Monday, December 13, 2010

Are you Ready for Marriage ?

Salam.Alhamdulillah & Good days

Insyallah, on this entry i will try to written & posting the article that will trigger, who are waiting and planning to get the marriage, eventhough it is not too much detail about the philosphy of marriage (Nikah) in islam but i thought that is enough for pre understanding about concept and purpose of marriage in Islam



In Reality......Are you Ready for Marriage ?



Almost of us either girls & man will be trigger on this statement or will be ask from family for get the marriage (Nikah). Basically, the young people (man@women) around 23 years above and mostly just completed from study and starting to have the their career and job that related to skills they have and learned from kolej and university.So,when the time is come and when the statement of marriage or are you ready to get maariage ? is starting to circulate in mind .......For me, when this subject of feeling of love and the marriage issues is come in mind of thinking.Generally this will be some effect in our life and action in order to figure out this question. Are You Ready for Marriage ? .......

The Action .......

This is should back to the basic to our self.Are you ready to this ?Men's and including girl's .When we come to talking about the readines and preparation on this,our consideration is based on knowlegde and understanding about purpose of marriage (pls scroll down as per attach file about ), readiness of material,wealth and money for be coming day of married and life after marriage, how much commitment will be give inter marriage and after marriage ?..

Al Chukai
Rismail


MARRIAGE IN ISLAM.

^^^^^^^^^^^^^^^^^^

Islam is a strong advocate of marriage. There are no religious clerical appointments where one must be celibate like for example a priest or nun. The prophet Muhammad (pbuh) said "There is no celibacy in Islam." The prophet has also said, "Marriage is my tradition whosoever keeps away from it is not from amongst us".

Marriage is a moral safeguard as well as a social building block. Through marriage, families are established and the family is considered to be the fundamental unit of our society. Furthermore, marriage is the only valid or halal way to indulge in intimacy between a man and a woman.

Islam takes a middle of the road position to sexual relations. It neither condemns it like certain religions, nor does it allow it freely. Islam urges us to control and regulate our desires, whatever they may be, so that we remain civilized and equity reigns in society. Marriage also acts as an outlet for physical needs and regulates it as well.

The purpose of Marriage.

^^^^^^^^^^^^^^^^^^^^^^^

The word "Zawj" is used in the Quran to mean a pair or a mate. In general it's usage refers to marriage. The general purpose of marriage is so that men and women can love one another, provide company to each other, procreate and live in peace and tranquility to the commandments of God.

* Marriage serves as a means to emotional and physical gratification. It is also a form of worship because it is obeying God and His messenger - i.e. Marriage is seen as the only possible way for the sexes to unite under God. One could choose to live in sin but by choosing marriage one is displaying obedience to God.

Marriage is a "Mithaq" - a solemn covenant or agreement. It should not be taken lightly. It should be entered into with total commitment and full knowledge of what it involves. Your partner should be your choice for life. One should be mature enough to understand the demands of marriage so that the union can be a lasting one.

For a marriage to be valid certain conditions must be met:

1) Consent of both parties.
2) "Mahr" - a gift from the groom to the bride.
3) Witnesses.
4) The marriage should be publicized. (It should never be kept secret as this can lead to suspicion and troubles within the community.)

Is Marriage obligatory?

^^^^^^^^^^^^^^^^^^^^^^^

According to Imams Abu Hanifah, Ahmad ibn Hanbal and Malik ibn Anas, marriage is recommended, however for certain individuals it becomes Wajib (obligatory). Imam Shaafi'i considered it to be nafl or mubah (preferable). The general opinion is that if a person, male or female fears that if he/she does not marry they will commit Zina (sex outside of marriage), then marriage becomes obligatory. If a person has strong sexual urges then it becomes obligatory for that person to marry. Marriage should not be put off or delayed, especially if one has the means to do so.

A man, however should not marry if he does not possess the means to maintain a wife and future family, if he will not consummate the marriage, if he dislikes children, or if he feels marriage will seriously affect his religious obligation. The general rule is that the Prophet (pbuh) enjoined people to marry. He said "When one marries, they have fulfilled half of their religion , so let them fear God regarding the remaining half." This Hadith is narrated by Anas ibn Malik. Islam greatly encourages marriage because it shields one from wrongful actions and upholds the family unit.

Selection of a partner:

^^^^^^^^^^^^^^^^^^^^^^^

The choice of a partner should be the one with the most "Taqwa" (piety). The Prophet recommended suitors see each other before going through with marriage. It is unreasonable for two people to be thrown together and be expected to relate and be intimate when they know nothing of each other. The couple is permitted to look at each other with a critical eye and not a desireful one. This ruling does not contradict the Ayah which says that believing men and women should lower their gaze.

