{"id":520,"date":"2017-03-22T15:34:01","date_gmt":"2017-03-22T15:34:01","guid":{"rendered":"http:\/\/orangsabah.com\/takaful\/?p=520"},"modified":"2017-03-22T15:47:23","modified_gmt":"2017-03-22T15:47:23","slug":"macam-mana-mau-standby-rm360000-untuk-family","status":"publish","type":"post","link":"http:\/\/orangsabah.com\/takaful\/macam-mana-mau-standby-rm360000-untuk-family\/","title":{"rendered":"Macam mana mau standby RM360,000 untuk family"},"content":{"rendered":"
\"mother
Kasih sayang antara keluarga<\/figcaption><\/figure>\n

RM360,000<\/span>. Banyak bah tu. Mungkin kau pernah dingar orang cakap “Duit bukan segalanya tapi segalanya perlu duit”. Kalau pikir-pikir kan..macam betul juga oh. Macam mana pun kita ndak mau jadikan diri kita hamba duit, kita taatap perlu duit juga. Kalau kau tinggal di ulu kampung pun, mau bikin batas perlu cangkul. Kana beli juga. Made in China lagi. Mimang tidak bulih lari, perlu juga bah duit.<\/p>\n

Sekarang kita mau cakap pasal konteks kalau sudah berkeluarga, atau belum ada keluarga sendiri (kahwin dan ada anak) tapi pokoknya sayangkan keluarga lah. Kita pakai Sakinah Daniels sebagai contoh lah. Dia ni anak sulung, single lagi tapi menyara ibu bapa dia sama 3 lagi adik-beradik yang masih sekolah.<\/p>\n

 <\/p>\n

Nama: Sakinah Daniels<\/p>\n

Jantina: Perempuan<\/p>\n

Tarikh Lahir: 22 March 1988<\/p>\n

Status merokok: Tidak Menyigup<\/p>\n

Pekerjaan: Che’gu<\/p>\n

Gaji bersih: RM3,000<\/p><\/blockquote>\n

 <\/p>\n

Duit yang perlu ada<\/h2>\n

Kalau mau kira secara simple, kalau let’s say apa-apa terjadi sama Sakinah (contoh mateh kemalangan jalan raya) dalam bank akaun dia dia mesti ada at least RM360,000<\/span> supaya keluarga dia masih bulih teruskan kehidupan selama 10 tahun lagi seolah dia masih lagi bekerja dan menampung keluarganya. Macam mana kira ko bilang?<\/p>\n

Gini…<\/p>\n

Gaji RM3,000<\/span> x 12 bulan= RM36,000<\/span> (Satu tahun punya duit belanja)<\/p>\n

RM36,000<\/span> x 10 tahun= RM360,000<\/span> (Family bulih teruskan hidup tempoh 10 tahun tanpa kasi putung Astro)<\/p>\n

 <\/p>\n

Simpan di Bank<\/h2>\n

Sekarang kita mau tinguk macam mana Sakinah mau dapat RM360,000<\/span> dan berapa lama kalau dia buat simpanan bulanan.<\/p>\n

Let’s say lepas tulak semua kos belanja bulanan dia ada baki RM300<\/span> (10% dari gaji). Sekarang dia punya umur 30 tahun. Kalau sudah start dari January 2017, ujung tahun bulan 12 dia ada sudah RM3,600<\/span> (RM300x12=RM3,600)<\/p>\n

Jadey, kalau dia mau dapat kumpul simpanan RM360,000 dia perlu masa 100 tahun untuk dapat RM360,000<\/span> (360,000 \u00f7 3600=100) Meaning dia time tu 130 tahun.<\/p>\n

Che’gu pencen berapa umur? Masih buli kerja ka bila 60 atau 70? Macam mana\u00a0kalau umur 32 dia kena stroke, cacat kekal atau mateh jatuh dari pokok kelapa sebab mama dia mau bahar? Macam mana keluarga dia mau teruskan hidup based on RM3,000 yang dia Sakinah selalunya pakai untuk belanja?<\/p>\n

