{"id":325,"date":"2020-02-16T15:56:34","date_gmt":"2020-02-16T07:56:34","guid":{"rendered":"https:\/\/askprudential.com.my\/?page_id=325"},"modified":"2024-08-08T03:10:32","modified_gmt":"2024-08-07T19:10:32","slug":"what-does-smartsaver-deductible-or-co-takaful-mean","status":"publish","type":"page","link":"https:\/\/askprudential.com.my\/bm\/takaful\/takaful-101\/what-does-smartsaver-deductible-or-co-takaful-mean\/","title":{"rendered":"Apakah maksud SmartSaver, Deduktibel atau Ko-Takaful?"},"content":{"rendered":"<p><strong>SmartSaver<\/strong> adalah jumlah yang perlu anda bayar terlebih dahulu tanpa mengira jumlah kos faedah yang layak bagi setiap hilang upaya (tidak termasuk kos bilik &#038; papan harian). Dalam kes SmartSaver300, anda perlu membayar RM300 pertama daripada jumlah kos faedah yang layak bagi setiap hilang upaya (tidak termasuk kos bilik &#038; dewan harian). Baki selebihnya manfaat yang layak akan dilindungi oleh Dana <em>Tabarru`<\/em> sehingga had tahunan dan seumur hidup, tertakluk kepada caj yang munasabah dan lazim.<\/p>\n<p><strong>Deduktibel<\/strong> adalah jumlah yang perlu anda bayar terlebih dahulu daripada jumlah faedah terkumpul yang layak (tidak termasuk kos bilik &#038; dewan harian) <u><strong>dalam tempoh setahun<\/strong><\/u>. Dalam kes Deduktibel Tinggi sebanyak RM20,000, anda perlu membayar RM20,000 pertama daripada jumlah kos faedah yang layak (tidak termasuk kos bilik harian &#038; dewan). Baki selebihnya manfaat yang layak akan dilindungi oleh Dana <em>Tabarru`<\/em> sehingga had tahunan dan seumur hidup, tertakluk kepada caj yang munasabah dan lazim.<\/p>\n<p><strong>Ko\u2011Takaful<\/strong> adalah jumlah yang perlu anda bayar terlebih dahulu tanpa mengira jumlah kos manfaat yang layak (tidak termasuk kos bilik &#038; dewan harian). Anda hendaklah membayar kadar Ko-Takaful sebanyak 10% (tertakluk kepada minimum dan maksimum jumlah Ko-Takaful) daripada jumlah kos manfaat yang layak (tidak termasuk kos bilik harian &#038; lembaga). Baki selebihnya manfaat yang layak akan dilindungi oleh Dana <em>Tabarru`<\/em> sehingga had tahunan dan seumur hidup, tertakluk kepada caj yang munasabah dan lazim.<\/p>\n<div class=\"epyt-video-wrapper\"><iframe loading=\"lazy\"  id=\"_ytid_67878\"  width=\"640\" height=\"360\"  data-origwidth=\"640\" data-origheight=\"360\"  data-relstop=\"1\" src=\"https:\/\/www.youtube.com\/embed\/PVuPc4hleMo?enablejsapi=1&autoplay=0&cc_load_policy=0&cc_lang_pref=&iv_load_policy=1&loop=0&modestbranding=1&rel=0&fs=1&playsinline=0&autohide=2&theme=dark&color=red&controls=1&\" class=\"__youtube_prefs__  no-lazyload\" title=\"YouTube player\"  allow=\"fullscreen; accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen data-no-lazy=\"1\" data-skipgform_ajax_framebjll=\"\"><\/iframe><\/div>\n<p>&nbsp;<\/p>\n<p>Sila rujuk dokumen sijil anda untuk maklumat lanjut.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>SmartSaver adalah jumlah yang perlu anda bayar terlebih dahulu tanpa mengira jumlah kos faedah yang layak bagi setiap hilang upaya (tidak termasuk kos bilik &#038; papan harian). Dalam kes SmartSaver300, anda perlu membayar RM300 pertama daripada jumlah kos faedah yang layak bagi setiap hilang upaya (tidak termasuk kos bilik &#038; dewan harian). Baki selebihnya manfaat [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":74,"menu_order":35,"comment_status":"closed","ping_status":"closed","template":"template-pages\/page-answer.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-325","page","type-page","status-publish","hentry"],"translation":{"provider":"WPGlobus","version":"3.0.0","language":"bm","enabled_languages":["en","bm","ch"],"languages":{"en":{"title":true,"content":true,"excerpt":false},"bm":{"title":true,"content":true,"excerpt":false},"ch":{"title":false,"content":true,"excerpt":false}}},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Apakah maksud SmartSaver, Deduktibel atau Ko-Takaful? - Ask Prudential<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/askprudential.com.my\/bm\/takaful\/takaful-101\/what-does-smartsaver-deductible-or-co-takaful-mean\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Apakah maksud SmartSaver, Deduktibel atau Ko-Takaful? 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