: rgb(255, 255, 255); -webkit-box-shadow: rgba(0, 0, 0, 0.496094) 1px 1px 5px; box-shadow: rgba(0, 0, 0, 0.496094) 1px 1px 5px; border-bottom-color: rgb(187, 187, 187); border-bottom-width: 1px; border-left-color: rgb(187, 187, 187); border-left-width: 1px; border-right-color: rgb(187, 187, 187); border-right-width: 1px; border-top-color: rgb(187, 187, 187); border-top-width: 1px; margin-bottom: 5px; margin-left: 0px; margin-right: 0px; margin-top: 0px; background-position: initial initial; background-repeat: initial initial; " /></a></b></span></b></span></div><div style="color: rgb(65, 49, 30); "><span class="Apple-style-span" style="font-family: verdana, sans-serif; "><b><br /></b></span></div></div><div style="font-size: 13px; font-family: Arial, Verdana, sans-serif; text-align: left; "><span class="Apple-style-span" style="font-family: verdana, sans-serif; "><b>3. Jaminan kewangan sekiranya anda kehilangan nyawa atau hilang upaya kekal dan menyeluruh.</b></span></div><div style="font-size: 13px; font-family: 'Segoe UI', Arial, Verdana, Helvetica, sans-serif; text-align: left; "><ul style="padding-top: 0px; padding-right: 2.5em; padding-bottom: 0px; padding-left: 2.5em; margin-top: 0.5em; margin-right: 0px; margin-bottom: 0.5em; margin-left: 0px; line-height: 1.4; list-style-type: disc; list-style-position: initial; list-style-image: initial; "><li style="padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; margin-top: 0px; margin-right: 0px; margin-bottom: 0.25em; margin-left: 0px; text-indent: 0px; border-top-style: none; border-top-width: initial; border-top-color: initial; border-right-style: none; border-bottom-style: none; border-left-style: none; border-width: initial; border-color: initial; font-family: Arial, Verdana, sans-serif; "><span style="font-family: verdana, sans-serif; ">Menjamin keperluan kewangan masa depan untuk keluarga anda.</span></li><li style="padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; margin-top: 0px; margin-right: 0px; margin-bottom: 0.25em; margin-left: 0px; text-indent: 0px; border-top-style: none; border-top-width: 1px; border-top-color: rgb(129, 129, 129); border-right-style: none; border-bottom-style: none; border-left-style: none; border-width: initial; border-color: initial; font-family: Arial, Verdana, sans-serif; "><span style="font-family: verdana, sans-serif; "></span><span class="Apple-style-span" style="font-family: verdana, sans-serif; ">Memastikan tanggungjawab kewangan anda yang masih tertunggak dijelaskan.</span></li><li style="padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; margin-top: 0px; margin-right: 0px; margin-bottom: 0.25em; margin-left: 0px; text-indent: 0px; border-top-style: none; border-top-width: 1px; border-top-color: rgb(129, 129, 129); border-right-style: none; border-bottom-style: none; border-left-style: none; border-width: initial; border-color: initial; font-family: Arial, Verdana, sans-serif; "><span class="Apple-style-span" style="font-family: verdana, sans-serif; "></span><span class="Apple-style-span" style="font-family: verdana, sans-serif; ">Wang tunai tambahan bernilai RM2,000 untuk manfaat Khairat Kematian.</span></li></ul><div><span class="Apple-style-span"><br /></span></div><div style="display: block; text-align: center; "><div style="text-align: left; "><span style="font-family: verdana, sans-serif; "><b>4. Lindungi masa depan orang-orang yang anda sayangi</b></span><br /><ul style="padding-top: 0px; padding-right: 2.5em; padding-bottom: 0px; padding-left: 2.5em; margin-top: 0.5em; margin-right: 0px; margin-bottom: 0.5em; margin-left: 0px; line-height: 1.4; list-style-type: disc; list-style-position: initial; list-style-image: initial; font-family: Arial, Verdana, sans-serif; "><li style="padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; margin-top: 0px; margin-right: 0px; margin-bottom: 0.25em; margin-left: 0px; text-indent: 0px; border-top-style: none; border-top-width: initial; border-top-color: initial; border-right-style: none; border-bottom-style: none; border-left-style: none; border-width: initial; border-color: initial; "><span style="font-family: verdana, sans-serif; ">Wariskan harta anda kepada orang-orang yang anda sayangi menerusi penulisan wasiat Islam.</span></li><li style="padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; margin-top: 0px; margin-right: 0px; margin-bottom: 0.25em; margin-left: 0px; text-indent: 0px; border-top-style: none; border-top-width: 1px; border-top-color: rgb(129, 129, 129); border-right-style: none; border-bottom-style: none; border-left-style: none; border-width: initial; border-color: initial; "><span style="font-family: verdana, sans-serif; ">Menjamin waris anda bebas dari hutang piutang walaupun setelah ketiadaan anda.