It Takes 4 Repetitions to Learn,

If You Need Less... You’re Gifted,

If You Need More... You’re Not Even Trying.
 It Takes 4 Repetitions to Learn,
If You Need Less... You’re Gifted,
5.3 INSURANCE If You Need More... You’re Not Even Trying.

1. Jadual di bawah menunjukkan kadar premium tahunan per RM 1 000 nilai muka insurans hayat boleh baharu
yang ditawarkan oleh sebuah syarikat insurans.
The table below shows the annual premium rate per RM 1 000 face value of a renewable life insurance
offered by an insurance company.

Julat umur (Tahun) Bukan Perokok Perokok

Range of ages Non-smoker Smoker
(Years) (RM) (RM)
Lelaki Perempuan Lelaki Perempuan
Male Female Male Female
27 2.12 1.18 2.72 1.40
28 2.12 1.19 2.73 1.42
29 2.12 1.21 2.75 1.44
30 2.12 1.23 2.79 1.46

Dengan nilai muka sebanyak RM120 000,

Based on the face value of RM 120 000,
a) Hitung premium tahunan bagi seorang lelaki berumur 29 tahun yang merokok dan yang tidak
merokok,
Calculate the actual premium for a 29-year-old man who smokes and who does not smoke.

b) Hitung premium tahunan bagi seorang perempuan berumur 30 tahun yang merokok dan yang tidak
merokok.
Calculate the actual premium for a 30-year-old woman who smokes and who does not smoke.

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 It Takes 4 Repetitions to Learn,
If You Need Less... You’re Gifted,
If You Need More... You’re Not Even Trying.

2. Encik Fakri menetap di Semenanjung Malaysia. Dia ingin membeli satu polisi insurans motor dan berikut
ialah maklumat kenderaan yang ingin diinsuranskannya.
Mr Fakri stays in Peninsular Malaysia. He wants to buy a motor insurance policy. The following is the
information regarding the vehicle he wants to insure.

Jumlah yang ingin diinsuranskan : RM85 000

Umur kenderaan : 6 tahun
Kapasiti enjin : 2 494
NCD : 30%

Hitung premium kasar bagi polisi komprehensif, polisi pihak ketiga, kebakaran dan kecurian, dan polisi pihak
ketiga berdasarkan Jadual Tarif Motor 2015.
Calculate the gross premium for the comprehensive policy, the third party, fire and theft policy, and the third-
party policy based on the Schedule of Motor Tariff 2015.

3. Encik Gee ingin membeli insurans kebakaran untuk rumahnya. Nilai boleh insurans rumah itu ialah RM 350
000. Polisi insurans kebakaran yang ingin dibelinya itu mempunyai peruntukan ko-insurans untuk
menginsuranskan 80% daripada nilai boleh insurans hartanya dan deduktibel sebanyak RM 2 000.
Mr Gee wants to buy a fire insurance for his house. The insurable value of the house is RM 350 000. The fire
insurance policy he wants to buy has a co-insurance provision to insure 80% of its insurable value and a
deductible of RM 2 000.
a) Hitung jumlah insurans yang harus dibeli oleh Encik Gee bagi rumahnya itu.
Calculate the amount of insurance required by Mr Gee for the house.

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 It Takes 4 Repetitions to Learn,
If You Need Less... You’re Gifted,
If You Need More... You’re Not Even Trying.

b) Rumah Encik Gee telah mengalami kebakaran dan jumlah kerugiannya adalah sebanyak RM 25 000.
Hitung bayaran pampasan yang akan diterima Encik Gee jika dia menginsuranskan rumahnya.
Mr Gee’s house caught on fire and the amount of loss is RM 25 000. Calculate the amount of
compensation that Mr Gee will receive if he insures his house.
(i) pada jumlah insurans yang harus dibelinya,
at the amount of required insurance,

(ii) dengan jumlah RM 150 000. Seterusnya, hitung nilai penalti ko-insurans.
at a sum of RM 150 000. Hence calculate the co-insurance penalty.

c) Rumah Encik Gee telah mengalami kerugian menyeluruh. Jika dia menginsuranskan rumahnya
dengan jumlah RM 200 000, hitung bayaran pampasan yang diterimanya.
Mr Gee’s house suffered a total loss. If he insured his house at a sum of RM 200 000, calculate the
amount compensation he will receive.

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 It Takes 4 Repetitions to Learn,
If You Need Less... You’re Gifted,
If You Need More... You’re Not Even Trying.

4. Puan Ghaziah mempunyai polisi insurans perubatan utama dengan peruntukan deduktibel sebanyak RM 500
dan fasal penyertaan peratusan ko-insurans 75/25 dalam polisinya. Hitung bayaran kos yang ditanggung oleh
syarikat insurans dan Puan Ghaziah sendiri jika kos perubatan yang dilindungi polisinya berjumlah RM 20
600.
Mrs Ghaziah has a major medical insurance policy with a deductible provision of RM 500 and 75/25 co-
insurance percentage participation clause in her policy. Calculate the cost borne by the insurance company
and Mrs Ghaziah herself if the medical cost covered by her policy is RM 20 600.

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 It Takes 4 Repetitions to Learn,
NOTES: If You Need Less... You’re Gifted,
If You Need More... You’re Not Even Trying.

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