Khairat Care FAQ

by | Nov 1, 2022 | Auxiliary Services, General Insurance, Industry Updates, Life

Frequently Asked Questions

What is Khairat Care?

Khairat Care is designed to reimburse the charges incurred for Funeral expenses incurred when the insured passes away.

I have a pre-existing condition. Can I buy this?

A Person Covered may be considered to have reasonable knowledge of a pre-existing condition where the condition is one for: –

  • which existed or developed prior to the commencement date of coverage; or
  • where there exists manifestation of illnesses prior to the commencement date of coverage; or
  • which based on normal medically accepted pathological development of the illness, such illness would have existed prior to the commencement date of the coverage

No Benefit shall be payable if the death is due to a Pre-Existing Condition unless at the time of death, the Person Covered has been covered for more than twelve (12) months from the Master Certificate Commencement Date and the Person Covered has duly disclosed such Pre-Existing Condition and has been fully underwritten and accepted in writing by the Takaful Operator prior to the inception of the Takaful coverage.

How long am I covered for?

This coverage plan is auto-renew yearly until 70 Years Old.

What if I fail to renew my Coverage on time?

We give a grace period of 30 Days from the date of expiry for renewal, at which point your coverage will continue from the date of expiry until the next renewal period. If you fail to renew your coverage within the grace period, then your coverage will be cancelled and you will have to apply for a new coverage plan and all benefits will be reset.

How does my Nominated Beneficiary make this Claim?

Your Nominated Beneficiary must fill in the claim form at https://member.carewise.my/khairat-claim, within 90 days and provide the following supporting documents as per required:

  • Copy of NRIC of Person Covered
  • Copy of NRIC of Claimant
  • Certificate of Death of Person Covered
  • Burial Certificate of Person Covered
Claim Form

What happens if someone other than my Nominated Beneficiary makes this Claim?

In the event that someone other than the Nominated Beneficiary makes this Claim, CareWise will do due diligence in contacting the Nominated Beneficiary and seek approval to release the Claim to the Claimant.

Who is eligible?

  • Malaysian Citizens (this product is not available for Non-Malaysians and / or Permanent Residents of Malaysia)
  • Aged between 18 – 65 Years Old
  • Free of HIV, AIDS and/or any AIDS related diseases

What are the Exclusions for Khairat Care?

No Funeral Expense benefit shall be payable if death results directly or indirectly from:

  • whether sane or insane commit suicide within one (1) year from the date of inception of the Certificate; or
  • HIV infection, AIDS or any AIDS related complex unless the death arose as a result of blood transfusion or occupationally acquired

When does my coverage start?

Your coverage date will start from the date of Payment Made.

Can I cancel my Khairat Care plan?

We do not allow cancellation for the covered year.

How long to receive the claim?

Upon review and approval of the claim, CareWise will release the covered amount in two tranches:

  • First Tranche: RM1,500.00 within One (1) Business Day
  • Second Tranche: The remaining balance within Thirty (30) Business Days

Can I change my Nominated Beneficiary?

Yes, to change your Nominated Beneficiary, please email the request to hi@carewise.my

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RHB Car Insurance 2022: Plans, Benefits & More!

RHB Car Insurance 2022: Plans, Benefits & More!

by | Oct 31, 2022 | Car Insurance

RHB Car Insurance

RHB has been in the banking industry for many years, making them one of the top banks in Malaysia and all across ASEAN. Founded in 1994, RHB is the fourth largest fully integrated financial services group in Malaysia. Other than insurance, RHB also has up to 6 other core businesses.

RHB Car Insurance Plans

Currently, RHB only offers one type of RHB Car Insurance plan.

RHB Private Car Insurance

What’s Included In RHB Private Car Insurance

  • Free towing up to RM300. You only need to pay up to RM300 per breakdown. Your vehicle will be taken to the preferred or panel repair workshop.
  • Offers NCD (No Claim Discount). 1st Renewal Year – 25%, 2nd Renewal Year – 30%, 3rd Renewal Year – 38.33%, 4th Renewal Year – 45%, 5th & subsequent Renewal Year – 55%.
  • Wide coverage for your vehicle. You’ll be protected for any damage or loss to your car such as theft, fire, impact damage, accident and malicious acts. That way, you can drive without any worries or stress.
  • Third-party liability coverage. You’ll be protected with unlimited liability against death or bodily injury caused by a third party. There is a RM3 million liability limit for any third party property loss or damage.
  • Claims are easy. You don’t need to have proof of liability to make your claims. Whether it is the fault of an authorised driver or co-driver, you’ll still get paid.

