MAA Takaful Latest Medical Plan - Medica 2015
Medical Card Yang Menjimatkan Jika Anda Kekal Sihat
Diskaun 20% Jika Tiada Tuntutan Setiap 12 Bulan
Bilik Wad Setinggi RM1000 Sehari
Had Tahunan Sehingga RM500,000
Perlindungan 100% (Tiada Ko Takaful)
Tiada Had Seumur Hidup
Renewal Terjamin
Umur Kemasukan 30 hari - 65 Tahun
Second Medical Opinion (46 Critical Illness)
Boleh Dibeli Tanpa Polisi Hayat
Lebih MURAH!!
Hubungi Saya Untuk Maklumat Lanjut;
AZZAM FADHLI BIN ROSLAN
KONSULTAN TAKAFUL
MAA TAKAFUL BERHAD
GEMILANG EMPIRE SDN BHD
012-3488384 / 012-2303556
FB : AZZAM FADHLI ROSLAN
Tunjuk ajar tentang cara-cara buat proposal Takaful yang berkesan dan power hingga dapat menembusi pasaran sedia-ada dan mengelakkan dari berlaku penamatan awal polisi.
Khas untuk konsultan MAA Takaful sahaja. Produk berdasarkan MAA Takafulink
2024 State of Marketing Report – by HubspotMarius Sescu
https://www.hubspot.com/state-of-marketing
· Scaling relationships and proving ROI
· Social media is the place for search, sales, and service
· Authentic influencer partnerships fuel brand growth
· The strongest connections happen via call, click, chat, and camera.
· Time saved with AI leads to more creative work
· Seeking: A single source of truth
· TLDR; Get on social, try AI, and align your systems.
· More human marketing, powered by robots
ChatGPT is a revolutionary addition to the world since its introduction in 2022. A big shift in the sector of information gathering and processing happened because of this chatbot. What is the story of ChatGPT? How is the bot responding to prompts and generating contents? Swipe through these slides prepared by Expeed Software, a web development company regarding the development and technical intricacies of ChatGPT!
Product Design Trends in 2024 | Teenage EngineeringsPixeldarts
The realm of product design is a constantly changing environment where technology and style intersect. Every year introduces fresh challenges and exciting trends that mold the future of this captivating art form. In this piece, we delve into the significant trends set to influence the look and functionality of product design in the year 2024.
How Race, Age and Gender Shape Attitudes Towards Mental HealthThinkNow
Mental health has been in the news quite a bit lately. Dozens of U.S. states are currently suing Meta for contributing to the youth mental health crisis by inserting addictive features into their products, while the U.S. Surgeon General is touring the nation to bring awareness to the growing epidemic of loneliness and isolation. The country has endured periods of low national morale, such as in the 1970s when high inflation and the energy crisis worsened public sentiment following the Vietnam War. The current mood, however, feels different. Gallup recently reported that national mental health is at an all-time low, with few bright spots to lift spirits.
To better understand how Americans are feeling and their attitudes towards mental health in general, ThinkNow conducted a nationally representative quantitative survey of 1,500 respondents and found some interesting differences among ethnic, age and gender groups.
Technology
For example, 52% agree that technology and social media have a negative impact on mental health, but when broken out by race, 61% of Whites felt technology had a negative effect, and only 48% of Hispanics thought it did.
While technology has helped us keep in touch with friends and family in faraway places, it appears to have degraded our ability to connect in person. Staying connected online is a double-edged sword since the same news feed that brings us pictures of the grandkids and fluffy kittens also feeds us news about the wars in Israel and Ukraine, the dysfunction in Washington, the latest mass shooting and the climate crisis.
Hispanics may have a built-in defense against the isolation technology breeds, owing to their large, multigenerational households, strong social support systems, and tendency to use social media to stay connected with relatives abroad.
Age and Gender
When asked how individuals rate their mental health, men rate it higher than women by 11 percentage points, and Baby Boomers rank it highest at 83%, saying it’s good or excellent vs. 57% of Gen Z saying the same.
