BAB 3 :

INSURANS

KELAS TAMBAHAN TINGKATAN 5

SEKOLAH MENENGAH KEBANGSAAN KHIR JOHARI,
BERANANG TAHUN 2021

TOPIK PERBINCANGAN :
FORM 5 BAB 3 INSURANS

TARIKH : 5 JUN 2021

MASA : 9.00 am — 11.30 am
TEMPAT : KEDIAMAN MASING-MASING
MEDIUM : GOOGLE MEET
GURU : EN AHMAD BADLI SAH BIN MOHD
NOR
 3
BAB 3 : INSURANS

BAB INSURANS
INSURANC
CHAPTER E
A. RISIKO DAN PERLINDUNGAN INSURANS
RISK AND INSURANCE PROTECTION

1. Huraikan secara ringkas berkenaan dengan risiko.

Explain briefly regarding to risk.

2. Apakah peranan insurans dalam menghadapi risiko?

What is the insurance role in facing the risk?

3. Apakah perbezaan antara takaful dengan insurans konvensional?

What is the different between takaful & conventional insurance?

4. Apakah itu prinsip indemniti? Seterunya nyatakan sama ada insurans merupakan satu jenis pelaburan.
What is indemnity principle? Hence state whether the insurance is a type of investment.

BAB 3 ( m/s 1 )
 BAB 3 : INSURANS

5. Apa itu deduktibel ?

What is deductible ?

6. Apa itu ko-insurans?

What is co-insurances?

7. Nyatakan dua kategori utama insurans

State two main category of insurance.

8. Namakan beberapa jenis insurans am dan huraikan secara ringkas setiap daripadanya.
Name several types of general insurance and explain breifly each of it.

9. Huraikan secara ringkas berkenaan insurans berkelompok

Explain briefly regarding to group insurance
10. Berikan saranan anda kepada setiap individu di bawah berkenaan dengan pakej insurans yang
sesuai untuk mereka.
Give your advice to every person below regarding to the insurance package that suitable to them.
a) En Zainol bekerja sebagai juruteknik di sebuah kilang. Setiap hari dia berulang alik ke tempat kerja
dengan motosikalnya sejauh 20 km di jalan raya yang sesak.
En Zainol works as a technician at a factory. Everyday he commutes to work with his motorbike 20 km on the crowded road.

b) Mr Suresh ingin menghidupkan cukai jalan keretanya. Dia bercadang untuk menyertai konvoi
ke Hatyai, Thailand bersama rakan-rakannya.
Mr Suresh wants to renew his car road tax. He intends to join the convoy to Hatyai, Thailand with his friends.

c) Puan Enok Kuting seorang surirumah tinggal di sebuah kampong.

Puan Enok Kuting is a housewife live in a village

d) Mr Wong membeli rumah baharu di bandar Ipoh.

Mr Wong bought a new house at Ipoh town.

e) Puan Hayati mengusahakan perniagaan kerepek. Dia mempunyai sebuah kilang, 4 buah
kenderaan dan 10 orang perkerja.
Puan hayati is working on a kerepek business. She has a factory, 4 vehicles and 10 workers.

BAB 3 ( m/s 3 )
 BAB 3 : INSURANS

B. INSURANS HAYAT & PAKEJNYA

LIFE INSURANCE & ITS PAKAGE

1. Huraikan setiap faktor berikut yang akan mempengaruhi kadar premium yang akan dikenakan ke
atas pemohon insurans hayat yang baru.
Describe each of the following factors that will affect the premium rates to be charged on the new applicant for life insurance.

a) Umur :
Age

b) Jantina :
Gender

c) Gaya hidup dan skop pekerjaan :

Lifestyle and scope of occupation

d) Perokok atau bukan :

Smokers or not

e) Penyakit sedia ada :

Existing illnesses

f) Sejarah perubatan keluarga :

History of family medical

g) Terlibat dengan penyalahgunaan dadah :

Engaging with drug abuse

2. Tandakan pada pampasan yang akan diberikan kepada pemegang polisi insurans hayat.
Mark on compesation given to the life insurance policy hoder.

