Bus Driver Killed In Crash

27 Aug 2014

IPOH: Nine passengers cheated death when the express bus they were travelling in crashed into a 10-tonne lorry at KM304.1 of the North-South Expressway.
However, the 54-year-old bus driver, Mansor Shaari, from Alor Setar, died on the spot in the 5.55am incident near Gua Tempurung in Kampar.
The driver of the lorry, which was carrying ceramics, and the nine passengers were treated at the Raja Permaisuri Bainun Hospital for light injuries.
Kampar OCPD Supt Ng Kong Soon said the bus driver lost control of the vehicle and collided into the back of the lorry, which was on the left side of the lane.
“Both the bus and the lorry were badly damaged,” he said.
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Biker Killed In freak Accident, Highway Commotion Causes Another Crash

26 Aug 2014

KUALA LUMPUR: Two freak accidents that occurred within minutes of each other ended with one dead at Jalan Mahameru, near the Jalan Parlimen exit, early Tuesday. 
The first accident occurred at midnight when a man, identified as Ngo Ghee See, is believed to have lost control of his Kawasaki Versys superbike, flinging the 60-year-old forward about 50m. 
An eyewitness, an Iranian businessman who only wanted to be known as Mohsin, said Ngo was travelling behind him and his wife, when he noticed that his motorcycle was wobbling left and right. 
"He passed ahead of us and lost control. I think he fell off his motorcycle. I stopped the car next to him. 
"My wife went to check on him while I placed a warning triangle to alert oncoming vehicles as the man was on a highway, and the cars were really fast," he said.
Mohsin said the man was conscious for a few minutes and was breathing softly.
The accident drew a small crowd, some attempting to move Ngo from the road, while others helped warn oncoming vehicles of the hazard ahead.
Their efforts, however, were futile as another accident occurred in the very next lane near to Ngo's lifeless body.
A white Audi rear crashed into a white MyVi which slowed down to view the commotion. 
The accident sent the crowd into a frenzy, with some running to safety.
A reporter who was present at the scene then called traffic police and the ambulance which arrived 10 minutes after the incident.
Ngo was pronounced dead at the scene and was taken to the Kuala Lumpur Hospital while both drivers of the second accident escaped unharmed.
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Insurans Kemalangan Peribadi : Sebuah Pelan Polisi Insurans Mampu Milik

19 Aug 2014

Bagi sesiapa sahaja yang ingin merancang untuk membeli perlindungan insurans untuk diri atau orang yang tersayang. Cadangan dan permulaan yang terbaik adalah dengan membeli polisi kemalangan peribadi.

Bukan sahaja ianya mampu milik, malah insurans ini juga sesuai buat golongan muda yang baru memulakan kerjaya. Di mana mereka sudah mula terfikir untuk melindungi diri dengan insurans demi menjamin masa depan. Namun ada di antara mereka masih tidak yakin kerana tahap kewangan masih tidak stabil dan bimbang terbeban dengan komitmen bulanan sedia ada. 

Tidak perlu bimbang kerana mereka boleh menjadikan insurans kemalangan peribadi sebagai permulaan dan pilihan terbaik kerana ia adalah sebuah polisi mampu milik. Bukan sahaja sesuai untuk golongan muda bahkan untuk sesiapa sahaja.

Mengapa? Ini kerana, selain memberi perlindungan maksima, kadar premium insurans kemalangan diri juga sangat minimum dan mampu milik. Tambahan pula premiumnya hanya perlu dibayar secara tahunan.

Secara tidak langsung ia tidak begitu membebankan kepada individu yang ingin membeli polisi insurans kemalangan peribadi. Hanya serendah RM100 setahun, anda akan dilindungi sehingga RM200 ribu pelan perlindungan kemalangan maut dan hilang upaya kekal akibat kemalangan.

Apa yang pasti kemalangan tidak dapat dijangka kerana sesiapa sahaja berpontensi untuk terlibat dalam kemalangan. Mungkin anda mampu mengambil langkah berhati-hati, namun adakah itu sudah cukup memadai. Bagaimana jika anda ditakdirkan terlibat dalam kemalangan yang mendatangkan kecederaan parah? Sudah tentu anda tidak mampu untuk bekerja kerana perlu berehat dalam tempoh yang agak lama.