Gen Z spends the most amount of time on social media, so the notion that social media negatively affects mental health appears to be correlated. Unfortunately, Gen Z is also the generation that’s least comfortable discussing mental health concerns with healthcare professionals. Only 40% of them state they’re comfortable discussing their issues with a professional compared to 60% of Millennials and 65% of Boomers.
Race Affects Attitudes
As seen in previous research conducted by ThinkNow, Asian Americans lag other groups when it comes to awareness of mental health issues. Twenty-four percent of Asian Americans believe that having a mental health issue is a sign of weakness compared to the 16% average for all groups. Asians are also considerably less likely to be aware of mental health services in their communities (42% vs. 55%) and most likely to seek out information on social media (51% vs. 35%).
MAA Takaful Latest Medical Plan - Medica 2015
Medical Card Yang Menjimatkan Jika Anda Kekal Sihat
Diskaun 20% Jika Tiada Tuntutan Setiap 12 Bulan
Bilik Wad Setinggi RM1000 Sehari
Had Tahunan Sehingga RM500,000
Perlindungan 100% (Tiada Ko Takaful)
Tiada Had Seumur Hidup
Renewal Terjamin
Umur Kemasukan 30 hari - 65 Tahun
Second Medical Opinion (46 Critical Illness)
Boleh Dibeli Tanpa Polisi Hayat
Lebih MURAH!!
Hubungi Saya Untuk Maklumat Lanjut;
AZZAM FADHLI BIN ROSLAN
KONSULTAN TAKAFUL
MAA TAKAFUL BERHAD
GEMILANG EMPIRE SDN BHD
012-3488384 / 012-2303556
FB : AZZAM FADHLI ROSLAN
Tunjuk ajar tentang cara-cara buat proposal Takaful yang berkesan dan power hingga dapat menembusi pasaran sedia-ada dan mengelakkan dari berlaku penamatan awal polisi.
Khas untuk konsultan MAA Takaful sahaja. Produk berdasarkan MAA Takafulink
2024 State of Marketing Report – by HubspotMarius Sescu
https://www.hubspot.com/state-of-marketing
· Scaling relationships and proving ROI
· Social media is the place for search, sales, and service
· Authentic influencer partnerships fuel brand growth
· The strongest connections happen via call, click, chat, and camera.
· Time saved with AI leads to more creative work
· Seeking: A single source of truth
· TLDR; Get on social, try AI, and align your systems.
· More human marketing, powered by robots
ChatGPT is a revolutionary addition to the world since its introduction in 2022. A big shift in the sector of information gathering and processing happened because of this chatbot. What is the story of ChatGPT? How is the bot responding to prompts and generating contents? Swipe through these slides prepared by Expeed Software, a web development company regarding the development and technical intricacies of ChatGPT!
Product Design Trends in 2024 | Teenage EngineeringsPixeldarts
The realm of product design is a constantly changing environment where technology and style intersect. Every year introduces fresh challenges and exciting trends that mold the future of this captivating art form. In this piece, we delve into the significant trends set to influence the look and functionality of product design in the year 2024.
How Race, Age and Gender Shape Attitudes Towards Mental HealthThinkNow
Mental health has been in the news quite a bit lately. Dozens of U.S. states are currently suing Meta for contributing to the youth mental health crisis by inserting addictive features into their products, while the U.S. Surgeon General is touring the nation to bring awareness to the growing epidemic of loneliness and isolation. The country has endured periods of low national morale, such as in the 1970s when high inflation and the energy crisis worsened public sentiment following the Vietnam War. The current mood, however, feels different. Gallup recently reported that national mental health is at an all-time low, with few bright spots to lift spirits.
To better understand how Americans are feeling and their attitudes towards mental health in general, ThinkNow conducted a nationally representative quantitative survey of 1,500 respondents and found some interesting differences among ethnic, age and gender groups.
Technology
For example, 52% agree that technology and social media have a negative impact on mental health, but when broken out by race, 61% of Whites felt technology had a negative effect, and only 48% of Hispanics thought it did.
