3k and Insurance Coverage Risiko dan Perlindungan Insurons — 1 2 3 4 (©) general insurance / insurans am {c) group insurance / inswans beneompok _/SSMART Notes Risk is the possibilty of an unavoidable disaster. Risikoiish Kemungkinan belalunya sesuatu musban yang tak apa doiatkan Insurance transfers risks from individuals to insurance organisations. Insurans memndahkan nto darpada dtu kepada omanitas! Policyholder (insurance owner) pays a premium to ‘insurance company and the insurance company promises ‘to pay compensation for the loss incurred and covered in the policy. Pemegang pots! (pemtk insuans) membsyar pramium kepada syonkat isurans dan syoruat insurers diebendah membayet ana rp ata pampasan bog! enspon yong bers dan dung, Sepor dinyataran diam pots ‘There are several types of insurance, which are. Terdapatbeborapayntsnsrans ats @ ki insurance /insurans hyat . Answer each of the following questions, Javwab selap soalan yang bertkut. (a) What is the meaning of risks? “Apakah maksud risiko? Consumer Mathemat! Matematik Pengguna: Insurans ics: Insurance __ Face value of policy (Preian Premium = Re *( pert | lai muka poi, (Kedar promi) Prom = Deductible is an amount that must be bore byte policyholder before they can make a claim frm te insurance company. Deduktibel jalan svatu jumlah yang pers éiangyng se ‘pemogang pols sebolum lak momuatirtsan dou ait Co-insurance is the cost sharing of the loss bee the insurance company and the policyholder. ‘Koxinsurans iaiah perkongsion borsama heron a9 eM ‘nsurans dengan pomogang pots Risks and insurance Fisko dan insurons es (b) List four examples of risks that m: Senaratkanerpet conto riko yong tay be faced by an individual. tungkin dihadopi ole seseorang individu, ee | a ee ree 2 Risks (© Penmocan Petang Sn. Bra,Mathematica Form Chaser Consuner uatromates: nuance SS a. List the factors that affect the premium paid for life insurance and motor insurance, 1D ea rattan ftorfokor yang mempengarutt nia premium yang ebayer bagi isurans hoyet dan insurans motor Factors that affect the premium paid [type of insurance | Faktorfaktor yang mempengaruhi nia premium yang dibayar Jenis insurans to [te insurance emer (b) | Motor insurance insurans motor pased on the face value of the policy and the premium rate per RMI 000 given, calculate the premium that needs to be paid by the policyholder. 8 erdaserkan rilai muka polit dan kadar premium per RMI 000 yang dibertkan htung premium yang peru dibayar oleh pemegang polis. [Face value of the policy | Premium rate per RM1 000 ‘Premium that needs to be paid | "ila muka polis | __Kadar premium per Rott 000 Premium yang pet dibayor ED Premium ‘Face valuc of policy , (Premium rate stt00 000 tuft (a) li muta pots, (Kedar premium RM2.12, nate (oper ante ) RM100 009 . ayo. = RM 09 * BM212 | = RM212, | (a) RMI50 000 RM2.18 (b) RM144 000 RM2.72 | | (©) M205 000 RMLAS (a) RM375 000 RM1.93 RM3.05 (e) RM293 000 jum rate schedule for every RMI 000 face value of a life insurance 4. The table below shows the annual p! offered by ABC Insurance Company. @&D Jotua a wah menunubkon dual Kedar premium fahunon Bgl etiap RN O00 nia muka suas insurans Rays yong dawn ‘oleh Syarikat Insurans ABC. ~ Smoker /Pevkak (RM)eed ecm § Cnager 3 Const Mine im S stathematics of the following: (a) Calculate the annual premium for cach 0 a th ffung premium tahunan Bag seteP YoME AT aa Aaa prea FE jatus Gender ium Value of Tife insurance | Age | Health © vjnting ___ Premium tohuran —-, a 0000 aarys a; ~ ap smoker POO 5 RMILL70 = RML 35 RMI40 000 Probe — a smoker |) RMI95 000 | iy RM242 000 (iy RMM178 000 | (hy Caleulte the annual premium ifthe policybolder 240s 1 © critical illness policy. IC is given that premium rate of the citical ines policy is RML® Det RMI 000. rr rem ahunan ha peregang post menambah pols penyokit ‘eitika. Diberi kadar