- The couple, however is not permitted to be alone in a closed room or to go out together alone. As the hadith says "When a man and a woman are together alone, there is a third presence i.e. shaitan.

- There is no dating or living in defacto relationships with each other before they commit to each other seriously. There is to be no physical relationship before marriage. The romantic notions that young people often have, have proven in most cases to be unrealistic and harmful to those involved. We only have to look at the alarming divorce rates to understand this point. e.g. the couple know each other for years, are intimate, live together and so on yet somehow this does not guarantee the success of the future marriage. "Romance" often dies out very quickly when we have to deal with the real world. Unrealistic expectations often contributes to problems within relationships. It is better to focus on compatability of the couple and critical evaluation than solely physical attraction.

Consent of parties.

^^^^^^^^^^^^^^^^^^^

There is a halal arranged marriage and a haram one. It is OK to arrange marriages by suggestion and recommendation as long as both parties are agreeable. The other arranged marriage is when parents choose the future spouse and the couple concerned are forced or have no choice in the matter.

One of the conditions of a valid marriage is consent of the couple. Marriage by definition is a voluntary union of two people.

The choice of a partner by a Muslim virgin girl is subject to the approval of the father or guardian under Maliki school. This is to safeguard her welfare and interests. The Prophet said "The Widow and the divorced woman shall not be married until she has consented and the virgin shall not be married until her consent is obtained. The Prophet did revoke the marriage of a girl who complained to him that her father had married her against her wishes.

The husband/wife relationship.

^^^^^^^^^^^^^^^^^^^^^^^^^^^^^

The wife's rights - the husband's obligations.

(1) Maintenance

The husband is responsible for the wife's maintenance. This right is established by authority of the Quran and Sunnah. It is inconsequential whether the wife is a Muslim , non-Muslim, rich, poor, healthy or sick. A component of his role is to bear the financial responsibility of the family in a generous way so that his wife may be assured security.

The wife's maintenance entails her right to lodging, clothing, food and general care, like medication, hospital bills etc. He must provide for her where he resides himself according to his means. The wife's lodging must be adequate so as to ensure her privacy, comfort and independence.

If a wife has been used to a maid or is unable to attend to her household duties, it is the husbands duty to provide her with a maid if he can afford to do so. The Prophet is reported to have said: "The best Muslim is one who is the best husband."

(2) "Mahr"

The wife is entitled to a marriage gift that is her own. This may be prompt or deferred depending on the agreement between the parties. A marriage is not valid without Mahr. It does not have to be money or gold. It can be non-material like teaching her to read the Quran. " Mahr" is a gift from the groom to the bride. This is the Islamic law, unlike some cultures whereby the bride's parents pay the future husband to marry the daughter. This practice degrades women and is contrary to the spirit of Islam. There is no specification in the Qur'an as to what or how much the Mahr has to be. It depends on the parties involved.

(3) Non-material rights.

A husband is commanded by the law of God to treat his wife with equity, respect her feelings and show kindness and consideration, especially if he has another wife. The Prophet's Last Sermon stresses kindness to women.


The wife's obligations - the husband's rights.

^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^

One of the main duties of the wife is to contribute to the success and happiness of the marriage. She should be attentive to the comfort and wellbeing of her husband and vice-versa. The Quranic Ayah which illustrates this point is:

"Our Lord, grant us wives and offspring who will be the coolness of our eyes and guide us to be models for the righteous"

The wife should be trustworthy and honest. She cannot deceive her husband by deliberately avoiding conceiving. She should not have any sexual intimacy with anyone other than her husband. She should not receive or entertain strange males in the house without his knowledge and consent. She should not accept gifts from other men without his approval. This is meant to avoid jealousy, suspicion and gossip. She shouldn't dispose of his belongings without his permission.

A wife should make herself attractive to her husband and be responsive to his advances. The wife should not refuse her husband without reason as this may lead to marital problems and worse still - tempt the man to adultery. The husband, of course, should take into account the wife's health and consideration of circumstances.




Will be continue

Tuesday, December 7, 2010

Salam Maal Hijrah 1432









:. Gambar Hiasan :.

Salam Maal Hijrah 1432

Dari Epilogrijal..........