While technology has helped us keep in touch with friends and family in faraway places, it appears to have degraded our ability to connect in person. Staying connected online is a double-edged sword since the same news feed that brings us pictures of the grandkids and fluffy kittens also feeds us news about the wars in Israel and Ukraine, the dysfunction in Washington, the latest mass shooting and the climate crisis.
Hispanics may have a built-in defense against the isolation technology breeds, owing to their large, multigenerational households, strong social support systems, and tendency to use social media to stay connected with relatives abroad.
Age and Gender
When asked how individuals rate their mental health, men rate it higher than women by 11 percentage points, and Baby Boomers rank it highest at 83%, saying it’s good or excellent vs. 57% of Gen Z saying the same.
Gen Z spends the most amount of time on social media, so the notion that social media negatively affects mental health appears to be correlated. Unfortunately, Gen Z is also the generation that’s least comfortable discussing mental health concerns with healthcare professionals. Only 40% of them state they’re comfortable discussing their issues with a professional compared to 60% of Millennials and 65% of Boomers.
Race Affects Attitudes
As seen in previous research conducted by ThinkNow, Asian Americans lag other groups when it comes to awareness of mental health issues. Twenty-four percent of Asian Americans believe that having a mental health issue is a sign of weakness compared to the 16% average for all groups. Asians are also considerably less likely to be aware of mental health services in their communities (42% vs. 55%) and most likely to seek out information on social media (51% vs. 35%).
AI Trends in Creative Operations 2024 by Artwork Flow.pdfmarketingartwork
Creative operations teams expect increased AI use in 2024. Currently, over half of tasks are not AI-enabled, but this is expected to decrease in the coming year. ChatGPT is the most popular AI tool currently. Business leaders are more actively exploring AI benefits than individual contributors. Most respondents do not believe AI will impact workforce size in 2024. However, some inhibitions still exist around AI accuracy and lack of understanding. Creatives primarily want to use AI to save time on mundane tasks and boost productivity.
Organizational culture includes values, norms, systems, symbols, language, assumptions, beliefs, and habits that influence employee behaviors and how people interpret those behaviors. It is important because culture can help or hinder a company's success. Some key aspects of Netflix's culture that help it achieve results include hiring smartly so every position has stars, focusing on attitude over just aptitude, and having a strict policy against peacocks, whiners, and jerks.
PEPSICO Presentation to CAGNY Conference Feb 2024Neil Kimberley
PepsiCo provided a safe harbor statement noting that any forward-looking statements are based on currently available information and are subject to risks and uncertainties. It also provided information on non-GAAP measures and directing readers to its website for disclosure and reconciliation. The document then discussed PepsiCo's business overview, including that it is a global beverage and convenient food company with iconic brands, $91 billion in net revenue in 2023, and nearly $14 billion in core operating profit. It operates through a divisional structure with a focus on local consumers.
Content Methodology: A Best Practices Report (Webinar)contently
This document provides an overview of content methodology best practices. It defines content methodology as establishing objectives, KPIs, and a culture of continuous learning and iteration. An effective methodology focuses on connecting with audiences, creating optimal content, and optimizing processes. It also discusses why a methodology is needed due to the competitive landscape, proliferation of channels, and opportunities for improvement. Components of an effective methodology include defining objectives and KPIs, audience analysis, identifying opportunities, and evaluating resources. The document concludes with recommendations around creating a content plan, testing and optimizing content over 90 days.
How to Prepare For a Successful Job Search for 2024Albert Qian
The document provides guidance on preparing a job search for 2024. It discusses the state of the job market, focusing on growth in AI and healthcare but also continued layoffs. It recommends figuring out what you want to do by researching interests and skills, then conducting informational interviews. The job search should involve building a personal brand on LinkedIn, actively applying to jobs, tailoring resumes and interviews, maintaining job hunting as a habit, and continuing self-improvement. Once hired, the document advises setting new goals and keeping skills and networking active in case of future opportunities.
A report by thenetworkone and Kurio.