</span></li></ul><span style="font-family: verdana, sans-serif; "><b>5.Meningkatkan simpanan usia emas anda</b></span><br /><ul style="padding-top: 0px; padding-right: 2.5em; padding-bottom: 0px; padding-left: 2.5em; margin-top: 0.5em; margin-right: 0px; margin-bottom: 0.5em; margin-left: 0px; line-height: 1.4; list-style-type: disc; list-style-position: initial; list-style-image: initial; font-family: Arial, Verdana, sans-serif; "><li style="padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; margin-top: 0px; margin-right: 0px; margin-bottom: 0.25em; margin-left: 0px; text-indent: 0px; border-top-style: none; border-top-width: initial; border-top-color: initial; border-right-style: none; border-bottom-style: none; border-left-style: none; border-width: initial; border-color: initial; "><span style="font-family: verdana, sans-serif; ">Pengumpulan wang simpanan bagi menunaikan Haji,Umrah atau tujuan-tujuan lain.Walaupun setelah anda disahkan menghidap <span class="Apple-style-span">penyakit kritikal</span>, kami akan memastikan simpanan anda terus meningkat.</span></li></ul><span style="font-family: verdana, sans-serif; "><br /><b>6. Manfaat-manfaat penyakit kritikal</b></span><br /><ul style="padding-top: 0px; padding-right: 2.5em; padding-bottom: 0px; padding-left: 2.5em; margin-top: 0.5em; margin-right: 0px; margin-bottom: 0.5em; margin-left: 0px; line-height: 1.4; list-style-type: disc; list-style-position: initial; list-style-image: initial; font-family: Arial, Verdana, sans-serif; "><li style="padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; margin-top: 0px; margin-right: 0px; margin-bottom: 0.25em; margin-left: 0px; text-indent: 0px; border-top-style: none; border-top-width: initial; border-top-color: initial; border-right-style: none; border-bottom-style: none; border-left-style: none; border-width: initial; border-color: initial; "><span style="font-family: verdana, sans-serif; ">Melindungi anda apabila anda dikenalpasti menghidap penyakit yang boleh mengancam nyawa anda.Sila rujuk <span class="Apple-style-span">senarai penyakit-penyakit kritikal.</span></span></li></ul><span style="font-family: verdana, sans-serif; "><b>7. Bonus Loyalti.</b></span><br /><ul style="padding-top: 0px; padding-right: 2.5em; padding-bottom: 0px; padding-left: 2.5em; margin-top: 0.5em; margin-right: 0px; margin-bottom: 0.5em; margin-left: 0px; line-height: 1.4; list-style-type: disc; list-style-position: initial; list-style-image: initial; font-family: Arial, Verdana, sans-serif; "><li style="padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; margin-top: 0px; margin-right: 0px; margin-bottom: 0.25em; margin-left: 0px; text-indent: 0px; border-top-style: none; border-top-width: initial; border-top-color: initial; border-right-style: none; border-bottom-style: none; border-left-style: none; border-width: initial; border-color: initial; "><span style="font-family: verdana, sans-serif; ">Sememangnya berbaloi untuk menjadi pelanggan setia PruBSN.Anda akan diberi bonus loyalti sebagai Elaun Haji apabila anda menunaikan Haji sekiranya anda membayar sumbangan anda secara konsisten.<div style="display: inline; float: right; margin-bottom: 5px; margin-left: 10px; margin-right: 10px; margin-top: 5px; "></div></span></li></ul><ul style="padding-top: 0px; padding-right: 2.5em; padding-bottom: 0px; padding-left: 2.5em; margin-top: 0.5em; margin-right: 0px; margin-bottom: 0.5em; margin-left: 0px; line-height: 1.4; list-style-type: disc; list-style-position: initial; list-style-image: initial; font-family: Arial, Verdana, sans-serif; "><li style="padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; margin-top: 0px; margin-right: 0px; margin-bottom: 0.25em; margin-left: 0px; text-indent: 0px; border-top-style: none; border-top-width: initial; border-top-color: initial; border-right-style: none; border-bottom-style: none; border-left-style: none; border-width: initial; border-color: initial; "><span style="font-family: verdana, sans-serif; ">Pelan ini juga menyediakan bonus loyalti apabila anda terus membayar sumbangan anda sehingga penghujung tempoh takaful anda atau sekiranya anda meninggal dunia atau disahkan hilang upaya kekal dan menyeluruh,tertakluk kepada terma dan syarat.