Kematian Kemalangan Bil hospital

Death Accident Hospital bill

Hilang upaya (ilat) Kebakaran Penyakit kritikal

Lost of ability Fire Critical illness

3. Tandakan pada pampasan yang akan diberikan kepada pemegang polisi insurans perubatan dan kesihatan
Mark on compesation given to the medical and health insurance policy hoder.
Kematian Pendapatan hospital Bil hospital
Death Hospital income Hospital bill

Hilang upaya (ilat) Pendapatan akibat Keilatan Penyakit kritikal

Lost of ability Income caused by lost of ability Critical illness
4. Jadual di bawah menunjukan kadar premium tahunan bagi setiap RM 1000 nilai muka insurans
hayat yang boleh diperbaharui yang ditawarkan oleh sebuah syarikat insurans.
The table below shows the annual premium rate for every RM 1000 face value of renewable life insurance offered by an
insurance company.

Lelaki Perempuan
Male Female
Umur Bukan perokok Perokok Bukan perokok Perokok
Ages
Non-smoker Smoker Non-smoker Smoker
RM RM RM RM
28 2.05 2.66 1.95 2.35
29 2.11 2.75 2.02 2.46
30 2.25 2.89 2.15 2.55
31 2.34 3.01 2.21 2.67
32 2.40 3.17 2.30 2.86
33 2.53 3.28 2.38 2.93
Berdasarkan jadual tersebut, kirakan premium tahunan bagi setiap situasi berikut.
Based on the table, calculate the annual premium for each of the following situations.
a) En Yahya berumur 30 tahun merupakan seorang perokok. Dia ingin membeli polisi insurans
hayat bernilai RM 250 000.
En, Yahya is 30 years old and a smoker. He wants to buy life insurance policy worth RM 250 000.
b) Puan Asmida berumur 28 tahun dan tidak merokok. Dia ingin membeli polisi insurans hayat bernilai
RM 300 000.
Puan Asmida is 28 years old and did not smoke. She wants to buy life insurance policy worth RM 300 000.
c) En Othman berumur 31 tahun dan tidak merokok. Dia ingin membeli polisi insurans hayat bernilai
RM 100 000 dan menambah polisi penyakit kritikal bernilai RM 20 000 dengan kadar premium
bagi setiap RM 1000 ialah RM 1.90.
En, Othman is 31 years old and did not smoke. He wants to buy life insurance policy worth RM 100 000 and add a critical
illness policy worth RM 20 000 with premium rate for every RM 1000 is RM 1.90.
d) Puan Salmi berumur 33 tahun dan tidak merokok. Dia ingin membeli polisi insurans hayat bernilai
RM 500 000 dan menambah polisi kemalangan. Pihak syarikat menawarkan polisi kemalangan dengan
perlindungan sebanyak 50% daripada nilai muka asas dan kadar premium bagi setiap RM 1000 ialah
RM 1.45
Puan Salmi is 33 years old and did not smoke. She wants to buy life insurance policy worth RM 500 000 and add an
accident policy. The company offered the accident policy with a coverage of 50% of the basic face value with premium rate
for every RM 1000 is RM 1.45.
5. Maklumat di bawah menunjukkan kadar premium tahunan yang ditawarkan oleh sebuah syarikat
insurans berdasarkan polisi tertentu.
The information below shows the annual premium rate offered by an insurance company according to certain policy

Insurans Hayat Insurans kemalangan

Life insurance Accident insurance
RM 0.17 bagi setiap RM 100 RM 1.56 bagi setiap RM 1000
RM 0.17 for every RM 100 RM 1.56 for every RM 1000

Insurans Penyakit kritikal Insurans perubatan & kesihatan

Critical illnesses insurance Medical & Health insurance
RM 0.12 bagi setiap RM 100 RM 2.30 bagi setiap RM 1000
RM 0.12 for every RM 100 RM 2.30 for every RM 1000

Berdasarkan maklumat tersebut, kirakan premium bulanan bagi setiap situasi berikut.
Based on the information, calculate the monthly premium for each of the following situations.
a) Mr. Wong ingin membeli polisi sebanyak RM 100 000 bagi insurans hayat, RM 100 000
bagi insurans kemalangan, RM 200 000 insurans penyakit kritikal dan RM 800 000 bagi
insurans perubatan & kesihatan.
Mr. Wong wants to buy policy worth RM 100 000 for life insurance, RM 100 000 for accident insurance, RM 200
000 for critical illnesses insurance and RM 800 000 for medical & health.
b) Puan Komala ingin membeli polisi sebanyak RM 1 000 000 bagi insurans hayat dan menambah polisi
penyakit kritikal dan polisi perubatan & kesihatan. Syarikat menawarkan perlidungan sebanyak 50%
daripada nilai muka untuk polisi penyakit kritikal dan perlindungan 80% daripada nilai muka untuk
polisi perubatan & kesihatan.
Puan Komala wants to buy policy worth RM 1 000 000 for life insurance and wants to add on critical illnesses policy
and medical & health policy. The company offered the coverage of 50% of face value for critical illnesses policy and
coverage of 80% of face value for medical & health policy.
6. Tandakan pada pampasan yang akan diberikan kepada pemegang polisi insurans perjalanan
semasa mereka mengembara.
Mark on compesation given to the travel insurance policy hoder during their travels..