Available Premiums/Adds-ons for RHB Private Car Insurance

You may opt for these premiums/add-ons along with your RHB Private Car Insurance plan:

  • Protection against natural disasters such as typhoons, floods, storms, hurricanes, earthquakes, and so on.
  • Spray your vehicle with full body painting
  • Repair & replacement of windscreen
  • Unlimited towing services for breakdowns (Non-Tariff)

Benefits of Buying RHB Car Insurance

RHB Banking Group is a well-known banking company that offers a wide range of financial services. WIthout a doubt, the RHB Car Insurance does not disappoint! Here are some of the reasons why you should buy RHB Car Insurance:

Fast & Efficient Customer Service. RHB prioritises their customers. You don’t have to wait long to get yourself a car insurance plan. All you need to do is let them know your details and you can purchase car insurance with ease.

Exceptional recognition. Throughout the years, RHB has won multiple awards and been rewarded for various achievements. That makes them a reputable banking company that customers can trust.

Easy to locate anywhere. RHB is widely known all across Malaysia. This means you can easily head to any of their physical outlets should you require further information regarding the RHB car insurance plans. If you encounter any problem applying online, they are able to assist you at any physical RHB bank outlets.

Benefits of buying RHB Car Insurance with Fatberry

1. Get an instant quote

With Fatberry, you can get an instant quote within 3 minutes. So you don’t have to waste time waiting for the sales representative of RHB to contact you through phone call or email. Plus, it’s 100% free to receive a quote from Fatberry.

2. Lowest prices in the market

Here at Fatberry, we take pride in ensuring we only offer the lowest prices around. You don’t have to worry about paying a hefty amount for your car insurance as you’ll be given the lowest prices.

Not convinced? No worries – you will get a refund if you managed to see prices lower than ours on other websites. Just be sure to screenshot and show us proof! Then, we’ll give you back the difference within 7 working days.

3. Compare various insurance brands easily

On Fatberry’s platform, you can compare and go through up to 16 different insurance brands in Malaysia. In just a single page, you can compare the benefits and prices of all the available insurance plans. Don’t worry – it’s not complicated! You just need to perform a few clicks and you can compare them with ease.

How RHB Car Insurance Claim works

To make a claim for your RHB car insurance when you encounter an accident, here are the steps you’ll need to take:

1. Remember to stay calm and don’t panic!

2. Get the name and address of the drivers involved in the accident. You’ll also have to take note of the driver’s license numbers, model & registration number of all vehicles, as well as the names and addresses of any witness involved.

3. Make a police report in less than 24 hours once the accident occured. Immediately notify RHB.

4. You can opt for a third party claim or your own damage claim if the damaged vehicle is yours. If you opt for your own damage claim, be sure to request for additional assistance from RHB.

5. Once that’s done, you can go to any of the panel workshops listed under RHB insurance. You may not be able to make your claims if you send to a workshop that is not under the panel workshop list.

What you need for RHB Car Insurance Claim

You’ll need to get ready the following documents as follows:

Total Loss Claim

  • 2 copies of form JPJ k3 duty signed rubber stamped
  • Police report (original copy)
  • Completed claim form
  • A copy of policyholder’s as well as driver’s identification card and driving license
  • Borang 9 (Certified Copy) – Memorandum of Business Registration
  • A complete full set of keys to the vehicle
  • Insurance & Insurance Policy (Original Certificate)
  • Signed registration card (Original Copy)
  • All the necessary photos of the damages & scenes at the accident
  • Letter of subrogation and discharge (must be signed by Hire Purchase Owner and Insured)
  • Current outstanding statement from Hire Purchase owner
  • Release letter (Original copy) from Hire Purchase owner

Own Damage Claims

  • Police report (original copy)
  • Completed claim form
  • A copy of policyholder’s as well as driver’s identification card and driving license
  • A copy of vehicle ownership certificate
  • All the necessary photos of the damages & scenes at the accident
  • A copy of Road Tax Disc

