PROPERTY

FIRE MATERIAL DAMAGE

it covers loss or damage to the property caused by fire, lighting and explosion (domestic). additional perils such as explosion (extended cover), earthquake, aircraft, strike, riot and civil commotion, smoke, bursting of pipes, impact, sprinkler leakage, flood, storm and malicious damage can be include at appropriate premiums.

FIRE BUSINESS INTERRUPTION / CONSEQUENTIAL LOSS

the fire material damage only provides indemnity to the insured in respect of loss of or damage to the tangible assets. any loss from a fire or major nature catastrophe such as earthquake, storm or flood could bring about serious disruption to the business activities of the insured in terms of loss or production, sales and consequently the earnings. it pays for the residual net profit and fixed charges resulting from interruption of business following loss or damage by fire and the insures perils.

HOUSEOWNERS

this policy covers the residential property, including its fixtures and fitting, garages, walls, gates and fences, against loss or damage by fire, lighting and explosion caused by gas used for domestic purposes, theft with violent / forcible entry or exit, liability to third parties for accidents for accidents in the property, etc.

HOUSEHOLDER

this policy covers the household goods against loss or damage due to fire, lighting and explosion caused by gas used for domestic purposes, theft by violent / forcible entry or exit, liability to third parties, etc.

PRODUCT OVERVIEW

PROPERTY

• fire
• fire consequential lose
• houseowners / householders

ENGINEERING

• boiler and pressure vessel
• contractor all risks
• erection all risks
• electronic equipment
• machinery breakdown
• storage tank

LIABILITY

• employers' liability
• foreign workers compensation scheme
• insurance guarantee
• workmen's compensation
• public liability
• product liability
• professional indemnity
• directors & officers liability

MISCELLANEOUS ACCIDENT

• all risks
• burglary / theft
• equipment
• fidelity guarantee
• money
• plate glass
• golfers insurance
• group personal accident
• travel insurance

MARINE, HULL & AVIATION

• cargo
• hull
• aviation
• goods in transit

MOTOR

• private car
• commercial vehicle
• motor cycle
• special type

OIL & GAS

• on shore
• off shore

GENERAL TAKAFUL PRODUCT

1. BUILDING / PROPERTY

2. PLAT / MACHINERY

3. CONTENTS

4. STOCK

5. EMPLOYEES

6. LIABILITY

7. GOODS

8. MOTOR VEHICLE

9. MONEY

10. CRIME

continue....;-)

STRATEGIC PRINCIPLE 4

4. People Development

MARKET INTELLIGENCE --> PRODUCT INNOVATION -->

MARKET COMMUNICATION -->TRAINING --> SALES --> REINSURANCE

--> CLAIMS

STRATEGIC PRINCIPLE 3

3. Channel Excellence

maximize channel reach & accessibility

• reach each potential customer
• offer multiple channels to all customers
• make full use specific strength of each channel

strategy

• make all responsible for Etiqa overall gross premium targets
• ensure that channels works complementarily, avoiding cannibalization (e.g. simple products through banca, flexible product through agents)
• increase agent productivity through aggressive agency force management, training and rationalization of the agency force
• maximize potential to cross / up sell to the maybank banking customer base
• reduce management complexity by rationalizing the number of branches and 3rd party banca partners
• leverage on takaful where possible to 3rd party banks to become preferred supplier
• transform branches to provide sales management to local distributors
• make support function co-responsible for the overall effectiveness of all channels

STRATEGIC PRINCIPLE 2

2. Product Optimization

obtain maximal differentiation

• cover all needs for target segments
• have all relevant products available
• be takaful champion
• serve customer's entire life cycle

strategy

• become a leader in product innovation for takaful product and a fast-follower in conventional products
• offer differentiated product to appeal/ meet needs of the target customer segments (including bundling products)
• focus on recurring premium product to build revenue base for future years; single-premium investment-linked would still be used to meet the targets
• actively manage product portfolio to maintain product differentiation
• limit product complexity and simplify underwriting processes

continue...;-)

STRATEGIC PRINCIPLE

1. CUSTOMER FOCUS

where we want to go??