Kematian Kemalangan Bil perubatan

Death Accident Medical bill

Kecacatan akibat kemalangan Kehilangan bagasi, passport Penyakit kritikal

Lost of ability & wang Critical illness
Loss of luggage, passport and money

7. Jadual menunjukkan harga premium bagi insurans perjalanan yang ditawarkan oleh sebuah syarikat
ke negara-negara Asia dan Eropah.
The table shows the premium of travel insurance offered by a company to the Asian & Europe countries

Pemegang polisi Pemegang polisi & pasangan Keluarga

Policy holder Policy holder & spouse Family
Bilangan hari Asia Eropah Asia Eropah Asia Eropah
Number of days
Asia Europe Asia Europe Asia Europe
RM RM RM RM RM RM
1–5 40 55 70 100 130 190
6 – 10 65 80 110 150 230 290
11 – 18 80 95 150 180 290 350
Premium tahunan
Annual premium
280 330 – – – –

Berdasarkan maklumat tersebut, kirakan jumlah premium yang paling rendah bagi setiap situasi berikut.
Based on the information, calculate the lowest total premium for each of the following situations.
a) En. Daniel akan melakukan perjalanan berikut
En. Daniel will make a travel as the following
i) Seorang diri ke Pakistan selama 4 hari
Alone to Pakistan for 4 days
ii) Bersama isteri ke Arab Saudi selama 2 minggu
With his wife to Suadi Arabia for 2 weeks
iii) Bersama isteri dan seorang anak ke Turki selama 10 hari
With his wife and a child to Turkey for 10 days

b) Puan Faridah akan melakukan perjalanan berikut

Puan Faridah will make a travel as the following
i) Seorang diri ke Austria selama 12 hari
Alone to Austria for 12 days
ii) seorang diri ke Perancis selama 2 minggu
Alone to France for 2 weeks
iii) seorang diri ke Wales selama seminggu
Alone to Wales for a week
iv) seorang diri ke Norway selama 2 minggu
Alone to Norway for 2 weeks
8. Jadual di bawah menunjukkan sebahagian faedah bagi insurans kemalangan diri yang ditawarkan
oleh sebuah syarikat.
The table below shows some of the benefits for personal accident insurance offered by a company.

Premium tahunan mengikut pekerjaan

Jumlah perlindungan Annual premium by occupation
Faedah Total coverage Kelas 1 & 2 Kelas 3
Benefit
RM Class 1 & 2 Class 3
RM RM
Kematian akibat kemalangan 100 000
Accidental death
Hilang upaya kekal dan menyeluruh 200 000
Total and permanent disability
450 1 300
Hilang upaya kekal 150 000
Permanent disability

 Kelas 1 : Pekerjaan dalam industri tidak berbahaya dan bekerja dalam pejabat
Class 1 : Occupation in low risk industries and in office
 Kelas 2 : Pekerjaan yang melibatkan tugas-tugas bukan manual dalam industri separa bahaya
Class 2 : Occupation involving non-manual works with semi-hazardous industry
 Kelas 3 : Pekerjaan yang melibatkan tugas-tugas manual dan penggunaan peralatan atau mesin jentera
Class 3 : Occupation involving manual works and use of tools or machinery

a) Puan Asmida bekerja sebagai guru di sebuah sekolah. Kirakan,

Puan Asmida worked as a teacher at a school. Calculate,
i) Premium tahunan yang beliau akan bayar
Annual premium she has to pay
ii) Beliau telah mengalami kemalangan di sekolah hingga menyebabkan tulang belakangnya
patah. Doktor mengesahkan yang beliau akan terlantar seumur hidup. Berapakah pampasan yang
beliau akan terima?
She had suffered an accident at the school to cause her spine broken. The doctor confirmed that she would be
bedridden for life. How much the compensation she will get?
b) Mr. Rohan bekerja sebagai juruteknik di sebuah kilang. Kirakan,
Mr. Rohan worked as a technician at a factory. Calculate,
i) Premium tahunan yang beliau akan bayar
Annual premium he has to pay
ii) Beliau telah mengalami kemalangan di kilang hingga menyebabkan tangannya terpaksa dipotong.
Berapakah pampasan yang beliau akan terima?
He had suffered an accident at the factory to cause his arm to be amputate. How much the compensation he will get?
9. Kirakan jumlah yang perlu ditanggung oleh pemegang polisi bagi setiap kondisi berikut.
Calculate the amount that needs to be borne by the police holder for each of the following
conditions.

