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MAYBANK BIJAK MALAYSIA ** berbaloi-baloi**

salam semuer....
terjumpa entry Qas aka MOMMY QASTALANI
mengenai insurance...maybe MOMMY QAS nie
sedang mencari2 plan yang bagus nie...
heheh..hopefully my story nie leh membantu kot
maybe ader lagi kot mommy2 yang sedang mencari2 plan nie...


pada baiti mmg bagus sgtlah kalo kita
ada ambil satu atau lebih plan insurance utk anak2..
itu pun ikut kemampuan masaing2..
Nak share sikit tentang plan BIJAK MALAYSIA
from MAYBANK nie...
ader org kater insurance MAYBANK nie mahal la, tak bagus la
aper la...heheh...
tapi rase nyer terpulang lah utk mereka menilainya...

Actually plan nie dia more to investment and sama jugak mcm polisi insurance yang lain..
pelaburan pendidikan,masa depan & kesihatan atau apa2 sahaja...
polisi plan lelaki & perempuan adalah berbeza
(tak paham leh check ngan MAYBANK)
semua coverage ader...so tak perlu riasau..
beza plan ini adalah jaminan penerimaan wang sebanyak 5%
every 3 years...that means
every 3 years kita akan terima wang dari plan ini...
so tak payah ler nak tunggu sampai 18tahun ker atau tempoh yang lama
silap2 aribulan sekarat jalan jerkk...heheheh
so dengan wang yang kita terima setiap 3 tahun tue,
kita leh laburkan wang itu ke ASB atu FIXED DEPOSIT...
kat sini wang akan beranak & beranak lagikk...
($$$$$$$$$$$$$$)
Bijak2...da nama pun BIJAK MALAYSIA...
kita perlu lah bijak dalam menguruskan wang untuk masa depan anak2
betul tak...


bila sampai masa anak kita nak wat further study..da tak risau sgt..
maner tak nyer...kiter pilih jerk nak kuarkan duit tue
dari ASB or fixed deposit ker atau maner2 simpanan yang kita buat..and
at the same time kiter leh cover balik with the payeble form this plan....
so pendek kata byk option untuk kita nanti...
berbaloi tak...raser nyer berbaloi2 nie..
silap2 anak nak kawen pun leh guna wang dari plan nie...
maner tahu kalo kita betul2 bijak menyimpan...

so bila anak kita umur 18th kalo nak continue just continue jerkk
anak kita pun nnt da besar leh sambung bayar jerkk..
sok anak da besor da ader keje..leh suruh dier sambung bayor jerkk...
bukan bayak pun minnimun RM100 jer...
tapi lagi bayk kita labur lagi byk la kiter akan dapt...
hmmm...bukan tamak or mengejar wang...
pikir kan zaman skrg nie jer..semuer nak kena pakai duit...
bukan sikit2...pikirlah mcm maner agaknyer zaman and tahun2 akan mendatang nie...
huiiii tak dapat nak dibayangkan!!!
kita tunggu dan lihat sahaja lah nanti..
itu pun kalo kita nie masik bernafas....


so here the details about this plan that i want to share with all
More info you can go directly to all MAYBANK branches near you..


Bijak Malaysia

A non-participating whole life plan with premium payment up till 55 years old, and Death and Total Permanent Disability benefits





Monthly premium options:
RM100, RM200, RM300 or RM500

Guaranteed Periodical Cash Payment:
5% of Sum Assured, payable every 3 years from inception


Features

  • Whole life superior protection coverage
  • Affordable monthly premiums of RM100, RM200, RM300 or RM500
  • Extra protection coverage during productive/working years
  • Guaranteed triennial cash payment for life at 5% of sum assured until age 88
  • Guaranteed maturity benefit (full sum assured is payable)
  • Easy enrolment and hassle free-only requires a simple health declaration to get started
  • Free and convenient auto-debit of contributions from your Maybank Current/Savings account or credit card
  • Initiated by the National Insurance Association of Malaysia (NIAM)

Table of benefits

% of sum assured
Death benefits
Total & Permanent Disability (TPD) benefits (up to age 65)
Natural
causes
Accidental
causes
Natural
causes
Accidental
causes
First 2 policy years
25%*
400%
25%*
200%
Policy year 3 up to age 55 years
200%
400%
200%
200%
Age 56 to 65 years
100%
200%
100%
100%
Thereafter up to age 88 years
100%
100%
Nil
Nil
Triennial cash payment5% of Sum Assured paid out every three years up to policy maturity
Age 56 to 65 years100% of Sum Assured benefit payout at age 88
*Lien is applicable only for deaths and TPD due to natural causes during the initial two (2) years of the policy inception, due to underwriting constraints.

example :

23years old, Female.. Payment range rm200/month

If I take payment range of rm200/month = rm2400/year, Sum Assured = rm66300 GCP = rm3315 (every 3 years)
Based on long term calculation; (assuming you live till 88)

Basic Calculation:

Age 23 - 55 = 33 years x rm2400 = rm79200
GCP = rm3315 x **22 times = rm72930 (*66 years)
*66 years is calculated from Age 23-88 (because they will still pay you the GCP eventho you stop paying for the monthly payment)
** 22 times = 66 years/3years








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15 Responses to MAYBANK BIJAK MALAYSIA ** berbaloi-baloi**

EIJAM'S FAMILY said...

gud info

LIP said...

tq 4 da info baiti

LIP said...
This comment has been removed by the author.
ena said...

Bijak dulu..bijak sekarang.. bijak..bijakkkk.. ehehe..

adibdaddy said...

halal ke tak??? :) takaful dan insurans berbeza, insuran ada unsur riba dan gharar... just share info

adibdaddy said...

halal ke tak??? :) takaful dan insurans berbeza, insuran ada unsur riba dan gharar... just share info

Simmy said...

dh umur brape boleh ambik balik semua duit tu. 55thn dh pencen atau tepat 88thn?

nurfauzi said...

i also have been offered this 'bijak Malaysia' by maybank staff. but since they say it is not syariah compliance, so i just say sorry.
For me, syariah compliance is important.
Just sharing my thoughts.
Anyway thanks for the information.

ctrahmah said...

etiQa takaful ad sediakan perlindungan + simpanan + perubatan yang mengikut syariah. simpanan anda siap dizakatkan 2.5%.

ton noy said...

mesti la halal, kan ni negara ISLAM.

farid kamal said...

Got doubts before this. But after reading ur post, now im convinced. Good info. Worth it. Tq.. :)

ameen ina said...

Salam sis. once kita buka akaun maybank n apply bijak malaysia ni skali.. duit yg kita masukkan every months 100 tu, akan campur sekali dgn duit simpanan kita ke? confuse.. baru je buka akaun 2 bulan lepas. n rasanya kat dalam tu dah masuk 400, tp cek tadi juz 100 je ada.. tak sempat pegi bank lagi tanya..huhu

chongyi said...

hi. i would like to ask. according to your calculation of the example. that amount of money you have been saving (2400 per year) can be withdrawn any time or not in case we need the money urgently?? thank you.

anny said...

Salam... Saya nak tanya. Is it true this is worth.? I need prove. Because I think I am being cheated by this Bijak Malaysia..

Mohd Helmi Abu Talib said...

it some of their agenda...only cover for death and total disability...how if u get critikal illness...like cancer...for sure u will loss ur saving all for medical critical illness....it not bijak....016-4589860