Alhamdulillah,Ucapan syukur ke hadrat Allah swt dengan izin kita dapat terus hidup di bumiNya untuk melaksankan tugas sebagai khalifah dan mengimarahkan bumi ini sebaiknya.Hari ini genap setahun masa berlalu, tahun 1431hijrah berlalu pergi dengan muhasabah setakat mana pencapaian yang telah ditetapkan@ setkan ,adakah dibawah atau mengjangkau dari matlamat masing-masing,Tepuk dada tanya diri ...


Tahun 1432H dengan G.O.A.L Baru


Saban tahun kita menyambut ketibaan tahun baru,hari ini kita khususnya seluruh umat islam menyambutnya dengan permulaan tahun baru islam @ awal muharram dengan bacaan doa akhir & awal tahun,membuat majlis doa selamat, menzahirkan ucapan kegembiraan tahun baru kpd sahabat2 terdekat,sms ,facebook ,twitter,posting dihalaman blog peribadi dll.....
Suatu fitrah bagi manuasia yang sentiasa berhajat pada sesuatu, dan ianya bertepatan untuk menjadi muslim yang hari ini qualiti hidupnya lebih baik dari semalam (agar tahun ini lebih baik dari tahun sebelumnya),Maka ini pasti bermula dengan Smart (specific,measured,achievable,reliable n timeable ) G.O.A.L atau matlamat tahun ini diawalnya.Insyallah saya yakin,dengan dengan adanya G.O.A.L @ matlamat yang baik dan memenuhi ciri-ciri smart ditambah usaha dan tawakal sebaik mungkin untuk mencapainya,segala matlamat yg ditetapkan pasti dituai hasilnya dengan nilai emas@goal.

Salam Maal Hijrah 1432
Rismail,Paka Terenganu

Saturday, December 4, 2010

.:.Monsoon Camp 2010 .: '' Teenagers Islamic Adventure Camp ''


27 November 2010, Lagoona Resort, Cherating Pahang DM, Alhamdulillah sebagai melabuhkan tirai sesi 2010, sekali lagi PPDC Chukai Kemaman berjaya menganjurkan program 2H1M Kem Ibadat & motivasi pelajar bertempat di Lagoona Villa Beach Resort, Cherating, Kuantan.

Monsoon Camp : Teenagers Islamic Adventure Camp ”

Program pada kali ini agak mudah dan berjalan lancar bermula dari sesi pendaftaran peserta, pengendalian sesi LDK, slot-slot pengisian dan semua pengaturan disiplin peserta sepanjang sesi,ini adalah kerana adanya sumber tenaga@ manpower yang cukup dari facilitator mahasiswa/wi IPTA tempatan yg turut serta memberi sumbangan dari mula sehingga akhir program.Insyallah semua itu ada kredit@ value pada yg menyumbang tenaga,idea ,masa @ wang ringgit bagi menjayakan program seumpana ini terus berjalan.Apetah lagi program pengislahan seperti ini, bertujuan untuk membentuk jati diri remaja muslim sama kini, sebuah program memberi motivasi untuk mencipta kejayaan pada masa hadapan.

Selain adanya slot2 kuliah agama, pengisian motivasi , LDK bersama abe-abe@kakak-kakak fasilitator (baca fasi ),peserta juga didedahkan dengan pelbagai cabaran & rintangan malalui slot ''adventure Challenger'' seperti kembara malam,beredah bakau & denai, berkayak ke lagoo dll..
semua cabaran tersebut bertujuan bg membina muslim yg kuat & berani menempuh cabaran dengan pembinaan fizikal & mental yang sehat dan kuat.

Nabi SAW pernah bersabda

'' Jadilah seorang muslim yang karena sesungguhnya Allah SWT menyukai muslim yang kuat daripada muslim yang lemah ''


Siri Kembara epilog

Wassalam

Thursday, December 2, 2010

.:. Tirai Semester berlabuh .:.









Nota Diri 1 :

Bila ON saja Laptop & tangan mula di papan kekunci ini terasa banyak pulak idea nak ditulis sebagai perkongsian,sampai over flow@ mencurah-curah idea keluar tanpa control,....haaa...bila sebut saja Term, control,behaviour control, back flow and feedback @backforward ..itu semua adalah sebahagian daripada subjek yang telah ku hadam dan ku cernakan pada kelas semester yang lepas......semester yang agak menarik,mencabar dan banyak applikasi boleh diterjemahkan dalam kehidupan dan kerjaya harian.

Pertama aper Yang Menarik & mencabar ?.......

