Year: 2017
Iklankan percuma di sini
Ramai peniaga tak tahu, mereka boleh gunakan iklan percuma untuk promosikan bisnes mereka. Contohnya, anda boleh gunakan Mudah.my, Lelong.my dan mana-mana website yang menawarkan produk pengiklanan percuma.
Apabila anda iklankan bisnes anda menggunakan iklan percuma di internet, pelanggan akan berhubung secara terus dengan anda. Seperti anda iklankan bilik kosong di iBilik. Anda kena letakkan gambar produk, maklumat produk termasuk maklumat diri anda untuk memudahkan pelanggan menghubungi anda. Bila anda dah iklankan bilik tersebut, bakal penyewa akan hubungi anda untuk dapatkan maklumat lanjut mengenai bilik kosong tersebut.
Kami akan kongsikan dengan anda, antara website yang anda boleh iklankan produk anda secara percuma.
1. Mudah.my
Ini merupakan antara website yang paling popular dalam kalangan kita. Biasanya, orang akan pergi ke website ini untuk cari bilik atau rumah untuk disewa, nak beli gajet dengan harga yang murah dan sebagainya.
Bagi peniaga, anda boleh iklankan produk anda di Mudah.my kerana mereka menawarkan pengiklanan percuma untuk produk anda. Lagi pula, ia sudah pun dikelaskan mengikut kategori masing-masing seperti kereta, perabot, hobi, peralatan elektronik dan banyak lagi. Pembeli pula dapat mencari barang-barang dan servis yang mereka perlukan dengan mudah.
2. iBilik
Ia merupakan portal pengiklanan bilik terbesar di Malaysia. Ia sangat sesuai dengan peniaga yang telibat dalam bidang hartanah. Ia khas untuk peniaga yang ingin menyewakan unit kediaman mereka atau untuk sewakan bilik kepada bakal pelanggan yang memerlukan.
3. Lelong.my
Lelong.my memberi peluang kepada peniaga untuk mengiklankan produk mereka di website tersebut. Anda juga boleh membuat jualan lelong bermula dengan harga RM1. Di Lelong.my, ia menyediakan platform e-commerce yang lengkap untuk kemudahan para pembeli. Pelanggan juga disediakan dengan pelbagai produk dan perkhidmatan dari lebih daripada 10,000 penjual.
4. 11st (11 Street)
Anda juga boleh promosikan produk secara percuma di 11 st. Ia merupakan portal shopping online terbaru yang menghubungkan pelanggan dengan pelbagai produk berkualiti pada harga yang kompetitif, dalam persekitaran yang boleh dipercayai dan selamat untuk pembeli dan penjual. Ia adalah usaha sama antara dua nama yang ditubuhkan iaitu Celcom Axiata Bhd dan SK Planet Ltd. Celcom Axiata adalah kumpulan telekomunikasi mudah alih yang paling berpengalaman manakala, SK Planet memiliki kedai online yang terbesar di Korea Selatan.
5. Lazada.com
Pasaran Lazada sangat luas kerana ia meliputi negara seperti Indonesia, Filipina, Singapura, Thailand dan Vietnam. Jadi, pelanggan anda bukan sahaja dari Malaysia, malah pelanggan dari luar negara juga akan kenal dengan produk anda. Sama seperti Lelong.my, Lazada juga menyediakan tempat untuk anda menjual dan membeli. Setiap barang yang dibeli akan dibayar dengan online payment dan barang akan sampai kepada pelanggan seperti mana tempoh yang telah ditetapkan.
6. Group di Facebook
Anda juga boleh gunakan Facebook untuk iklankan produk anda. Anda boleh iklankan melalui group-group Facebook yang anda join. Anda juga boleh ‘invite’ rakan-rakan media sosial anda untuk turut serta join kumpulan perniagaan online ini.
7. Majalah.com
Majalah.com juga merupakan antara website yang menyediakan platform pengiklanan percuma untuk para peniaga di Malaysia. Pasarannya juga meliputi seluruh Malaysia. Anda boleh iklankan produk kesihatan, servis, perabot, aksesori, perhotelan, pencarian pekerja dan sebagainya.