Theft Claims

  • 2 copies of form JPJ k3 duty signed rubber stamped
  • Police report (original copy)
  • Completed claim form
  • A copy of policyholder’s as well as driver’s identification card and driving license
  • Borang 9 (Certified Copy) – Memorandum of Business Registration
  • A complete full set of keys to the vehicle
  • Insurance & Insurance Policy (Original Certificate)
  • Signed registration card (Original Copy)
  • All the necessary photos of the damages & scenes at the accident
  • Letter of subrogation and discharge (must be signed by Hire Purchase Owner and Insured)
  • Current outstanding statement from Hire Purchase owner
  • Release letter (Original copy) from Hire Purchase owner

Common F.A.Q for RHB Car Insurance

1. How do I make a purchase online if I wish to go for RHB car insurance?

Purchasing RHB car insurance online is super simple with Fatberry! You’ll be required to provide them with your personal details. Then, you’ll receive several quotes whereby you can choose the one that is within your budget. Once that’s done, make your payment and then you can get the RHB car insurance immediately!

2. How do I know whether RHB Car Insurance is for me?

We advise you to go through all of the available car insurance plans before going ahead with your purchase. Compare each of the car insurance benefits and prices. If you need additional help, the friendly team at Fatberry will be able to assist you!

3. What are the rates of RHB Car Insurance?

To get an instant quote, simply reach out to the friendly team at Fatberry!

4. How do I contact RHB Car Insurance?

If you have questions regarding the RHB car insurance plan, you can simply contact RHB directly at 03-92068118 or send them an email to customer.service@rhbgroup.com.

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Fatberry is a comprehensive platform with a wide range of car insurance in Malaysia where you can buy your preferred car insurance online instantly. You can choose from the available insurance brands and select the plans that suit your needs as well as requirements.

*The content provided is for informational purposes only. Fatberry makes no representations as to the accuracy or completeness of any information on this site or found by following any link on this site. Should you require more information on our products, please refer to fatberry.com or contact us. 

 

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AXA Car Insurance 2022: Everything You Need To Know!

AXA Car Insurance 2022: Everything You Need To Know!

by | Oct 31, 2022 | Car Insurance

AXA Car Insurance

AXA has been a leading insurance company since the year 1975. Available in up to 57 countries, AXA offers comprehensive protection solutions to businesses and individuals across all areas of general insurance.

AXA Car Insurance Plans

AXA Car Insurance: Smart Drive Enhanced 

Benefits of AXA Car Insurance: Smart Drive Enhanced

  • Fast claims approval can be done within 3 working days as long as the claims are below RM10,000. 6 working days for claims above RM10,000. Can also be done online which is fast and easy to process & make payments.
  • Free towing services for any accidents or breakdowns, covered up to 30km.
  • 12-month warranty for repairs when you visit any of the preferred workshops and a 6-month warranty for other panel repairs.
  • Extra benefits and add-ons such as waiver of betterment, covers for windscreen, and many more.
  • Lower rates when you have a safe risk profile.

Available add-ons for AXA Car Insurance: Smart Drive Enhanced

  • Special Perils Coverage. You’ll receive protection when your vehicle gets damaged by landslides, storms, flood or other natural disasters.
  • Passenger legal liabilities coverage. Your drivers will be protected whether the damages are caused by you or your passenger to a third party.
  • Waiver of Betterment. The cost when your broken or damaged parts are replaced will be covered. It’ll also be replaced with brand new original ones.
  • When Your Sunroof, Window & Windscreen Breaks. The repair cost will be covered.

AXA Car Insurance: Smart Drive Safe

The AXA Car Insurance Smart Drive Safe is actually a smart innovative motor insurance plan which offers a wireless and self-powered Microtag. With the Microtag, you can easily call for help with a touch of a button.

You can connect the Microtag with the AXA SmartDrive Safe app via Bluetooth. When AutomaticDriver Recognition is activated, it’ll also help you to stay focused while driving, ensuring safety.

