T A K A F U L H A J J A N D S M A R T M E D I C P L A N

T A K A F U L H A J J A N D S M A R T M E D I C P L A N

What do you know about hajj?

T A K A F U L H A J J A N D S M A R T M E D I C P L A N

Nowadays ,how much cost for perform hajj?

T A K A F U L H A J J A N D S M A R T M E D I C P L A N

Until now , what is your effort to ensure that you can perform

hajj?

T A K A F U L H A J J A N D S M A R T M E D I C P L A N

With your saving,Are you sure you can

perform hajj?

T A K A F U L H A J J A N D S M A R T M E D I C P L A N

Did you know nowadays we have the best plan to

ensured us to perform hajj?

TLE O572 ENGLISH LANGUAGE IV ( WRITTEN COMMUNICATION )

APPRENTISE PROPOSAL :TAKAFULHAJJ AND SMARTMEDIC

PLAN

INSTRUCTOR NAME : MISS SOFIAH BINTI SHARIFF @ SHERIFFGROUP NAME : ymc GROUPNAME OF GROUP MEMBER :

1. MOHAMAD IZZAT BIN MOHAMAD ZAFRI (9100339 )2. MUAZ BIN ABD. MUEIN (9100936)3. MOHAMAD HARIS MURSHIDI BIN MUHMAD RUSLI

(9100367)

T A K A F U L H A J J A N D S M A R T M E D I C P L A N

TAKAFULHAJJ IS A NEW PLAN TO GIVE GUARANTEE FOR YOU TO PERFORM HAJJ AND THAT GIVES YOU THE FREEDOM OF PROTECTION WITH SHARIAH APPROVED INVESTMENTS WITHOUT PREJUDICE.YOU MAY DECIDE HOW YOUR MONEY WORKS FOR PROTECTING YOU .TAKAFULHAJJ ALSO PROVIDE YOU PEACE OF MIND WITH PROPER.

ACKNOWLADGEMENT

T A K A F U L H A J J A N D S M A R T M E D I C P L A N

•COMPULSORY FOR ALL MUSLIMS WHO ARE ABLE TO PERFORM HAJJ TO WHO ABLE PERFORM IT.•TO FULFILL THAT DREAM, THEY SHOULD HAVE ENOUGH MONEYVARIOUS WAYS THE MONEY FOR CLEARANCE.•BUT, AT THE SAME TIME WE ENSURE ANYTHING CAN HAPPEN BEYOND US AS A HUMAN.•THEREFOR, DURING THIS PERIOD WE CAN`T PREDICT EITHER WE CAN PERFORM IT  OR NOT BECAUSE AT ANYTIME  TO OCCURRENCE OF SUCH AS UNFORTUNATE DEATH.•THIS SERVICE WAS INSPIRED BY MAATAKAFUL AND  THE SERVICES MAY BE REQUIRED BY ALL MUSLIMS.•TO  PROVIDE  SERVICE TO  ALL  MUSLIMS  TO  ENSURE  THEY CAN  PERFORM HAJJ AND THE SAME TIME GIVE A PROTECTION DURING, BEFORE OR AFTER PERFORM IT.•

WHY THIS PRODUCTS?

T A K A F U L H A J J A N D S M A R T M E D I C P L A N

Product Highlights

TAKAFUL

HAJJ

Eligibility: 30 days to 69 years old

Focus on your PROTECTION & SAVINGS for HAJJ

50:50 Surplus Sharing

Khusus Protection Rider (MTKP) – Compulsory Rider

Death & TPD Coverage up to 80 years old

Four types of Shariah Funds to invest

ZIARAH PROTECTION(MTZP) – Optional Rider

T A K A F U L H A J J A N D S M A R T M E D I C P L A N

MARKET PRICE AND PROMOTION STRATEGY

1st Packages 2nd Packages 3rd Packages

RM 150(Age 0-30)

RM 200(Age 31-40)

RM 300(Age 41-69)

T A K A F U L H A J J A N D S M A R T M E D I C P L A N

NO PARTICULAR TABUNG HAJI TAKAFUL HAJJ

WAKALAH THAWARAT FEE 3 – 6 % Up to 9% / yearWITHDRAWAL Anytime 3rd year and above but balance of saving must be RM 1,500 and above

ZAKAT Managed by Tabung HajiSAVING VIA Salary Deduction / Cash / Credit Card / Check/Bank OrderTAXES EXCEPTIONAL None Up to RM 6,000 Just savings in Tabung HajiDEATH

HANDICAP Total PolicyEXAMPLE: RM 120,000.00

•Disaster that causes lasting handicap/ Death in Mecca, Medina or anywhere in Saudi Arabia will be paid RM 20,000DEATH BENEFIT None according to existed saving balance RM 7,000 to heir for corpse management handlingHELP IN CASE ATTACKED BY 46 DANGEROUS DISEASESNone Help in case attacked by 46 dangerous diseases – RM 20,000.