Anda juga boleh iklankan produk anda di Iklankosmos.com. Ia menyediakan anda laman iklan percuma untuk mempromosikan produk jualan anda. Untuk pendaftaran, anda hanya perlu layari website iklankosmo.com dan patuhi terma dan syarat yang ditetapkan.
9. Iklan101.com
Dengan tagline ‘Ultimate Advertising Solution’, Iklan101 menawarkan tempat untuk para peniaga mengiklankan perniagaan mereka. Ia hanya khas untuk warganegara Malaysia sahaja. Konsep yang digunakan hampir sama dengan Mudah.my, di mana pelanggan boleh membeli secara terus daripada peniaga.
Di Bazariaonline.com juga, anda boleh iklankan produk anda tanpa dikenakan bayaran. Anda hanya perlu ‘sign in’ untuk mendaftar akaun dan ‘log in’ untuk memuat naik produk anda di laman web tersebut.
Yang menariknya mengenai website ni, anda boleh masukkan link media sosial anda untuk pelanggan buat rujukan. Jadi, anda bukan sahaja dapat buat promosi di Bazariaonline.com, malah dapat perkenalkan pelanggan dengan perniagaan melalui link yang disediakan.
Sekarang, anda dah boleh cuba untuk menjenguk website yang kami kongsikan untuk memasarkan produk anda secara percuma, tanpa perlu mengeluarkan kos yang tinggi.
Rujukan dari nukilan azizanosman.com
Ingin tahu bagaimana untuk menguruskan Technical Training untuk pusat servis kereta?
Ingin mempelajari pengurusan pusat servis kereta?
Assalamualaikum dan salam sejahtera.
Sekiranya anda berminat dalam bidang servis kereta, di sini disediakan e-Slide module untuk anda pelajari dengan terperinci kaedah pengurusan pusat servis. Kelas juga diadakan mengikut tarikh yang akan ditetapkan nanti.
Di samping itu anda boleh melayari halaman web http://irsukhairul.com/e-book/ untuk e-Book pilihan masa kini. Sekian terima kasih.
Perancangan kewangan bulanan untuk capai impian anda
Assalamualaikum. Untuk berjaya kita kena ada perancangan yang terbaik dan paling penting adalah perancangan kewangan bulanan. Tanpa perancangan kewangan yang lengkap maka amat sukarlah kita untuk capai impian. Di sini saya sertakan contoh bagaimana nak buat perancangan kewangan bulanan anda.
Berdasarkan kepada contoh di atas, perancangan untuk dapat apa yang diinginkan dapat kita rancang dan lihat perbezaan antara perbelanjaan terkini dibandingkan dengan bakal pembelanjaan bila kita berjaya kelak. Contoh ini memudahkan untuk kita rancangkan keuntungan yang kita inginkan sekiranya kita menjalankan perniagaan.
Zaman teknologi yang berkembang pesat dan cabaran serta tanggungjawab jurutera atau saintis Islam
Sebagai manusia yang menjaga peradaban Islam, apakah tanggungjawab kita? Bincangkan….
Berdagang ke negara China
Perdagangan dua hala antara China dan Malaysia
Negara Malaysia adalah negara yang paling banyak berdagang dengan negara China sejak tahun 2009 hingga 8 tahun berturut-turut.(2008 – 2015). Total eksport negara China ke Malaysia adalah RM98.56 billion dan total import dari Malaysia adalah RM142.35 billion.
Pada tahun 2016, jumlah perdagangan dengan China adalah RM240.9 billion di mana total eksport China ke Malaysia adalah berjumlah RM98.56 billion dan total import dari Malaysia ke China adalah berjumlah RM142.35 billion.
Pada Januari hingga April 2017, jumlah perdagangan China dengan Malaysia adalah berjumlah RM91.36 billion. Total export China ke Malaysia adalah RM39.27 billion dan total import China dari Malaysia adalah RM52.09 billion.
Pada zaman dulu China terkenal dengan gunpowder(serbukpeluru), kompas, percetakkan dan pembuatan kertas. Pada zaman sekarang iaitu abad ke 21 China terkenal dengan keretapi berkelajuan tinggi, perkongsian perniagaan, perdagangan elektronik dan Alipay.
Kenapa negara China boleh menjadi kuasa ekonomi besar dunia?