premium polisipenyatr ie itu salah RB.79 bagi sti RM 000. | Value of life | Value of critical Health | | aisrance. illness policy Age status Gender Annual premium ‘ile msurens | Niel pols! penyokt | Umur) Status | _Janting Premium tohunan a, _ | FAT300.000 Ryu o8 rmso.000 | 53. Non-smoker | Female | At 000 ou | Bukan peroko wan | | RMS | autan proto |rerempuan | | RMS0.000 pag 79 RMI 000 | = RMI 494 + RMI4320 a | RM 637.20 - (RM275.000} —RM74500 | 54 | Non-smoker | Female Bukan perokok | Perempuan (iy RM198.000| RM92.000 | 55 | Smoker | Male | Perokok Lelaki | E (iii) 8328000] —RM66-000 | 56 | Smoker | Male Perokok | teak 5. Determine how the premium rates for «a peter cra ladr pemim dencan Bg spots 0 Dependin valu . Depending on the engine capacity of vehicle ‘Bergantung pada kapasiti enjin kenderaay ] J 48. M the vehicle f le when you want reantung pada kepasitienjin dan nilai Policy are chai iiged, Match it, 68D or yang diberikan, Radankan, ‘Third party policy . a a _———— olict = eft Pe Third party, fire and NOUN at Polisi pha ketga, kebokaro” 20 Polis paket, kebako dd the wai 10 insure | enderoat | semasa ingin diinsuranskan on the engine capacity anMathematics Form Chao3 Conner Munemstcx: evan SS |The table below shows the premium rates under the Motor Tariff for the motor policies issued in Peninsular Malaysia, Sarawak and Sabah in the year 2015. @& “Jadual di bawah menunjukkan pengkadaran premium bawah Tanf Motor bagi pli mator yang dikeluarkan di Serenanjung Malaysia, ‘Sarawak dan Sabah pada tahun 2015. {Engine | Peninsular Malaysia ‘Sarawak and Sabah | capacity not | Semenanjung Malaysia _ ‘Sarawak don Sabah | exceeding Comprehensive | Third party | Act | Comprehensive | Third party Act apes enfin’ | Komprehensf | Pihak ketiga | Atta | Komprehensif | Phak Kegs | Akea | a | (RM) | (RM) (RM) | (RM) (RM) | (RM) [__ 1400 273.80 120.60 | 109.35 | 196.20 67.50 54.00_| 1650 | 305.50 135.00 | 121.50 220.00 75.60 62.10 | 2200 339.10 151.20 | 137.70 243.90 35.20 7020_| 3050 | 372.60 167.40 | 153.90 266.50 93.60 75.60_| 100 404.30 181.80 | 166.05 290.40 | 101.70 _| 83.70 4250 336.00 198.20 | 178.20 313.00 110.10 | 89.10_| 4400 469.60 212.40 194.40 336.90 118.20 | 97.20 | Over 4400 501.30 226.80 206.55 359.50 126.60 102.60 | Melb 4400 Based on the Motor Tariff Schedule 2015 and the information about the car, calculate the gross premium for the ear under the comprehensive policy, the third party, fire and theft policy. and the third party policy. serdasarkan Jadual Tarif Motor 2015 dan maklumat tentang Kereta, hitung premium kasar bagt Kereta tu untuk polsi Komprehensif poli pihok ketige,kebakaran dan kecurian, dan polis pihakketiga. _ Smart The formula used to caleulae the basic premium ofthe comprehensive poy: Romar yang digunaton untuk menghitung premium aas pls Kamprehentit: Peninsular Malaysia Semenaniung Mia rawak and Sabah Sarawak dan Sabah Bask premise Basie premium hate forthe fst RMY 000+ RBZ for each RM 000 Sate forthe fit RM 000 + RN20:30 for each RM 000 Dr part thereof on value exceeding the first RM 000 ‘oF part thereof on value exceeding the fst RMT 000 Premium 3938 Premium 3535 er 3 yas 000 yong pertma + RM26 bagi setiap RMT 000 | = Kader bagi RMI 000 yang pertams + RMZ0:30 bagi aang yn atpads es bop ial yong mele RAN000 | setap RNA 00 atau sebshogtan dara eu Bagi nib yong relat RAYO00 | ‘Third party policy: ‘Sum insured RM75 000 Polisi pihak ketga: Basic premium = RMI51.20 1840 cc Premium asas ——— Gross premium = 151.20 = 23 x 151.20 No Claim Discount (NCD) | 25% Premium kasar 1 RMIB.40 Diskaun Tanpa Tunewtan (NCD) Third party, fire and theft policy Polisi pihak ketiga, kebakaran dan kecurian: Comprehensive policy: Basic premium = 2 asic premium = 72 x 2 263.10— Pa Rompe periment oe The first RM] 000 = RM339.10 RMI 697.33 ath 060 yang pertama 7st ane comprehensive