Apakah Asuransi Anda Sudah Cukup?

28 Jan 2016

Perlindungan Terhadap Risiko vs Premi Asuransi
Membayar premi asuransi menambah beban keuangan. Ya banyak orang berpendapat demikian. Tapi pertanyaannya, apa memang begitu? 
Seandainya kita dianugerahi kemampuan bisa melihat apa yang akan terjadi di kehidupan pada masa depan, pendapat di atas seratus persen benar. Sebab kita bisa menghindarkan sesuatu yang buruk yang dapat menimpa. Terutama dua hal yang paling bernilai yaitu nyawa dan kesehatan kita.

Sayangnya, tak ada seorang pun yang dapat memprediksi musibah dan yang lebih mengesalkan, musibah sudah pasti akan mempengaruhi rencana keuangan kita. Bahkan bisa memporak-perandakannya!

Itulah alasan kuat bagi kita untuk memiliki asuransi. Pada hakikatnya kerugian yang diakibatkan oleh musibah tak perlu kita tangung sendirian.

Perusahaan tempat Anda bekerja pun barangkali sudah punya program asuransi karyawan. Program-program asuransi tersebut bisa jadi telah memberikan sejumlah proteksi, tapi terbatas dalam menyediakan keamanan financial bagi Anda dan keluarga. 

Sudah saatnya Anda pertimbangkan  kembali mengenai asuransi. Coba bikin simulasi seperti contoh kasus di atas. Seberapa besar risiko yang Anda miliki dan seberapa banyak Anda sanggup menanggung risiko tersebut sendirian?

Sudah saatnya Anda menanggalkan pikiran umum bahwa asuransi berarti membayar sesuatu yang tidak diperlukan. Salah besar jika Anda berpikir bahwa asuransi hanya menambah pengeluaran Anda.

Sebab sekali lagi kita semua menanggung risiko yang tidak bisa kita prediksi kapan datangnya. Asuransi membantu meminimalkan risiko itu, sehingga masa depan keuangan Anda  dan keluarga lebih terjamin.

Seperti kata pepatah, mencegah lebih baik daripada mengobati. Daripada terbelit masalah keuangan setelah tertimpa musibah karena tak punya asuransi, lebih baik kita mencegah masalah itu.

Bagi mereka yang menyadari bahwa asuransi sangat penting, mereka akan melihat bahwa asuransi memiliki manfaat yang luar biasa. Asuransi sangat bermanfaat bagi individu yang ingin memiliki cara efektif dan kuat untuk membangun masa depan yang baik bagi keluarga mereka.

Bagaimana dengan perlindungan asset Anda yang paling berharga? Yaitu jiwa dan kesehatan Anda? Bila Anda belum memiliki, maka inilah saatnya Anda berubah! Mari berasuransi di easicircle

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5 Things That Weaken Your Immune System

26 Jan 2016

Do you keep feeling lazy and weak all the time? If ‘Yes’, there are chances that you may have a weak immune system. 

The immune system is the most important system of the body when it comes to preventing diseases. We are all born with different levels of immune systems. Some have a stronger immune system than others. But there are many things that can weaken an adequately strong immune system.
Several factors like diet, lifestyle and emotional health, play an important role in maintaining a healthy immune system. However, problems with the immune system can lead to illnesses and infections. Your immune responses can be weakened by several external influences.

Stress is another way to damage the immune system. The stress hormone corticosteroid can suppress the effectiveness of the immune system. In fact, stress is linked to: headaches; infectious illness; cardiovascular disease; diabetes, flu, asthma and gastric ulcers.

Lack of sleep
Quality sleep is important for immune system health. Sleep range for adult usually 8 to 9 hours. Without sufficient sleep, the immune system doesn’t get a chance to rebuild and it becomes weak. Basically, when you sleep well, your body releases cytokines which one of your major fighter to fight infection.

Lack of exercise
Exercise will be difficult if you are not sustaining to do it. If you perform at least 20 minutes of walking five days a week for sure you could have better immune response towards infections. According to one research, inactive people took twice as many sick days in 4 months when compared to people who walked briskly almost every day.