Ianya disebabkan terdapat wujudnya bilangan kelas pertengahan yang besar, mempunyai kebolehan untuk meyakinkan kawasan-kawasan sekeliling mereka, sistem pengangkutan dan jalan raya serta keretapi yang baik yang membolehkan kos serta masa yang lebih efisen untuk pengedaran bahan perkilangan. Asas ekonomi yang kukuh dan daya aktif aktiviti perniagaan yang lebih tinggi. Bandar Tier ke 2 dan ke 3 lebih menjadi tumpuan syarikat besar terutamanya jenama luar.
Apakah peranan kita usahawan Malaysia dalam jihad ekonomi pula?
Melindungi rumah anda dari perbagai risiko dengan takaful atau insuran perlindungan
Assalamualaikum.
Apa kata anda menyumbangkan sedikit dana untuk memastikan rumah kesayangan anda dilindungi dari segala risiko seperti kebakaran, ribut taufan, banjir, kecurian dan berbagai lagi. Inshaa Allah dengan keperihatinan kita sedikit sebanyak dapat membantu kita sendiri dan keluarga kita juga. Mohon kongsikan pada yang lain.
Customer Database Template dan punca rezeki yang tidak boleh diketepikan
Assalamualaikum.
In order to retain our customer for customer satisfaction as well for our next repeat order, we need to compile and keep all our customer database in our filing system. Below is one of an example for customer database template and if you need this soft copy you can email to info@irsukhairul.com and mention your name and handphone number. After email then you need to whatsapp to 0122515093 mention that you have email to the email address given. Kindly share this information to others by sharing in your facebook or other social media tools. Thanks.
Allianz Business Insurance
1) ASSETS
a) Fire & Property
i) Fire Insurance
Product Info
Fire insurance covers your property against losses or damages caused by fire, lightning and explosion caused by domestic gas.
The policy can be extended to cover the following risks by paying additional premium:
- Aircraft Damage
- Earthquake and volcanic eruption
- Storm, Tempest
- Flood
- Explosion
- Impact Damage
- Bursting or Overflowing of Water Tanks Apparatus or Pipes
- Bush / Lalang
- Subsidence and Landslip
- Spontaneous Combustion
- Riot Strike and Malicious Damage
- Damage by Falling Trees or Branches and Object
ii) Fire Consequential Loss Insurance
Product Info
Fire Consequential Loss insurance covers loss of profit upon business interruption due to fire or other extended perils covered under the Standard Fire policy.
Coverage:
- Loss of profits
- Loss of revenue
- Loss of rental
- Standing charges
- Wages or salaries on payroll basis
- Increase cost of working due to business interruption
Extended Coverage with additional premium:
- Prevention of Access
- Public Utilities
- Infectious or Contagious Diseases
- Suppliers within Malaysia, Singapore or Brunei
- Customers within Malaysia, Singapore or Brunei
- Accountant’s fees
Click ——–> Fire Consequential Loss Insurance Proposal Form
Click——–>Fire Consequential Loss Insurance Product Disclosure Sheet
iii) All Risks Insurance
Product Info
The All Risks insurance covers all risks except the risks which are specifically outlined to be excluded in the policy.
Coverage:
- Losses or damages to your property due to fire, theft or any other accidents or misfortunes
- Losses or damages caused by perils unless such perils are specifically excluded in the policy
Click———–>All Risks Insurance Proposal Form
Click———> All Risks Insurance Product Disclosure Sheet – BM Version
iv) Burglary Insurance
Product Info
Burglary insurance provides protection against incidents of theft to your property. This policy covers losses or damages to your property and its contents in your business premise due to:
- Theft by actual, forcible and violent entry
- Theft or attempted theft by a person feloniously concealed on the said premises
- Hold-up or armed robbery
You can either insure your property:
- FULL VALUE BASIS
This basis is adopted when there exists a possibility of your entire property insured being stolen at any one time. You must ensure adequacy of the sum insured since the insurance will be subject to the Average Clause where you will not be fully indemnified at the time of loss if the property is under insured. The correct sum insured should be what you consider to be the highest value at risk at any one time.
- FIRST LOSS BASIS
This basis is adopted when it is not possible for your entire property insured to be stolen at the same time. The sum insured shall be based on your assessment.