Benefits of AXA Car Insurance: Smart Drive Safe

  • Offers flood relief up to RM1,500 if your car gets damaged during floods.
  • Offers key protection for up to RM1,500 if your car key was stolen due to robbery, house break-ins, or theft. The car key should be repaired at an authorised workshop. The complete repair and replacement will be fully covered up to RM1,500.
  • Offers free emergency towing 24/7 up to 200km if your vehicle encounters any breakdowns or accidents. You can call the hotline service made available 24 hours at 1800-88-1033.
  • All drivers are covered. If any unnamed driver uses your vehicle, they are able to claim up to RM400 for compulsory excess.

Available add-ons for AXA Car Insurance: Smart Drive Safe

  • When Your Sunroof, Window & Windscreen Breaks. If your sunroof, window, or windscreen will be covered, including replacements or repairs when accidentally damaged.
  • Waiver of Betterment. If there are any additional costs to replace the parts which are broken or damaged, they will be completely covered with parts that are new and original.
  • Special Perils Coverage. Your vehicle will be protected if any damage were to occur such as storms, landslides, floods, or nature-related events.
  • Legal liabilities of Passengers. Protect yourself if any of your passengers from any legal issues against you when accidents happen under your care.
  • Legal liabilities to Passengers. Protect yourself against any negligence caused by your passengers against any damage or loss caused to third parties.

Benefits of buying AXA Car Insurance

1. Offers up to 20% discount with self-pay limit.

You can receive up to a 20% discount when you select your self-pay limit while making your claims.

2. Customers’ needs are prioritised.

AXA only has one main goal – which is to provide value to their customers. The plans are catered to the needs and requirements of the customers.

3. Covers up to RM175K per car, starting from RM15 a year.

This includes any family member aside from yourself and your passengers.

4. Water damage coverage starts from RM10 a year.

The water coverage covers up to RM5,000 (towing & cleaning) when your vehicle gets damaged by flood.

Benefits of buying AXA Car Insurance with Fatberry

1. Instant quote

Save the time and get a quote in less than 3 minutes! No more waiting to know how much you’ll have to pay for your car insurance. You don’t have to pay anything to get a quote – it’s 100% free of charge!

2. Lowest price guaranteed

Fatberry only offers the best deals around. Get the lowest insurance prices instantly online. You can even get a refund if you spot any lower price on other platforms. As long as you provide proof that the other quotes are cheaper, Fatberry will refund the difference in just 7 working days.

3. Compare insurance with ease

Compare between 16 available insurance brands in Malaysia and choose the right one for you. You are able to see all of the benefits and prices in just one platform – within a few clicks.

How does the AXA Car Insurance Claim work

If you need to contact AXA Roadside Assistance when you encounter an accident or require assistance for any problems with your vehicle, here is a simple guide:

1. Make a call at 1800-88-1033 (AXA Roadside Assistance) for towing services that are linked to one of the panel repair shops.

2. If you encounter an accident, be sure to take a photo of the scene. Inform AXA immediately.

3. You have to report all your accidents to the police in less than 24 hours since the incident.

4. Submit all of the required documents to the panel repair shop in less than 2 days.

5. You can get your claim decision from AXA as soon as possible.

6. Once your claim has been approved, the panel repair shop will repair your car.

What is needed for AXA Car Insurance Claim?

Here are the documents needed upon making an AXA Car Insurance claim:

  • Copy of vehicle registration/VOC
  • Copy of NRIC/ID/Passport & driving license of insured or driver
  • Police report
  • Car insurance policy/cover note

Common F.A.Q for AXA Car Insurance

1. How do I purchase AXA Car Insurance?

You can purchase AXA car insurance online via Fatberry! All you need to do is key in your details, get a quote, compare the plans and choose the one that’s best for you! Then, you’ll be instantly covered!

2. Which AXA Car Insurance plan is best for me?

Since there are only two AXA car insurance plans at the moment, simply compare the two plans and see which one meets your needs and requirements.

3. How do I contact AXA Car Insurance?

You can contact AXA through WhatsApp (+603) 2170 8282 or email (customer.service@axa.com.my).

___________________________________________________________________________________________________

Fatberry is a comprehensive platform with a wide range of car insurance in Malaysia where you can buy your preferred car insurance online instantly. You can choose from the available insurance brands and select the plans that suit your needs as well as requirements.

