TAKAFUL / INSURANCE

FAMILY MEDICAL CARD-without having to participate in the life takaful or life insurance
* if you want to combine with takaful life medical card, that option was available under
Every family needs medical coverage to help a family member when experiencing health problems for the hospital bills to pay bills. Cashless medical card family is designed to protect

1. FATHER
2. MOTHER
3. CHILD CHILD (no limit to number of children)

(Coverage to age 100 years & protect you from the cost of hospital treatment costs due to common illness or critical illness or accident)
2 TYPES OF CHOICE CARD medical
Within your means, you can select a family medical card, which has

1. With a lifetime limit (the minimum limit of RM200, 000 per family) OR
2. WITHOUT a lifetime limit

Medical CARD FEATURES FAMILY FEATURES
(Medical card scheme also offers an individual plan, or scheme, husband & wife only, or principal scheme / single parent + children at a lower price - but the same protective properties as below)

* In a polygamous Muslim men, all children are protected from the maximum four wives under the medical plan the family card.
* In those who already have children from previous marriages, children will also be protected even if you take a family medical card with a new partner.
* Child legally adopted in terms of law are also covered, such as his own child in the family card medical plan.


Medical card has co schemes takaful / insurance. However, you are given free amount ko takaful / insurance of RM22, ooo. Only if your bill in a year exceeds RM22, 000, a total of more that are co takaful / insurance 10% and 10% of the total can not exceed RM3000 per year.

Example: If the total medical bills a year of RM25, 000, then you have more than a total of RM3000 (RM25K - RM22K). So the 10% co takaful / insurance from RM3000 is 300 only.
THE MERITS OF THIS CARD medical medical CARD OVER OTHER

1. Almost all medical card market will charge higher on a client that SMOKING. However, the plan for the medical plan offered by this card does not charge a higher in smokers. If you are a smoker, you will pay the price at the rate of non-smokers.
2. Just a family medical card offered here is able to provide comprehensive coverage, especially in men practice polygamy or who have children from another marriage. Plan covers all of your offspring, your spouse and children under 23 years of age.
3. No differences between the sexes. Package under a family medical card, the price paid there is no difference between men and women.
4.
Family medical card is very reasonably priced. This is because you pay one price group and not individually. Example calculations below where I compare this family medical cards with individual medical card as an example of an insurance company P:

* Suppose a family of 7 members of the principal + father + 5 children. Let's say 35-year-old parents.
* Under the P: Minimum RM100 a x 7 people = RM8400 RM700 per month or per year (for medical coverage of RM150, 000 for life)
* Under the Medical Card scheme YEAR FAMILY FAMILY = RM1535. (For the medical coverage of RM200, 000 over the life of each family member)

ADULT CHILD WHEN THE CHILD HAS

When your children are adults, which has more than 23 years old, you can downgrade this family package at the package of husband and wife. With this plan the price is a lot cheaper.

CHOICE FAMILY MEDICAL CARD-CARD FAMILY MEDICAL OR conventional TAKAFUL

Medical family card with the above characteristics in the two ketegory of 100% takaful or conventional. You can select based on the capabilities and needs.

* Medical takaful family card - based on Shariah and profit-sharing concept. When you have no claim within a period of 1 year policy and takaful companies make money, profits will be shared between you and takaful companies.
* Medical conventional family card - based on the conventional insurance scheme. No profit-sharing

Life on offshore oil rig or gas difficult

If you have a family member who works on a platform offshore oil or gas, I was wondering what is the manipulation of life on the high seas or the drilling rig on the bottom of the sea and possibly thousands of feet below.

Of course, the marine life of the oil platform depends on the nature of offshore drilling rigs, which can also be known as Jack-up rig or a semisubmersible. Some floating platforms and these are associated with only a temporary means of the ocean floor. May be squatting over the pontoons, which were based on the bottom of the sea, but not as strong as sticky, and other platforms may be.

Manipulation is not appropriate to be large - perhaps larger than the size of a football field 100 yards. Structure may also rise several hundred feet above the water surface.

This should be a rig or platform large enough to accommodate not only drilling, but also to provide housing and services for overseas workers or workers employed by the Marine. They also need to space large enough for a helicopter on the ground when the movement of workers or equipment to and from the beach.

In fact, it may be some units lie more than 100 miles off the coast of the Gulf in the Gulf of Mexico. This puts them so far from shore that the continental shelf and drops in the water may be at a distance of two miles or more deep.

Can walk on the manipulation of such overseas can be tricky, but the water currents can cause manipulation in the transition - perhaps not as much as a floating vessel might do, but still turning. That means workers may find it very difficult to carry out strict, especially in windy weather.

Because these and other hazards, workers must wear protective clothing and certain at all times. Which may include steel, fingers, shoes, protective glasses and hard hat.

These workers may toil for alternating 12-hour shifts. This allows to manipulate the process to say for 24 hours each day. Transformations may begin at 5:00 or 5:00, before succumbing to the shift after 12 hours. In other words, some workers must work at night, although the manipulation is likely to be lit very nicely.

Division 5-50 working days may also apply to the duration of working time, time away from work. Implementation of many of the workers for two weeks, transitions, and then have another two weeks off to rest on the beach. This is the same for young roustabouts starting their careers abroad, or more experienced veterans who Roughnecks in the sea.

They are all likely to be some creature comforts - satellite TV and a kitchen well-equipped - to enjoy between the long bouts of working with pipes, cables and heavy equipment.

Can work as many of these risks, especially if safety standards were allowed on the platform for a slice of the owner or operator manipulation. Must factor in the sea or abroad, who is suffering from an injury in an accident as a result be able to get immediate help from the paramedics were on board, but not this type of care in the hospital that he or she may need.

Any injured worker must be outside on the drilling rig or entering their maritime accident lawyer before you sign, agreeing to accept anything as a result of an accident or the injury. An employer can face the prospect of paying substantial compensation for trying to reduce it or minimize injury accident claim.