polcys bans pom 00 Basic premium = 339.10 + 26 75% darpade promum asas pols komrenens Premium asas Moon = RM2 263.10. Gros premium = 1 697.33 35 1 697.33 Gross premium = 2263.10 22. x 2 263.10 Premium kasor 00 Premium kasar 00 = RMI 273.00 = RMI 697.33 49 © Penerbstan Petangy Sdn Bhd.sa party policy TaMse 000 pose pk WE (2) Sum insored Doma wong Bincarenen Engine capacity Kepert rie No Claim Discount (NCD) Picken Rope Panesar (HCH Pace Kewssen olicy: - ed fire and theft polic Comprehensive policy ‘Toit in teen, trbohuron dr Recuran: Pos hemp Piet — as hind olicy: “() Sum insured M39 000 Third party pcr Jura yamg Aineuromsion it ptt | Engine capacity m0« | | Ramet engin No Claim Discount (NCD) | Place Kuching | | Kowesan Sarawak} Comprehensive policy: ‘Third party, fire and theft policy: Polisi Komprehensif an hace Polisi pihak ketiga, kebakaran dan kecuri {(c) {Sum insured Third Pemich ene dinner tak kage ‘engine capacity | Kapesicl engin _ —. | [No Claim Discount (NCD) 5555 ara Kinabalu, | ih Comprehensive policy: ——_ Polist komprehensif: Third pary Pelt pha age an theft policy ran dan kecurian:Mathematics Form’ Chupoc3 Consumer Matenstes: azance SS 1. Based on the deduetile amount given, determine whether the policyholder can make a elaim or the lowes sleet ys culate the compensation that can be claimed by the policyholder for each loss suffered Berisartonamaun dedi yg diberita,tentukan sama ada pemegong pos bh membuat unten erhadap Kron 208 salam otau dak. Jka ya tung pompasan yong boleh dtunut leh pemegang pols bgt seta Rerun yang dala. 3) {a) Deductible amount = RMS560 Deductible amount = RM750_ Amaun deduktibel ‘main dedattel nae : , T can make a “suit Loss | Can make Loss claim? | Copeman oss | “aelaim? | Compensation eran) suet |= PamBCuON "| Boleh buat Pampasan (RM) tuntutan? (RM) (RM) | ret (Rm) - 7 nnd - 7 20 | | 6s0 No None nist Tee 7 aso p Yes m= | 770 Boleh (ro 750=20)| «ins 160 (iti) Yes 340+ ee Boleh 4 090-75 0) te bear compulsory deductible of RM400 for an accident that occurred and involved his ‘ar. Give four possibilities that require him to bear the compulsory deductible. 2D Encik Tick Sing perlu menanggung dedustibel walib banyak R400 bag kemalongan yang beriaku dan meliatkanheretanya? Beskan ‘empat kemungkinan yang memeriukan dia menanggung deduktibe! wai tu (a) Co) © (a) 9. Solve the following questions. 2D Seesitan soalan yang berikut Ta) Ming You has a medical insurance wih 9 dedvetble of RMSO 000 per year. The annual Timit is vr insured period, Ming Yan was hospitalised for a surgery that required M500 000. In the first year of he v aenaee tant cost of RM9 600. In the second year of her insured period, Ming Yan underwent another Surgery and the treatment cost was RM108 200, | Rane a tear nsuransperabatn dengan dete seanyok RMSO OOD sean, Had tchunan adalah beri | wen ea etme dalam tempo insurasny, Ming Yon tah dimasutkan te dalam hsp! untuk swt eee meta os rowan banyak RMD 600. ada tun Kedua delam cempoh insurennye, ting Yo | ‘menjalani pembedahan lain dan kos rawaran flak RMYO8 200, (i) What is the treatment Berapakah kos rawatan yang, (i) What is the treatment cost paid by the insurance | tempoh insuransnya? | cost borne by Ming Yan in the first and second years of her insured period? | pera dtanggung ol Ming Yon pada tahun pertama dan tahun kedua tempo isuronsnja? | company for Ming Yan in the first and second 3 © Penerstan Petr Son Sted Cconsarer morerates SY saatnematics Ferns OW? 10. Caleulate the amount of required insurance that the policyholder should buy for his or her own house.