36 Critical Illness

What are the 36 critical illnesses ?

1. AIDS as a result of a blood transfusion 
2. Alzheimer's Disease 
3. Aorta Surgery
4. APALLIC Syndrome
5. Aplastic Anaemia
6. Bacterial Meningitis
7. Benign Brain Tumour 
8. Blindness 
9. Brain Surgery
10. Cancer
11. Chronic Liver Disease
12. Chronic Lung Disease
13. Coma 
14. Coronary Artery Disease Requiring Surgery 
15. Deafness 
16. Encephalitis 
17. Full Blown AIDS 
18. Fulminant Viral Hepatitis 
19. Heart Attack
20. Heart Valve Replacement or Repair
21. Kidney Failure
22. Loss of Limbs
23. Loss of Speech
24. Major Organ Transplant
25. Major Burns
26. Major Head Trauma
27. Motor Neurone Disease
28. Multiple Sclerosis
29. Muscular Dystrophy
30. Other Serious Coronary Artery Disease
31. Paralysis
32. Parkinson's Disease
33. Poliomyelitis
34. Primary Pulmonary Arterial Hypertension
35. Stroke
36. Terminal Illness

1。因输血而染艾滋病
2。老年癡呆症
3。主动脉手术
4。去皮质综合症
5。慢性再生障碍性贫血
6。儿童细菌性脑膜炎
7。良性脑瘤
8。失明
9。脑部手术
10。癌症
11。慢性肝病
12。慢性肺病
13。昏睡
14。冠狀动脉疾病手术
15。聋
16。脑炎
17。典型的艾滋病
18。暴发性肝炎
19。心脏病
20。心脏瓣膜修复与替换
21。肾脏病
22。失去双手或双脚
23。哑巴
24。主要器官移植
25。严重烧伤
26。严重头部创伤
27。运动神经元疾病
28。多发性硬化
29。肌营养障碍
30。冠狀动脉疾病
31。瘫痪
32。柏金遜症
33。脊髓灰质炎，小儿麻痹症
34。原发性肺动脉高压综合征
35。中风
36。晚期疾病

The Coffee Effect

For Those Who Skip Lunch!

Factors Affecting Motor Insurance Premium

Most of us do pay for our car insurance. But, why some car has higher premium whereas some car is cheaper? Lets look at the factor contributing to the calculation of premium.
 

The Factors Affecting Motor Insurance Premium are:

Type of coverage: Comprehensive, Third Party Fire and Theft or Third Party

Third party: This type of policy covers death of, or injury to, other parties and damage to other people’s property. Under the law, the minimum requirement is that the policy provides cover for causing death of, or personal injury to, other parties.

Third Party Fire and Theft: On top of third party coverage, this type of policy further allows you to make a claim should your vehicle be stolen or damaged by fire.


Comprehensive:  Provides cover for personal accident and accidental damage to your vehicle and  against fire and theft, as well as third party death, injuries and property damage. Everything else being equal, this type of policy would thus cost more than other types of policies. You may add on optional benefits, such as coverage on additional accessories such as windscreen by paying a higher premium.  
 
Sum Insured: Based on market value

Engine Capacity (CC): The larger the Engine capacity, the higher the premium

Loading: Such as vehicle age loading, driver age loading etc

No Claim Discount: The discount given for not claiming insurance due to accident. From 0% to 25, 30, 38.33, 45 and the max will be 55%.

Other benefits such as legal liability, named driver, car accessorize cover etc.  The more benefits,the more you need to pay

And at last,you will need to pay RM 10 for the stamp duty.

Money – and more

SOME avid collectors of ringgit notes with print defects would probably be interested in owning a RM50 note which was withdrawn from an ATM at the Penang International Airport.
The legal tender was found stuck among 20 pieces of RM50 notes which was withdrawn by remisier Norhazi Ismail, 45, at about noon yesterday.
Bearing the serial number, ‘PP1981485’ on the back, the note had an extra flap on the front left top corner.
“This banknote is legal as it came straight from Maybank. Also the paper quality, serial number, photo of the Agung and watermark are all intact,” he said.
Norhazi, a former bank worker, said this was the second time he had found such a note.
“In 1984, when I was working in the then Southern Bank in Bayan Lepas, I received the old RM100 note which had two faces of the King on it.
Norhazi said he would keep both the ringgit notes as he felt they might be collector’s items one day.

Adapted from:  http://thestar.com.my/news/story.asp?file=/2009/12/30/nation/5384240&sec=nation

MBF Cards offers RM50 tax waiver for balance transfer

PETALING JAYA: MBF card holders stand to receive immediate interest savings upon approval of their balance transfer with a waiver of the RM50 Government Service Tax under MBF Cards’ Power Balance Transfer programme, subject to terms and conditions.
The offer promotes savings and long-term benefits for principal credit card holders who transfer their credit balance to an MBF card, MBF Cards (M) Sdn Bhd said in a statement.
The offer is valid until end February next year.
Under the offer, card members can now transfer their outstanding balance from other credit cards to MBF Cards and enjoy 0% interest for 12 months by maintaining the approved balance transfer amount for a full year.
But MBF card holders can only enjoy the benefits of the revolving credit amount, capped at RM7,500, with a minimum monthly transaction of RM300.
In addition, “if the approved balance transfer amount is more than RM7,500, MBF Cards’ prevailing interest rate will apply to the amount in excess of RM7,500,” the company said.
Meanwhile, Maybank is also providing its cardholders an option with regard to the RM50 card service tax.
Maybank said its cardholders had been informed via letters as well as on the bank’s website that cardholders could redeem their reward points to pay for the credit card service tax.

Adapted from: http://biz.thestar.com.my/news/story.asp?file=/2009/12/30/business/5382573&sec=business

Great Eastern’s Smart Medic

A comprehensive medical rider for investment-linked plans.

Enjoy High Annual and Lifetime Limits
Medical claims will be reimbursed in one lump sum, with a maximum annual limit of up to RM200,000 and a lifetime limit of up to RM1,600,000, depending on your selected plan.

Security of Comprehensive Medical Benefits
Smart Medic gives you comprehensive medical protection to guard against financial difficulties in times of medical emergencies. Key benefits include hassle-free Hospital admission, Pre and Post Hospitalisation treatments, Outpatient Cancer Treatment and Kidney Dialysis, Intensive Care Unit (ICU) and Surgical Expenses benefits. You will also have better peace of mind with the Emergency Accidental Outpatient Treatment and Day Surgery benefits that come with this plan.

Accidental Death Benefit adds to your protection
Your loved ones will receive an Accidental Death Benefit of up to RM20,000 which will be payable, depending on your selected plan, in the event of accidental death.

Daily-Cash Benefit to aid recovery
You have even less need to worry about the medical expenses in the case of hospitalisation at a Malaysian Government Hospital. This plan pays you a daily cash benefit of RM50 per day for up to 120 days per policy year.

Yearly Renewable up to the age of 80 years old
Smart Medic is available to anyone between 30 days attained age and 60 years old next birthday. It is renewable yearly up to the age of 80 years old next birthday, provided the company still offers this plan.

Greater assurance when you travel the world
When you travel abroad for a vacation or on business, you can rest assured that you are protected with Supreme Assist, an emergency assistance service for medical and travel assistance anywhere in the world.

Schedule of benefits

Premium Table