Segment that are attractive:

• market size
• potential
• profitability

Strategy

• focus all commercial efforts on the segment that matters the most
• capture maximum value out of target market segment in an approach based on segment needs
• introduce a life-cycle approach to manage each customer
• introduce segment management to champion the development of products and channels for target segments

continue...;-)

BUSINESS AND MARKETING STRATEGY

CUSTOMER FOCUS

^ Achieve market leadership by focusing on attractive and addressable customer segments

PRODUCT OPTIMIZATION

^ Balance differentiation and complexity

CHANNEL EXCELLENCE

^ Enable the channel to bring the right products to the right customer

BMS FOUNDATION

The Business and Marketing Strategy is founded on Customer Focus, Product Optimization, Channel Excellence and People

Merger Master Plan (MMP)

Merger Aspirations

Ø Create shareholder value

- Becoming the National Insurance Champion

- Doubling profitability in 3 years

3 key requirement for value creation program

Ø Maximize top-line growth

- Maintain multi-channel distribution and strengthen channel management

- Built strategic marketing capabilities

- Strengthen product develop capabilities

- Achieve international growth at a later stage

↓

to be continue...;-)

WHY AND HOW BUSINESS & MARKETING DEVELOPED??

Business & Marketing Strategy (BMS) project was develop for the purpose of laying down a concrete foundation for strategic initiatives' implementation and approach that will ensure we achieve our 1 position in 2009, in line with top-line strategic objective outlined in the Merger Master Plan..

Situation * Merger Master Plan: To maximize top-line growth in order to become the National Insurance & Takaful Champion by 2009

Challenges * Profit growth requires gaining share in more attractive retail and enterprise customer segments

* However formidable competitors are entrenched in the attractive segments

* Therefore continuing to offer product that have "broad-based appeal to all" is not an option

Opportunitie * The above key issues present Etiqa Insurance & Takaful (ETIQA) with the opportunities..

- There is considerable latent demand for Takaful product for Muslim customers within the 4 target segments that can be capture with the right product, branding and channels

- Conventional insurance remain an attractive market with relative good growth potential, especially in single premium investment linked products

- Access to Maybank's wide banking network offer compelling opportunities to cross-sell/ upsell insurance & Takaful product to one of Malaysia's largest banking customer base

- The combined Etiqa entity brings increased capacity and strong linkages with PNB companies, offering opportunities for being a differentiated and preferred supplier to these enterprise customers

Broad Strategy * To appeal to its customers, Etiqa needs to strengthen a number of areas:

- A stronger focus on target segment (and understanding their specific needs)

- Differentiated products, tailored to the needs of these customers

- High performing distribution channels, to fully serve the needs of these customers

- Building a brand that represent an appealing, innovative and progressive insurer

INTERESTS TAKAFUL

SOMETHING THAT IS WHAT EVERYONE IS necessarily importance.Thus with this Islamic Insurance.

1. SAVINGS AND PROTECTION
THE IMPORTANCE, IT AS YOUR SAVINGS & PROTECTION.
How much percentage (%) of your salary saved to prepare your FUTURE?.
Maybe you agree with me, it is difficult to save money even in the BANK?
We are sure you can easily remove it?
If we intend to buy something we beg!
Although the goods that we do not need but because they are low-priced current MEGA SALES.
Takaful is only to ensure you save regularly.
Most individuals save in TAKAFUL for several reasons:
• For storage and preparation of income protection for families in the event of death.
• For old age income.
• For income in the event of permanent disability.
• Preparation for cash in case of emergency or any business opportunities.

2. EDUCATION CHILDRENTAKAFUL TO EDUCATION FOR YOUR CHILD because: --
• When they grow up, we mengkhendaki a good start.
• Payment is cheaper when contributions from now joined.
• Establish a savings that will make your child stand over their own feet when you reach old age.
• Because we expect our first father of our current policy to take our children children.
EDUCATION FUND
We all know that fees Fees semangkin increased each year. Percentage of time the number of children increased semangkin clever. Your child may be one of them. Education is the best gift for children that can be provided by parents. Of course children who dream career become parents. Competition for good jobs in the future is very high among people who are educated.
All people will find jobs that guarantee future, but what if your child is left behind in this competition because there is no financial assistance to further their studies while. Education policy is not very burdensome, but will show THE SUCCESS with your financial planning.

