ASSESMENT PITCHING: OUTLINE PITCHING DETERGENT DR GHOSALA

By: Muhammad afiq Farhan bin azhar (2022267494)

Topic Detergent dr ghosala

Introduction/ Attention Imagine living in a society where unanticipated medical costs
Getter are covered by financial stability and where your health is
your greatest asset. Presenting detergent dr. Ghosala, a
financial peace of mind protector that looks out for both your
health and well-being (Kagan, 2021). Let's investigate a world
where prosperity and well-being go hand in hand.
Problem Several problems make purchasing a medical card advisable.
These include the escalating costs of healthcare services, the
potential financial strain of unexpected medical emergencies,
and the need for consistent access to quality healthcare
without compromising one’s financial stability (Times, N.S.
2019).
Proposal A Takaful medical card plan is a healthcare protection plan
that adheres to Shariah principles, providing coverage for
medical expenses. Participants contribute to a mutual fund,
and when a participant requires medical treatment, the
expenses are paid from this fund (i-great mediHarapan, 2023).

Several reasons to apply medical card.

-Comprehensive Coverage:
Takaful medical plans offer comprehensive medical coverage,
including hospital and surgical expenses. Some plans even
provide unlimited lifetime cover and high annual limits
(Takaful Medical Plus, 2016).

-Choice of Healthcare Services:

A Takaful medical card gives you the flexibility to choose
between government and private hospitals for your
healthcare needs.

-Ease Of Procedures:
The Takaful medical card streamlines procedures when
dealing with hospitals and medical centers, eliminating the
need for upfront cash for admission.

-Online Convenience:
Some Takaful providers offer online medical plans, allowing
you to apply and get instant approval from the comfort of
your home. These plans often come with personalized health
assessments and no medical examinations.

-Group Plans:
For businesses, group medical Takaful plans are available,
offering quality health insurance coverage to employees and
their families at an affordable price.

Solution
Justification for the solution
Conclusion / Reinforce the
proposal
-Special Benefits:
Some Takaful plans come with special benefits, such as post-
Covid vaccination benefits or cancer care.
-Understand Takaful:
Takaful is a type of Islamic insurance where members
contribute money into a pool system to guarantee each other
against loss or damage. It is based on Sharia or Islamic
religious law, which explains how individuals are responsible
to cooperate and protect one another. Takaful policies cover
health, life, and general insurance needs.
-Choose a Takaful Provider:
There are several providers offering Takaful medical cards,
such as Great Eastern Takaful, Takaful Ikhlas and Prudential.
Each provider offers different plans and benefits, so it's
important to choose one that suits your healthcare needs and
budget.
-Select a Plan:
Each provider offers a range of Takaful plans that may benefit
your healthcare needs. For example, Great Eastern Takaful
offers the i-Great MediHarapan plan. AIA offers three types of
life insurance/takaful plans to suit different needs: Basic,
Comprehensive, and Add-on.
-Apply for the Plan:
Once you've chosen a provider and a plan, you can apply for
the Takaful medical card. This usually involves filling out an
application form and providing necessary documents. Some
providers offer online applications for convenience.
-Receive the Medical Card:
Once your application is approved, you will receive a medical
card. This card entitles you to faster and cashless services at
the hospital.
Getting a Takaful medical card makes sense because it helps
with the high costs of medical treatments. It's like a financial
safety net, covering your medical expenses and preventing
money troubles when unexpected health issues arise.
Moreover, the card follows Islamic principles, making it a good
choice for those who want insurance that aligns with their
beliefs.
Having a Takaful medical card also means you can get medical
help without worrying about the cost, ensuring you stay
healthy without stressing about your finances. It's a
straightforward solution for both your wallet and well-being.
Applying for a Takaful medical card is a practical step to
safeguard ourselves financially from the rising costs of
 healthcare. It not only provides a structured solution for
covering medical expenses but also aligns with Islamic
principles, offering a conscientious choice for insurance. With
the Takaful medical card, you can enjoy peace of mind,
knowing that you have a reliable financial backup for
unexpected health challenges, ensuring both your financial
security and access to quality healthcare.

Reference

Kagan, J. (2021, July 21). What Is Takaful Insurance and How Does It Work? Investopedia.
https://www.investopedia.com/terms/t/takaful.asp

Health protection. (n.d.). Personal & Family Medical Card | Great Eastern Takaful.
https://www.greateasterntakaful.com/en/personal-takaful/our-products/health-
protection.html

(Medical Protection | Comprehensive Medical Insurance & Takaful for Personal & Family | AIA MY,
n.d., Chapters 3–4)

Times, N. S. (2019, October 22). The lowdown on medical and health insurance/takaful. NST Online.
https://www.nst.com.my/lifestyle/heal/2019/10/530574/lowdown-medical-and-health-
insurancetakaful

Group Health Takaful Plan (Group Medical). (n.d.). https://www.takafuloman.om/group-health-

takaful-plan-group-medical.html

I-Great MediHarapan. (n.d.). Medical Card & Protection Plan | GETB.

https://www.greateasterntakaful.com/en/personal-takaful/our-products/health-protection/
i-great-mediharapan.html

Takaful Medical Plus. (n.d.). Null. https://www.etiqa.com.my/v2/health-insurance-takaful/medical-

takaful