a) Bil perubatan = RM 3 500

Medical bills
Deduktibel = RM 500
Deductible
Ko-insurans = 80/20
Co-insurance

b) Bil perubatan = RM 18 350

Medical bills
Deduktibel = RM 2 000
Deductible
Ko-insurans = 70/30
Co-insurance

c) Bil perubatan = RM 34 210

Medical bills
Deduktibel = RM 800
Deductible
Ko-insurans = 75/25
Co-insurance

10. Kirakan jumlah pampasan yang diberi oleh syarikat insurans bagi setiap kondisi berikut.
Calculate the amount of compensation given by the insurance company for each of the following conditions.
a) Bil perubatan = RM 5 760
Medical bills
Deduktibel = RM 700
Deductible
Ko-insurans = 80/20
Co-insurance

b) Bil perubatan = RM 32 400

Medical bills
Deduktibel = RM 3 000
Deductible
Ko-insurans = 75/25
Co-insurance
c) Bil perubatan = RM 15 670
Medical bills
Deduktibel = RM 320
Deductible
Ko-insurans = 60/40
Co-insurance
BAB 3 : INSURANS

11. Puan Rahimah mempunyai polisi insuran perubatan dengan peruntukan deduktibel sebanyak RM 300
dan fasal penyertaan peratusan ko-insurans 80/20 dalam polisinya. Dia baharu sahaja keluar dari wad dan
perlu menanggung sebanyak RM 1 140 daripada keseluruhan bil hospitalnya. Hitungkan nilai bil tersebut.
Puan Rahimah has a medical insurance policy with a deductible provision of RM 300 and a 80/20 co-insurance percentage
participation clause in its policy. She just discharge from the ward and needs to borne RM 1 140 of the total hospital bill.
Calculate the value of the bill.

12. Carol mempunyai polisi insuran perubatan dengan deduktibel sebanyak RM 5 000 dengan had tahunan
bernilai RM 80 000. Polisinya juga menyatakan terdapat ko-insurans adalah pada kadar 75/25. Pada tahun
pertama dalam tempoh insuransnya, Carol telah dimasukkan ke hospital akibat demam denggi dan dikena-
kan kos rawatan sebanyak RM 8 000. Pada tahun berikutnya, Carol melakukan pembedahan jantung dan
dikenakan kos rawatan sebanyak RM 125 000. Nyatakan jumlah pampasan yang dibayar oleh syarikat
insurans bagi tahun pertama dan kedua tempoh insuransnya.
Carol has a medical insurance policy with a deductible of RM 5 000 with an annual limit of RM 80 000. The policy also states
that co-insurance is at the rate of 75/25. In the first year of her insured period, Carol was hospitalized due to dengue fever with
cost of RM 4 000. The following year, Carol had a heart surgery and cost another RM 125 000. Specify the compensation
paid by the insurance company for the first and second year of her insurance period.

13. En. Mustafa mempunyai polisi insurans dengan peruntukkan deduktibel sebanyak RM 450 dan penyertaan
ko-insurans 80/20. Dia mengalami musibah dan kos perubatannya berjumlah RM 12 800. Hitungkan
bayaran yang perlu ditanggung oleh En Mustafa dan bayaran pampasan yang akan diterimanya.
En. Mustafa has an insurance policy with deductible allocation of RM 450 and participation co-insurance 80/20. He suffered a
misfortune and his medical costs amounted to RM 12 800. Calculate the payment to be borne by En. Mustafa and the compensation
he will receive.