Di waktu anda tidak mampu bekerja seperti biasa, pastinya anda tidak lagi akan menerima gaji bulanan seperti biasa. Apa yang lebih membebankan ketika itu anda perlu menampung komitmen bulanan seperti biasa, malah anda juga perlu menanggung kos rawatan dan perbelanjaan harian. 

Pernah atau tidak anda terfikir jika situasi tersebut berlaku kepada anda? Sudahkah anda bersedia berdepan dengan sebarang musibah yang tidak dijangka? Bagaimana nasib keluarga dan insan yang anda sayangi sekiranya sesuatu yang buruk menimpa diri anda?

Melindungi diri, keluarga dan orang tersayang dengan polisi kemalangan peribadi sekurang-kurangnya dapat membantu anda dan keluarga terutamanya dari aspek kewangan. Jika ditakdirkan anda terlibat dalam kemalangan dan mengalami kecederaan yang serius, hilang upaya atau maut akibat kemalangan. Sudahkah anda melindungi diri dan membuat persediaan kewangan yang mencukupi bagi menampung segala kos kesan akibat daripada kemalangan tersebut?

Secara amnya, pengguna jalan raya termasuk mereka yang memandu kereta, lori, atau peunggang motorsikal akan lebih terdedah dan berisiko tinggi terlibat dalam kemalangan jalan raya. Buktinya hampir setiap hari berita mengenai kemalangan jalan raya dilaporkan oleh media massa. 

Kebanyakan daripada anda merasakan insurans bukanlah suatu keperluan kerana lebih gemar membelanjakan wang dengan membeli barangan yang hanya memenuhi kehendak semata-mata. Oleh yang demikian, apa kata anda mula ubah persepi tersebut dengan menjadikan insurans sebagai suatu keperluan dan sebagai aset jangka masa panjang demi menjamin masa depan. 

Mula jadikan insurans kemalangan peribadi sebagai permulaan pertama untuk anda melindungi diri. Setidak-tidaknya duit pampasan insurans kemalangan peribadi yang telah anda beli itu mampu untuk meringankan beban kewangan yang bakal ditanggung oleh keluarga sekiranya anda mengalami kecederaan atau maut akibat kemalangan.

Untuk Maklumat Lanjut Sila Layari:
www.easicircle.com

Sumber foto:
http://smitfinserve.com/slideimage/images/PersonalAccident.png

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Affordable Premium: Family Income Care

18 Aug 2014

Affordable Premium for Maximum Protection!


To all easicircle members you can invite your friends in Indonesia to visit our website and purchase our affordable premium. The more people you successfully refer to the easicircle the greater your earning potential is.

Family Income Care is a combination of Term Life Insurance and Personal Accident Insurance designed to provide you with protection! It also help to protect yourself, family and your loved ones. 

While the premium coverage that will help protect yourself and family because you will never know when accidents and sickness can happen. It allows you to buy high levels of coverage when the need protection is often greatest. 

With just Rp 300,000  per year for the policy you will provided with undisputed benefits and coverage of;

  •  Rp 50,000,000  in the event of death due to sickness
  •  Rp 100,000,000 in the event of accidental death
  •  Up to  Rp 50,000,000 in the event of permanent disability due to accident


                   Insurance is underwitten by Equity Life Indonesia



For More Information Please Visit Our Website At:
https://www.easicircle.com/id/default.aspx

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Housewife Killed In Car Accident

18 Aug 2014
SETIU: A housewife was killed in a car accident at Km43.5 Jalan Kuala Terengganu-Kota Baru near Kampung Sungai Tong here.
During the 5.30pm incident yesterday, Che Minah Che Soh, 52, was killed on the spot after she was flung out of the car.
Setiu District Police Chief DSP Ab Rahman Raja Mohamad said the vehicle driven by her husband Ab Manaf Husin, 57, was believed to have gone out of control and rammed into an utility pole.
“It then went into the opposite lane. The couple were heading to Kuala Terengganu from Kota Baru when it skidded at a corner,” he said.
“Che Minah, who was seated on the front passenger seat, was flung out of the car.
“She sustained serious bodily injuries and died at the spot but Ab Manaf was unhurt,” he said when contacted.
The victim’s body was sent to the Setiu Hospital for post-mortem.
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Affordable Premium: Family Maxi Care

15 Aug 2014
Affordable Premium For Maximum Protection! 


To all easicircle members you can invite your friends in Indonesia to visit our website and purchase our affordable premium. The more people you successfully refer to the easicircle the greater your earning potential is.

