Insurans or Simpanan?

Aku percaya ramaiiiiiiii lagi di kalangan kite yg blom ade insurans kan? x kira la..insurans nyawa ke or insurans education ke etc..tp boleh kate semua org ade insurans kete or mtotor kan?hahhaha...yg tu wajib..kalo xde kene saman!

on the other hand, i believe semua dah ade akaun simpanan..walaupun ade RM10 jek dlm tu...betol x?so entry kali ni aku nk bg personal view skit psl insurans n simpanan ni... mai2 bc..

bg aku insurans tu penting..insurans nyawa or education..penting....sbb..insurans nyawa skang dah bleh pilih combination of insurans n saving...iyelah..walaupun saving punyer portion maybe x brape byk..tp still..if nothing happens to us by the time insurans tu mature..kite dpt part of our money gak...ape yg penting ttg insurans ni... kalo beli insurans..stop thinking about nk dpt dividen byk etc...kalo nk dpt dividen byk...baik beli ASB or Public Mutual.. tp bile kite decide nk amik insurans..kite kene pikirkan... ape akan berlaku pd waris2 kite bile kite tibe2 dijemput ALLAH? or bile tetibe strok menyerang..or bile tetibe kite di diagnose ade kanser..nauzubillah...mmg kite mengharapkan kesihtan yg optimum..tp who knows kan? so amik insurans...supaya ia tidak membebankan penjga or waris2 kite...pentingggggggg.....


nape education insurans penting...hah..ni org2 melayu especially kene aware...jgn asik nk harap duit loan PTPTN or MARA or JPA or scholarship KPM wutever...mak ayah generasi baru ni kene la tau...bile negara semakin maju..kite kene aware yg education would be very2 costly..so bersiaplah dgn simpanan utk education..ok..maybe korang kate...utk education baik trus wat saving dr amik insurans kan? nape nk amik insurans...simple..sbb education insurans juga cover penyakit2 or health conditions si anak...so xyah le amikkan personal insurans utk dia...


so itu lah beberapa point yg korang kene tau nape insurans tu penting...ade byk pilihan di psrn..just pick ur choice..x perlu amik memhl... cukup lah kalo kite tau...ade yg bleh cover sedikit kos pembedahan ke..or wutever...


p/s: aku rs elok lah kalo gomen wajibkan health insurans dr insurans kenderaan tu kan??

DiLema & KriSis RoaD tAx & InsUranS kEreTa...

hurrmmm...ni lah tajuk yg aku nk nyambung dr tajuk psl cukai2 sblom ni..alaaa...yg ms aku nulis psal Miskinkah Mesia? tu..igt x?... ok..mmg aku ade kate cukai LHDN kt mesia ni agak murah n x membebankan..ye betoll...tp yg aku rs nk bangkang ni..errr...dr dulu lg nk bangkang..hee...tp xde sape nk dgr ...ialah ttg insurans kete...huhuhu..

Roadtax gomen dah kurangkan..alhamdulillahh...murah jek byr..tp mshlyer..kalo korang nk idopkan roadtx..korang kene gak pastikan insurans kete korang tu idop..in other words..sellaunyer..kite ni..yg tahap x brape mampu nk byr ialah..insuransnyerrr!!!! bkn roadtaxnyerr...betol x?

Bygkanlah..kalo ms nk raye plak tu..roadtax korang mati...errr....ni aku bg cth aku ni...kekekkekek..elok jek nk raye..roadtax aku mati..hekkkkk...roadtax murah jek..RM90..tp............... insuranyer ya buk...ya amattt..RM1100..tu after 55% NCD ke hape...hurmm..pastu kan..bkn ape...mendeni pun penah berlaku kt hubby aku...penah le kete ijau dia tu eksiden..alaaa....kemek le gak depan tu..pastu bocor le gak radiator tu..pastu nak le claim insurans kan...korang tau wut??? insurans cume nk kaber RM1200 jek...pastu dia bwk g jumpe mekanik ke hape..kire  bengkel panel le..kami tanye le..nk betolkan ape?dia kate..owhh ni cume ketok balik n cat jek..radiator yg bocor tu pun cume tampal jek..x ganti ye...kalo nk ganti..kos lebih dr RM1200 tu n kene byr sendrik!! yg lg best ialah..after claim tu t..seme diskaun NCD hilang lenyap mcm tu jek..so nest year kene byr full balik..no diskaun!n finally hubby aku boring..dia xmo claim..n dia wat sendrik everything...plus ganti seme radiator, tukar disck break, tuko bumper depan tu..seme dgn kos RM800 jek!korang bygkan le...

so isunyer kt sini kan..kite diwajibkan amik insurans first party..kunun2 utk kaber kalo2 eksiden..ok la..kalo x eksiden??? maknenyer RM1100 aku tu sedekah jek la yek kt org yg dah mmg kaye?plus..kalo eksiden remeh temeh mcm kes En Dell td tu..maleh nk claim..sbb kalo claim walau sehinggit jek pun NCD tetap abis n kene byr full next year...so rs rugi n kebykan kite kompom wat sendrik jek kan?so kos tanggung sendrik..alangkah baiknyer kalo RM1100 aku tu aku sedekah kan pd fakir miskin kan???

maybe yg eksiden tahap extrem tu baru le berbaloi kalo nk claim...ms tu ntah aku ni idop lagi ke x???hak hak...kalo dah namanyer eksiden tahap extreme...fhm2 jek la manusia2 yg ade dlm kete tu kan??aishhh..NAUZUBILLAH...

tu la masalah yg dr dulu aku duk pk n x bleh wat ape2...wakakakka...aku nk gak cdgkan..nape x dibuatnyer insurans yg cume bayo sekali jek..iyelah..skali harung..mcm insurans utk ASB loan tu??insurans utk pinjaman peribadi tu?? xbleh ke difikirkan begitu??so byr skali jek ms nk beli kete..dah tu..selagi kete tu kite gune..or dia kaber le brape kos or rege kete tu..aku rs gitu lg mudah n elok serta x membebankan manusia yg mcm aku ni kot?

i wonder la..kt ober the sea tu..kete kene ade insurans mcm kite ke???ade sesape yg ade experience duk kt obersea n ade kete kt sana?share la info!!!!