BAB 3 ( m/s 11 )
14. Siew Hock mempunyai polisi insuran perubatan dengan deduktibel sebanyak RM 300 per rawatan
dengan had tahunan bernilai RM 50 000. Lengkapkan jadual di bawah.
Siew Hock has a medical insurance policy with a deductible of RM 300 per treatment with an annual limit of RM 50 000.
Complete the table below.
Baki had tahunan Kos rawatan Tanggungan
Bulan Annual limit balance Medical cost Dependents
Month
RM RM RM
Syarikat
Company
Jan 2020 450
Pemegang polisi
Policy holder

Syarikat
Company
Mac 2020 150
Pemegang polisi
Policy holder

Syarikat
Company
Jun 2020 35 000
Pemegang polisi
Policy holder

Syarikat
Company
Julai 2020 16 000
Pemegang polisi
Policy holder

Syarikat
Company
Okt 2020 450
Pemegang polisi
Policy holder

Syarikat
Company
Jan 2021 700
Pemegang polisi
Policy holder

Syarikat
Company
Mac 2021 280
Pemegang polisi
Policy holder

Syarikat
Company
Ogos 2021 2 500
Pemegang polisi
Policy holder
 BAB 3 : INSURANS

15. Mr. Jason ialah seoarang pesakit kanser paru-paru yang memerlukan rawatan secara berkala.
Jadual menunjukkan jumlah kos rawatannya setiap tahun. Jika insuransnya menetapkan had
perlindungan keseluruhan RM 200 000 dengan maksimum RM 70 000 setahun. Lengkapkan jadual
berikut.
Mr. Jason is a lung cancer patients who need treatment periodically. Table shows the total cost of treatment each year. If
insurance sets the limits of overall coverage of RM 200 000 with a maximum of RM 70 000 per year. Complete the table.

Baki had keseluruhan Kos rawatan Tanggungan

Tahun Overall limit balance Medical cost Dependents
Year
RM RM RM

Syarikat
Company

2017 35 000
Pemegang polisi
Policy holder

Syarikat
Company

2018 80 000
Pemegang polisi
Policy holder

Syarikat
Company

2019 120 000

Pemegang polisi
Policy holder

Syarikat
Company

2020 53 000
Pemegang polisi
Policy holder

Syarikat
Company

BAB 3 ( m/s 12 )
BAB 3 : INSURANS
2021 87 000
Pemegang polisi
Policy holder

BAB 3 ( m/s 13 )
C. INSURANS MOTOR & PAKEJNYA
MOTOR INSURANCE & ITS PAKAGE

1. Jadual menunjukkan empat pilihan polisi insurans motor.

The table shows four choices of motor insurance policy

Polisi Pihak ketiga,

Akta Pihak ketiga Komprehensif
Perlindungan Policy kebakaran & kecurian
Act Third party Comprehensive
Coverage Third party, fire & theft
Liabiliti kepada pihak ketiga
akibat kecederaan dan Ya Ya Ya Ya
kematian Liability to third party Yes Yes Yes Yes
due to injury or death
Kerugian terhadap harta
benda yang dialami pihak ketiga Tidak Ya Ya Ya
Loss of property No Yes Yes Yes
suffered by third
party
Kerugian terhadap kenderaan
sendiri akibat kebakaran yang Tidak Tidak Ya Ya
tidak disengajakan atau No No Yes Yes
kecurian Loss to own vehicle due
to
accidental fire and theft
Kerugian dan kerosakan
terhadap kenderaan Tidak Tidak Tidak Ya
sendiri akibat kemalangan No No No Yes
Loss and damage to
own vehicle due to
accident

Berdasarkan jadual di atas, tandakan pada perkara yang Cik Ani boleh tuntut kepada syarikat insurans
jika berlaku kemalangan, sekiranya dia membeli polisi berikut,
Based on above the table, mark on the item that Cik Ani can claims to the insurance company if accident occurred, if
she bought the following policy,
a) Akta b) Pihak ketiga,
Act Third party

Kecederaan Ani Kecederaan Abu Kecederaan Ani Kecederaan Abu

Ani’s injuries Abu’s injuries Ani’s injuries Abu’s injuries

Kerosakan kereta Ani Kerosakan kereta Abu Kerosakan kereta Ani Kerosakan kereta Abu
Ani’s car damage Ani’s car damage Ani’s car damage Ani’s car damage
c) Pihak ketiga, kebakaran & kecurian d) Komprehensif
Third party, fire & theft Comprehensive

Kecederaan Ani Kecederaan Abu Kecederaan Ani Kecederaan Abu

Ani’s injuries Abu’s injuries Ani’s injuries Abu’s injuries

Kerosakan kereta Ani Kerosakan kereta Abu Kerosakan kereta Ani Kerosakan kereta Abu
Ani’s car damage Ani’s car damage Ani’s car damage Ani’s car damage
 2. Jadual menunjukkan jumlah kerugian dalam kemalangan yang disebabkan oleh kecuaian En. Danial.
The table shows the total number of losses in an accident caused by En, Danial’s negligent.

