STOP TAKAFUL SEBAB AMIK DAH LAMA TAK PERNAH CLAIM, RUGI .

 [ STOP TAKAFUL SEBAB AMIK DAH LAMA TAK PERNAH CLAIM, RUGI ]

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Sekiranya anda masih mempunyai mindset atau pemikiran yang macam terhadap takaful, saya nasihatkan untuk anda tambah lagi  pengetahuan atau pemahaman berkenaan konsep, fungsi dan syarat2 yang ada dalam sistem takaful tu sendiri.

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Memang betul, ada products atau pelan takaful yang duit kita tak dapat balik. Maksudnya, kalau tak claim, duit akan dimasukkan dalam tabung tabarru' (derma).

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Tapi ada banyak plan yang  menawarkan pelbagai pilihan untuk client ada peluang untuk dapatkan semula sebahagian caruman bersama dengan pulangan.

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Gambar kat bawah ni contoh, client saya yang ambil plan perlindungan dengan saya beberapa tahun yang lepas. Lebih dari 10 tahun. Beliau tanya, boleh  tak nak keluarkan?....dan cuba lihat message beliau kepada saya. Dia pun tak sangka duit cepat je dikeluarkan...

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Secara kesimpulan mudah, saya ingin menasihati masyarakat di luar sana, bila berbicara pasal takaful atau insurans, pastikan info yang diterima adalah tepat. Bukan main andaian sahaja.

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Untuk pengetahuan semua juga, ada plan takaful yang duit boleh dikeluarkan dan manfaat yang ada dalam tu tak terjejas. Sebabnya  adalah, setiap allocation fund telah pun diasingkan.

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Sekiranya anda ingin mendapatkan info berkenaan apa2 product takaful boleh terus DM saya.

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Fiza Hasan

Wealth Planner

Muqmeen Group

#onlinemarketing #takafulstoryteller #takaful #financialplanning #rumahsewa #pelaburanhartanah #financialprotection #medicalcard #prubsn #prubsntakaful #parttimeincome #ejentakaful #familytakaful #medicalcardfamily #retirementplan #hibah #estateplanning #businessprotection #financialplanner #bijakwang #bijakuruswang

Privacy Policy for Fieza Prubsn Takaful

At Fiza Hasan, accessible from www.fizahasan.com, one of our main priorities is the privacy of our visitors. This Privacy Policy document contains types of information that is collected and recorded by Fiza Hasan and how we use it.

If you have additional questions or require more information about our Privacy Policy, do not hesitate to contact us.

This Privacy Policy applies only to our online activities and is valid for visitors to our website with regards to the information that they shared and/or collect in Fiza Hasan. This policy is not applicable to any information collected offline or via channels other than this website.

Consent

By using our website, you hereby consent to our Privacy Policy and agree to its terms.

Information we collect

The personal information that you are asked to provide, and the reasons why you are asked to provide it, will be made clear to you at the point we ask you to provide your personal information.

If you contact us directly, we may receive additional information about you such as your name, email address, phone number, the contents of the message and/or attachments you may send us, and any other information you may choose to provide.

When you register for an Account, we may ask for your contact information, including items such as name, company name, address, email address, and telephone number.

How we use your information

We use the information we collect in various ways, including to:

• Provide, operate, and maintain our website
• Improve, personalize, and expand our website
• Understand and analyze how you use our website
• Develop new products, services, features, and functionality
• Communicate with you, either directly or through one of our partners, including for customer service, to provide you with updates and other information relating to the website, and for marketing and promotional purposes
• Send you emails
• Find and prevent fraud

Log Files

Fiza Hasan follows a standard procedure of using log files. These files log visitors when they visit websites. All hosting companies do this and a part of hosting services' analytics. The information collected by log files include internet protocol (IP) addresses, browser type, Internet Service Provider (ISP), date and time stamp, referring/exit pages, and possibly the number of clicks. These are not linked to any information that is personally identifiable. The purpose of the information is for analyzing trends, administering the site, tracking users' movement on the website, and gathering demographic information.

Advertising Partners Privacy Policies

You may consult this list to find the Privacy Policy for each of the advertising partners of Fiza Hasan.

Third-party ad servers or ad networks uses technologies like cookies, JavaScript, or Web Beacons that are used in their respective advertisements and links that appear on Fiza Hasan, which are sent directly to users' browser. They automatically receive your IP address when this occurs. These technologies are used to measure the effectiveness of their advertising campaigns and/or to personalize the advertising content that you see on websites that you visit.

Note that Fiza Hasan has no access to or control over these cookies that are used by third-party advertisers.

Third Party Privacy Policies

Fiza Hasan's Privacy Policy does not apply to other advertisers or websites. Thus, we are advising you to consult the respective Privacy Policies of these third-party ad servers for more detailed information. It may include their practices and instructions about how to opt-out of certain options. 