Lack of hygiene
Lack of personal hygiene habits exposes your body towards infection. Bacteria and viruses are everywhere and they can attack humans immune system at anytime and anywhere. So, if you want to stay away from infections, basic things like wash your hand after using the toilet. Keeping hands clean is one of the most important steps we can take to avoid infection and spreading germs to others.

Cigarettes contain more than 4,000 chemicals, all of which are extremely toxic to the body. Besides it is also linked to a higher risk of autoimmune diseases. Did you know that smoking, or even second hand smoke, can weaken or damage your immune system?

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5 Makanan Untuk Kulit Cantik Dan Berseri

20 Jan 2016

Coklat Hitam

Pelbagai manfaat yang boleh diperolehi dari coklat hitam  selain kaya akan antioksidan. Coklat hitam juga bisa  membantu melindungi kulit Anda dari paparan sinar UV. Ini dibuktikan oleh peneliti di Jerman menemukan coklat hitam juga boleh menghilangkan kulit kasar dan melicinkan kulit. Namun harus pilih coklat hitam yang mengandung 80% cocoa supaya tidak ada tambahan gula atau susu yang terlalu banyak.


Sayuran hijau ini kaya akan berbagai vitamin terutama Vitamin E, zat besi, asam lemak dan omega-3 yang dapat mencegah penuaan diri. Tambahan pula bayam juga membantu memperkuat jaringan kulit dan menyingkirkan racun pada tubuh.


Ikan salmon adalah salah satu makanan lezat yang memiliki banyak khasiat yang penting bagi kesehatan. Seperti asam amino, vitamin A, vitamin D, vitamin B6, vitamin E, zat besi, magnesium dan fosfor. Salmon juga kaya akan asam lemak omega-3 yang membantu mengurangi inflamasi, kerut dan jerawat. Bahkan kandungan omega-3nya yang tinggi boleh juga membantu melembabkan kulit dari dalam.

Lobak Merah

Bukan sahaja baik untuk mata, lobak merah juga baik untuk kulit. Ia adalah sangat bagus untuk membersihkan cela akibat jerawat. Lobak juga boleh menghalang kulit kering dan membantu anda mendapatkan kulit yang lebih cerah.

Buah Beri

Raspberry merah mengandung anthocyanin, nutrisi yang sangat penting untuk menjaga kulit muda dan kulit yang indah juga. Buah beri juga merupakan pilihan yang sangat baik untuk menyingkirkan racun dan radikal bebas dalam tubuh Anda.

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13 Healing Powers of Lemons

19 Jan 2016
If you’re not getting fresh lemons into your diet, you may want to reconsider after reading the many health benefits of lemons, lemon juice, pith (the white part), or zest (skin).

Here are 13 amazing healing powers of lemons:
  1. Bowel-Cleansing:  The bitter taste of lemon gives these fruit the ability to increase peristalsis–a pumping-motion in the bowels–which helps to eliminate waste from the bowels and improve regularity.  Add the juice of one lemon to warm water and drink first thing in the morning.

  2. Cancer:  Lemons contain 22 anti-cancer compounds, including limonene—a naturally-occurring oil that slows or halts the growth of cancer tumors in animals.  Lemons also contain a substance called flavonol glycosides which stop cell division in cancer cells.

  3. Colds and Flu:  Lemons are rich in vitamin C and flavonoids that work in conjunction for a serious punch against infection.

  4. Liver:  Fresh lemon juice added to a large glass of water in the morning is a great liver detoxifier.

  5. Nutrition: Lemons contain vitamin C, citric acid, flavonoids, B-complex vitamins, calcium, copper, iron, magnesium, phosphorus, potassium, and fiber.

  6. Balances Body Chemistry:  While lemons are acidic they interact with the body’s metabolism to have an alkalizing effect on the bodily fluids helping to restore balance to the body’s pH.

  7. Allergies:  Lemons contain the phytonutrient hesperetin which has been shown in studies to alleviate allergic symptoms.

  8. Brain and Nervous System Disorders:  Containing the potent phytonutrient tangeretin in the peel, lemons have been proven to be effective for brain disorders like Parkinson’s disease.