Click———–> Buglary Insurance Proposal Form
Click———> Buglary Insurance Product Disclosure Sheet – BM Version
v) Public Liability
Product Info
Public Liability insurance is considered essential in businesses which involve regular interactions between the members of the public and the company such as retail businesses, restaurants, clinics and many more. The Public Liability insurance covers your legal liability to a third (3rd) party as a result of an accident happening in connection with your business operations. The insurance indemnifies you against all sums which you become legally liable for damages and claimant’s costs and expenses in respect of:
- Bodily injuries including illnesses to any person
- Losses or damages to property
- Legal expenses incurred in your legal proceeding defence
Click ————> Public Liability Proposal Form
Click ——–> Public Liability Product Disclosure Sheet – BM Version
b) Marine
i) Marine Cargo Insurance
Product Info
Protecting marine insurance risks has been one of Allianz’ core activities since the formation of the Allianz Group in 1890. With over 100 years of marine insurance experience, we continue to offer our clients comprehensive marine insurance solutions. Through the Marine Cargo insurance, we provide you with high level protection against all risks during the transportation of goods and merchandise – anywhere from the time your goods leave the premises of the seller until the time they arrive at the buyer’s premises. It covers the loss or damage to during the movement of the cargo from one port or country to another. The conveyance can be by Sea, Air or Land. Either the buyer or the seller can purchase the Marine Cargo insurance depending on your sales contract which most commonly is Free On Board (FOB), Cost and Freight (C&F) or Cost, Insurance and Freight (CIF).
- Wide range of Allianz Marine Cargo products
- Global technical expertise plus local knowledge for all classes of marine insurance
- Worldwide claims network and local claims handling capability
- Inspection and risk management service capabilities
- Tailored to Individual Policies (per shipment basis) or Open Cover Policies (provides automatic protection for regular import or export shipments or domestic trades)
Click———>Marine Cargo Insurance Proposal Form
Click———->Goods In Transit Insurance Proposal Form
Click———>Marine Cargo Insurance Product Disclosure Sheet – BM Version
ii) Marine Hull Insurance
Product Info
Protecting marine insurance risks has been one of Allianz’ core activities since the formation of the Allianz Group in 1890. With over 100 years of marine insurance experience, we continue to offer our clients comprehensive marine insurance solutions. Through the Marine Hull insurance, we provide you with high level protection to cover loss or damage to various types of ships or vessels and their equipment, including specialist cover for other marine insurance options and interests: Hull and Machinery, War and Strikes, Brown Water Hull, Offshore and Support Vessels, Yachts and Pleasure Craft, Third Party Liability, Increased Value, Builder’s Risk.
- Wide range of Allianz Marine Hull products
- Global technical expertise plus local knowledge for all classes of marine insurance
- Worldwide claims network and local claims handling capability
- Inspection and risk management service capabilities
Click———–>Marine Hull Insurance Proposal Form
Click———->Marine Hull Insurance Product Disclosure Sheet – BM Version
iii) Trade Credit Insurance
Product Info
Running a business poses many challenges especially those which are beyond your control. When your customer does not pay for the goods and services rendered, you are faced with a credit risk which can affect the quality of your bottom line and your profitability. Trade Credit Insurance protects your business with account receivable protection against losses due to credit risks such as customer’s insolvency, bankruptcy and failure to meet agreed payment terms and conditions. This insurance insures your company against your customers’ failures in paying their trade credit debts owed to you. As such, the trade credit insurance gives you the confidence to grow your business by minimizing your credit risk exposure, enhancing your relationship with customers, forging new customer relationships, improving banking relationships and access to finance.
- Simple, affordable and easy to implement trade-related insurance solutions
- Flexible trade-related insurance solutions tailored to the needs of companies of various sizes
- Domestic and worldwide – wherever you trade
Click ——–>Trade Credit Insurance Proposal Form
Click ——->Trade Credit Insurance Proposal Form -buyer list
Click——>Trade Credit Insurance Product Disclosure Sheet – BM Version
c) Engineering & Machines
i)Contractors’ All Risks Insurance
Product Info
Contractors’ All Risks Insurance cater mainly to the protection needs of the construction industry. This policy is designed to provide protection against losses or damages in respect of the contract works at contract site and third (3rd) party claims arising in connection with the construction of a project. With additional premium, the cover may include Construction Plant and Equipment, Construction Machinery, Removal of Debris, Professional Fees and Principal’s Existing Property. Duration of cover corresponds with the contract period which is stipulated in the Letter of Award.