The contributing experts and agencies are (in an alphabetical order): Sylwia Rytel, Social Media Supervisor, 180heartbeats + JUNG v MATT (PL), Sharlene Jenner, Vice President - Director of Engagement Strategy, Abelson Taylor (USA), Alex Casanovas, Digital Director, Atrevia (ES), Dora Beilin, Senior Social Strategist, Barrett Hoffher (USA), Min Seo, Campaign Director, Brand New Agency (KR), Deshé M. Gully, Associate Strategist, Day One Agency (USA), Francesca Trevisan, Strategist, Different (IT), Trevor Crossman, CX and Digital Transformation Director; Olivia Hussey, Strategic Planner; Simi Srinarula, Social Media Manager, The Hallway (AUS), James Hebbert, Managing Director, Hylink (CN / UK), Mundy Álvarez, Planning Director; Pedro Rojas, Social Media Manager; Pancho González, CCO, Inbrax (CH), Oana Oprea, Head of Digital Planning, Jam Session Agency (RO), Amy Bottrill, Social Account Director, Launch (UK), Gaby Arriaga, Founder, Leonardo1452 (MX), Shantesh S Row, Creative Director, Liwa (UAE), Rajesh Mehta, Chief Strategy Officer; Dhruv Gaur, Digital Planning Lead; Leonie Mergulhao, Account Supervisor - Social Media & PR, Medulla (IN), Aurelija Plioplytė, Head of Digital & Social, Not Perfect (LI), Daiana Khaidargaliyeva, Account Manager, Osaka Labs (UK / USA), Stefanie Söhnchen, Vice President Digital, PIABO Communications (DE), Elisabeth Winiartati, Managing Consultant, Head of Global Integrated Communications; Lydia Aprina, Account Manager, Integrated Marketing and Communications; Nita Prabowo, Account Manager, Integrated Marketing and Communications; Okhi, Web Developer, PNTR Group (ID), Kei Obusan, Insights Director; Daffi Ranandi, Insights Manager, Radarr (SG), Gautam Reghunath, Co-founder & CEO, Talented (IN), Donagh Humphreys, Head of Social and Digital Innovation, THINKHOUSE (IRE), Sarah Yim, Strategy Director, Zulu Alpha Kilo (CA).
Trends In Paid Search: Navigating The Digital Landscape In 2024Search Engine Journal
The search marketing landscape is evolving rapidly with new technologies, and professionals, like you, rely on innovative paid search strategies to meet changing demands.
It’s important that you’re ready to implement new strategies in 2024.
Check this out and learn the top trends in paid search advertising that are expected to gain traction, so you can drive higher ROI more efficiently in 2024.
You’ll learn:
- The latest trends in AI and automation, and what this means for an evolving paid search ecosystem.
- New developments in privacy and data regulation.
- Emerging ad formats that are expected to make an impact next year.
Watch Sreekant Lanka from iQuanti and Irina Klein from OneMain Financial as they dive into the future of paid search and explore the trends, strategies, and technologies that will shape the search marketing landscape.
If you’re looking to assess your paid search strategy and design an industry-aligned plan for 2024, then this webinar is for you.
5 Public speaking tips from TED - Visualized summarySpeakerHub
From their humble beginnings in 1984, TED has grown into the world’s most powerful amplifier for speakers and thought-leaders to share their ideas. They have over 2,400 filmed talks (not including the 30,000+ TEDx videos) freely available online, and have hosted over 17,500 events around the world.
With over one billion views in a year, it’s no wonder that so many speakers are looking to TED for ideas on how to share their message more effectively.
The article “5 Public-Speaking Tips TED Gives Its Speakers”, by Carmine Gallo for Forbes, gives speakers five practical ways to connect with their audience, and effectively share their ideas on stage.
Whether you are gearing up to get on a TED stage yourself, or just want to master the skills that so many of their speakers possess, these tips and quotes from Chris Anderson, the TED Talks Curator, will encourage you to make the most impactful impression on your audience.