  9. Eye Disorders:  Rutin, found in lemons, has been shown in research to improve the symptoms of eye disorders, including diabetic retinopathy.

  10. Anti-Viral:  In addition to being effective against cold and flu viruses, terpene limonoids found in lemons have proven anti-viral effects on other types of viruses.

  11. Diabetes: In addition to improving eye problems linked with diabetes, lemons contain hesperetin which lowers blood sugar levels (when they are high).

  12. Gall and Kidney Stones:  The citric acid found in lemon juice helps to dissolve gallstones, calcium deposits, and kidney stones.

  13. Anti-Aging:  The vitamin C found in lemons helps to neutralize free radicals linked to aging and most types of disease.

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Chocolate ‘Could Cure Cough’

14 Jan 2016
Eating chocolate could be more effective than sucking a lozenge at treating coughs, say doctors. An ingredient in chocolate may provide sweet relief from constant coughing.

The study showed that theobromine, an ingredient found in cocoa, was much more effective in stopping persistent coughs than codeine – the cough medicines currently considered most effective.
Theobromine works by suppressing vagus nerve activity, which is responsible for causing coughing.

The team also discovered that unlike standard cough treatments, theobromine caused no adverse effects on either the cardiovascular or central nervous systems.

Professor Maria Belvisi, who also worked on the study, said: "Not only did theobromine prove more effective than codeine, at the doses used it was found to have none of the side effects.

"Normally the effectiveness of any treatment is limited by the dosage you can give someone.
"With theobromine having no demonstrated side effects in this study it may be possible to give far bigger doses, further increasing its effectiveness.

"At the same time, theobromine may not have any of the side effects such as drowsiness. This means there will be no restrictions on when it can be taken.

"For example, people using heavy machinery or who are driving should not take codeine, but they could take theobromine"

Although this was a small study involving only 10 people, researchers say that if more studies confirm these results, the chocolate ingredient could be used in creating better cough medicines with fewer side effects than existing drugs.
Principal investigator Professor Alyn Morice, head of the Hull Cough Clinic, says: ‘This new capsule we are using seems very effective. ‘Eating a bar of dark chocolate a day which has high levels of the compound may also be effective for people with diagnosed persistent cough, although eating chocolate  on a daily basis may have other unwanted effects, including weight gain and so on.’

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45 peratus penduduk Malaysia ada insurans

12 Jan 2016

STATISTIK menunjukkan kira-kira 45 peratus penduduk Malaysia mempunyai satu produk insurans dan kurang daripada 15 peratus mempunyai produk takaful.

Pengarah Urusan Kumpulan Takaful Malaysia, Datuk Seri Mohamed Hassan Kamil berkata, Takaful berkembang mantap pada tahun kebelakangan ini.

Perbankan Islam diterima secara meluas masyarakat di Malaysia. Walau bagaimanapun, masih banyak yang perlu dilakukan dalam meningkatkan kesedaran Takaful di kalangan rakyat Malaysia.

“Terdapat keperluan penting untuk memecahkan persepsi insurans Takaful  hanya untuk orang Islam. Program pendidikan dan kesedaran perlu dilancarkan di semua peringkat untuk membawa mesej 'Takaful adalah untuk semua' dan Takaful adalah relevan untuk orang Islam dan bukan Islam.

“Kami berharap agar lebih banyak usaha penjenamaan kreatif dapat dilaksanakan dalam mewujudkan kesedaran dan sekali gus mempromosikan kepentingan insurans untuk semua.

"Pengendali Takaful atau syarikat insurans mesti terus berusaha ke arah membina dan mengukuhkan saluran pengedaran masing-masing untuk mencapai pelanggan dan meningkatkan penembusan pasaran,” katanya.

Pengendali Takaful/Insurans perlu mencari cadangan preposisi unik mereka sendiri, memperkenalkan penawaran produk yang berdaya saing dan inovatif serta menawarkan pengalaman perkhidmatan pelanggan yang cemerlang.