Click———>Contractors’ All Risks Insurance Proposal Form
Click———>Contractors’ All Risks Insurance Product Disclosure Sheet-BM Version
ii)Erection All Risks Insurance
Product Info
The Erection All Risks insurance covers all kinds of erection and testing on individual machine, industrial machinery, industrial plants, steel works and/or structure as well as third (3rd) party property and/or bodily injury arising in connection with the erection work. The cover may include Civil Engineering Works, Equipment for Erection, Removal of Debris, Professional Fees and Principal’s Existing Property. Duration of cover corresponds with the contract period which is stipulated in the Letter of Award.
Click———>Erection All Risks Insurance Proposal Form
Click———–>Erection All Risks Insurance Product Disclosure Sheet-BM Version
iii)Boiler & Pressure Vessel Insurance
Product Info
The Boiler and Pressure Vessel insurance provides coverage against explosion of any boiler or pressure vessel insured whilst in the course of ordinary work.
Coverage:
- Damages (other than by fire) to any boiler or pressure vessels or other apparatuses
- Damages to auxiliaries and surrounding properties (e.g. buildings and machineries)
- Death of or bodily injuries to third parties
- Damages to third party properties
Click——->Boiler & Pressure Vessel Insurance Proposal Form
Click——->Boiler & Pressure Vessel Insurance Product Disclosure Sheet-BM Version
iv)Machinery & Equipment Insurance
Product Info
Machinery & Equipment Insurance is designed to cover immobile industrial or commercial equipment. It covers various risks such as fire, lightning, theft and external accidental damage.
Click——->Machinery & Equipment Insurance Proposal Form
Click——->Machinery & Equipment Insurance Product Disclosure Sheet – BM Version
v)Machinery Breakdown Insurance
Product Info
Many businesses have invested large sums of money into acquiring machineries that fit their specific business requirements. However, these machineries can potentially breakdown or stop working. The Machinery Breakdown insurance provides cover against sudden and unforeseen physical damage to your machineries whether at work or at rest and during cleaning, inspection, over-hauling, and removal to another position within the premises. The policy covers all accidental damages or losses due any causes except those specifically excluded in the policy.
Click——–>Machinery Breakdown Insurance Proposal Form
Click——>Machinery Breakdown Insurance Product Disclosure Sheet-BM Version
2) EMPLOYEES
a) Workers & Employers
i)Foreign Workers Insurance
Product Info
In Malaysia, foreign workers are employed in the sectors of manufacturing, construction, plantation, agricultural, services and domestic help such as restaurant, cleaning services, cargo handling, launderette, golf course caddy, barber, wholesale and retail, textile, metal scraps and recycle activities, welfare homes and hotels.
Foreign Workers Insurance Guarantee (FWIG)
Foreign Workers Insurance Guarantee (FWIG) is a guarantee required by the Malaysian Immigration Department from employers as a security deposit for the employment of foreign workers in Malaysia. FWIG guarantees to cover repatriation expenses in the event where your foreign worker is required by the authorities to be sent back to his country origin during his stay in Malaysia. Duration of cover set by the Immigration Department is eighteen (18) months. A new FWIG is required upon renewing the foreign workers permit. The total premium payable varies depending on the nationality of the foreign worker and Allianz underwriting requirements.
Foreign Workers Compensation Scheme (FWCS)
The Foreign Workers Compensation Scheme (FWCS) protects the welfare and interests of foreign workers in Malaysia. The scheme pays the compensation benefits to a foreign worker with valid employment document for injuries sustained or death due to an accident arising out of or during his course of employment. Under Section 26 of the Workmen’s Compensation (Amendment) Act 1996, it is mandatory for Employers to insure all their foreign workers under the FWCS.