\"broken<\/p>\n

PruBSN Warisan<\/h2>\n

Yang ini pula idea untuk si Sakinah standby RM360,000<\/span> untuk family dia tanpa mau hidup selama beratus tahun. (Macam mau ketawa juga tapi mesti sirius)<\/p>\n

OK. So contoh tadi si Sakinah kana sedia setiap bulan RM300 kan? Kalau *<\/strong><\/span>based on profile si Sakinah ni, under PruBSN Warisan, kalau dia mau standby RM360,000 untuk family dia in case dia mateh atau cacat kekal, dia cuma kena commit RM189.00<\/span><\/strong> setiap bulan seja.<\/p>\n

Betul baa?<\/h1>\n

Ya butul punya la bah. Mungkin ko heran kenapa ada urang mau kasi kau atau family kau RM360,000<\/span> kalau ko bayar RM189.00 setiap bulan. Mari kita tinguk breakdown dia apa exactly dia punya benefits.<\/p>\n

    \n
  1. Kalau Sakinah mateh atau cacat kekal, pampasan ialah RM360,000<\/span><\/strong><\/li>\n
  2. Kalau Sakinah kena diagnosed salah satu 36 penyakit Kritikal (contoh stroke, cancer, kidney failure) dia akan dapat lump sum RM100,000<\/span><\/strong><\/li>\n
  3. Kalau\u00a0Sakinah\u00a0mateh atau cacat kekal sebab oleh accident, pampasan dia ialah RM100,000 + RM360,000<\/strong><\/span><\/li>\n
  4. Kalau\u00a0Sakinah kena diagnosed salah satu 36 penyakit Kritikal, ini polisi jadi free<\/span><\/strong> dan akan dibayar oleh syarikat insurans sampai tempoh matang<\/li>\n
  5. Ada cash value. Dia punya projected cash value (non-guaranteed) kalau 51 tahun nanti ialah RM52,221<\/strong><\/span><\/li>\n<\/ol>\n
    \"PRU_Ad__Warisan_320X100\"<\/a>
    Free Quotation<\/figcaption><\/figure>\n

    Bayangkan kalau si Sakinah start menyimpan umur 30 tahun. Mateh eksiden jatuh pokok masa umur 32 tahun. Kalau simpan di bank, dia akan ada RM7,200 untuk family dia mau pakai makan sama bayar bil. (Itu pun kalau bank kasi benar)<\/p>\n

    Tapi…kalau under PruBSN Warisan, confirm keluarga dia akan dapat RM360,000<\/span><\/strong> lump sum walaupun baru bayar 2 tahun.<\/p>\n

    Kesimpulan nya, kalau kita ada perancangan yang bagus, bila tiba masa yang kita tidak sangka berlaku dan menyebabkan kehilangan nyawa dan secara langsung punca pendapatan keluarga, kita akan rasa lebih tenang sebab apa-apa terjadi, kita tau yang keluarga kita punya kewangan dan kehidupan harian terjamin bah.<\/p>\n

    Simple seja. Kau sayang keluarga mu ka ndak? Kalau sayang, mari kita kupi-kupi siurang share idea income protection. Gunakan 10%<\/strong><\/span> atau kurang dari gaji kau untuk bayar insurans dan start dapat perlindungan ini hari juga.<\/p>\n

     <\/p>\n

    * Bayaran premium insurans dan pampasan akan depends sama beberapa kriteria\u00a0termasuk kau punya Umur, Jantina, Pekerjaan sebagai contoh.<\/span><\/strong><\/span><\/p>\n

     <\/p>\n","protected":false},"excerpt":{"rendered":"