“Di Takaful Malaysia, 15 peratus Pulangan Tunai merupakan preposisi unik kami. Takaful Malaysia telah memberi ganjaran Pulangan Tunai kepada para pelanggan selama lebih dari 25 tahun,” katanya.

Masih rendah

Kadar penembusan insurans di Malaysia masih rendah dalam kedua-dua sektor Takaful dan insurans konvensional, terdapat banyak ruang untuk pertumbuhan organik.

"Insurans konvensional dan Takaful dijangka mencatatkan satu lagi tahun pertumbuhan yang mantap bagi 2015. Industri Takaful di Malaysia mengatasi dan mempunyai kadar pertumbuhan lebih awal daripada pasaran insurans konvensional pada masa lalu," katanya.

Pertambahan penduduk berpendapatan sederhana dan kadar penembusan insurans rendah di Malaysia terus mencatat potensi pasaran untuk industri Takaful.

"Prospek pertumbuhan kukuh, peningkatan permintaan domestik bagi produk dan perkhidmatan Takaful/Insurans, inisiatif pengurusan risiko bertambah baik adalah faktor   mendorong ke arah pertumbuhan positif sektor ini.

"Permintaan pasaran semakin meningkat telah dikuatkan dengan  keperluan untuk memiliki insurans harta, liabiliti, dan keluarga serta produk perubatan," katanya.

Sehingga ini, Takaful Malaysia melindungi lebih daripada 3 juta peserta dan telah menunjukkan arah aliran yang positif pada 2015.

Insurans penyelesaian risiko

Insurans terbukti sebagai satu penyelesaian pengurusan risiko dengan menyediakan perlindungan kepada pengguna pada masa memerlukan.

“Insurans perlu menjadi satu keperluan penting untuk semua dan ia dikembalikan semula kepada pelanggan walaupun mereka tidak membuat tuntutan.

“Takaful Malaysia merupakan pengendali Takaful yang pertama dan satu-satunya menawarkan pelanggan yang dihargai 15 peratus pulangan tunai jika tiada tuntutan dibuat sepanjang tempoh perlindungan bagi produk Takaful Am,” katanya.

Bagi takaful keluarga, buat masa kini ada jurang perlindungan purata RM200,000 bagi setiap orang berdasarkan kajian industri insurans.

"Jurang perlindungan adalah disebabkan peningkatan hutang isi rumah dan pendapatan yang besar diperlukan untuk mengekalkan taraf kehidupan apabila seseorang berhenti kerja.

Produk takaful keluarga seperti myGenLife dan Takaful myMortgage boleh membantu anda semua untuk mengurangkan jurang perlindungan," katanya.

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Mandi Air Dingin Bisa Atasi Stress

8 Jan 2016

Dalam kehidupan sehari-hari, pastinya aktivitas atau kegiatan mandi harus selalu dilakukan secara teratur agar tubuh tetap segar dan bersih. Namun jika dilihat secara kesehatan, mandi yang baik itu dilakukan pada waktu pagi hari karena memberikan efek yang sangat baik sekali.

Karena pada waktu pagi hari merupakan waktu yang tepat untuk memulai aktivitas atau kegiatan. Pada waktu pagi hari, udara pagi banyak mengandung zat-zat yang bermanfaat untuk kesehatan tubuh dan masih bersih. Zat-zat pada udara pagi ini biasanya bercampur menjadi satu dengan air. 

Ingin punya tubuh yang lebih sehat? Pakar kesehatan menyarankan untuk mandi air dingin. Suhu ideal air sekitar 15 derajat Celsius.

Perbaiki Suasana Hati

Hidroterapi dengan air dingin bisa meningkatkan kadar beta-endorfin dan noradrenalin dalam darah serta otak, yang memiliki efek antidepresan. Studi yang dipublikasi dalam jurnal Medical Hypotheses mengatakan, mandi air dingin selama dua tiga menit secara rutin selama dua minggu, bisa memperbaiki suasana hati pelakunya.