*The content provided is for informational purposes only. Fatberry makes no representations as to the accuracy or completeness of any information on this site or found by following any link on this site. Should you require more information on our products, please refer to fatberry.com or contact us. 

 

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Home Flood Insurance FAQ

Home Flood Insurance FAQ

by | Oct 31, 2022 | Home Insurance

PRODUCT BENEFITS & PREMIUM

    1. What is Home Flood Insurance?
      Home Flood Insurance is a comprehensive package policy that provides coverage for your home contents in accordance with your lifestyle and needs
    2. Who is the underwriter for Home Flood Insurance?
      Home Flood Insurance is underwritten by Tokio Marine Insurance Malaysia
    3. What are the covers / benefits?
      • Loss or damage to your contents due to flood, fire, lightning and explosion caused by gas used for domestic purposes
      • Loss or damage to your contents by aircraft, road vehicles or animals, bursting or overflowing of water tanks or pipes, theft by forcible and violent entry, windstorm, earthquake.
      • Loss of Rent (limited to 10% of the total sum insured on buildings and/or contents)
      • Liability to third parties for accidents in your property up to RM 100,000.00
      • Property temporarily removed for sales or exhibition or to furniture depositories
      • Damage to mirrors
      • Compensation for fatal injury occurring in your property by accidental caused by insured perils as stated in the Policy Schedule
      • Servant’s property
      • Robbery and hold up in the premises of the insured property
    4. What are the main exclusions?
      • Damage or destruction occurring while the premise is left unoccupied
      • Loss or damage due to theft by your domestic servants or any member of your family
      • Loss or damage to any building in the course of construction, reconstruction or repair
      • Loss or damage to metal smoke stacks, awnings, blinds, signs and other outdoor fixtures and fittings including gates and fences
      • Loss or damage to buildings caused by subsidence or landslip except as a result of earthquake or volcanic eruption
      • Contents removed for sale or exhibition
      • Damage to hand mirrors
      • Loss or damage to contents consisting of deeds, bonds, bills of exchange, promissory notes, cheques, securities for money, stamps, documents of any kind, cash, currency notes, bank notes, manuscripts, medals and coins, motor vehicles and accessories or livestock unless specifically mentioned in the Policy Schedule
      • All legal costs and expenses which are not incurred in or recoverable in Malaysia
        Note: This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this policy.
    5. What is the definition of content in the context of Home Flood Insurance?
      • Content shall mean household goods such as furniture, electrical items, household appliances, and personal effects such as clothing, wallet and etc. belonging to you or any member normally reside with you in the private dwelling.
      • Content coverage excludes platinum, gold, silver articles, jewelry, furs, any curiosity or work of art for an amount exceeding RM500.00, securities, obligations, deeds, bonds, bills of exchange, promissory notes, or documents of any kind, stamps, coins or paper money, cheques, currency notes, bank notes manuscripts, books of account or other business books, or computer systems records, motor vehicles and accessories, or livestock.

POLICY PURCHASE & ELIGIBILITY

    1. Who can purchase Home Flood Insurance?
      a Malaysian, or a foreigner who is a permanent resident of Malaysia, work permit holder, pass holder or otherwise is legally employed and legally residing in Malaysia; and
      Your property insured is located within Malaysia.
    2. When is the effective date assuming I purchase Home Flood Insurance on Fatberry today?
      Once you have completed your payment in Fatberry and Tokio Marine receives your application, your e-policy will be issued within one working day, with coverage effective on the policy issued date. You will receive an e-mail confirmation with your policy number, policy effective date and expiry date. Your e-policy will be attached to the same email.
    3. Can I purchase Home Flood Insurance for another person?
      Yes, you may purchase Home Flood Insurance on behalf of another person, provided that the policyholder’s details are filled with the other person’s details and not yours.
    4. I have more than one property. Can I purchase another Home Flood policy?
      Yes, you can. Each property is eligible to be covered under one Home Flood policy only and each Home Flood policy is insuring only one property. You may proceed to go through the purchase process to get a Home Flood policy for your other properties.
    5. I have a home (fire) insurance policy from a bank and my policy is still active. Can I still purchase Home Flood Insurance from Fatberry?
      Yes, you can still purchase Home Flood Insurance as home insurance by bank typically does not cover home contents. You can check this with your bank (mortgage) for further clarification