3. DISEASE / HOSPITAL BILIn society today, Heart Disease, Stroke, Cancer and kidney failure function is normal. Keadah modern medicine with all these problems can be overcome, but a lot of MONEY needed to meet the medical costs.When someone dijangkati disease, he needs treatment. In the process of this treatment, he needs time to recover for a long / healthy and worked as former. Kebiasannya payment for treatment is very high which will involve the people we love. As far as possible they will find the money regardless of the manner and way as long as we can come back healthy. Although forced to make a large debt which they will pay later.
• What will happen if we are not covered by critical illness benefit?
• When we semangkin reduced storage and dry?
• Kemana are we going? Bank or relatives?
• Thinking Housing Loan, Car Loan payable and other ...
If you are admitted to the hospital and have surgery and then you have no MONEY• Check Savings Account, how much money you have?
• IF NOT enough?
• Ask for help both our parents.
• IF STILL NOT enough?
• Request for Assistance from the brother and sister We.
• They same like us - no?
• Request for Assistance from relatives.
• How much they can help you.
• Ask friends help friends.
• Can they help much?
• Finally, many people ask for help.
• Department of Welfare.
If you find a doctor, we are charged:• Billing - RM16-50.
• Of course we still can.
• Billing - 500-1000?
• We can take money from our simpaan.
• Billing - RM20, 000 to RM100, 000.?
• The final step is to ask help from the public.
Whether we will take this final step?
Hospital billing is extremely expensiveWhen a person admitted to hospital either because of illness or accident, you are required to pay a deposit before receiving treatment.
After that however, you are required to settle the medical and Billing Hospital After discharged from the hospital.
Hospital bills are very high which you can pay with:• Credit Card.
• Revenue Income Cash.
• Bussines Simpaan.
• Borrowing.
• lease jewelry.
• House pledge.
• Sell Cars.
We have way to tackle this problem.
Contact us and we'll show you how.

Begin your policy with peace of mind Before Arrivals

4. YOUR FAMILYFAMILY All need Basic Needs
If you can not get salary for month or next month or for several months. How do you want to continue living.

(Think of the wife and children without YOU)

"All the takaful coverage is good if you are willing MENTAKAFULKAN income used to pay for the takaful contribution"
Ask yourself: --
• What do you think if a father leaves a wife with 3 children who are still small?
• How is the situation if he expects to stay at home and / leave the wife and the children to look after.
It possible YOU, your family or WE?
Income and Cash Request.
If your family lives in level 2 in the apartment and caught fire.
They certainly will descend stairs.
How Should Appliances also been burnt?.
They had to jump and of course have a high risk of injury and will get heavy.
Happy with the way our lives today with INCOME given to them, but if life is not running IT income also cease. Of course there is sharp fall in terms of income.
If your family falls from a height, they will be injured BUT if you have tangganya provide. They will calm down with the injury without getting ..
Plan "little money" (5% - 10% of your income) to family life and our children.
Fewer Keeping in Takaful will make your family life will come more perfect.

5. During Pension incomeLIFE NEED TO expenditure
This is a serious matter to think when the day grew older and also pension after income protection for families.
Life expectancy is increasing.

Health better life now because medical keadah good.
• AGE: 20 to 55 Working Time - You have 35 years to work.
• AGE: 55 to 75 Time Not Employed - rest 20 years to survive old age (This requires EXPENSES)
Example:

If you need a month in expenses RM 1,000.00

Year you need:
RM 12.000 x 20 years = RM 240,000.00,

We still failed to save.

Would you like to save the start tomorrow and will not have to spend what you save yesterday.

6. PILGRIMS / STA / HOLIDAYDifficult to store
Can you save regularly / continue if no coercion?.

For those of you who have fulfilled the dream Fard Hajj / Umrah / holiday, regular monthly savings will realize your dreams is.

Your savings may be issued when you need it.

7. WOMENProtect Income
Women who lived with the family, some income is used for house expenses.Both parents hope donations each month.
Pension income
Women will stop work earlier to become a full-time housewife. They also have a long average life expectancy of more than 6 years so men need to care for themselves is high.
Education for children.
Caring for children sediri, nephew, etc. with the expenses they will be learning to make their lives are more meaningful.

8. Permanent disabilityIS NOT SOMETHING YOU DESIRE
Usually because of disease and 2 because of accident.
• There is a critical illness that requires treatment immediately. The doctor said you will probably need to undergo surgery and stay in the hospital ward.
• You have to stay dihospital to undergo rehabilitation treatment may be for some days or weeks.
• Your doctor may say that you can return kerumah and rest for several months or half year or year or more.
• If your company is working to stop paying your salary?
How do you want to survive the coming day?
We have way to deal with any problems that you face.
Contact us and we'll show you how.

Begin your policy with peace of mind Before Arrivals

WHY YOU SHOULD TAKAFUL ..?

Human is always vulnerable to disaster or catastrophe such as theft, fire, and many more which will result in loss reduction and value.

Type and level of risk vary in terms of value to retrieve.

Risk or musibah itu uncertain when will occurred.

To recover the original state of Human tend to work or provide assistance.

Channel system or helping organized and promoted by religion.

Takaful system can ease the burden of risk and to connect daily activities.

Only the takaful system that can help people who suffer disaster.

Takaful benefit system.