Redakan Sakit Otot

Pakar olahraga Henry Halse menyebutkan, mandi air dingin bisa membantu mengurangi rasa sakit otot setelah berolahraga. Ia menyarankan untuk mengarahkan air dingin ke bagian yang sakit selama lima menit. "Aliran darah yang meningkat bisa membantu memperbaiki otot atau jaringan yang rusak, karena darah mengandung gizi yang punya efek menyembuhkan."

Membuat Kulit Jadi Indah

Merawat kecantikan bisa dengan mandi air dingin. Pakar Dermatologi Neal Schultz, M.D. menyarankan untuk membersihkan badan dengan air hangat lalu akhiri dengan air dingin. Air dingin bisa mengencangkan kulit dan pori-pori. Kulit Anda akan terlihat lebih mulus dan cerah.

Rambut Jadi Lebih Berkilau

Air hangat yang digunakan untuk membilas sampo dari rambut, akan mengurangi keindahan rambut Anda. Demikian ujar Julia Tzu, pakar dermatologi. Gunakan air dingin setelah memberikan conditioner pada rambut, agar rambut lebih berkilau dan halus.

Bantu Atasi Stres

Mengurangi Tingkat Stres dan resiko darah tinggi pada pikiran anda, kegiatan atau kesibukan yang banyak dapat membuat pikiran anda menjadi penat dan stress. Namun dengan mandi air dingin dipagi hari akan memastikan seluruh tubuh mendapatkan oksigen dalam jumlah yang banyak. Kebutuhan oksigen pada seluruh tubuh akan mengurangi tingkat stress dan kepenatan yang dialami.