</span></li></ul></div></div><div style="color: rgb(65, 49, 30); "><span style="font-family: Arial, Verdana, sans-serif; "></span></div><div style="color: rgb(65, 49, 30); text-align: center; "><span style="font-family: Arial, Verdana, sans-serif; "><a href="http://www.flickr.com/photos/54013624@N07/5223007418/" title="Manfaat Takaful Ummah by MD200001, on Flickr" style="text-decoration: none; color: rgb(34, 85, 136); "><img alt="Manfaat Takaful Ummah" height="354" src="http://farm5.static.flickr.com/4083/5223007418_4579314498.jpg" width="500" style="border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-width: initial; border-color: initial; position: relative; padding-top: 4px; padding-right: 4px; padding-bottom: 4px; padding-left: 4px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: rgb(255, 255, 255); -webkit-box-shadow: rgba(0, 0, 0, 0.496094) 1px 1px 5px; box-shadow: rgba(0, 0, 0, 0.496094) 1px 1px 5px; border-bottom-color: rgb(187, 187, 187); border-bottom-width: 1px; border-left-color: rgb(187, 187, 187); border-left-width: 1px; border-right-color: rgb(187, 187, 187); border-right-width: 1px; border-top-color: rgb(187, 187, 187); border-top-width: 1px; margin-bottom: 5px; margin-left: 0px; margin-right: 0px; margin-top: 0px; background-position: initial initial; background-repeat: initial initial; " /></a></span></div></div><ul style="font-size: 13px; padding-top: 0px; padding-right: 2.5em; padding-bottom: 0px; padding-left: 2.5em; margin-top: 0.5em; margin-right: 0px; margin-bottom: 0.5em; margin-left: 0px; line-height: 1.4; list-style-type: disc; list-style-position: initial; list-style-image: initial; font-family: Arial, Verdana, sans-serif; "><li style="padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; margin-top: 0px; margin-right: 0px; margin-bottom: 0.25em; margin-left: 0px; text-indent: 0px; border-top-style: none; border-top-width: initial; border-top-color: initial; border-right-style: none; border-bottom-style: none; border-left-style: none; border-width: initial; border-color: initial; "><span style="font-family: verdana, sans-serif; "><span class="Apple-style-span" style="font-family: Arial, Verdana, sans-serif; font-size: 13px; "><b>Berapakah yang perlu saya sumbangkan untuk Plan ini?</b><br /><br />Sumbangan bulanan minimum adalah <b>RM50</b>. Walau bagaimanapun, sumbangan sebenar anda akan bergantung kepada berikut:<ul style="padding-top: 0px; padding-right: 2.5em; padding-bottom: 0px; padding-left: 2.5em; margin-top: 0.5em; margin-right: 0px; margin-bottom: 0.5em; margin-left: 0px; line-height: 1.4; list-style-type: disc; list-style-position: initial; list-style-image: initial; "><li style="padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; margin-top: 0px; margin-right: 0px; margin-bottom: 0.25em; margin-left: 0px; text-indent: 0px; border-top-style: none; border-top-width: initial; border-top-color: initial; border-right-style: none; border-bottom-style: none; border-left-style: none; border-width: initial; border-color: initial; ">Umur anda</li><li style="padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; margin-top: 0px; margin-right: 0px; margin-bottom: 0.25em; margin-left: 0px; text-indent: 0px; border-top-style: none; border-top-width: 1px; border-top-color: rgb(129, 129, 129); border-right-style: none; border-bottom-style: none; border-left-style: none; border-width: initial; border-color: initial; ">Jumlah dan terma perlindungan anda</li><li style="padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; margin-top: 0px; margin-right: 0px; margin-bottom: 0.25em; margin-left: 0px; text-indent: 0px; border-top-style: none; border-top-width: 1px; border-top-color: rgb(129, 129, 129); border-right-style: none; border-bottom-style: none; border-left-style: none; border-width: initial; border-color: initial; ">Status kesihatan anda</li><li style="padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; margin-top: 0px; margin-right: 0px; margin-bottom: 0.25em; margin-left: 0px; text-indent: 0px; border-top-style: none; border-top-width: 1px; border-top-color: rgb(129, 129, 129); border-right-style: none; border-bottom-style: none; border-left-style: none; border-width: initial; border-color: initial; ">Jantina anda</li><li style="padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; margin-top: 0px; margin-right: 0px; margin-bottom: 0.25em; margin-left: 0px; text-indent: 0px; border-top-style: none; border-top-width: 1px; border-top-color: rgb(129, 129, 129); border-right-style: none; border-bottom-style: none; border-left-style: none; border-width: initial; border-color: initial; ">Tahap risiko pekerjaan anda</li><li style="padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; margin-top: 0px; margin-right: 0px; margin-bottom: 0.25em; margin-left: 0px; text-indent: 0px; border-top-style: none; border-top-width: 1px; border-top-color: rgb(129, 129, 129); border-right-style: none; border-bottom-style: none; border-left-style: none; border-width: initial; border-color: initial; ">Kaedah pembayaran anda</li><li style="padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; margin-top: 0px; margin-right: 0px; margin-bottom: 0.25em; margin-left: 0px; text-indent: 0px; border-top-style: none; border-top-width: 1px; border-top-color: rgb(129, 129, 129); border-right-style: none; border-bottom-style: none; border-left-style: none; border-width: initial; border-color: initial; ">Kekerapan pembayaran anda sama ada setiap bulan, suku tahun, setengah tahun atau setiap