Bonanza Penghujung Tahun 2010 - Satu Peluang Keemasan

Khas untuk
Konsultan dan Personal Producer Leader
MAA Takaful

Mulai
28 November 2010 sehingga 28 Disember 2010

Dengan menghantar minimum 3 kes baru MTL / TL 88
(paid & approved sebelum 31 Disember 2010),
akan melayakan anda untuk satu cabutan bertuah yang berupa ...

Hadiah Utama:
BMW 320i

Hadiah Pertama:
Apple MacBook Pro 13"

Hadiah Kedua:
Apple MacBook Air 11"

Hadiah Ke-3 Hingga Ke-10:
Apple iPad 3G

Ingat,
lebih banyak anda menghantar kes,
lebih cerah peluang anda untuk menang ...

Terma & syarat, sila rujuk memo MAAT/BDD/C/036/10

Tahukah Anda ...

FAKTA

Setiap hari ...

1. Purata 18 kematian akibat kemalangan jalan raya.

2. Purata 697 kemalangan jalanraya dilaporkan.

3. Dari 697 kes, 123 kes melibatkan kecederaan.

4. Purata 298 kes kemalangan industri dilaporkan dari tahun 2004 hingga 2008.

5. 4 dari 298 kes yang dilaporkan adalah kes kematian.

6. 56 dari 298 kes yang dilaporkan adalah kes Hilang Upaya Kekal.

7. Setiap bulan, dari tahun 2004 hindga 2008, purata 1,464 kes kebakaran dilaporkan.

8. Setiap bulan purata 5 kematian dan 6 tercedera dari tragedi tersebut.

Sumber - Kementerian Pengangkutan

Tahukah Anda ... MAA Takaful CancerCare ... satu keperluan

Tahukah Anda ...

“Tak mungkin saya menghidap kanser.” Inilah perkara yang mungkin terlintas dalam hati apabila kita memikirkan tentang kanser. Malangnya, dalam dunia hari ini, tiada siapa yang boleh bersikap terlalu yakin bahawa mereka boleh mencegah penyakit memudaratkan ini. Namun, dengan kemajuan perubatan yang sedia ada, kebanyakan kanser boleh dikesan di peringkat awal dan berjaya dirawat. Kanser ialah sejenis penyakit yang tidak memilih bulu. Penyakit ini tidak peduli badan siapa yang diserangnya. Sel kanser hidup semata-mata untuk memenuhi matlamatnya sendiri untuk membiak. Kanser langsung tidak menunjukkan belas kasihan dalam usahanya untuk mengambil alih badan perumah sehingga tubuh yang dihuninya tidak lagi wujud.

Kanser. Perkataan yang sering dikaitkan dengan kematian.

Terdapat 210 jenis penyakit yang diklasifikasikan di bawah nama kanser. Kanser menyerang 11 juta dewasa dan kanak-kanak setiap tahun di seluruh dunia dan meragut enam juta nyawa setahun. Di negara kita, 45,000 rakyat Malaysia disahkan menghidap kanser setiap tahun. Kanser ialah punca kematian kedua terbesar di Malaysia selepas sakit jantung.

Statistik ini memang menggerunkan dan kebarangkalian menundukkan kanser untuk terus hidup hanya satu dalam empat. Tidak hairanlah ketabahan penghidap kanser untuk menentang penyakit ini benar-benar teruji.

Jaminan kewangan membantu menentang kanser

Persediaan kewangan sangat penting dalam usaha menentang kanser. CancerCare boleh membantu menjamin kedudukan kewangan anda. Pelan ini membantu anda membuat persiapan kewangan dan menanggung bil rawatan kanser, supaya anda dapat memberi tumpuan untuk kembali pulih tanpa bimbang tentang masalah kewangan. Menerusi perlindungan meluas kanser peringkat awal dan lanjutan, pelan ini menyediakan sumber kewangan yang diperlukan supaya anda mendapat rawatan perubatan seawal mungkin dan memberikan peluang terbaik kepada anda untuk meneruskan kehidupan.

Menerusi CancerCare, anda bukan sahaja melindungi kesejahteraan diri, tetapi tabungan anda juga dapat dikekalkan, kerana pelan komprehensif ini membayar apabila Kanser disahkan di peringkat awal dan lanjutan. Lindungi diri anda dengan CancerCare hari ini. Pelan ini adalah cara terbaik untuk memastikan anda bersedia untuk menghadapi ancaman penyakit yang paling pantas menular di Malaysia.

Sertailah Sekarang

Mengenai MAA Takaful CancerCare

CancerCare ialah pelan perubatan yang menyediakan bayaran manfaat sekali gus jika orang dilindungi menghidap Kanser dan Kanser atau Karsinoma In Situ (CIS) Khusus Jantina. Selain itu, kami juga memudahkan tuntutan dibuat bagi belanja pengebumian.

Jumlah Perlindungan Untuk Kanser: RM 100,000.00 sehingga RM 500,000.00

Salam Aidiladha

Saya ingin mengucapkan Salam Aidiladha ...

kepada semua umat Islam tidak kira dimana berada ...

mudah-mudahan segala usaha kita dan pengorbanan kita selama ini semata-mata kerana

Allah SWT ...