    RM360,000. Banyak bah tu. Mungkin kau pernah dingar orang cakap “Duit bukan segalanya tapi segalanya perlu duit”. Kalau pikir-pikir kan..macam betul juga oh. Macam mana pun kita ndak mau jadikan diri kita hamba duit, kita taatap perlu duit juga. Kalau kau tinggal di ulu kampung pun, mau bikin batas perlu cangkul. Kana beli juga. Made […]<\/p>\n","protected":false},"author":1,"featured_media":529,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16],"tags":[26,29,36,25,31],"class_list":["post-520","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tips-insurans","tag-life-insurance","tag-prubsn-takaful","tag-prubsn-warisan","tag-prudential","tag-prudential-sabah"],"yoast_head":"\nMacam mana mau standby RM360,000 untuk family » PruBSN Takaful Sabah - KL<\/title>\n<meta name=\"robots\" content=\"noindex, follow\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Kay Kastum\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"http:\/\/orangsabah.com\/takaful\/macam-mana-mau-standby-rm360000-untuk-family\/\",\"url\":\"http:\/\/orangsabah.com\/takaful\/macam-mana-mau-standby-rm360000-untuk-family\/\",\"name\":\"Macam mana mau standby RM360,000 untuk family » PruBSN Takaful Sabah - KL\",\"isPartOf\":{\"@id\":\"http:\/\/orangsabah.com\/takaful\/#website\"},\"primaryImageOfPage\":{\"@id\":\"http:\/\/orangsabah.com\/takaful\/macam-mana-mau-standby-rm360000-untuk-family\/#primaryimage\"},\"image\":{\"@id\":\"http:\/\/orangsabah.com\/takaful\/macam-mana-mau-standby-rm360000-untuk-family\/#primaryimage\"},\"thumbnailUrl\":\"http:\/\/orangsabah.com\/takaful\/wp-content\/uploads\/2017\/03\/mother-and-daughter-asian_WP.jpg\",\"datePublished\":\"2017-03-22T15:34:01+00:00\",\"dateModified\":\"2017-03-22T15:47:23+00:00\",\"author\":{\"@id\":\"http:\/\/orangsabah.com\/takaful\/#\/schema\/person\/d68677f0f52ba72c60efde9fe551f068\"},\"breadcrumb\":{\"@id\":\"http:\/\/orangsabah.com\/takaful\/macam-mana-mau-standby-rm360000-untuk-family\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"http:\/\/orangsabah.com\/takaful\/macam-mana-mau-standby-rm360000-untuk-family\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"http:\/\/orangsabah.com\/takaful\/macam-mana-mau-standby-rm360000-untuk-family\/#primaryimage\",\"url\":\"http:\/\/orangsabah.com\/takaful\/wp-content\/uploads\/2017\/03\/mother-and-daughter-asian_WP.jpg\",\"contentUrl\":\"http:\/\/orangsabah.com\/takaful\/wp-content\/uploads\/2017\/03\/mother-and-daughter-asian_WP.jpg\",\"width\":650,\"height\":369,\"caption\":\"Pengorbanan sebab kasih sayang\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"http:\/\/orangsabah.com\/takaful\/macam-mana-mau-standby-rm360000-untuk-family\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"http:\/\/orangsabah.com\/takaful\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Macam mana mau standby RM360,000 untuk family\"}]},{\"@type\":\"WebSite\",\"@id\":\"http:\/\/orangsabah.com\/takaful\/#website\",\"url\":\"http:\/\/orangsabah.com\/takaful\/\",\"name\":\"PruBSN Takaful Sabah - KL\",\"description\":\"Boleh kah saya membantu anda mendapat manfaat perlindungan Insurans?\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"http:\/\/orangsabah.com\/takaful\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"http:\/\/orangsabah.com\/takaful\/#\/schema\/person\/d68677f0f52ba72c60efde9fe551f068\",\"name\":\"Kay Kastum\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"http:\/\/orangsabah.com\/takaful\/#\/schema\/person\/image\/\",\"url\":\"http:\/\/orangsabah.com\/takaful\/wp-content\/uploads\/2016\/07\/Kay_Kastum_prudential_bsn_takaful-150x150.jpg\",\"contentUrl\":\"http:\/\/orangsabah.com\/takaful\/wp-content\/uploads\/2016\/07\/Kay_Kastum_prudential_bsn_takaful-150x150.jpg\",\"caption\":\"Kay Kastum\"},\"description\":\"Founder of OrangSabah.Com. 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