tahun</li></ul><div><br /></div><b>Contoh caruman</b></span></span></li></ul><div style="font-size: 13px; color: rgb(65, 49, 30); font-family: 'Segoe UI', Arial, Verdana, Helvetica, sans-serif; text-align: center; "><a href="http://www.flickr.com/photos/54013624@N07/5222410937/" title="Contoh Illustrasi by MD200001, on Flickr" style="text-decoration: none; color: rgb(34, 85, 136); "><img alt="Contoh Illustrasi" height="301" src="http://farm6.static.flickr.com/5288/5222410937_71d6e8dc2a.jpg" width="500" style="border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-width: initial; border-color: initial; position: relative; padding-top: 4px; padding-right: 4px; padding-bottom: 4px; padding-left: 4px; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: rgb(255, 255, 255); -webkit-box-shadow: rgba(0, 0, 0, 0.496094) 1px 1px 5px; box-shadow: rgba(0, 0, 0, 0.496094) 1px 1px 5px; border-bottom-color: rgb(187, 187, 187); border-bottom-width: 1px; border-left-color: rgb(187, 187, 187); border-left-width: 1px; border-right-color: rgb(187, 187, 187); border-right-width: 1px; border-top-color: rgb(187, 187, 187); border-top-width: 1px; margin-bottom: 5px; margin-left: 0px; margin-right: 0px; margin-top: 0px; background-position: initial initial; background-repeat: initial initial; " /></a></div><div style="font-size: 13px; color: rgb(65, 49, 30); font-family: 'Segoe UI', Arial, Verdana, Helvetica, sans-serif; "><br /></div><div style="font-size: 13px; color: rgb(65, 49, 30); font-family: 'Segoe UI', Arial, Verdana, Helvetica, sans-serif; "><br /></div><div style="font-size: 13px; color: rgb(65, 49, 30); font-family: 'Segoe UI', Arial, Verdana, Helvetica, sans-serif; text-align: center; "><span class="Apple-style-span" style="color: black; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 14px; line-height: 20px; "></span></div><div style="font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13px; color: rgb(65, 49, 30); font-weight: normal; text-align: center; "><span class="Apple-style-span" style="line-height: 18px; "><b><b><span class="Apple-style-span"><b><span class="Apple-style-span" style="color: red; font-family: Georgia, 'Times New Roman', serif; ">berminat nak tahu lebih lanjut?</span></b></span></b></b></span></div><div style="font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13px; color: rgb(65, 49, 30); font-weight: normal; text-align: center; "><span class="Apple-style-span" style="line-height: 18px; "><b><b><b><span class="Apple-style-span" style="color: red; font-family: Georgia, 'Times New Roman', serif; ">sila hubungi<span class="Apple-style-span" style="font-size: xx-small; "> </span></span></b></b></b></span></div><div style="color: purple; text-align: center; "><span class="Apple-style-span" ><span class="Apple-style-span" style="font-weight: 900;"><i><br /></i></span></span></div><div style="font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; color: purple; text-align: center; "><span class="Apple-style-span" style="line-height: 18px; "><b><b><span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif; "><i><span class="Apple-style-span" >Jazimah</span></i></span></b></b></span></div><div style="font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; color: rgb(153, 153, 153); font-weight: normal; text-align: center; "><span class="Apple-style-span" style="line-height: 18px; "><b><b><span class="Apple-style-span"><b><span style="color: purple; "><span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif; "><span class="Apple-style-span" >012-6696054</span></span></span></b></span></b></b></span></div><div style="font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13px; color: rgb(153, 153, 153); font-weight: normal; text-align: center; "><span class="Apple-style-span" style="line-height: 18px; "><b><b><span class="Apple-style-span"><b><span style="color: purple; "><span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif; font-size: medium; "><br /></span></span></b></span></b></b></span></div><div style="font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13px; color: rgb(153, 153, 153); font-weight: normal; text-align: center; "><span class="Apple-style-span" style="line-height: 18px; "><b><b><span class="Apple-style-span"><b><span style="color: purple; "><span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif; font-size: medium; "><br /></span></span></b></span></b></b></span></div><div style="font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13px; "><span class="Apple-style-span" style="line-height: 18px; "><b><b><span class="Apple-style-span"><b><span style="color: purple; "><span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif; font-size: medium; "><br /></span></span></b></span></b></b></span></div></div></span>Jazimahhttp://www.blogger.com/profile/10905162934729122926noreply@blogger.com0