AIA Vitality

Sejak tahun 2016, AIA telah melancarkan AIA Vitality sebagai usaha untuk menggalakkan rakyat Malaysia mengubah cara hidup ke arah yang lebih sihat. Ia adalah syarikat insurans/takaful yang pertama di Malaysia yang melancarkan program seumpamanya. Secara ringkas, AIA Vitality adalah sebuah program kesihatan. Tujuan utamanya adalah untuk mengubah cara hidup dan pada masa yang sama, perserta dapat menikmati ganjaran-ganjaran yang disediakan.


Program ini terbahagi kepada tiga (3) bahagian iaitu; Kenali Tahap Kesihatan Anda, Tingkatkan Kesihatan Anda dan Nikmati Ganjaran. Semua ini dilakukan dengan menggunakan aplikasi telefon dan tracker seperti Fitbit atau Garmin. Apa yang dituntut adalah perubahan cara hidup dan bukannya untuk peserta menjadi seperti atlet profesional.

MRTT vs MLTT

Untuk kebanyakan orang, pembelian rumah mungkin adalah pembelian terbesar dan termahal semasa hayat mereka. Justeru, adalah munasabah jika pembelian ini dirancang dengan rapi sebelum keputusan dibuat. Salah satu faktor yang dipertimbangkan di dalam pembelian rumah adalah penyelesaian hutang sekiranya berlaku kematian atau hilang upaya kekal atau disahkan menghidap penyakit kritikal yang boleh menyebabkan peminjam hilang upaya untuk bekerja, mendapatkan gaji dan seterusnya membayar hutang pinjaman dengan bank.

Terdapat dua (2) jenis penyelesaian hutang pinjaman rumah di pasaran yang dikenali sebagai Mortgage Reducing Term Takaful (MRTA) dan Mortgage Level Term Takaful (MLTT). Antara perbezaan ketara MRTA dan MLTT adalah seperti berikut:


ItemMRTTMLTT
Jumlah PerlindunganMenurunKekal
KegunaanSatu Rumah SahajaBanyak Rumah
SumbanganMeningkat Ikut UmurDiikat Pada Usia Muda
Cara SumbanganLump SumAnsuran
Bila Rumah Dijual/Refinance
Perlindungan BerakhirPerlindungan Masih Ada
KategoriPerbelanjaanAset

Penentuan Premium

Kebanyakkan pertanyaan yang diunjurkan oleh prospek kepada saya adalah berapa harga atau berapa premium pelan takaful/insurans tersebut sebelum mengetahui apakah manfaat yang bakal diterima. Di sini saya cuba menjelaskan beberapa faktor yang mempengaruhi premium sesuatu pelan takaful/insurans:

1. Jenis Produk - Terdapat pelbagai jenis produk takaful/insurans yang ditawarkan oleh setiap syarikat takaful/insurans. Jenis produk yang ditawarkan memainkan peranan penting di dalam penentuan premium. Di antara jenis-jenis produk yang terdapat di pasaran adalah traditional plan, takafulink (TLP) atau investment-linked (ILP) dan endowment plan. Secara kasarnya, premium untuk traditional plan adalah lebih rendah daripada TLP/ILP dan premium untuk TLP/ILP adalah lebih rendah daripada endowment plan. Tetapi anda juga perlu sedar ciri-ciri setiap produk juga berbeza. Ciri-ciri yang lebih baik menyebabkan premium produk tersebut juga lebih tinggi. Pilih mengikut kesesuaian anda.

Padah Ambil Family Medical Card AIA

Terdapat beberapa orang prospek yang saya temui, menyuarakan kegusaran tentang kad perubatan keluarga atau family medical card AIA Public Takaful. Untuk pengetahuan umum, kad perubatan AIA di tawarkan di dalam pelbagai pakej. Diantaranya adalah pakej individu, suami dan isteri, bapa dan anak-anak, ibu dan anak-anak dan pakej keluarga (suami, isteri dan 4 orang anak). 

Diantara kegusaran mereka tentang pakej family medical card AIA adalah:

Ciri-Ciri Penting Kad Perubatan

Setelah beberapa lama berkecimpung di dalam industri Takaful ini, terdapat beberapa ciri penting kad perubatan (medical card) yang prospek perlu ketahui dan pertimbangkan sebelum membuat keputusan kad perubatan yang mana yang paling sesuai untuk mereka.

Ringkasan ini adalah hasil daripada kajian dan maklum balas daripada prospek-prospek yang saya telah temui sebelum ini. 

RM1 Million Policy Lasting 2 Generations



Often one would ask, how much do I have to insure my life for in case of death and permanent disability? There are varying answers to this and they all depend on your financial profile, debts, assets, liabilities etc. As a rule of thumb, have at least five (5) years of annual income replacement in case of death and permanent disability. The higher the better. Say you earn RM60,000 per year, then insure yourself for at least RM300,000. Theoretically it means your dependent will be able to sustain their lives for the next five (5) years in case you are gone. 

As a responsible parent, you would then ask, is five (5) years of income protection adequate for your loved ones? Would they be able to pick themselves up when you are gone? Should I provide more if I am able to do so?

Portfolio Withdrawal Condition - Why You Need Not Worry

Recently, I got a few queries regarding Portfolio Withdrawal Condition (PWC) term in AIA policies from potential clients. I know for sure this must be from agents of other companies trying to confuse the prospects because I received the same remarks when I decided to sign up with AIA. What this term means is basically the insurance or takaful company has the right to withdraw the policy you've taken if they decide not to further underwrite the product. Technically it does sound scary. Yes...

AIA and AIA Public Takaful earlier policies do have such clause. Here are a few reasons why I still decided to sign up with AIA despite existence of those terms:

A-Life Cancer360-i

One of the best cancer protection plan in town has been revealed by AIA Public Takaful. The plan name is A-Life Cancer360-i. The plan basically helps cancer patient to fight cancer during early stage of cancer, after diagnosis of cancer and during recovery period of cancer. 

At least 1 in 4 people is expected to get cancer by age 75. The earlier cancer is detected, the greater chances of survival. 



Estate Planning with Life Takaful

Estate Planning is especially important for main income earner. As a main income earner, we will want our liquid assets to be disbursed immediately to our loved ones in order for them to move on with their lives without much interruption after our passing. But is this the case with Islamic Estate Planning according to Faraidh in Malaysia?

I think there are sufficient evidences to show that wealth distribution according to the principles of Faraidh in Malaysia is time consuming. There are stories where distribution can be made as early as 6 months and as long as 10 years. That depends on the complexity of the assets and family structure. Can our family wait that long especially if our spouse is not working? Is there enough liquid assets for the family to live on before estate distribution is made?


Six Tips to Maximize Insurance Policy Value

Here are six (6) tips to get the best value out of your insurance policy.

1. Go for Early Critical Illness
Typically, a lot of policy comes with Critical Illness (CI) rider which will pay the sum assured if the insured is diagnosed with either of 36 CI. The sum assured is also shared with the policy’s basic sum assured which is the life coverage. With only some minimum premium increase, one can get Early Critical Illness (ECI) coverage which covers 95 CI. The chances of being able to claim under ECI rider is higher since it covers the CI from Low to High Severity. The sum assured is also not shared with the policy’s basic sum assured. To put things into perspective, difference in premium for the two (2) riders for a policy with coverage of Life=100k, CI@ECI=100k, PA=100k, Medical Card and Waiver for a 30 year old is only RM300 per year.

With such minimal extra premium, the chances of claiming is higher in case you are diagnosed with any CI.