You can choose to disable cookies through your individual browser options. To know more detailed information about cookie management with specific web browsers, it can be found at the browsers' respective websites.

CCPA Privacy Rights (Do Not Sell My Personal Information)

Under the CCPA, among other rights, California consumers have the right to:

Request that a business that collects a consumer's personal data disclose the categories and specific pieces of personal data that a business has collected about consumers.

Request that a business delete any personal data about the consumer that a business has collected.

Request that a business that sells a consumer's personal data, not sell the consumer's personal data.

If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us.

GDPR Data Protection Rights

We would like to make sure you are fully aware of all of your data protection rights. Every user is entitled to the following:

The right to access – You have the right to request copies of your personal data. We may charge you a small fee for this service.

The right to rectification – You have the right to request that we correct any information you believe is inaccurate. You also have the right to request that we complete the information you believe is incomplete.

The right to erasure – You have the right to request that we erase your personal data, under certain conditions.

The right to restrict processing – You have the right to request that we restrict the processing of your personal data, under certain conditions.

The right to object to processing – You have the right to object to our processing of your personal data, under certain conditions.

The right to data portability – You have the right to request that we transfer the data that we have collected to another organization, or directly to you, under certain conditions.

If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us.

Children's Information

Another part of our priority is adding protection for children while using the internet. We encourage parents and guardians to observe, participate in, and/or monitor and guide their online activity.

Fiza Hasan does not knowingly collect any Personal Identifiable Information from children under the age of 13. If you think that your child provided this kind of information on our website, we strongly encourage you to contact us immediately and we will do our best efforts to promptly remove such information from our records.

Changes to This Privacy Policy

We may update our Privacy Policy from time to time. Thus, we advise you to review this page periodically for any changes. We will notify you of any changes by posting the new Privacy Policy on this page. These changes are effective immediately, after they are posted on this page.

Our Privacy Policy was created with the help of the TermsFeed Privacy Policy Generator.

Contact Us

If you have any questions or suggestions about our Privacy Policy, do not hesitate to contact us.

UPGRADE LIMIT MEDICAL CARD ANDA HARI INI

LIMIT CARD LAMA RM60K JE SETAHUN! SAYA NAK UPGRADE BOLEH TAK?

Ini antara persoalan yang biasa ditanya oleh pemegang medical card. Samada sendiri punya ataupun coverage under company.

Ada yang aware tentang ini dan ada yang tidak. Bila ada agent yang tanya baru tahu. Ada yang mula sedar bahawa medical fund tu penting sebagai ikhtiar untuk backup kalau emergency perlukan kos rawatan yang besar dan segera. Ramai yang mula sedar harga kos medical saban tahun meningkat.

Berbalik pada soalan yang ditanya, ada beberapa perkara asas yang perlu kami sebagai agent tanya balik kepada client / pemegang medical card tersebut.

1. Ada sejarah penyakit samada sebelum ambil medical card yang pertama atau pun selepas?

2. Pernah tak claim sebelum ni? Gunakan medical yang lama atau under company? Maksudnya pernah tak masuk ward. Tak kisah sama ada claim medical card atau tidak

3. Berapa coverage yang sedia ada? Berapa balance pernah claim?

4. Kalau pernah claim, atau masuk hospital atau dapatkan apa-apa rawatan, apa jenis sakit dan apa rawatan yang diambil? Adakah masih under treatment atau Dr kata dah fully recovered? Adakah penyakit tersebut boleh berulang menurut Dr?

5. Dah clear soalan² diatas, baru saya akan tanyakan apa client punya expection atau requirement.

Dah tahu semua 5 perkara penting baru la mudah untuk bagi proposed solution samada:

1- Buat switching (tukar plan baru). Ambik baru then stop yang lama tapi Term condition applied.

2- Ambil yang baru, maintain yang lama

3- Ambil yang baru, high deductible (follow on top of limit medical card lama), maintain plan medical yang yang lama

4- Ambil yang baru, lower deductible (ambil deductible bawah sikit dari limit medical card yang lama) dan maintain plan yang lama.

5- Ada banyak option lain tapi ini 4 yang famous.

Kenapa jangan terus simply stop yang lama dan ambik yang baru. Takut² nanti yang baru belum matured atau ada exclusion, yang lama pulak dah stop. Kesian ke client.

Ada beberapa solution lain. Yang nak tahu boleh tanya di ruangan comment, kita sama² bincang.

Medical card memang tak penting kalau kita ada duit backup yang banyak untuk tanggung kos rawatan. Tapi kalau anda ada duit banyak sekali pun, kalau diberi pilihan dapatkan rawatan bukan semua pakai duit kita, kalau pakai pun maybe kurang sangat berbanding jumlah keseluruhan kos rawatan...

Mana satu anda prefer?

Fiza Hasan

Wealth Planner

012 4513311

#takaful #medicalcard #prubsn #awareness #happiness