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Managed by MAATkaful and shariah panelCash/salary deducion /bank order

T A K A F U L H A J J A N D S M A R T M E D I C P L A N

Product Updates Product Highlights

MTHAJ

Special Rider-KHUSUS

PROTECTION(MTKP)

ZIARAHPROTECTION

(MTZP)

T A K A F U L H A J J A N D S M A R T M E D I C P L A N

Product Updates Product Highlights

KHUSUS PROTECTIO

N

Death BenefitPays

RM2,000 Death Benefitwithin 24 Hours+RM5,000 additional death benefit

T A K A F U L H A J J A N D S M A R T M E D I C P L A N

Product Updates Product Highlights

ZIARAH PROTECTIO

N

Death / Paralyse due to accidentPays

100% Sum Coveredor

200% Sum Coveredif occurs in Saudi Arabia

T A K A F U L H A J J A N D S M A R T M E D I C P L A N

BADAL HAJJ

Badal means replace, replacer, or being replaced. So, Badal Hajj is replace other person in performing Hajj (pilgrimage) because there are some certain obstacles like illness, old age (enfeebled) or death to completely perform all of the Islam pillar, as written in Sura Al-Imran.

T A K A F U L H A J J A N D S M A R T M E D I C P L A N

Dieses problem??

What the effect on our life…?

T A K A F U L H A J J A N D S M A R T M E D I C P L A N

T A K A F U L H A J J A N D S M A R T M E D I C P L A N

T A K A F U L H A J J A N D S M A R T M E D I C P L A N

Don`t burden yourself with your hospital

payment

T A K A F U L H A J J A N D S M A R T M E D I C P L A N

WHERE TO GET THE MONEY?

CHARITY

?

? ?

? ??

Borrow Ah Long

Savings

Property/SharesRob a bank

Own a Smart Medic

T A K A F U L H A J J A N D S M A R T M E D I C P L A N

T A K A F U L H A J J A N D S M A R T M E D I C P L A N

Saving

Our suggestion for your life financial plan

T A K A F U L H A J J A N D S M A R T M E D I C P L A N

•HAVE BONUS AND DIVIDEN•CAN MAKE WITHDRAWAL IF YOUR SAVING MORE THAN

RM1500.00 IN YOUR ACCOUNT

•NOT A LOAN AND NOT NEED TO PAY BACK.

SAVING

T A K A F U L H A J J A N D S M A R T M E D I C P L A N

Saving Handicap fund Bonus

and dividend

Our suggestion for your life financial plan

T A K A F U L H A J J A N D S M A R T M E D I C P L A N

Because of death and accident: “YOU WILL BE

PAID WITH CASH DEPEND ON YOUR

POLICY”

FUND

T A K A F U L H A J J A N D S M A R T M E D I C P L A N

Saving Handicap fund Bonus

and divident

Our suggestion for your life financial plan

HEIRLOOM FUND

T A K A F U L H A J J A N D S M A R T M E D I C P L A N

REFER ON TAKAFUL ACT 1984……..

“MANAGEMENT OF TAKAFUL MUST PAY HEIRLOOM FUND TO

HEIRS IN 60 DAYS….IF FAIL TO PAY IT,

TAKAFUL WILL BE PENALTY 4% PERYEAR ”

HEIRLOOM FUND

T A K A F U L H A J J A N D S M A R T M E D I C P L A N

29

Saving Handicap fund Bonus

and dividend

Our suggestion for your life financial plan

HEIRLOOM FUND

SMART MEDIC CARD

T A K A F U L H A J J A N D S M A R T M E D I C P L A N

•ACCEPTED AT 93 HOSPITAL IN MALAYSIA

“ANYWHERE YOU ARE YOU CAN USE IT, BECAUSE WE WILL WITH

BE YOU”

SMART MEDIC CARD

YOU NOT NEED TO MAKE PAYMENT BECAUSE WE WILL PAY FOR YOU

100% OF YOUR PAYMENT

T A K A F U L H A J J A N D S M A R T M E D I C P L A N

“YOU CAN USE THIS SAMRT MEDIC UNTIL AGE 80 FOR ANY TYPE OF DISAESE ”

SMART MEDIC CARD

T A K A F U L H A J J A N D S M A R T M E D I C P L A N

32

Saving Handicap fund Bonus

and divident

Our suggestion for your life financial plan

HEIRLOOM FUND

SMART MEDIC CARD

DAILY WARD ALLOWANCE

T A K A F U L H A J J A N D S M A R T M E D I C P L A N

EVEN THOUGH YOUR HOSPITALS BILL WAS 100% , BUT YOU ALSO WILL PAY FOR DAILY HOSPITALS

ALLOWANCE.