¢ ‘tung jumlah nsurons yang harus diel leh pemegang pols untuk rumah send Smart 7] ‘Amount of requted inurance «Percentage of coinsurance » Ingrabe value of property| Zonta imuraa yang hr el = Peston Koinnrars x Nia bole insuransharta Insurable value of house | Co-insurance provision | Amount of required insurance |__— peanut oinsros _ : q ____ 75% 75% x RMI320 O00 = RM240 000 (2) RM380 500 ar a (by RMA05 800 a (©) RM2%6 000 aa (8) RMA28 400 som 11, Basel on the amount of Iss due tothe fre and the deductible provision given, calculate compensation tobe received by the she insures his or her house at the the amount of Policyholder if he or ‘Smart 7p — 1 eins older i he ned value= amount of requ in insurance. 2 amount of required |AnoLt of comperation= runt oft OI ‘hat the amount flu eae aout fl Beasarkn juihkrugian yong epics drip ‘lal yang dinguransen = foniohvsorans 4 peruntukandedutibel yong berm ing bayer oe | sean Paoaanw unis Ketupan = eat gt? yang akan dria oleh pemegang plac POMASN eadaonjumian kerugian ja ise rumatnye pad umiahnsrons yang hans ae SHaN Amount of loss due to the fire Jamia kergion yong berpunc dargade ‘ebokoron P| Penman deduigae Amount of compensati®® emp ayaran pampasat [RM32.000 — fa) RM50 000 (b) RM48 000 fo) RM55 680 (d) RM02 730 © Panerbtan Potang Sn. hssation Form 8 Chiptr 1 Consumer Matomatcs:Ineuanen ce purchased, the amount of required insurance, the amount of toss due 19 the fie and the deductible provision given, calculate the amount of compensation that will be received by the polieyhokler and the value of the co-insurance penalty. 425) Rerdwsarken jumloh tnsurans. yang. telah dibell, Jura tnsurans yang, harus dibel, umiah verugian yan, ‘erpunca daripada kebakaran dan peruntukandeduktibe yang diberkan, tung bayaran pampasan yang akan diterma oleh pemezan, polis dan nila penltkonsuras. 12, haved on the amount of Ins it we imered valoe «amount of requled Insurance, mont of compensation Ane ol anne Amount of os Dede “Amount of requted nance a ial yong dinsaranshan~ jum nsuran yang haus ciel sh rnans yang tla hte yah evugian - Deduktibel Shia suranga at * Mami Keron ~ Dect — 1 Amount | Deductible Amount of | Amount of insurance required Amount of irchaced | incurance | Of toss | provision vsatior penalty | pnt urns |i | ah | ena Sowrteponpeee | MiP | | ferugion | dedukibel ran koinsurans | yang telah dell | yang harus dbelt RMI25.000 | ea1175 000 | RM34 200 | RMI3 800 ——— —— 34 200F 3 800 fs 200 - 24 428.57 = RM9 771.43 = 24.428.57 23 800 NG 028.57 | | | t M196 400] RM250 000 | 128 000 RAI? 500 | fo) RM1133 650/RM174 600 | RM39 400 | RM2 800 | (c) RM228 500 RM290 680 | RM42 680 |RM2 200 | | | f | | | I {pfs 760|RM300 000 | RMAS 350) RAIL 900 | 13. Based on the insurable value of property. the amount of insurance purchased and the deductible provision given, ealeulate the amount Compensation that will be received by the Policyholder and the amount of toss borne by the Dolicyholder his or ber house suffers a total loss. aap) Aerdasarkan ra boleh insurans hart, jumdah insurans yang ela dil dan perun ampasan yang oben itvrima oleh pemezang post dan Jeruzan menyelurun Aino of ran pushed - De Mangal enagion meayeiuiun, ae era pamparn «hon eras yay ane Saad ukan deduktibel yang diberten, hitung bayer yang ditanggung oleh pemegang pols a rumahinya mengtamt 8 © Pewter Petry Sem nsAmount of loss Mathematics Form the potieyne TP amount of egurctible |_ Rerugian yor tong Insurable | insurance ovis on | i pemegang poi value of | purcha he 2 | property oh | ‘Per | = ath es soot eee i 500 RM440 000 — R99 5 js ] yutoo 000 - RM | = RM340 500 | | jNawgo 50000 RM1100 000 | eee 4 rmasoo00 | 60 (a) RM392 500 | RM207 500 | RMS | eae (b) RM464 700 | RM120480 | RMA70 (©) RM207 500 | RM167 230 | RM380 (d) RM378 400 | RM124950 | RM440 Lu 14, Based on the medical cost covered by the medical insurance policy, the deductible provision and s co-insurance percentage participation clause given, calculate 4225) ‘etvartan tos perubaton yang dindungt post insurans perubatan, peruntukan deduktibel dan fasal penyertaan pees: osnsurans yang