En. Danial telah Perkara

membeli insurans dengan Jumlah kerugian
polisi pihak ketiga, kebakaran & kecurian. Kirakan nilai yang akan
ditanggung oleh syarikat insurans dan nilai yang akan beliau tanggung sendiri.
Things Sum of loss
En. Danial has bought
Kerosakan insurance
kereta pihakwith third-party policies, fire & theft. Calculate the value to be borne by the insurance company
ketiga
and the value he will be incurred for himself. RM 2 500
Third party car damage
Kecederaan pihak ketiga RM 350
Third party injuries
Kerosakan kereta En. Danial RM 3 000
En. Danial’s car damage
Kecederaan En Danial RM 250
3. JadualEn.
di Danial’s injuries
bawah yang menunjukan peratus diskaun tanpa tuntutan (NCD). Nyatakan NCD bagi setiap kes.
The table below that shows the percentage of No Claim Discount (NCD). State the NCD for each cases.

Tahun a) Baru pertama kali membeli b) Ingin membeli insurans kali ke 3

Year
NCD% insurans Would like to buy insurance for
1st time buy insurance 3rd time
1 25

2 30 c) Ingin membeli insurans kali d) Ingin membeli insurans pada

ke 12 2021 di mana insurans pertama
3 38.33 Would like to buy insurance for dibeli pada 2010
12th time Would like to buy insurance on
4 45 2021 where the 1st insurance is
bought on 2010
≥5 55

e) Ingin membeli insurans pada 2021 di mana
insurans pertama pada 2015 tetapi pernah
membuat tuntutan insurans pada 2017
Would like to buy insurance on 2021 where the 1st
insurance is on 2015 but have made a claim on 2017
f) Ingin membeli insurans pada 2021 di mana
insurans pertama pada 2010 tetapi pernah
membuat tuntutan insurans pada 2019
Would like to buy insurance on 2021 where the 1st
insurance is on 2010 but have made a claim on 2019

4. Jadual di bawah yang menunjukan nilai perlindungan untuk cermin bagi beberapa jenis model
kereta. Kirakan nilai premiumnya.
The schedule below shows the protection value for windscreen for some types of car models. Calculate the premium.
Model kereta Jumlah perlindungan Premium tahunan
Car model Protection value Annual premium

Perodua Myvi RM 600

Proton X70 RM 1 500

Toyota Estima RM 3 500

5. Jadual di bawah menunjukkan tarif pengkadaran premium bagi polisi insurans motor yang
dikeluarkan Bank Negara Malaysia pada tahun 2015.
Table below shows the premium rate tariff of motor insurance policy issued by Central Bank of Malaysia on 2015.

Kapasiti enjin Semenanjung Malaysia Sabah dan Sarawak

tidak melebihi Peninsular Malaysia Sabah and Sarawak
Engine capacity Polisi komprehensif Polisi pihak ketiga Polisi komprehensif Polisi pihak ketiga
not exceed Comprehensive policy Third party policy Comprehensive policy Third party policy
(CC) RM RM RM RM
1 400 273.80 120.60 196.20 67.50
1 650 305.50 135.00 220.00 75.60
2 200 339.10 151.20 243.90 85.20
3 050 372.60 167.40 266.50 93.60
4 100 404.30 181.80 290.40 101.70
4 250 436.00 196.20 313.00 110.10
4 400 469.60 212.40 336.90 118.20
> 4 400 501.30 226.80 359.50 126.60
Bagi polisi komprehensif, kadar yang ditunjukkan adalah bagi RM 1000 pertama sahaja. RM 26
(Semenanjung Malaysia) dan RM 20.30(Sabah dan Sarawak) akan dikenakan bagi setiap RM 1000
atau sebahagian daripadanya bagi nilai yang melebihi RM 1000.
For a comprehensive policy, the rate shown is for the first RM1000 only. RM 26 (Peninsular Malaysia) and RM20.30(Sabah
and Sarawak) will be charged for every RM 1000 or part thereof for values exceeding RM 1000.
Bagi polisi pihak ketiga, kebakaran dan kecurian, kadar premiumnya adalah 75% daripada jumlah premium
komprehensif.
For third-party, fire and theft policy, the premium rate is 75% of the total of comprehensive’s premium.
Bagi polisi pihak ketiga, kadar premium adalah seperti yang ditunjukkan.
For third-party policy, the premium rate as shown.