The ideal Personal Accident Insurance is designed to provide you with protection! It also help to protect yourself, your family and your loved ones because you will never know when accident can happen and it can happen to anyone.

With just Rp 250,000 per year for the policy, you will gain Rp 200,000,000 you will provided with undisputed benefits and coverage of:

  • Rp 200,000,000 in the event of accidental death
  • Up to Rp 200,000,000 in the event of permanent disability due to accident
  • Rp 2,000,000 in the event due to sickness


Insurance is underwitten by Equity Life Indonesia



For More Information Please Visit Our Website At:
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Affordable Premium for Maximum Protection!

14 Aug 2014

Affordable Premium for Maximum Protection!

The ideal Personal Accident insurance that will help protect yourself and family because you will never know when accidents can happen. While you cannot avoid all accidents that come your way. Should you take a risk? 

With just RM100 per year, you, your family and your loved ones can now be protected financially and helps to ensure your family is provided if you involved in fatal accident.

Life Star Series 100 consist of Group Scheme Takaful Personal Accident underwritten by MAA Takaful Berhad (731996-H) PLUS one time Gribbles Blood Test as follows;

With just RM100/year, you are provided with undisputed benefits of;
  • RM200,000 in the event of accidental death;
  • Up to RM200,000 in the event of permanent disability due to accident; and
  • One time blood test for cholesterol and glucose level

You just  pay for lowest premium yearly to gain maximum protection!

For More Info Please Visit Our Website:
https://www.easicircle.com/my/product/default.aspx
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Empat Maut Langgar Lori Pasir

13 Aug 2014
Putrajaya: Empat lelaki maut dalam kemalangan membabitkan sebuah kereta dan lori di Kilometer 29.5 Lebuhraya ELITE, di sini jam 5.16 pagi tadi.
Ketua Operasi Balai Bomba dan Penyelamat Lapangan Terbang Antarabangsa Kuala Lumpur (KLIA) Saidon Amean berkata, mangsa membabitkan empat lelaki berusia lingkungan 30-an ke 40-an menaiki kereta Proton Waja dalam perjalanan ke Shah Alam. 
Menurutnya, bagaimanapun, kereta berkenaan dipercayai memasuki lorong kecemasan dan melanggar belakang sebuah lori pasir yang berhenti di lorong berkenaan. 

"Berikutan itu, keempat-empat mangsa dalam kereta berkenaan maut di tempat kejadian," katanya ketika dihubungi.


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Ops Selamat shows drop in accident deaths

13 Aug 2014
KUALA LUMPUR: Efforts by the police during the Ops Selamat 5 road safety campaign this year has succeeded in decreasing fatal accidents.
There were 237 deaths from 217 accidents as compared with 292 deaths from 258 accidents last year.
Fatal accidents decreased by 15.9%, said Deputy Inspector-General of Police Tan Sri Mohd Bakri Mohd Zinin after the campaign closing ceremony at Terminal Bersepadu Selatan here.
"We are still not satisfied with the results but we can see there is (increased) awareness among road users (as seen from) the decreased number of fatalities," he said.
A number of 18,484 accidents were recorded during Ops Selamat 5, with most occurring on city roads (7,627 cases), while federal roads recorded the most deaths (74).
Most of the victims were motorcyclists and pillion riders, with a total of 134 deaths, representing 56.4% of the total accidents recorded.
However, this showed a decrease of 27.6% as compared to Ops Selamat 3, with 185 motorcyclists killed.
On average, there were 16 fatalities per day during Ops Selamat 5, which ran from July 21 to Aug 4.
On the safe home campaign, a number of 21,459 people registered their absence with police before the Hari Raya holidays, and no housebreaking cases were reported.