diberiean, tung the medical cost after deductible, (ii) the cost borne by the insurance ci (iti) the cost borne by the policyhold 1 kos perubatan selepas deduktibel, ‘Ompany, / kos yang ditanggung oleh syarikat insurans, ler. 1 kos yang ditanggung oleh pemegang posi, |Co-insurance| Medical cost| Deductible} percentage covered | provision |participation os prubatan | Peruntukan | yang diindung’ | dedutaiel Medical cost after heinsuranee | Cost boone by be compan: policyholder y ng | KOS yang tongue rans ‘pemegang poli 0 25% x 38 260 + 500 RML0 065 [Pe (©) RM38 360] poe (4) RM51 020 Jo enn 1 ee (e) RMS0 879 [se [eeoT ") Paper > 1, Deductible is commonly found in the contract of the {following except Dedutibel biasanya tendapat dalom kontrak berikut kecuali ‘A medical and health insurance insurans perubatan dan kesihatan B_ motor insurance insurans motor life insurance insurans hayat D_ property insurance inswrans harta 2, The table below shows the annual premium rate schedule Per RMI 000 face value of a life insurance. Jadual di bawah menunjakkan jadual kadar premium tahunan ‘bag setiap RM 000 nila muka bag sua insurans hayat | Nonsmoker (Ri) smoker (RM) ‘Age | Bukan perokok (RM) | Perokok (RM) Umur "yale | Female | Male | Female Lelaki | Perempuan | Lelaki | Perempuan s7 | 01] 733 | 1656 | 1001 se} 1301 | eis | i796 | _naz Mr Allis $8 years old healthy and a non-smoker. He wants to buy the insurance policy worth RM308 000, Calculate his annual premium, Encik Ali berumur $8 tahun, seorang yang sthat dan tidak ‘merokok. Dia ingin membeli pois insurans tersebut Berita [RM308 000, Hitung premium tahunannya. ‘A M3 699.08 BRM 007.08 © RMS 100.48 D RMS 531.68 3. Nadia has purchased an insurance with a deductible provision of RM990. In the insurance coverage period, she suffered a loss of RMI 120. State the compensation that ‘an be claimed. ‘Nadia telah membei sata insurans yang mempunye peruntukan deduitibelsebanyak RM990, Dalam tempos insurans tersebut, dia mengalami satu kali Kerugiansebanyak RMI 120. Nyutakan ‘pampasan yang boleh dituntutnya. None / Tiada 1B RM790 © RMs40 D RMI30 > Mathematics Form$ Chast 3 Consumer Mattemates: Insurance SS ” SEM Practice 3) Pi Ten "Paper p> 1. Madam Surina has a medical insurance with a deductible of 'RM70 000 per year. The annul limit is RM324 000. In the first year of her insured period, Madam Surina underwent a surgery at a hospital that required a treatment cost of 'RM34 000. In the second year of her insured period, Madam Surina underwent another surgery and the treatment cost ‘was RM264 700. Puan Surina mempunyai insurans perubatan dengan deduktibel sebanyak RM70 000 setahun. Had tahunan adalah bern M324 000. Pada tahun pertama dalam tempoh insuransnya, Puan Surina telah menjalani pembedahan di sebuah hospital ‘yang memerlukan kos rawatan sebanyak RM34 000. Pada ‘tahun kedua dalam tempoh insuransnya, Puan Surina menjalani ‘pembedahan lain dan kos rawatan ialah RM264 700, (@) What are the amounts borne by Madam Surina in the first year and the second year of her insured period? Berapakah amaun yang ditanggung oleh Puan Surina ‘pada tahun pertania dan tahun kedua dalam tempoh insuransnya? (©) What are the amounts paid by the insurance company for Madam Surina in the frst year and the second year of her insured period? Berapakah amaun yang dibayar oleh syarikat insurans ‘untuk Puan Surina pada tahun pertamsa dan tahun kedua dalam tempoh insurananya? “Answer | Jawapan: @ oMathematics Form 8 Chapter 3 Consumor Mathematics: Insurance 2 Mr Patrick owns a car used in Johor Bahru, Johor. The sum insured by Mr Patrick for his car is RM73 000. The car has been used for 6 years and it has the engine capacity of 1380 cc. No Claim Discount (NCD) is 25%. By using the information in the Motor Tariff Schedule 2015, calculate the gross premium for Mr Patrick's