Biasanya benda yang menarik & mencabar ,adalah suatu benda yang value dan membuatkan kita asyik dengan benda baru tersebut selain kita dapat belajar dan hand on terus applikasinya....Kebetulan pada semester yang lepas antara subjek adalah :

1. Process Control Dynamic & Behavior control...
2. Separation Process 1( Distillation, evaporator, extraction..ect....
3. Separation process 11 ( Drying,solid-liquid sepataion ect....
4. Hand On Lab.....

Menariknya lagi, selain belajar teori & amali di kelas dari Dr prof..(Dengan izin perkongsian: Dr Hashimi, Dr Saharudin & Dr Ghazali @ dekan FKKSA ) yang mana routine class dr 8.00-10.00 mlm....pembelajaran ku juga berjalan dan diapplikasikan di tempat kerja,yang mana ..most of the equipment & process control has been there and norm to production operation...basically i just learned directly from the field other than theory @ technical manual from classes...i thought that is the credit for me from this semester.

Mencabar & menarik ?..

Sebenarnya,...setiap semester ada yang menarik dan mencabar,cuma semester ini ada sedikit transformasi, biasalah gomen @kerajaan pun ada transformasi dari ekonomi,kabinet dll...yang tranformasi yang ku maksudkan adalah transformasi department,bermula pada pertengahan tahun baru-baru ini,aku telah dipromotekan ke department baru...EOG (Ethylene Glycol depart)...jadi perlulah belajar & menyesuaikan diri di tempat baru.,...sambil buka buku subject tersebut..sambil2 tu jugaklah buka technikal manual plant prosess...




Alhamdulillah, sebenarnya banyak yang nak dikongsi untuk paparan kali ini.Insyallah saya cuba ruangkan sedikit masa lagi pada Nota diri II nanti..

wassalam.
rismail

Paka @Al chukai Terengganu

Monday, November 22, 2010

Al Fatihah buat Allahyarham M Sobri Husain Kenalan Di UMP


Assamualaikum wth

Allahuakbar 3X...walillahilHamd

AL Fatihah,



Dalam SUA GEMA Takbir Aidiladha yang masuk hari ke 2 hari ini dan dalam keriahan menyambut perayaan aidiladha dengan aktiviti ibadah korban@ sembelihan binatang ternakan yang terus berlangsung...Satu SMS masuk ke inbok h/p ku mengatakan bhw sdr M Sobri B Husin telah kembali Ke rahmatullah,Kenalan di UMP sesi 2005/06.Walaupun usia perkenalan kami agak singkat dan seingatku medan perkenalan kami bermula di Masjid Besi UMP,tempat kami berta'aruf,bertanya khabar,berkongsi penah dan lelah seusai kelas pengajian...SUNGGUH,terasa senang bila bersama dengan Arwah yang bersifat suka berkongsi dan pendengar yg baik.Pemergiannya amat dirasai buat kenalan di UMP Gambang dan jugak di UTM Skudai (Pelajar2 Master UTM , Fakulti Mekanikal & Pembuatan )......

'' Moga rohmu di tempatkan bersama dengan mereka yang soleh ''..

Wednesday, November 3, 2010

Mengapa Takaful Ikhlas lain dari yang lain ??





Ramai di antara kita sering tertanya-tanya apakah kelebihan Takaful Ikhlas berbanding dengan insurans islam yang lain seperti Etiqa, Takaful Malaysia atau PruBsn Takaful?

Setiap insurans yang ada di dalam negara kita Malaysia ini mempunyai kelebihan masing-masing. Ia diibaratkan seperti saling melengkapi antara satu sama lain.

Antara kelebihan yang terdapat di dalam Pelan Insurance Takaful Ikhlas ialah...Takaful Ikhlas mempunyai satu borang yang di panggil borang Hibah.

Kita biasa dengar Borang Penama ialah borang untuk nama pewaris kita sekiranya berlaku sebarang musibah ke atas kita. di sini pengguna perlu tahu apakah sebenarnya fungsi Borang Penama dan Borang Hibah

Borang Penama : setiap nama yang diletakkan di dalam Borang Penama ialah orang yang layak menuntut wang pampasan, TETAPI bukan orang yang layak menerima wang pampasan. Wang pampasan masih lagi tertakluk di bawah Hukum Faraid.

Borang Hibah : setiap nama di dalam borang ini adalah waris yang layak menerima wang pampasan tersebut. dan Borang Hibah juga mengecualikan wang pampasan daripada Hukum Faraid.