POLICY SERVICING & CLAIMS

    1. Can I cancel my policy?
      You may cancel your policy by giving written notice to us. Upon cancellation, you are entitled to a refund of the premium based on Tokio Marine’s short-period rates for the period of the policy which has been in force, subject to the minimum premium to be retained by us. No refund premium is allowed if there is a claim under the policy.
    2. What do I need to do if there are changes to my personal details?
      It is important that you inform us of any change in your contact/personal details to ensure that all correspondences reach you in a timely manner. You can provide your updated details via email to customer.service@fatberry.com or call us at +6011 2612 8112.
    3. How do I make a claim for Home Flood Insurance?
      1. You can either notify Fatberry (+6011 2612 8112 / claim@fatberry.com) or Tokio Marine (1800-88-0812 / tmim.claimsnonmotor@tokiomarine.com.my) immediately giving details such as the nature and extent of loss or damage
      2. Notify the police immediately for theft incident
      3. Record evidence by taking photographs of the damages and/or point of entry
      4. Work with us by cooperating with the Adjusters when called upon
    4. What are the documents required to support a claim?
      • Completed Claim Form
      • Written Statement of Claim detailing the items lost/damaged
      • Estimate of repairs for damaged building
      • Purchase invoices/receipts/valuation reports of the stolen/damaged items
      • Photographs depicting the damaged items or premise of loss/damage (if no Adjusters is appointed)
      • Final repair/replacement bills(s)
      • Any additional information and documents as may be required by Insurers or Adjuster other than above
    5. How long do I have to wait to get my claim?
      You can check your claim status by calling Tokio Marine’s hotline 1800-88-0812 or email to tmim.claimsnonmotor@tokiomarine.com.my. Alternatively, you can contact Fatberry at customer.service@fatberry.com or call us at +6011 2612 8112.
    6. What is an adjuster and what do they do?
      The adjuster works for the insurance company paying the claim. They will review what happened and estimate the claims payment. The adjuster may inspect the damages, look at police reports, talk to witnesses, or ask for more information when reviewing your claim.

 

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Jenis-Jenis Insurans Di Malaysia

Jenis-Jenis Insurans Di Malaysia

by | Oct 19, 2022 | General Insurance

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Jenis-Jenis Insurans di Malaysia

Insurans adalah dianggap sesuatu remeh bagi sesetengah orang. Ini kerana mungkin insurans tidak dianggap penting, lebih-lebih lagi jika anda adalah salah seorang anak muda yang sihat dan tidak mempunyai tanggungjawab yang besar.

Insurans secara dasarnya penting untuk anda menjalani kehidupan seharian dengan lebih selamat dan teratur. Terdapat pelbagai jenis insurans di Malaysia yang anda perlu tahu dan jika anda sedang mempunyai dilema tentang keperluan insurans di dalam kehidupan seharian, anda perlu tahu kepentingan mempunyai insurans seperti:

1. Mempunyai penjagaan kesihatan yang berkualiti
2. Bertindak sebagai tabung kecemasan
3. Menjamin perlindungan pada harga yang berpatutan

Terdapat jenis-jenis insurans di Malaysia yang boleh anda pertimbangkan untuk ambil bagi menjamin masa hadapan yang lebih cerah. Fatberry ingin menjelaskan setiap jenis insurans di Malaysia kepada anda supaya anda dapat membezakan kepentingan setiap insuran yang diperlukan bagi menjalankan kehidupan seharian yang lebih selamat.

Insurans Perubatan

Kesihatan adalah anugerah yang tidak patut kita sia-siakan. Tidak boleh dinafikan, tahap kesihatan seseorang boleh merundum mengikut peningkatan umur.
Di Malaysia, kita dianggap bertuah kerana kita boleh mendapatkan akses ubat-ubatan yang mudah melalui klinik atau hospital kerajaan tetapi bagaimana jika anda mahukan bantuan kecemasan yang lebih cepat daripada apa yang ditawarkan oleh klinik/hospital kerajaan?

Anda perlulah ada tabung kecemasan yang boleh digunakan di saat-saat genting seperti ini. Insurans perubatan adalah pilihan yang penting dan bijak bagi anda untuk bersedia di masa hadapan!

Apakah kepentingan insurans perubatan?