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When Travel Plans Go Awry

13 Aug 2014
Many Malaysians still see travel insurance as an unnecessary cost. Sunday Star takes a closer look at what it offers and the fine print policy holders should look out for.
WITH the new KLIA2 runway finally opened and AirAsia moving its operations here from LCCT on Friday, travellers are bracing themselves for the usual glitches that come with the opening of a new airport.
Legal officer Mandy Soo, 35, who is flying from Kuala Lumpur to Miri, Sarawak, in June, is considering getting travel insurance for her trip.
“It will be the first time I am flying out from KLIA2, so I’m hoping for the best but also preparing for the worst,” says the adventure buff who plans to hike up the Mulu Pinnacles.
“I’ve already paid for the guide, accommodation and transportation package, so I can’t afford to miss the flight. It will be my first time buying travel insurance.”
Copywriter Ding never buys travel insurance despite travelling at least five times a year.
“If I lose my luggage, there’s nothing much inside anyway,” says the 30-year-old globe-trotter who has travelled to about 40 countries.
Many Malaysians, according to a senior insurance agency manager, have the wrong perception that travel insurance is redundant. This probably explains why travel insurance is still unpopular here.
“Life and personal accident insurance cover death and accidents but what happens if your flight is delayed or cancelled, your luggage is lost or you fall sick away from home?
“Travel insurance is very cheap relative to what it covers,” the agency manager from Petaling Jaya points out.
WorldNomads.com offers good advice – always act as though you are uninsured! The popular online global travel insurance provider for independent and adventurous travellers covers residents in over 150 countries, including Malaysia.
It cautions prospective travellers that while “accidents happen, stupidity doesn’t”.
The latter and, of course, “extreme risks” such as trekking across the Arctic in a t-shirt, are obviously not covered.
Elaborating, WorldNomads head of content Phil Sylvester says travel insurance covers unforeseeable events but there are many activities where bad outcomes are predictable.
“You have to do everything in your power to limit any claim, which is to say, don’t do anything stupid.
“Something might be dangerous or exhilarating but if proper precautions have been taken to reduce the risk, it may be covered,” he adds, citing examples like wearing a helmet while skiing.
He, however, feels that there are things that no level risk mitigation could prevent from being defined as “stupid”.
Patting a lion cub, even if the safari park manager says is okay, would be silly because it is a wild animal with sharp teeth and claws!
There are times when bad things happen, but they are rare, he admits.
“From a dropped camera to an Australian who broke his back skiing in France, every claim we pay is a ‘thank God’ moment.
“He (the Australian) is now a paraplegic. The cost of his medical care in France and repatriation back to Sydney for rehabilitation would have meant his family selling their home and going bankrupt if they had to pay for everything themselves.”
Some attention-grabbing testimonies on the website were from a monkey-bitten traveller in Thailand and another who was “drugged, kidnapped and robbed” in Ecuador.
Ex-insurance agent A.L. Lee, 36, is a firm believer in preparing for the “what-ifs”.
“You hope you will never need it, but you still have to get it. But people tend to feel cheated when everything goes smoothly and they don’t need to make a claim.”
Having processed numerous claims, including one of a couple whose holiday got cancelled after the wife had dengue, she sees no point in being “penny wise but pound foolish” when it comes to getting travel insurance.
Like Lee, lawyer Ch’ng Sen Mei, 36, never travels without insurance and recommends getting a comprehensive package.
She recently went on a family trip to Hong Kong armed with a RM57 premium for six days of coverage – a purchase she was glad she made.
A paediatric consultation in Hong Kong cost her a whopping HK$1,000 (RM435), excluding medication.
A recent experience with her agent, however, left a sour taste.
“I asked my agent to get travel insurance for my mum from April 5 to July 3. Imagine my horror when she e-mailed the cover note for coverage from June to September. Now we have no remedy because the insurance company cannot issue a fresh policy once the plane has taken off,” she gripes.
She recommends buying travel insurance at least two weeks prior to departure or getting annual insurance if you are a frequent traveller because it is cheaper and more convenient than making “as and when purchases”.
Kendra Kong of Multi-Purpose Insurans Bhd (MPIB) says travel insurance provides coverage before and during travel but it is important to buy once you have booked your air tickets or package tour for the pre-departure benefit to kick in.
The local insurance provider, which offers travel protection plans from RM5 onwards, highlights emergency evacuation as the most important benefit travel insurance offers.
A bad fall while trekking through a remote mountain in China, Kong says, is just one of many possible situations where emergency evacuation becomes a necessity.
“The nearest village hospital won’t have the facilities to treat you. Emergency evacuation ensures that you are brought to a well-equipped hospital in the city even if it is miles away.”
She says even those with personal and employer-provided life and personal accident insurance coverage need travel insurance because it is doubtful that these will cover medical evacuation. And the sum awarded for mortal remains repatriation, if provided, is at best a few thousand ringgit.
“A travel insurance provider like us, for instance, allows a maximum claim of up to RM100,000,” she says.
She also reminds travellers to check if the medical benefit covers both sickness and accident expenses.
“A travel policy that covers sickness will reimburse you for treatment of diarrhoea or flu but not necessarily hospitalisation cost,” she says.
For Peter Daams of Travellerspoint, a global travel community portal, travel insurance is a must.
Small things like lost luggage are not the main concern for him. He is more worried about medical and hospitalisation costs.
“Unexpected medical bills can run into tens or even hundreds of thousands of dollars if you need medical help in somewhere like the US (United States).
“I know of travellers who have really been hurt by overseas medical expenses.”
A little-known fact is that travel insurance covers car rental excess fees and is usually far cheaper than buying insurance from the car rental company, he adds.
Executive E. Bernice, 36, still buys travel insurance although her bank provides coverage when she charges her flight ticket to her credit card.
She, however, says the problem with travel insurance is that there is no clarity – an issue that became evident when her luggage was delayed for three days while she was travelling from Copenhagen to Basel.
“I was alone and did not know how to go about making a claim, nor did I know how much I was entitled to.”
She managed to get a token sum from the airline, which paid for a made-in-Malaysia t-shirt that ended up being one size too small.
The only time P. Anna did not sign up for travel insurance was the one occasion she needed it most.
What was to be a grand tour of Nepal ended with the yoga instructor and her 21 tour mates battling a severe bout of diarrhoea and vomiting.
About to keel over with a soaring temperature and dehydration, she was admitted to the nearest hospital.
The nightmare continued when the group were told that the airline they were to fly out on had gone bust and they were stranded for another week.
With not much money left after paying the medical bill and hotel accommodation, the holiday was memorable for all the wrong reasons.
The General Insurance Association of Malaysia (PIAM), comprising 30 members, reminds Malaysians to “always read the fine print” as travel insurance coverage is usually limited to the period of travel.
“Insurance companies offer various protection packages, so be sure to purchase one that is specific to your needs.
“Travel insurance provides peace of mind because if things go wrong, there will be recourse and financial protection against any inconveniences.”
Having a life and medical policy does not render travel insurance redundant, according to PIAM. Both travel and life are a “benefits policy”, meaning that if death or permanent total disablement occurs due to an accident while you are travelling overseas, the claimant or nominee can claim under both policies, the association assures.
“A medical insurance policy, however, is paid on an indemnity or reimbursement basis, meaning that the insured will only get paid for what he has actually incurred and nothing more.
“The majority of medical policies limit treatment to hospitals located in Malaysia, so always check whether your insurer has extended the scope for treatment overseas,” it adds.
Travel insurance: What you should know
In Malaysia, travel insurance is global, affordable, and can be easily purchased from an insurance company, its agent or online. Most policies share common features, but there can be differences in the scope of coverage and the claim payment cap. Just remember to read the FINE PRINT.
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Nutrient Rich Foods for Hair, Skin and Nails