WARD ALLOWANCE

T A K A F U L H A J J A N D S M A R T M E D I C P L A N

Benefit SmardMedic planPlan 1(RM)

Plan 2 (RM)

Plan 3 (RM)

Plan 4(RM)

Hospital benefitOverall year limit 50,000 100,000 150,000 200,000Age limit 150,000 300,000 450,000 600,000Khairat Kematian*(all causes) RM5,000

Hospital room /ward & food (max. 200day per year )

150 200 300 450

Intensive care unit/ICU (max. 60 day per year )

Will pay As charged

Supplies and Hospital serviceOperation fees

anesthetists feeTheater feeDiagnostic pra-hospital test(in 60 days before entrance )pre-hospital specialistconsultations(in 60 days before entrance) Specialist visit in hospital fee(max. 200 day peryear)Post-Hospitalization Treatment(in 30 day from exit)

T A K A F U L H A J J A N D S M A R T M E D I C P L A N

Outpatient Benefits Hospital fee 300 400 500 750

Kidney Dialysis Patient (peryear) 12,000 18,000 25,000 35,000

Outpatient Cancer Treatment(per year) 12,000 18,000 25,000 35,000

Outpatient Treatment for Accident and Emergency(within 24 hours and follow-up to the max. 31 days) AS CHARGEDOutpatient Physiotherapy Treatment(within 90 days from the date of discharge /surgery)Another benefits

Daily Cash Allowance at Government Hospital(max. 200 days per year)

50 60 75 85

500 750 1,000 1,500

BENEFIT TO COVERED CHILDS GUARDIANS(MAX. FOR PARALYSE ONLY ) 200 250 300 400

MEDICAL FEES REPORT 80 80 100 100 NATIONAL EXPECTATION TAX AS CHARGED

T A K A F U L H A J J A N D S M A R T M E D I C P L A N

Medical Card

•Worldwide Coverage•RM3,000 Tax Relief•RM5,000 Funeral Expenses•Life Time Limit (RM150, 000 – RM600, 000)•Guaranteed Renewable up to age 80•100% Cashless and No Co-Payment•24 hour Emergency Accidental Out-patient Treatment•Providing 24 hour hassle free assistance:

In your admission to the hospitalDirect settlement of your bill upon discharge

T A K A F U L H A J J A N D S M A R T M E D I C P L A N

“There will be 5 Million young people with chronic diseases by 2007”

“10 Million By 2020 if nothing is done about it”.Those at Risk•2.3 Mil Smoker•1.5 Mil Overweight People•8.4 Mil Physically Inactive•2.1 Mil Who Consume AlcoholIt could be YOU!

T A K A F U L H A J J A N D S M A R T M E D I C P L A N

Heart Surgery RM 100,000 ~ RM 300,000

Kidney Failure RM 35,000 ~ RM 150,000

Heart Failure RM 20,000 ~ RM 120,000

Liver Disease RM 45,000 ~ RM 180,000

Aplastic Anaemia RM 50,000 ~ RM 300,000

Cancer RM 150,000 ~ RM 500,000

Viral Hepatitis RM 50,000 ~ RM 200,000

Angioplastic RM 20,000 ~ RM 35,000

Stroke RM 30,000 ~ RM 120,000

* Statistic Medical Expenses for Critical

T A K A F U L H A J J A N D S M A R T M E D I C P L A N

BENEFIT OFTAKAFUL HAJJ RM 250PER MONTH (PAKAGE)

1 RM 3,000

x

25 YEAR

RM 75,500

55 YEARS : RM89,468

60 YEARS OLD : RM 120,334

DEATHRM 120,000

ACCIDENT :DEATHPARALYTICMEKAHMADINA H

RM 20,000

PARALYTICRM120,000

RM 150,000

SAVING FOR

FUTURE LIFE

HIBAH/ BADAL HAJJ

HANDICAPPED FUND

MEDICAL CARD

CRITICAL DISEASEFUNDS

ACCIDENT

HOSPITAL ALLOWENCE

RM 20,000

RM 100 / DAY

RM 30,000

T A K A F U L H A J J A N D S M A R T M E D I C P L A N

“LEAVE YOUR CHILDREN AND YOUR WIFE IN A COMFORTABLE POSITION BETTER THAN YOU

HAVE LEFT IN A STATE OF BEGGING”

( Hadis narrated by Al- Bukhari )

T A K A F U L H A J J A N D S M A R T M E D I C P L A N

THANK YOU FOR

YOUR ATTENTION