a) Kirakan premium kasar bagi polisi komprehensif, polisi pihak ketiga, kebakaran dan kecurian, dan
polisi pihak ketiga bagi kereta baru dibeli iaitu Toyota Vios 1.5(A) yang bernilai RM 64 800 di Selangor.
Calculate gross premiums for comprehensive policies, third party, fire and theft policies, and third party policies for newly
purchased cars, Toyota Vios 1.5(A) worth RM64 800 in Selangor.
 b) Berdasarkan jadual, kirakan jumlah premium bagi setiap kenderaan berikut.
Based on the table, calculate the total premium for each of the following vehicles.

i) Kenderaan
Vehicle
Audi A4
Kapasiti enjin
Engine capacity
2 000 cc
Jumlah perlindungan
Sum insured
RM 319 700
NCD -
Polisi yang dipohon Komprehensif
Policy applied for comprehensive
Lokasi Kelantan
Location
Jumlah perlindungan cermin RM 4 000
windscreen caverage

ii) Kenderaan
Vehicle
Toyota Velfire
Kapasiti enjin 3 456 cc
Engine capacity
Jumlah perlindungan RM 225 300
Sum insured
NCD 30 %
Polisi yang dipohon Komprehensif
Policy applied for comprehensive
Lokasi Sarawak
Location
Jumlah perlindungan cermin RM 3 500
windscreen caverage

i) Kenderaan
Vehicle
Honda City
Kapasiti enjin 1 497 cc
Engine capacity
Jumlah perlindungan RM 36 888
Sum insured
NCD 45 %
Pihak ketiga,
Polisi yang dipohon
Policy applied for
kebakaran & kecurian
Third party, fire & theft
Lokasi Perlis
Location
ii) iv) Kenderaan
Vehicle
Nissan X-Trial
Kapasiti enjin 2 488 cc
Engine capacity
Jumlah perlindungan
Sum insured
RM 78 600
NCD 25 %
Polisi yang dipohon Komprehensif
Policy applied for comprehensive
Lokasi Johor
Location
Jumlah perlindungan cermin RM 1 200
windscreen caverage

v) Kenderaan Proton Waja

Vehicle
Kapasiti enjin 1 800 cc
Engine capacity
Jumlah perlindungan RM 23 500
Sum insured
NCD -
Pihak ketiga,
Polisi yang dipohon
Policy applied for
kebakaran & kecurian
Third party, fire & theft
Lokasi Sabah
Location

vi) Kenderaan Perodua Kancil

Vehicle
Kapasiti enjin 660 cc
Engine capacity
Jumlah RM 5 000
perlindungan
Sum insured Maksimum
NCD Pihak ketiga
Third party
Polisi yang dipohon
Policy applied for Kuala Lumpur
Lokasi
Location
6. Kereta Proton Wira 1.3 Puan Suhaila telah dicuri. Nilai kereta tersebut adalah RM 6 000. Jika Puan
Suhaila mempunyai polisi insurans pihak ketiga, berapakah pampasan yang boleh beliau tuntut?
Proton Wira 1.3 car belongs to Puan Suhaila was stolen. The value of the car is RM 6 000. If Puan Suhaila has a third party
insurance, how much compensation she can claims?

7. En. Amin mempunyai sebuah kereta Perodua Kancil. Dia membeli insurans dengan polisi komprehensif
bernilai RM 8 000. Selepas itu dia telah mengalami kemalangan dengan sebuah kereta Perodua Myvi.
Kerosakan kereta Perodua Kancilnya dan kereta Perodua Myvi tersebut masing- masing bernilai RM 5 500
dan RM 11 300. Berapakah pampasan yang akan diberikan oleh syarikat insurans kepadanya? Seterusnya
apakah pengajaran yang boleh dibuat berdasarkan situasi ini?
En. Amin has a Perodua Kancil car. He purchased an insurance with a comprehensive policy worth RM 8 000. After that he
had suffered an accident with a Perodua Myvi car. The damage to his Perodua Kancil car and the Perodua Myvi car were
worth RM 5 500 and RM 11 300 respectively. How much compensation will the insurance company give to him? Hence what
lessons can be made based on this situation?