12 Aug 2014


VITAMIN A AND BETA-CAROTENE (VIT A)
  • Liver, butter, cheese, eggs. (Beta-Carotene): Sweet potato, carrots, dried apricots, buckwheat, and dark green vegetables.

B-COMPLEX
  • Eggs, game, poultry, pumpkin seeds, blackstrap molasses, wheat germ, and brewers yeast.
B6
  • Avocados, bananas, carrots, lentils brown rice, tuna, shrimp, and salmon.

BIOTIN
  • Egg yolks, liver, brown rice, whole grains, and legumes.

VITAMIN E
  • Wheat germ oil, nuts and seeds, fish, eggs, avocados, green vegetables.

CALCIUM
  • Dairy products, eggs, nuts and seeds, pulses, dark green leafy vegetables.

SELENIUM
  • Organic meat, fish, muscle meat, whole grains, dairy, fruit, onions, garlic, nuts & seeds.

ZINC
  • Oysters, liver, brewers yeast, eggs, whole grains, pumpkin seeds, mushrooms.

ANTIOXIDANT COMPLEX
  • Red, orange and yellow fruit and vegetables, red berries, blueberries, blackberries, red grapes, dark green leafy vegetables, avocados.

SULPHUR AMINO ACIDS
  • Beans, eggs, fish, garlic, lentils, onions, and yoghurt.

 ESSENTIAL FATTY ACIDS
  • Richest food source: Cold water fish, nuts, seeds and cold pressed vegetable oils. 

ALOE VERA AND TEA TREE OIL
  • Applied topically can sooth and heal blemished and sun-damaged skin. Tea Tree Oil works as an anti-fungal treating skin and nail infections.