See the full article and more summaries like this on SpeakerHub here: https://speakerhub.com/blog/5-presentation-tips-ted-gives-its-speakers
See the original article on Forbes here:
http://www.forbes.com/forbes/welcome/?toURL=http://www.forbes.com/sites/carminegallo/2016/05/06/5-public-speaking-tips-ted-gives-its-speakers/&refURL=&referrer=#5c07a8221d9b
ChatGPT and the Future of Work - Clark Boyd Clark Boyd
Everyone is in agreement that ChatGPT (and other generative AI tools) will shape the future of work. Yet there is little consensus on exactly how, when, and to what extent this technology will change our world.
Businesses that extract maximum value from ChatGPT will use it as a collaborative tool for everything from brainstorming to technical maintenance.
For individuals, now is the time to pinpoint the skills the future professional will need to thrive in the AI age.
Check out this presentation to understand what ChatGPT is, how it will shape the future of work, and how you can prepare to take advantage.
The document provides career advice for getting into the tech field, including:
- Doing projects and internships in college to build a portfolio.
- Learning about different roles and technologies through industry research.
- Contributing to open source projects to build experience and network.
- Developing a personal brand through a website and social media presence.
- Networking through events, communities, and finding a mentor.
- Practicing interviews through mock interviews and whiteboarding coding questions.
Google's Just Not That Into You: Understanding Core Updates & Search IntentLily Ray
1. Core updates from Google periodically change how its algorithms assess and rank websites and pages. This can impact rankings through shifts in user intent, site quality issues being caught up to, world events influencing queries, and overhauls to search like the E-A-T framework.
2. There are many possible user intents beyond just transactional, navigational and informational. Identifying intent shifts is important during core updates. Sites may need to optimize for new intents through different content types and sections.
3. Responding effectively to core updates requires analyzing "before and after" data to understand changes, identifying new intents or page types, and ensuring content matches appropriate intents across video, images, knowledge graphs and more.
A brief introduction to DataScience with explaining of the concepts, algorithms, machine learning, supervised and unsupervised learning, clustering, statistics, data preprocessing, real-world applications etc.
It's part of a Data Science Corner Campaign where I will be discussing the fundamentals of DataScience, AIML, Statistics etc.
Time Management & Productivity - Best PracticesVit Horky
Here's my presentation on by proven best practices how to manage your work time effectively and how to improve your productivity. It includes practical tips and how to use tools such as Slack, Google Apps, Hubspot, Google Calendar, Gmail and others.
The six step guide to practical project managementMindGenius
The six step guide to practical project management
If you think managing projects is too difficult, think again.
We’ve stripped back project management processes to the
basics – to make it quicker and easier, without sacrificing
the vital ingredients for success.
“If you’re looking for some real-world guidance, then The Six Step Guide to Practical Project Management will help.”
Dr Andrew Makar, Tactical Project Management
Unlocking the Power of ChatGPT and AI in Testing - A Real-World Look, present...Applitools
During this webinar, Anand Bagmar demonstrates how AI tools such as ChatGPT can be applied to various stages of the software development life cycle (SDLC) using an eCommerce application case study. Find the on-demand recording and more info at https://applitools.info/b59
Key takeaways:
• Learn how to use ChatGPT to add AI power to your testing and test automation
• Understand the limitations of the technology and where human expertise is crucial
• Gain insight into different AI-based tools
• Adopt AI-based tools to stay relevant and optimize work for developers and testers
* ChatGPT and OpenAI belong to OpenAI, L.L.C.
The document discusses various AI tools from OpenAI like GPT-3 and DALL-E 2, as well as ChatGPT. It explores how search engines are using AI and things to consider around AI-generated content. Potential SEO uses of ChatGPT are also presented, such as generating content at scale, conducting topic research, and automating basic coding tasks. The document encourages further reading on using ChatGPT for SEO purposes.
More than Just Lines on a Map: Best Practices for U.S Bike Routes
This session highlights best practices and lessons learned for U.S. Bike Route System designation, as well as how and why these routes should be integrated into bicycle planning at the local and regional level.