Sesuatu untuk dikongsikan - Barah (Cancer)

Sila baca keratan akhbar yang dilampirkan. Pelan CancerCare adalah penyelesaian untuk wanita ini. Tetapi masyarakat diluar sana tidak tahu yang MAA Takaful mempunyai pelan istimewa untuk perlindungan peringkat awal barah (early stage). Inilah antara sebabnya pelan CancerCare MAA Takaful antara keperluan setiap masyarakat.

Dear friends

An article to share...

The New Paper's report,
Source:The Sun,News,Tuesday 31 August 2010

This sort of fury often brought on by finance-related matters.

Yesterday I received a letter from Prudential, with whom I spend nearly $1,000 every month, telling me that I don’t have cancer
Yep, you read it right. Apparently, according to the experts at Prudential, I lost a breast and went through a 12 hour surgery for… not cancer!
Blows your mind, huh? I’m still trying to find pieces of my brain under the couch after this staggering news.

Truth is, three of my many Prudential policies cover me for critical illness. However, when I signed with my agents, I never imagined that cancer at Stage 0 would be considered by my insurance company that I “do not have cancer”. In fact, there is every chance a woman buying a life plan with critical illness coverage has NO IDEA there is a stage called DCIS, and that her insurance company does not consider it cancer.

So my “imaginary cancer” won’t allow me to claim any of the $200,000 (or more) that my critical illness plans entitle me to.
Please, if you are a woman reading this, go and see your insurance agent and tell him/her/it that you want coverage for EARLY STAGE CANCERS. Make sure your policy document states that you will get 25% or however much for ductal carcinomas-in-situ or Stage 0 breast cancer. To my understanding these are the 2 policies that offer them now:

1. Great Eastern’s PinkLife will pay out 25% of your sum assured for carcinomas-in-situ. Not great an exchange for a breast but at least it’s not nothing. If I had bought that instead I would have $50,000 to allow me to take a break from work for some months, while still being able to pay my monthly bills and kids’ tuition fees and groceries…

2. AIA’s Complete Critical Illness Cover pays out 25% on early critical illnesses (I am assuming DCIS breast cancer is one of these).

Please please please, I beg you, don’t get royally scr*wed like me. Make sure your critical illness plan actually covers you, and you are not just happily giving your money away to insurance companies for their CEOs to buy 10 luxury holiday homes across the world.

Do not be a sucker like me. Please.

Call your insurance agent or financial planner today and make sure, by hook or by crook, you are covered by some rider, anything, for early stage cancers.

I’ve been researching cases of insurance companies who don’t pay out for DCIS breast cancers. Looks like it’s a worldwide disease. The insurance companies are the disease, I mean.
I lost a breast to this threat.
My histological report finds the cancer cells ARE malignant and aggressive, and most certainly were life-threatening — or I wouldn’t have needed the mastectomy.
I just happened to discover it before it became an uncontrollable growth.
Tell me how this is not cancer.
In my Googling I found this BBC clip. It makes me so, so sad that all around the world, women like me are shortchanged by insurance policies that they pay through the nose for.
I have paid close to $32,000 for one policy and over $25,000 for the other.

This clause in Critical Illness contracts NEEDS TO CHANGE. DCIS is cancer (and in my case, malignant) and it should be awarded accordingly and automatically. Sadly, Prudential covered its backside in its small print, which I had no understanding of. It makes me sad that they expect me to have Stage 1, or 2, or 3 or terminal cancer and chemo and radiation before I qualify to make a claim. Losing a breast is forever. Surely that must count for something.

For women in their 20s or 30s reading this — if you have had a grandmother, mother, sister, aunt, female cousin contract breast cancer, make sure you get yourself proper coverage (see box above).

A close friend who is a decorated journalist was horrified to hear it was likely I could not make a claim on my critical illness plans. “They should change that,” he said (after uttering “Wah lau eh, sh*t!”). “I can write a story on that.”

He should. I think I will be calling him soon. Also I am relooking at my Prudential policies now — maybe it’s not worthwhile carrying on. I should get my money back. Pity the surrender value is so pathetic. Bet that CEO already bought his 11th luxury holiday home.

Never mind, lessons learned. READ THE SMALL PRINT, AND FIND OUT WHAT THE EXCLUSIONS MEAN.
So, I guess I have no choice but to haul my sorry ass back to work.

Shree Ann Mathavan of The New Paper came to visit me yesterday and we had a nice chat about my insurance policies (among other things — she is a lovely girl and a hardworking journalist).
Her story came out in today’s New Paper and I felt it was a really fair and clear report of what happened. I was dreading a super-sensationalist header like “She Loses A Breast… And They Won’t Pay!” LOL!

Shree Ann was really respectful of my reasons for talking about this — it is not to complain that Prudential bullied me (which they did not, a contract is a contract) — but to alert other women who might be in the process of buying a policy, or may not have taken a look at her existing policies to make sure her coverage is full. Hence her report came out as such.
I’ve received emails, calls and comments to this blog — financial advisers who very kindly explain how it works (I just wish it was BEFORE not AFTER, but thank you all), women who have been through the same experience, and women who never even realised hospitalisation and critical illness policies are two different policies! So it only confirms that there is definitely a gap in the information that women need to have about their health insurance.

I am also happy to hear from friends who have bought the women’s only policies from AIA, Prudential or Great Eastern, and the GE Early Payout Critical Care, and were covered when the need arose.

Happy!

Today, for once, I feel like there is something worthwhile that has come out of my cancer experience