Kepada anda yang ingin mula melanggan insurans perubatan, Fatberry menyarankan anda untuk ketahui kepentingan insurans perubatan:

1. Kos perubatan semakin meningkat kerana jangkaan inflasi yang akan berlaku
2. Perlindungan lebih kompresif
3. Tempoh menunggu di hospital swasta lebih cepat berbanding hospital kerajaan

Adakah mempunyai jenis insuran perubatan berbaloi?

Insurans perubatan individu akan berharga lebih kurang RM 100 ke atas mengikut setiap pakej yang di tawarkan.

Anda akan diberi kad perubatan yang anda boleh gunakan untuk menampung kos rawatan anda. Ia amat berguna pada masa kecemasan, lebih-lebih lagi jika anda selalu mempunyai masalah kewangan di hujung bulan.

Kami di Fatberry juga menawarkan servis pembelian insurans perubatan! Ketahui kebaikan membeli insurans perubatan melalui laman sesawang Fatberry di sini.

Insurans Nyawa

Selain insurans perubatan yang dianggap penting dan wajib untuk anda ada, jenis insurans lain yang boleh pertimbangkan adalah insurans nyawa.

Insurans nyawa atau life insurance ini penting untuk anda membantu kewangan anda dan ahli keluarga anda ketika ada kematian atau mengalami hilang upaya kekal dan lain-lain.

Apa perbezaan di antara insurans perubatan dan insurans nyawa?

Insurans Perubatan Insurans Nyawa
Jenis insurans ini sangat penting bagi membantu anda dalam kes kecemasan. Insurans perubatan termasuk memberi perlindungan kepada anda untuk membayar perbelanjaan kesihatan dan perubatan. Jenis insurans ini, membolehkan anda bersedia pada ketidakpastian yang mungkin akan berlaku kepada anda atau ahli keluarga anda seperti kematian mengejut, hilang upaya kekal, penyakit kritikal atau penyakit terminal.

Dengan insurans nyawa, anda tidak perlu risau jika terdapat kematian mengejut di antara ahli keluarga anda kerana ia adalah persediaan bantuan kewangan yang akan mengurangkan beban anda. Untuk pengetahuan anda, dengan pembelian insurans nyawa, anda boleh membuat pelepasan cukai sehingga RM 6,000.

Insurans Perjalanan

Ingin melancong di tempat yang menarik tetapi takut akan kemalangan yang boleh berlaku? Insurans perjalanan adalah jenis insurans yang anda perlukan untuk mendapat perlindungan yang selamat!

Dengan membeli insurans perjalanan anda melindungi diri anda dan orang yang tersayang daripada segala risiko atau kerugian kewangan sebelum dan ketika anda melancong.

Apakah kepentingan insurans perjalanan?

Insurans perjalanan amat penting jika berlaku perkara-perkara yang tidak diingini ketika melancong seperti:

1. Perlindungan untuk kecemasan perubatan di tempat perlancongan
2. Perlindungan kematian akibat kemalangan & kemalangan penerbangan
3. Kehilangan bagasi ketika melancong
4. Kehilangan wang, passport atau dokumen penting
5. Pembatalan perjalanan atas sebab peribadi

Di manakah anda boleh dapatkan insurans perjalanan?

Jika anda tertanya-tanya dia mana anda boleh dapatkan insurans perjalanan dari syarikat tempatan, jangan risau! Jika anda ingin membuat perbezaan dan membeli insurans perjalanan anda yang tersendiri, layari laman sesawang Fatberry.

Insurans Rumah

Selain jenis insurans yang berkaitan dengan kesihatan, anda juga boleh mendapatkan insurans rumah. Rumah adalah tempat perlindungan sesebuah keluarga atau individu, bagi orang kebanyakkan, kos untuk membeli rumah sangat mahal dan mereka selalunya menggunakan simpanan wang daripada tabung hayat.

Apakah kepentingan insurans rumah?

Pelbagai situasi yang tidak dijangka boleh berlaku apabila anda memiliki rumah, sebagai contoh:

1. Bencana alam yang boleh merosakkan rumah
2. Kerosakan rumah
3. Kebakaran rumah

Apakah jenis-jenis insurans rumah?