Coverage:
- Accidental death: RM25,000 (working hours) or RM23,000 (off working hours)
- Permanent disablement: Up to RM23,000 (working hours) or RM23,000 (off working hours)
- Temporary loss of income due to temporary disablement
- Hospitalisation & medical expenses: Up to RM750
- Repatriation due to death or permanent disablement: RM4,800
Foreign Workers Plus (FW Plus)
The Foreign Workers Plus is specially designed to give additional cover on top of the compulsory Foreign Worker Compensation Scheme (FWCS). Besides existing FWCS policyholders of Allianz, employers who have purchased FWCS from other insurers are also eligible to purchase this policy.
Coverage:
- Accidental death or permanent disablement: RM10,000
- Medical and surgical expenses: RM2,000
- 24-hour worldwide coverage
- Extended to cover Strike, Riot and Civil Commotion, Hijacking, Food and Gas Poisoning, Drowning, Unprovoked Murder and Assault, Insects, Snakes and Animal Bites, Disappearance, Natural Disaster, Exposure to Natural Elements and Motorcycling
Foreign Workers Hospitalization and Surgical (FWHS or SKHPPA)
The Foreign Workers Hospitalisation and Surgical (FWCS or SKHPPA) is specially designed in view of increasing hospital and surgical costs and to reduce the financial burdens of employers of foreign workers in Malaysia in the event of hospital admission of their foreign workers due to an accident or illness. FWCS/SKHPPA allows foreign workers a cashless admission into government hospitals under a Third (3rd) Class Room and Board basis but exception is given to cases which require emergency treatment at private hospitals.
Coverage:
- Daily hospital room & board: Up to 30 days; Up to RM160 per day
- Intensive Care Unit (ICU): Up to 15 days
- Hospital supplies and services, operating theatre, surgical fees, anaesthetist fees, ambulance fees / medical report fees
- In-hospital physician visits: Up to 30 days
- In-hospital specialist consultation visits: Up to 30 days
- Maximum overall annual limit: RM20,000
Click—–> Foreign Workers Insurance Brochure
Click—–> Foreign Workers Insurance Proposal Form
Click—–> Foreign Workers Insurance Guarantee Product Disclosure Sheet
Click—–> Foreign Workers Compensation Scheme Product Disclosure Sheet
Click—–> Foreign Workers Compensation Scheme Policy Wording
Click—–> Foreign Workers Plus Product Disclosure Sheet
Click—–> Foreign Workers Plus Policy Wording
Click—–> Foreign Workers Hospital & Surgical Product Disclosure Sheet
Click—–> Foreign Workers Hospital & Surgical Policy Wording
ii) Workmen’s Compensation
Product Info
The Workmen’s Compensation insurance provides coverage to you as an employer in respect of your statutory liabilities under the Workmen’s Compensation Law(s) as well as the Common Law to your employees who are generally not covered by SOCSO.
This insurance indemnifies you against all sums for which you shall be liable to pay compensation to any employees for personal injuries sustained due to accidents or occupational diseases arising out of and in the course of employment under:
- The Workmen’s Compensation Act 1952 and the subsequent amendments to the Act or
- The Common Law: The standard Common Law limit is RM1,000,000 any one accident and in the aggregate
Click——->Workmen’s Compensation Proposal Form
Click——->Workmen’s Compensation Product Disclosure Sheet
iii)Allianz Care SMI
Product Info
Allianz Care SMI offers comprehensive group medical insurance designed for small and medium sized industries (SME) of mainly 5 to 350 employees. With Allianz Care SMI, you can be assured that your employees will have adequate medical coverage and their welfare is well taken care of.
Coverage:
- Medical coverage
- Surgical expenses
- Cashless admission facility
- Easy administration
- 24-Hour Toll Free Medical Assistance
- Outpatient cancer treatment and outpatient kidney dialysis
- Overall annual limit from RM 10,000 up to RM 70,000
- Can be extended to cover Outpatient Clinical and Group Personal Accident
Click——->Allianz Care SMI Brochure
Click——->Allianz Care SMI Proposal Forms
Click——->Allianz Care SMI Product Disclosure Sheet
Click——->Allianz Care SMI Policy Wording
Click——->Allianz Care SMI Addendum
iv) SME Choice
Product Info
We understand the needs of Small Medium Enterprises (SMEs) and have designed Allianz SME Choice specifically for you. Let us help to take care of your employees’ physical and financial wellbeing. Our comprehensive employee benefits plan for small medium enterprises offers extended employee benefits at great value for money. Set up for your easy entry and convenience, the fuss is kept minimal so you can focus on growing your business.