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Students Killed In Accident

12 Aug 2014
BATU PAHAT: A Hari Raya visit by two Lower Six students to their teacher’s house turned tragic when they died after their motorcycle was hit by a car travelling in the opposite direction.
The victims Nur Farah Artika Kamarulzaman and Hafizah Zakaria, both 18, were thrown about 20m when a Perodua Kenari car rammed into their motorcycle.
The incident took place on Friday at around 6.55pm along KM143, Jalan Johor Baru-Melaka near Parit Bisu, Semerah here.
The students of SMK Kebangsaan Semerah were rushed to the Sultanah Nora Ismail Hospital but pronounced dead at around 9pm and 11pm respectively.
Nur Farah Artika’s mother, Tumisah Suri, 52, said her daughter and Hafizah were good friends.
“Prior to the incident, she told me not to call her mobile phone as she could not hear the phone ringing while on the motorcycle,” she said.
Tumisah, a single mother, said her daughter wanted her to stop working after she finished school as she would be able to provide for the family.
Nur Farah Artika’s body was buried at the Sungai Nibong Muslim cemetery here after Zohor prayers while Hafizah’s body was brought back to Sungai Balang, Muar.
Meanwhile, Batu Pahat OCPD Asst Comm Din Ahmad confirmed the case and urged witnesses to come forward to assist in the investigation.
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Maut Pacuan 4 Roda Masuk Longkang

11 Aug 2014
Raub: Seorang lelaki terbunuh apabila pacuan empat roda model Nissan Frontier dipandu terbabas sebelum terbalik ke dalam longkang di Kampung Sempam Baru di sini, kelmarin.
Dalam kejadian jam 11.40 malam itu, mangsa, Tajudin Ahmad, 51, maut selepas parah di kepala selain tersepit di tempat pemandu.
Ketua Polis Daerah Raub Superintendan Wan Mohd Samsudin Wan Osman berkata, siasatan awal mendapati mangsa dalam perjalanan menghala ke Cheroh dari Raub sebelum kenderaan dipandunya hilang kawalan dan terbabas.

Menurutnya kenderaan mangsa terbalik ke dalam longkang mengakibatkan mangsa tersepit di tempat duduk pemandu.
“Kejadian disedari penduduk kampung yang tidak jauh dari lokasi nahas. Mereka menghubungi Balai Polis Trafik Raub untuk meminta bantuan.

“Sepasukan anggota Balai Bomba dan Penyelamat Raub bergegas ke lokasi nahas dan mengambil masa 15 minit untuk mengeluarkan mayat mangsa,” katanya.
Sumber artikel:
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Op Selamat 5: Penang Accident Cases Drop By 22.7 Percent

8 Aug 2014
BUKIT MERTAJAM, Aug 7 (Bernama) -- The number of accidents during Op Selamat 5 from July 21-Aug 4 showed a 22.7 percent drop compared to Op Selamat 3 during the Aidilfitri festive season last year in Penang.

Penang police chief Datuk Abdul Rahim Hanafi said the number of accidents during the period dropped by 340 cases compared to 1,498 recorded during Op Selamat 3.

"Op Selamat 5 showed a positive development because the number of accidents dropped by 22.7 percent. However, during the same period the number of fatal accidents went up by one case compared to only 10 cases in Op Selamat 3," he told reporters after the Penang Police Well-Being Convoy Tour programme here Thursday.

During Op Selamat 5, police worked with 10 enforcement agencies in the state including Land Public Transport Commission, Road Transport Department, Road Safety Department and the Department of Environment in monitoring the traffic.

-- BERNAMA

Article source:

http://www.bernama.com/bernama/v7/ge/newsgeneral.php?id=1058743

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Mother and son die in Kuala Lipis accident

8 Aug 2014
KUANTAN: A mother and son from Kampung Tasik Permai, Rantau Panjang, Kelantan were killed when their vehicle collided with an express bus at Kilometer 18 Jalan Lipis-Benta near Kuala Lipis yesterday.
Lipis police chief Supt Abdul Razak Hassan said Mohd Zaim Rasyidi Jusoh, 24, was driving the Proton Wira car from Lipis to Benta with his mother, Fatimah Che long, 69, in the 5.30pm incident.
"He lost control of the car while negotiating a corner and collided with the bus," said Abdul Razak when contacted here today.
He said the remains of both victims who succumbed to their injuries at the scene, were sent to Kuala Lipis Hospital for post mortem.
Meanwhile, the bus driver, Ezaruddin Tajuddin, 44, and eight passengers who were heading to Kuala Lumpur from Kelantan were unhurt. – Bernama

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Insurans Kemalangan Peribadi: Jadikan Ia Sebagai Perlindungan Tambahan

7 Aug 2014


Kebanyakan masyarakat Malaysia masih kurang kesedaran mengenai kepentingan perlindungan insurans. Berbanding negara lain, di Malaysia sebenarnya masih ramai lagi yang tidak memahami kepentingan dan keperluan insurans. Rata-rata persepsi mereka, insurans tidak penting dan akan hanya menambah komitmen sedia ada. 