Maksud yang lebih jelas ialah borang hibah memudahkan proses tunttan dimana wang pampasan akan di bayar 100% terus kepada waris2 yang tercatat nama nya di dalam borang hibah tersebut. Tidak mengira nama waris tersebut terlibat dalam Hukum Faraid atau tidak.

Manakala borang penama ialah borang yang akan di uruskan oleh amanah raya untuk membuat proses tuntutan. Setiap nama yang tercatat di dalam borang penama tidak semestinya layak menerime wang pampasan kerana pembahagian wang pampasan mengikut hukum faraaid..

Borang Hibah ini memudahkan proses tuntutan dan hanya mengambil masa 14 hari dari tuntutan dibuat kerana tidak perlu melalui amanah raya yang kadang kala megambil masa berbulan-bulan sebelum sesuatu pembayaran tuntutan itu dibuat.


trivia : Sebab tu Takaful IKHLAS bahagian Death Claim adalah yang terbaik di Malaysia, paling cepat dalam tempoh 14 hari dan tidak pernah miss lagik kerana adanya borang Hibah :)



Read More...

.:. Profil Korporat Takaful Ikhlas .:.








Takaful Ikhlas Sdn. Bhd. (Takaful IKHLAS) diperbadankan pada 18 September 2002 dan adalah sebuah anak syarikat milik penuh MNRB Holdings Berhad.

Setelah beroperasi selama tujuh tahun, Takaful IKHLAS berjaya mengukuhkan kehadirannya dalam penyediaan perkhidmatan perlindungan kewangan Islam berasaskan Sistem Takaful yang menekankan semangat kerjasama dan tanggungjawab bersama di kalangan para pesertanya. Kini, reputasi kami dalam pasaran sebagai satu "jenama" dinamik telah dikenali ramai.

Hingga kini, lebih 1.4 juta individu dan syarikat telah meletakkan kepercayaan mereka kepada Syarikat dan menjadi pemegang sijil (peserta).

Komitmen dan pegangan Takaful IKHLAS kepada nilai-nilai yang luhur, bersama-sama dengan kesesuaian teknologi yang digunakan dalam pelaksanaan perniagaan, telah membina nama baik Syarikat atas pengamalan pendekatan dan penyediaan perkhidmatan yang beretika.
sambungan www.takaful-ikhlas.com.my/malay/profilKorporat/profilKorporat.asp


____________________________________________________________
MODEL & PRODUK TAKAFUL IKHLAS
____________________________________________________________















____________________________________________________________







IKHLAS SAVING TAKAFUL ( Simpanan Perlaburan Tertinggi )



IKHLAS SAVING TAKAFUL (SIMPANAN, PELABURAN DAN PERLINDUNGAN)
Dengan menyimpan RM120 sebulan, Anda akan mendapat manfaat-manfaat berikut:

1- TABUNGAN / SIMPANAN (tempoh matang) ** RM65 480.15

2- DANA PENYAKIT KRITIKAL (40 jenis penyakit kritikal) RM25 000.00

3- ELAUN HARIAN HOSPITAL (ikut jumlah hari) RM120 sehari

4- PAMPASAN KEMALANGAN (keilatan separa kekal ikut %) RM20 000.00

5- PAMPASAN PERLINDUNGAN KEWANGAN KELUARGA
Kematian biasa RM 70 086.00
Kematian akibat kemalangan RM 90 086.00

6- PENGGANTIAN PENDAPATAN
Hilang upaya menyeluruh akibat kemalangan RM 150 086.00
Hilang upaya menyeluruh akibat penyakit RM 130 086.00

7- KHAIRAT KEMATIAN (diserah dalam masa 24 jam) RM1 000.00

8- PENGECUALIAN MENYIMPAN – SYARIKAT TOLONG SIMPAN SEHINGGA MATANG
(akibat lumpuh / 39 penyakit kritikal)

9- PELEPASAN CUKAI maksimum sehingga RM6 000.00 * update : maksimum RM 9000

10- SEDEQAH JARIAH (Konsep tabarru’ (derma) dalam tabung At-Ta’awuni – amal yang di bawa ke kubur InsyaAllah)

**ilustrasi berdasarkan kiraan simpanan peserta lelaki 25 tahun dan matang pada umur 55 tahun






__________________________________________________________




IKHLAS EDUCATION TAKAFUL (Pelan Pendidikan Terbaik Untuk Anak )



Dengan menyimpan RM100 sebulan utnuk anak anda, anda akan mendapat manfaat-manfaat berikut:

UNTUK ANAK:

1- Simpanan / tabungan **RM32,900

2- Pampasan kematian anak RM90,904 + simpanan terkumpul dalam akaun anak

3- Pampasan lumpuh kekal RM120,904 + simpanan terkumpul dalam akaun anak

4- Pampasan 40 Penyakit kritikal (dibayar sekaligus) RM30,000

5- Pampasan Kemalangan RM90,904 + simpanan terkumpul dalam akaun anak

6- Elaun Hospital (ikut jumlah hari- 6jam sahaja pun dah dikira 1hari) RM60 sehari

7- Khairat Kematian (diberikan on the spot dalam masa 24jam) RM1,000

UNTUK IBU/ BAPA/ PENYIMPAN:

8- Manfaat Waiver of Contribution (Syarikat tolong sambung simpan sehingga matang polisi jika si penyimpan meninggal dunia / lumpuh kekal & menyeluruh / 40 jenis penyakit kritikal


9- pengecualian cukai pendapatan sehingga RM3 000

10- Beramal jariah (InsyaAllah bawa ke alam kubur)

11- zakat dilunaskan (zakat perniagaan)

** ilustrasi adalah berdasarkan kiraan simpanan untuk ibu berumur 25 tahun dan anak berumur 1 tahun, matang pada umur anak 23 tahun dengan kadar keuntungan 6.0%







___________________________________________________________




IKHLAS TAKAFUL WANITA ( Perlindungan Wanita Masa Kini )


Dengan menyimpan RM200 sebulan, anda akan mendapat manfaat-manfaat berikut:

1- KANSER WANITA
- kanser payudara RM50 000
- Servik Uteri RM50 000
- Tiub Fallopio RM50 000
- Ovari RM50 000
- Uterus RM50 000
- Vagina / vulva RM50 000

2- Komplikasi kehamilan
- Penyebaran pengumpulan Intravascular RM15 000
- Kehamilan Ektopik RM15 000
- Mol Hydatidiform RM15 000
- Lahir Mati RM15 000
- Kematian Neonatal RM15 000

3- Penyakit Kongonital Bayi
- Kecacatan ventricular Septal RM15 000
- Kecacatan Artial Septal RM15 000
- Sindrom Down RM15 000
- Spina Bifida RM15 000
- Tetralogi Fallot RM15 000
- Transposisi Pembuluh Utama RM15 000

4- Ciri-ciri tambahan
- Hadiah perkahwinan pertama RM1 500
- Hadiah kelahiran anak RM1 500
- Pampasan kematian pasangan RM1 500
- Pampasan Pemberhentian Kerja Tanpa Rela RM1 500

5- Tabungan / simpanan **RM96 789


6- Systematic Lupus Erythematosus bersama Lupus Nephritis (SLE) RM50 000

7- Rhematoid Arthritis dengan komplikasi RM50 000

8- Karsinoma in-Situ Payudara atau Servik Uteri RM15 000

9- Pembedahan Rekonstruktif muka akibat kemalangan Bayaran balik sehingga 100% (ikut bil)

10- pemindahan kulit akibat luka terbakar Bayaran balik sehingga 100% (ikut bil)

11- Pemindahan kulit akibat kanser Bayaran balik sehingga 100% (ikut bil)

12- Pembedahan reconstruktif payudara akibat kemalangan Bayaran balik sehingga 100% (ikut bil)

13- Lain-lain perlindungan
- Dana 40 Jenis penyakit kritikal RM15 000
- Elaun Harian Hospital RM100 (sehari)
- Pampasan kemalangan (keilatan separa kekal berdasarkan %) RM20 000
- Perlindungan kewangan keluarga
i- akibat kematian biasa RM50 000
ii- akibat kematian kemalangan RM70 000
- Penggantian Pendapatan
i- akibat hilang upaya kekal menyeluruh kerana penyakit RM65 000
ii- akibat hilang upaya kekal menyeluruh kerana kemalangan RM85 000
- Khairat kematian (dibayar 24jam) RM4000
- Pengecualian menyimpan (ditimpa 40 jenis penyakit kritikal)
- pelepasan cukai maksimum sehingga RM6 000

14- Beramal jariah (InsyaAllah bawa ke alam kubur)

15- zakat perniagaan dilunaskan

** ilustrasi adalah berdasarkan kiraan simpanan untuk peserta berumur 30 tahun matang pada umur 65 tahun dengan kadar keuntungan 6.0%





Ini bukan kontrak asal polisi. Sila hubungi saya untuk maklumat lanjut

Mohamad Ri Ismail
019 9568505
Perunding Kewangan islam
Takaful Ikhlas