Insurance Best Takaful Insurance, Affordable for people with first job
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 Sep 23 2019, 11:22 PM
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Junior Member
221 posts Joined: Sep 2018 
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Now a day min rm150. Got medical card live. And investment
Mine Zurich takaful medica2015 increase 100%. My agen ask me to switch investment link plan. Only 15% incremental |
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Sep 27 2019, 11:22 AM
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#22
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Senior Member
727 posts Joined: Jan 2003 
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how bout try this neew concept guys. Rm 1 million medical protection, 200+ panel hospitals across Malaysia and RM0 to RM50 monthly
Life Engineering Medical Cost Crowd Sharing  FB This post has been edited by icyd: Sep 27 2019, 11:45 AM |
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Sep 27 2019, 11:32 AM
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All Stars
14,951 posts Joined: Mar 2015
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QUOTE(icyd @ Sep 27 2019, 11:22 AM) how bout try this neew concept guys. Rm 1 million medical protection, 200+ panel hospitals across Malaysia and RM0 to RM50 monthly there was a lyn thread on this......Life Engineering Medical Cost Crowd Sharing FB  do join/read to explore more..... https://forum.lowyat.net/topic/4636224/all |
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Sep 27 2019, 11:47 AM
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#24
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Senior Member
727 posts Joined: Jan 2003
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QUOTE(MUM @ Sep 27 2019, 11:32 AM) there was a lyn thread on this...... Thanksdo join/read to explore more..... https://forum.lowyat.net/topic/4636224/all |
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Apr 25 2022, 04:22 PM
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Probation
1 posts Joined: Apr 2022
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Maybe you can try Takaful Ikhlas for your insurance protection.
get more info at the websites |
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Apr 25 2022, 06:29 PM
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#26
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Junior Member
395 posts Joined: Dec 2017
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QUOTE(JK-Rai @ Oct 3 2018, 02:47 PM) Conventional insurance assigns a fund manager to invest in shares and bond. So is the premium for takaful lower or much different from conventional insurance for similar coverage? In short, this is considered gambling(al-maisir) and profit on interest(riba) which is illegal in shariah law. Also, they can use this money to be invested in all kind of company including Genting/Heineken and so on. From here I think you what it means. While Takaful, make sure of the fund in a way that it is shariah compliant and they profit by using the concept of pooling and profit sharing. In a sense where person A put in 10k into the pool and person B also put in 10k. If person B needs 12k there are allowed to take 2k from person A temporary. So it is syariah compliant because person A is helping person B. All in all, this is all overly simplistic. Please find a takaful agent for more details. Also from what I know takaful insurance a slightly more expensive depending on what you get. |
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Apr 25 2022, 07:37 PM
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#27
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All Stars
14,951 posts Joined: Mar 2015
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QUOTE(Mattrock @ Apr 25 2022, 06:29 PM) So is the premium for takaful lower or much different from conventional insurance for similar coverage? While waiting for his responses, (since that post was abt 40 mths old). I Googled and found this, hope it can provide you with some info while you wait. "Is Takaful or Conventional Insurance Cheaper? One isn’t necessarily cheaper than the other, but in terms of ‘extra risk premiums’, takaful insurance may be better in terms of cost." more,.... https://ringgitplus.com/en/blog/insurance/t...rms%20of%20cost. Mattrock liked this post
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Apr 26 2022, 09:14 AM
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Senior Member
4,726 posts Joined: Jul 2013 
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QUOTE(Mattrock @ Apr 25 2022, 06:29 PM) So is the premium for takaful lower or much different from conventional insurance for similar coverage? You quoting someone who posted 4 years ago.I only have one simple answer for you. Same same but different. I buy etiqa takaful for my car and house insurance. Same price. Takaful can give surplus out. Conventional insurance dont. I have been receiving surplus yearly from etiqa. This post has been edited by adele123: Apr 26 2022, 09:16 AM |
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Apr 26 2022, 10:05 AM
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#29
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Senior Member
8,188 posts Joined: Apr 2013
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QUOTE(adele123 @ Apr 26 2022, 09:14 AM) You quoting someone who posted 4 years ago. May I ask, what are the estimated surplus like in % terms in relation to the yearly premium paid?I only have one simple answer for you. Same same but different. I buy etiqa takaful for my car and house insurance. Same price. Takaful can give surplus out. Conventional insurance dont. I have been receiving surplus yearly from etiqa. This post has been edited by yklooi: Apr 26 2022, 10:05 AM |
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Apr 26 2022, 10:08 AM
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Senior Member
4,726 posts Joined: Jul 2013
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QUOTE(yklooi @ Apr 26 2022, 10:05 AM) May I ask, what are the estimated surplus like in % to the premium paid? Hi uncle looi, sorry can't remember exactly. cause can't remember what we paid for the previous year car insurance. definitely less than 10%.but i think ~4% to 5% conservatively. yklooi liked this post
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Apr 26 2022, 11:36 AM
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Senior Member
1,286 posts Joined: Jan 2007
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QUOTE(yklooi @ Apr 26 2022, 10:05 AM) May I ask, what are the estimated surplus like in % terms in relation to the yearly premium paid? Fyi, I received the surplus of 3.7% on Feb 2022 for the transaction of 2020. yklooi liked this post
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May 22 2022, 11:40 AM
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#32
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Probation
1 posts Joined: May 2022
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QUOTE(zolhsni @ Oct 3 2018, 11:09 AM) Like the title said, as a fresh grad and just secure my first job, I currently need to plan my life and searching for best takaful which is cheap and just enough for me. My plan is just to get a medical card that can cover my needs. I am 25 y/o non smoker and not having any medical issue. Do you guys have any opinion or experience for what is the best for me? Refer ur request why don’t u join Hong Leong Msig Takaful with high protect wand cash value u can withdrawn whenn need time Contact me if u more interest this package 011.53609684 |
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