Jadi mengapa perlu menambah komitmen bulanan sedangkan majikan di tempat kerja telah menyediakan perlindungan insurans asas kepada setiap pekerja, jadi mengapa perlu bimbang?  

Jika itu persepsi yang diberikan, maka mereka seolah tidak memikirkan kesan masa panjang yang bakal berlaku dikemudian hari. Seolah mereka tidak memikirkan risiko yang akan menimpa semasa melakukan apa jua perkara dalam rutin seharian. Mungkin hari ini tiada apa yang menimpa diri, namun kita tidak tahu esok atau lusa bagaimana nasib kita. 

Sesungguhnya malang tidak berbau, maka kita sendiri tidak mampu menjangka bila akan berlaku waktu kecemasan seperti kemalangan jalan raya, sakit atau hilang upaya yang akhirnya akan memberi kesan dan membebankan kepada ahli keluarga, anak-anak dan diri sendiri. 

Bak kata pepatah “Sediakan payung sebelum hujan”. Oleh itu, setiap individu perlu membuat persiapan awal atau “Back Up Plan” dalam menghadapi waktu-waktu kecemasan yang tidak dapat dijangka sama sekali. Adakah kita sedar setiap hari kita berhadapan dengan risiko kemalangan ketika pergi dan balik ke tempat kerja? 

Menurut laporan akhbar Utusan Malaysia, sebanyak 20,225 kes kemalangan ketika pergi dan balik dari tempat kerja dilaporkan berlaku dari bulan Januari hingga September 2013. Malah penunggang motosikal menyumbang sebanyak 85 peratus daripada jumlah keseluruhan kemalangan yang dilaporkan dan melibatkan pekerja yang berumur 40 tahun ke bawah.

Jika risiko kemalangan pergi dan pulang kerja saban hari semakin meningkat. Malah penunggang motorsikal juga menjadi penyumbang terbesar kadar peratusan tertinggi yang terlibat dalam kemalangan jalan raya. Persoalannya, adakah mereka sudah dilindungi oleh insurans nyawa atau insurans kemalangan peribadi? 

Ya, mereka telah dilindungi insurans oleh pihak majikan. Namun adakah ianya mencukupi untuk menampung kos kehidupan seumur hidup jika seseorang itu hilang upaya akibat kemalangan dan dalam masa yang sama perlu menanggung empat orang anak yang sedang bersekolah, komitmen bulanan serta perlu menanggung  kos rawatan perubatan. 

Seperti yang kita sedia maklum, kos sara hidup semakin hari semakin tinggi. Begitu juga kos perubatan semakin meningkat. Maka kesan akibat hilang punca pendapatan akan menjadi beban utama dalam meneruskan kehidupan seharian. 

Maka dalam situasi kecemasan dan terdesak sebegini, persepsi yang menyatakan insurans tidak penting secara tidak langsung akan bertukar kepada  betapa pentingnya perlindungan insurans asas mahupun tambahan. 

Sekurang-kurangnya ia dapat menggurangkan beban dalam membiayai kos rawatan akibat kemalangan. Bukan hanya sekadar bergantung pada perlindungan insurans majikan, wang simpanan peribadi, wang simpanan perkerja dan pencen ilat dari PERKESO semata.

Kemalangan tidak dapat dijangka bila, di mana, atau bagaimana? Jadilah seorang individu yang bijak dalam menguruskan kewangan demi untuk melindungi diri dan orang yang tersayang. Hampir setiap hari di dada-dada akhbar terpapar berita mengenai kemalangan jalan raya. Sama ada meragut nyawa atau hanya mendatangkan kecederaan ringan dan serius kepada mangsa.

Justeru itu, setiap individu perlu mempunyai kesedaran dalam mencari alternatif dalam merancang pelan perlindungan kewangan jangka masa panjang diwaktu kecemasan. Iaitu dengan melengkapkan diri dengan perlindungan tambahan seperti membeli polisi insurans demi  melindungi diri dan orang tersayang.