8. Puan Mariam mempunyai NCD maksimum untuk kereta BMWnya. Setelah ditolak NCD tersebut,
dia hanya membayar premium insurans sebanyak RM 1 575. Semasa dia hendak meletakkan
keretanya di lot pakir, dia telah terlanggar tembok penghadang. Nilai kerosakan akibat daripada
kejadian itu
ialah RM 2 800. Wajarkah dia menuntut pampasan insuransnya?
Puan Mariam has the maximum NCD for her BMW car. After deducted the NCD, she only pay an insurance premium of
RM 1 575. When she want to place her car in the parking lot, she had hit a barrier wall. The value of the damage from
from the incident is RM 2 800. Should she claim his insurance compensation?
9. Dalam insurans motor, pemegang polisi bertanggungjawab menanggung deduktibel wajib
berjumlah RM 400 sekiranya kereta dipandu oleh,
In motor insurance, the policyholder is responsible for compulsory deductions amounting to RM 400 if the car is driven by,

a)

b)

c)

10. En. Johari telah membeli insurans motor bernilai RM 25 000 untuk keretanya yang mempunyai peruntukan
deduktibel sebanyak RM 250. Sepanjang tempoh insurans tersebut, keretanya telah mengalami lima kali
kemalangan dengan kerugian seperti yang ditunjukkan dalam jadual di bawah. Lengkapkan jadual tersebut.
En. Johari purchased motor insurance worth RM 25 000 for his car with a deductible allocation of RM 250. During the period
of insurance, his car has suffered five times accident with losses as shown in the table below. Complete the table.

Kerugian Pampasan
Bulan Pemandu Loss Compensation
Month Driver
RM RM

Mac En. Johari 870

Isteri (Penama)
April Wife (Nominee) 680

Anak (Lesen L)
Jun Son (L license )
2 300

September En. Johari 150

Jiran (bukan penama)

November Neighbour 300
(Not a nominee)
 BAB 3 : INSURANS

D. INSURANS BERKAITAN HARTA & PAKEJNYA

PROPERTY INSURANCE & THE PAKAGE
1. Apakah perbezaan antara insurans perubatan dengan insurans harta?
What is the difference between medical insurance and property insurance?

Insurans perubatan Insurans harta

Medical insurance Property insurance

Deduktibel
Deductible

Ko-insurans
Co-insurance

2. En Idris ingin membeli insurans kebakaran untuk rumahnya. Nilai boleh insurans rumah itu ialah
RM 450 000. Kirakan jumlah insurans yang harus dibeli olehnya jika polisi insurans kebakaran
yang ingin dibelinya itu mempunyai peruntukan ko-insurans seperti yang berikut.
Mr Idris would like to buy fire insurance for his home. The insurable value of the house is RM 450 000. Calculate the amount
of insurance that he should purchase if the fire insurance policy have the co-insurance allocation as the following.
a) 80/20
b) 75/25
c) 50/50

BAB 3 ( m/s 20 )
3. Apakah dimaksudkan dengan penalti ko-insurans?
What is the meaning of co-insurance penalty?

4. Miss Jenny membeli insurans kebakaran untuk kedainya. Nilai boleh insurans ialah RM 750 000 dan
mempunyai peruntukan ko-insurans sebanyak 70/30 serta deduktibel sebanyak RM 15 000. Jika berlaku
kebakaran yang menyebab kerugian sejumlah RM 250 000, kirakan nilai pampasan yang syarikat akan
berikan jika dia membeli insurans dengan nilai yang diberikan. Seterusnya nyatakan nilai penalti ko-insurans.
Miss Jenny bought fire insurance for her store. The insurable value is RM 750 000 and has a co-insurance allocation of 70/30
plus a deductible of RM 15 000. If the fire was occurred and caused a loss of RM 250 000, calculate the value of the compensation
that the company will provide if she purchases insurance at the given value. Hence state the value of co-insurance penalty.
a) nilai yang harus dibeli
b) RM 450 000
c) RM 300 000

5. En. Yahya ingin membeli insurans kebakaran untuk rumahnya. Nilai boleh insurans ialah RM 350 000 dan
mempunyai peruntukan ko-insurans sebanyak 85/15 serta deduktibel sebanyak RM 10 000. Jika rumahnya
mengalami kebakaran menyeluruh, berapakah nilai pampasan yang akan dia terima?
En. Yahya wanted to buy fire insurance for his house. The insurance value is RM 350 000 and has a co-insurance provision of
85/15 and deductible of RM 10 000. If the house suffered a total burn, how much compensation would he receive?