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We don’t have enough

4 Jan 2016

Most Malaysians will struggle to cope with a health crisis, while loved ones will face difficulties after a breadwinner’s death because we simply do not have enough insurance coverage. To address this, Bank Negara is introducing a new insurance framework to increase penetration and transparency.
MALAYSIANS are grossly under-insured. And those who have insurance aren’t adequately covered.
But offering policies with higher sums assured won’t work because life insurance is not a priority for most Malaysians, says Victor Kho, president of the National Association of Malaysian Life Insurance Fieldforce and Advisers (Namlifa).
The younger generation especially would rather spend their money on smart phones and luxury goods – which actually are way pricier than insurance payments, Kho says, pointing to how a life policy can cost as little as RM100 a month.
“No one has ever gone bankrupt because they bought insurance. How much do you pay for your car insurance? A basic life policy is a fraction of that. So not having enough money is a poor excuse,” he argues.
And among those who have insurance, the protection gap keeps widening because they’re reluctant to review their policies. They think agents just want to make a sale. But the reality is that with rising healthcare costs and changes in your dependants’ needs, more protection is a must, Kho explains.
Quoting the “2013 Protection Gap in Malaysia” study, Life Insurance Association of Malaysia (Liam) president Toi See Jong says four to five of every 10 Malaysians don’t have life insurance. And those who do have some don’t have sufficient coverage for their loved ones.
Putting things into perspective, Prudential Assurance Malaysia chief marketing officer Khoo Ai Lin says only half of the population have some form of life insurance. And yes, those who are covered just don’t have enough.
When you buy a life insurance policy, the rule of thumb is to insure a sum equivalent to 10 times your annual salary, she explains.
“With Malaysia’s gross income per capita of RM32,000, the current average sum assured of RM50,000 is far below the ideal amount one should be insured for.
“This means that Malaysians are generally unprepared for rainy days. Imagine if something unfortunate were to happen to the family’s breadwinner and they’re only left with a RM50,000 life insurance policy. Today, RM50,000 will not get the family very far. They may have difficulties sustaining their current standard of living,” she says.
There’s a growing demand for insurance products with savings and investment elements but the level of awareness among Malaysians about protection is low. Our ­premium contribution is only 3.1% of the GDP in 2014 – much lower than Taiwan (15.6%), Hong Kong (12.7%), Japan (8.4%), and Singapore (5%), according to Bank Negara.
To promote long-term growth and a more competitive market, the “LIFE Framework” was developed by Bank Negara. It completed its public consultation on the Framework in 2014 and it has been implemented in phases.
In a statement, Bank Negara says, “Currently, most consumers buy life insurance or family takaful products through an intermediary like an agent. But there are those who are financially literate and savvy enough not to need financial advice or product recommendation. Online products will then appeal to them with straight-forward, easy to understand, and solely for protection products.
“Like online banking, an online account will be introduced by all insurers and takaful operators for policy owners and takaful participants to obtain information on the status of their policies and certificates, and get real-time updates and downloadable transaction forms easily.”
With the Framework, insurers and operators will have greater flexibility to manage their expenses. This encourages product innovation and is beneficial to consumers. The industry, however, must continue to safeguard con­sumer interests in this more liberalised environment, according to the Bank’s statement. For example, in the case of investment-linked products, they must ensure a proportion of premium contribution is allocated to the unit funds, before deduction of charges.
Kho hopes the Framework, aimed at liberalising the industry, succeeds in increasing professionalism and penetration. Whether it gives rise to higher premiums, he thinks, will be determined by market forces. The relevant authorities must, however, manage the rising inflation of medical costs and distribution costs. And, insurers must be fair to consumers. Don’t increase premiums unnecessarily just to make a huge profit, he says.
“Blaming the high distribution costs on agents to justify hiking premiums is wrong. We must be properly compensated for getting new business and providing life-long service.”
The impact of opening up the industry is that insurers will have greater control over the products they introduce and agents’ commissions and premiums will all be determined by demand and supply, Kho explains.
Assuring consumers that they will be protected, he says complaints about errant agents or insurers can be made to Bank Negara. And, Namlifa’s role, he insists, is to ensure both members and consumers benefit because when policyholders suffer, agents suffer too.
“There are 18 insurance companies for consumers to choose from, so be smart and shop around. The pricing will be competitive but don’t just go for the cheapest policy because you could end up much poorer in the long run when you find that you are not adequately protected,” he warns.
There are, however, many areas of the industry still in need of improvement. Namlifa, Bank Negara and Liam have their work cut out, he admits, stressing that there is a need for an extensive public awareness campaign on the importance of adequate protection.
There must be a concerted effort by Bank Negara to control inflated premiums and the escalating cost of medical policies, he says. And a holistic approach, especially when coming up with products, is needed.
Most insurers have shifted from traditional protection-based products to savings and high-investment types with higher premiums and bigger profit margins. The risks of such products are higher for consumers compared with protection policies, he cautions.
The basic coverage in an investment-link policy is, by default, up to age 100. Medical and critical illnesses are add-on benefits. These can expire at age 70, 80, 90, or 100. The medical card alone takes up 70% of the policy cost, leaving a meagre sum for coverage, he says, explaining why coverage in the event of death or total permanent disability is low.
Can policy-holders continue paying for the policy in the long run if the costs are so high, he asks, adding that unlike traditional policies, investment-link products transfer protection risks from insurers to policy­holders.
Denying that agents are guilty of pushing investment-linked products instead of protection policies, he says they can only sell what insurers offer.
Prudential recommends a longer period of coverage because life is unpredictable and while we may be healthy at 80, we could fall ill or meet with an accident after that. Malaysians are living longer, Kho rationalises. Our average life expectancy has increased to 73 and 75 years for males and females. So we need a medical plan that will last through the golden years.
“Many medical plans have a range of coverage limits and even go up to 100 years old. If our coverage ends at 80 years old, we’ll have to rely on our savings to cover our medical bills after that.”
Get sufficient medical coverage while you’re young and healthy instead of trying to buy insurance after you’ve been diagnosed with an illness, Liam’s Toi advises.
Most of the contract provisions are the same but there are different types of policies for different needs, budgets and circumstances. Always compare, consult, and confirm the terms and conditions before deciding on the right plan for you, he adds.
“Some products are flexible enough to be changed but life insurance is a long-term commitment. Make sure it fully meets your requirements before you commit.”
Always add a zero to your annual income to gauge the protection amount needed, Kho offers, because this sum will give your family at least 10 years to adjust to the change in their financial situation.
“Unlike in other countries where consu­mers ask: ‘How much will the family get when I die?’, Malaysians want to know how much they will get back from the policy before they die.”
Article and Image Source: The Star
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