Apa kata mulakan dengan membeli polisi insurans kemalangan peribadi yang sememangnya mampu milik. Hanya serendah RM100 dengan perlindungan sehingga RM200 ribu pelan perlindungan kemalangan maut dan hilang upaya kekal akibat kemalangan. Lawati www.easicircle.com untuk maklumat lanjut.

Kita sendiri tidak pasti bila  musibah bakal menimpa. Adakah anda masih ragu-ragu lagi untuk mengeluarkan sejumlah wang untuk melindungi diri dengan pelan perlindungan jangka masa panjang demi memastikan masa hadapan anda dan insan tersayang lebih terjamin. Sesungguhnya, beringat sebelum terkena, jangan sudah terhantuk baru tergadah. Ini kerana, “Mencegah  Lebih Baik  Daripada Mengubati”. 

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Man Killed, 3 Injured After Vehicle Plunges Into Ravine

6 Aug 2014
BELURAN: A man was killed and three other members of a family of seven were badly injured after a four-wheel-drive vehicle plunged into a ravine at Km48 of Jalan Beluran-Telupid early Tuesday, police said.

Beluran Police chief Supt Sivanathan Velautham said Diong Mohamad, 58, died on the spot in the accident which happened at about 2 am after the vehicle skidded to the right of the road and went down the 10-metre ravine.

He identified the injured as Musa Yasin, 62, Nazirah Jarib, 19 and Norainah Diong, 26.

The three other people, two of them children, were unhurt, he told Bernama.

Sivanathan said the family was returning to Kota Kinabalu after a holiday in Tawau.

The injured people had been admitted to the Beluran Hospital and their condition was reported to be stable, he said.
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Malaysia Has 17th Most Dangerous Roads In The World, According To Michigan University Research

5 Aug 2014

Malaysia is among the top 25 most dangerous countries for road users, with 30 fatalities per 100,000 individuals, according to research by the University of Michigan.

Conducted by the university’s Transportation Research Institute using 2008 World Health Organisation (WHO) data on 193 countries, the February 2014 research lists Malaysia as 17th most dangerous for drivers.

The only other Southeast Asian nation within the 25 most dangerous is Thailand, ranked second most dangerous for drivers, with 44 fatalities per 100,000 people.

In comparison, the United States of America registered only 14 fatalities, France recorded seven, Germany and Singapore six, and the United Kingdom only five fatalities per 100,000 people.

The world average is 18 fatalities per 100,000 people. Namibia topped the most dangerous list with 45 deaths and the safest place to enjoy a cruise is the small island nation of the Maldives with two deaths.

All the countries in the 25 most dangerous list are either developing or least developed countries.

In response to why Malaysia was ranked among the most dangerous, researcher Brandon Schoettle suggested that development may have a large role to play in it.

“While I cannot speak specifically about Malaysia, we do know that as development increases for a nation, road fatalities often increase too,” he said while pointing to China and India as examples.

Island nations such as Malta (three deaths per 100,000), Fiji (four), the Marshall Islands (four), and Tonga (four) are where one is least likely to die from road accidents, possibly due to their low motorisation levels.

Worldwide, it was found that road crash fatalities make up only 2.1% of fatalities from all causes. The United Arab Emirates was ranked the highest percentage in road crash fatalities with 15.9%.

The study was carried out to compare the fatality ratio of road accidents to other major causes of death.  Fatalities per population from road crashes were compared with fatalities from other leading causes of death such as malignant neoplasm (cancer) and ischaemic heart disease, and cerebrovascular disease.

It was discovered that according to the world average, people are six times more likely to die from heart disease than they are to die in a car crash. Malaysians are 2.5 times more likely to die from cancer and 2.8 times more likely to die from heart disease compared with road fatalities.

However, according to a statement on the WHO website, the data for the research carried out may not tally with official Malaysian numbers due to the difference in methodology employed by both WHO and the Malaysian census.

“Many of the data-sets represent the best estimates of WHO using methodologies for specific indicators that aim for comparability across countries and time.

“Therefore, they are not always the same as official national estimates, although WHO, whenever possible, will provide member states the opportunity review and comment on data and estimates as part of country consultations.”

Because of this, the classification of Malaysia as a dangerous nation for drivers may differ when compared to local official records.



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