Untuk pengetahuan anda, terdapat tiga jenis insurans rumah yang anda perlu tahu iaitu polisi pemilik rumah, polisi isi rumah dan polisi kebakaran asas. Perlindungan yang berbeza di tawarkan untuk setiap polisi insurans.

Polisi Isi Rumah Polisi Pemilik Rumah Polisi Kebakaran Asas
Polisi ini termasuk barangan di dalam rumah sebagai contoh perabot, perkakas rumah, harta peribadi dan lain-lain. Polisi ini bertindak untuk melindungi struktur fizikal hartanah seperti dinding, bumbung, pintu pagar dan lain-lain. Polisi ini diperlukan untuk melindungi kerosakan atau kerugian harta kediaman anda (tidak termasuk isi rumah) yang di sebabkan bencana alam dan kebakaran.

Insurans Kereta

Insurans kereta adalah salah satu insurans yang dibeli secara tahunan untuk setiap pemilik kenderaan. Jika anda pemilik kereta atau motosikal anda mungkin sudah terbiasa dengan pembelian insurans kereta.

Adakah anda tahu bahawa apa yang terjadi jika anda tidak memperbaharui insurans kereta anda? Anda boleh dikenakan denda jika anda memandu tanpa insurans kereta dan cukai jalan.

Apakah kepentingan insurans kereta?

Terdapat pelbagai kepentingan insurans kereta yang anda perlu tahu, seperti:

1. Dapat membantu jika berlaku bencana alam seperti banjir
2. Boleh mengelakkan saman
3. Dilindungi jika terdapat kecurian dan kebakaran kereta
4. Diberikan bantuan ketika waktu kecemasan seperti tersadai di tepi jalan

Apakah jenis insurans kereta yang ditawarkan?

Tiga jenis insurans kereta yang patut anda ketahui adalah:

Pihak Ketiga Pihak Ketiga, Kebakaran dan Kecurian Komprehensif
Jenis insurans ini digunakan untuk melindungi kerosakan, kecederaan atau kematian pihak ketiga tetapi ia tidak melindungi kenderaan anda. Jenis insurans ini sama seperti insurans pihak ketiga tetapi dengan tambahan kerosakan (kebakaran atau kecurian) pada harta benda pihak ketiga. Jenis insurans ini adalah yang paling lengkap. Ia melindungi pihak ketiga dan kenderaan anda. Anda juga boleh membuat tambahan pilihan seperti mendapatkan perlindungan untuk cermin depan, peril khas, pampasan untuk masa pembaikan dinilai (CART), liability undang-undang kepada penumpang, e-hailing dan lain-lain.

Beli insurans kereta anda di Fatberry

Ya, anda boleh membuat perbezaan, membuat pakej anda sendiri dan membeli insurans kenderaan di Fatberry!
Terdapat beberapa jenis syarikat yang menawarkan insurans kenderaan di laman web Fatberry, seperti:

  1. AXA Affin General Insurance Berhad
  2. Allianz General Insurance Company (Malaysia) Berhad
  3. Am General Insurance Berhad
  4. Berjaya Sompo Insurance Berhad
  5. Etiqa General / Takaful Berhad
  6. Great Eastern General Insurance
  7. Kurnia Insurans (M) Berhad
  8. Lonpac Insurance Berhad
  9. MPI Generali Insurans Berhad
  10. MSIG Insurance Berhad
  11. RHB insurance Berhad
  12. Syarikat Takaful Malaysia Am Berhad
  13. Tune Protect Group Berhad
  14. Tokio Marine Insurans Berhad
  15. Takaful Iklas General Berhad
  16. Zurich General Insurance/ Takaful Malaysia Berhad

    _________________________________________________________________________
    Fatberry adalah platform yang menawarkan insuran-insuran yang terbaik dalam talian. Anda boleh memilih dari pelbagai jenis insuran daripada harga yang terendah! Jenis-jenis insuran yang ditawarkan di dalam laman sesawang Fatberry adalah insuran kereta, motor, kesihatan, pelancongan dan akan datang, insuran denggi.

*The content provided is for informational purposes only. Fatberry makes no representations as to the accuracy or completeness of any information on this site or found by following any link on this site. Should you require more information on our products, please refer to fatberry.com or contact us. 

 

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