Allianz SME Choice offers you the flexibility to choose between Group Term Life and Group Hospitalisation & Surgical, or get both plans in one. It also comes with a wide range of plan selections and optional riders to boost your coverage according to your company’s needs.
Group Term Life
Ease the financial burden of their loved ones should anything happen to your employees.
- Coverage for Death /Total & Permanent Disability /Terminal Illness of up to RM300,000.
- Additional coverage from riders:
- Up to RM300,000 against critical illnesses.
- Up to RM300,000 against death and disablement caused by accidents.
Group Hospitalisation & Surgical
Give your employees peace of mind when they need to be hospitalised.
- Medical Coverage with High Overall Annual Limit (up to RM150,000).
- Fully covered Hospital Admissions (No Co-Payment required).
- Additional benefits from rider:
- Cashless medical card for quick, hassle-free convenience at panel clinics.
- Unlimited outpatient general practitioner care.
- Outpatient specialist care for up to RM1,800.
Special additional features
- Medical expenses for organ transplant.
- Alternative treatments (such as chiropractic, chiropody, homeopathy, osteopathy, acupuncture, traditional and complementary medicine) due to accidents.
v) Group Hospitalisation and Surgical
Product Info
Allianz Group Hospitalisation and Surgical scheme provides comprehensive medical coverage to your employees, their legal spouse and children.
- Medical and hospitalisation benefit
- Out-patient cancer treatment
- Out-patient kidney dialysis treatment
- Optional out-patient clinic which includes out-patient general practitioner care and out-patient specialist care
b) Group Personal Accident Types
i) Group Personal Accident
Product Info
Allianz Group Personal Accident insurance provides compensation to your employees in the event of injuries, disability or death caused solely by accidental, external and visible events.
Coverage:
- Accidental death and permanent disablement
- Personal accident
- Can be extended to cover Temporary Total Disablement and Temporary Partial Disablement and Medical Expenses
Click—–>Group Personal Accident Product Disclosure Sheet
Click—–>Group Personal Accident Quotation Request Form
Click—–>Group Personal Accident Renewal Review Form
Click—–>Group Personal Accident Policy Wording
ii) Drive Smart Shield
Product Info
The Drive Smart Shield insurance provides personal accident coverage to you and your passengers while travelling in the vehicle.
Coverage:
- Death and permanent disablement
- Medical expenses
- Renewal bonus up to 50%
Click—–>Drive Smart Shield Brochure
Click—–>Drive Smart Shield Proposal
Click—–>Drive Smart Shield Policy Wording
Click—–>Drive Smart Shield Product Disclosure Sheet
Click—–>Group Drive Smart Shield Personal Accident Proposal Form
iii) Special Occupation Group Personal Accident
Product Info
Special Occupation Group Personal Accident insurance is designed especially for people who are working in occupation groups which are normally excluded under the standard personal accident insurance, such as those working in the construction and manufacturing sectors, offshore platforms, etc. This insurance provides 24 hours protection in the event of injuries, disability or death solely caused by accidents.
Coverage:
- Accidental death
- Permanent disablement
- Medical expenses
Click——->Special Occupation Group Personal Accident Proposal Form
Click——->Special Occupation Group Personal Accident Product Disclosure Sheet
Click——->Special Occupation Group Personal Accident Policy Wording
iv) Timber Workers Group Personal Accident
Product Info
Allianz Timber Workers Group Personal Accident insurance provides workers from the timber industry with compensation in the event of injuries, disability or death caused solely by violent, accidental, external and visible events.
Coverage:
- Accidental death
- Permanent disablement
- Temporary Total Disablement
- Temporary Partial Disablement
- Medical or surgical treatment or hospitalisation expenses
- Travelling expenses
- Funeral expenses
Click——->Timber Workers Group Personal Accident
Click——->Timber Workers Group Personal Accident Product Disclosure Sheet
Click——->Timber Workers Group Personal Accident Policy Wording