car under the comprehensive policy, the third party, fire and theft policy, and the third party policy, Encik Patrick mempunyai sebuah Kereta yang digunakan dl Johor Balry Johor. Jumlah yang ingincinsuranskan oleh Encik Patrick tehadap Kereta it ialah RM78 000, Kereta itu telah digunakan sclama 6 tahun dan mempunyai kapasiti enjin sebanyak 1380 ce. Diskaun Tanpa Tuntutan (NCD) ialah 2%. Dengan menggunakan maklumat dalam Jadual Tarif Motor 2015, hitung premium kasar bagi kereta Encik Patrick untuk polis komprehensif, polisi pihak ketiga, kebakaran dan Kecurian, dan polisi pihal:ketiga, Answer | Jawapan: isuranc oh house. to buy a fire insurant . 3 Me Ae of is RM428 000. The co-ins tte ne “S insurable val of ence plc that Mr Ahmad wang ror oh ee toe oe Tela en on Laon am Ec ama ee sunans rah te ial RMB Og, ocr untuk polit insurans Kebakaran ya Peruri Kvn dla 75% daripada nila oe ingin do tka edt! alah RM 600, sei a Ansmad 1 Pree harus dibellolch Encik Hitung jumlah insurans yong a ailing om ad's house suffers a total loss due toa fire, ° cance amount of compensation that will be paid by the insurance company iThe insures his house with 2 total of RY350 000. Hence, calculate the amount of [oss that will be borne by Mr Ahmad. Jka rumah Encik Ahmad mengalamt Kerugian menyelurah akabt kebakaran,hitung bayaran pampasan yang akan tibayar oleh syarkat insuransjika dia menginsuranskan raha dengan julah RM3SO 000. Seterusnya tung jumlah keragian yang akan ditanggung oleh Encik Ahmad (©) tfMtr Ahmad’ house caught fre and the amount of loss is RMG7 000, calculate the amount of compensation that will be paid by the insurance company if he insures his house a the amount of required insurance ka rumah Encik Ahmad mengalami kebakaran dan julah Kerugiannya alah RM67 000, hitung bapar Pampason yong akan dibayar oleh syarikat insurans je ‘lia menginsuranskan rumahinya rig harus dieting Answer | Jawapan: ® pada jumlah insuans () @‘Mathematies Form 5 Chaplor3 Consumer Motwmatis:nsucnce SS ue shabral san importer that always imports goods from another country He has bought a cargo marine insurance which has } deductible provision of RMS 000, He books the goods from Indonesia, China, India and Vietnam with the total of RM20 000, + gu120 000, R48 000 and RAIL6 000 respectively. When he receives goods ordered from Indonesia, Cina, India and Vietnam, he } as ou the total mage of 60, 7S, RI 00 and RL OD especie; CEAmne, | Es hla mrp rng egg angering engine! bang dart ar ng ia oh onl ans marin aro ag mempuryaperuntakan dedukibelskanyok RMS 000, Dia mencmpah barang-barang dai negara Indonesia, China, India 1 LE Zn yong ela R320 G0, BION, ROO don RTS Opals meena arr ere ng ditempah dari negara Indonesia, Chin, Inia dan Viena dia mendapatjwnlah Krosaan yang berilai RM3 600, RMT 500, RN 000 dan RM 000 masing-masing. (a) Complete the table in answer space to show whether Mr Shahrul can make a claim for the losses suffered and the amount of compensation that canbe claimed. Lengkapkan jada ruag jawupan unt menunjukan sama ada Encik Shahn bach membuat tatu terkadapkeragian yang dal dan byaran papas yng bleh tnt. (0) The damage of goods from which countries allow Mr Shahrul to claim compensation ftom the insurance company? Give your reason. Kerosaknbarangon dar negara manakah yang membolehkan Encik Shahral momunttpampasondarpada syariatnsrans?Brikan sebob anda, (6 The damage of goods from which countries cause Mr Shahrel cannot claim compensation from the insurance company? Give your reason. Kersakan baangan dari negara manakah yang mencbabkan Encit Shahral tak boleh menuntut pampasen daipada syria imran? Berka scbab anda. Answer | Jawapan: @ Country oss (R00) Can make a claim? | Amount of compensation (RM) | Negara Kerugian (RM) | Boleh buat tuntutan? Bayaran pampasan (RM) Indonesia China India Vietnam ) CELE 7 aaa