PERBEZAAN ANTARA INSURANS DAN TAKAFUL

Takaful dan Insurans mempunyai tujuan yang sama iaitu memberikan jaminan dan bantuan kepada peserta dalam bentuk kewangan. Namun di antara keduanya terdapat perbezaan yang besar. Perbezaan yang wujud dapat dilihat daripada beberapa sudut berikut:

Hukum

Perniagaan Takaful adalah halal dan umat Islam harus menyertainya sementara perniagaan insurans telah diputuskan haram oleh Majlis Fatwa Kebangsaan dan juga majlis-majlis fatwa lain. Perniagaan insurans mengandungi unsur Riba, Maisir dan Gharar. Maka membeli polisi insurans dan segala hasil pendapatan daripada syarikat inurans adalah haram.

Kontrak asas yang digunapakai

Dalam Insurans konvensional kontrak yang digunapakai ialah kontrak pertukaran (Mu’awadat) iaitu dalam bentuk jual beli. Sementara Takaful menggunakan kontrak derma (Tabarru’)

Kontrak-kontrak lain

Dalam Insurans konvensional tidak terdapat kontrak-kontrak lain selain kontrak jual beli. Tetapi dalam Takaful, digunakan kontrak wakalah (agensi) dan kontrak Mudharabah (perkongsian untung rugi)

Tanggung jawab pemegang polisi

Peserta Takaful akan menyumbang caruman untuk saling menjamin di antara semua peserta sementara pembeli insurans akan membayar premium kepada penanggung insurans. Penyertaan Takaful merupakan satu akad di kalangan peserta tetapi pembelian insurans adalah satu kontrak di antara penginsurans dan pemegang polisi.

Saluran pelaburan

Pelaburan kumpulan wang Takaful akan dilaburkan melalui instrumen pelaburan yang diharuskan dan pelaburan ini hanya akan dilakukan ke atas syarikat-syarikat yang telah dikelaskan sebagai patuh Syariah. Penentuan ini adalah berdasarkan senarai patuh Syariah yang dikeluarkan oleh Suruhan Jaya Sekuriti (SC).

Pelaburan syarikat insurans pula adalah bebas kepada semua jenis instrumen tidak mengira sama ada halal atau tidak. Ini termasuklah pelaburan ke atas syarikat perjudian dan arak.

Perjalanan operasi

Syarikat Takaful mempunyai Majlis Penasihat Syariah yang bertanggung jawab memberikan nasihat terhadap segala aktiviti termasuk pelaburan. Selain itu syarikat Takaful juga mempunyai unit Syariah yang berperanan sebagai sekretariat kepada Majlis Penasihat Syariah. Syarikat insurans tidak mempunyai bahagian penasihat Syariah kecuali Syarikat MCIS Zurich Insurance. Walaupun begitu, penasihat Syariah ini hanya memberi nasihat dalam bebarapa perkara tertentu sahaja. Namun perjalanan operasinya masih lagi peniagaan insurans konvensional.

Pengendali-pengendali Takaful di Malaysia menggunakan dua model perniagaan Takaful iaitu model Mudharabah (perkongsian untung rugi) dan model Wakalah (agensi). Kebanyakan pengendali Takaful menggunakan model Wakalah dan model Mudharabah digunakan oleh Syarikat Takaful Malaysia Berhad.

Segala hasil tidak halal yang diperolehi oleh pengendali Takaful tidak akan dikira sebagai pendapatan syarikat sebaliknya akan dimasukkan ke dalam tabung kebajikan. Syarikat insurans tidak mempunyai unsur ini.

Pengendali Takaful wajib membayar zakat perniagaan dan cukai tetapi syarikat insurans hanya membayar cukai.

Aspek perundangan

Pengendali Takaful tertakluk kepada Akta Takaful 1984 sementara syarikat insurans tertakluk kepada Akta Insurans 1963 (pindaan 1996).

TAKAFUL KELUARGA

Anda tentu lebih gembira mengetahui bahawa anda dan keluarga dilindungi dengan baik pada saat ditimpa musibah dengan pelan yang berlandaskan Shariah???

Takaful adalah satu perkataan yang berasal dari perkataan Arab 'Al-Kafala (jamin) iaitu bermaksud 'Saling jamin menjamin'

Dari segi tafsiran Syara' ia adalah pakatan satu kumpulan untuk saling jamin menjamin dan bantu membantu antara satu sama lain ketika para peserta kumpulan tersebut ditimpa sesuatu musibah

PERKHIDMATAN INSURANS KENDERAAN

KERETA

LORI

BAS

KEBAKARAN

anda berada sekitar terengganu??? hubungi saya untuk perkhidmatan insurans/takaful anda.. perkhidmatan terus ke tempat anda..:-)