Presenters:
Presenter: Kevin Luecke Toole Design Group
Co-Presenter: Virginia Sullivan Adventure Cycling Association
AI Trends in Creative Operations 2024 by Artwork Flow.pdfmarketingartwork
Creative operations teams expect increased AI use in 2024. Currently, over half of tasks are not AI-enabled, but this is expected to decrease in the coming year. ChatGPT is the most popular AI tool currently. Business leaders are more actively exploring AI benefits than individual contributors. Most respondents do not believe AI will impact workforce size in 2024. However, some inhibitions still exist around AI accuracy and lack of understanding. Creatives primarily want to use AI to save time on mundane tasks and boost productivity.
Organizational culture includes values, norms, systems, symbols, language, assumptions, beliefs, and habits that influence employee behaviors and how people interpret those behaviors. It is important because culture can help or hinder a company's success. Some key aspects of Netflix's culture that help it achieve results include hiring smartly so every position has stars, focusing on attitude over just aptitude, and having a strict policy against peacocks, whiners, and jerks.
PEPSICO Presentation to CAGNY Conference Feb 2024Neil Kimberley
PepsiCo provided a safe harbor statement noting that any forward-looking statements are based on currently available information and are subject to risks and uncertainties. It also provided information on non-GAAP measures and directing readers to its website for disclosure and reconciliation. The document then discussed PepsiCo's business overview, including that it is a global beverage and convenient food company with iconic brands, $91 billion in net revenue in 2023, and nearly $14 billion in core operating profit. It operates through a divisional structure with a focus on local consumers.
Content Methodology: A Best Practices Report (Webinar)contently
This document provides an overview of content methodology best practices. It defines content methodology as establishing objectives, KPIs, and a culture of continuous learning and iteration. An effective methodology focuses on connecting with audiences, creating optimal content, and optimizing processes. It also discusses why a methodology is needed due to the competitive landscape, proliferation of channels, and opportunities for improvement. Components of an effective methodology include defining objectives and KPIs, audience analysis, identifying opportunities, and evaluating resources. The document concludes with recommendations around creating a content plan, testing and optimizing content over 90 days.
How to Prepare For a Successful Job Search for 2024Albert Qian
The document provides guidance on preparing a job search for 2024. It discusses the state of the job market, focusing on growth in AI and healthcare but also continued layoffs. It recommends figuring out what you want to do by researching interests and skills, then conducting informational interviews. The job search should involve building a personal brand on LinkedIn, actively applying to jobs, tailoring resumes and interviews, maintaining job hunting as a habit, and continuing self-improvement. Once hired, the document advises setting new goals and keeping skills and networking active in case of future opportunities.
A report by thenetworkone and Kurio.
The contributing experts and agencies are (in an alphabetical order): Sylwia Rytel, Social Media Supervisor, 180heartbeats + JUNG v MATT (PL), Sharlene Jenner, Vice President - Director of Engagement Strategy, Abelson Taylor (USA), Alex Casanovas, Digital Director, Atrevia (ES), Dora Beilin, Senior Social Strategist, Barrett Hoffher (USA), Min Seo, Campaign Director, Brand New Agency (KR), Deshé M. Gully, Associate Strategist, Day One Agency (USA), Francesca Trevisan, Strategist, Different (IT), Trevor Crossman, CX and Digital Transformation Director; Olivia Hussey, Strategic Planner; Simi Srinarula, Social Media Manager, The Hallway (AUS), James Hebbert, Managing Director, Hylink (CN / UK), Mundy Álvarez, Planning Director; Pedro Rojas, Social Media Manager; Pancho González, CCO, Inbrax (CH), Oana Oprea, Head of Digital Planning, Jam Session Agency (RO), Amy Bottrill, Social Account Director, Launch (UK), Gaby Arriaga, Founder, Leonardo1452 (MX), Shantesh S Row, Creative Director, Liwa (UAE), Rajesh Mehta, Chief Strategy Officer; Dhruv Gaur, Digital Planning Lead; Leonie Mergulhao, Account Supervisor - Social Media & PR, Medulla (IN), Aurelija Plioplytė, Head of Digital & Social, Not Perfect (LI), Daiana Khaidargaliyeva, Account Manager, Osaka Labs (UK / USA), Stefanie Söhnchen, Vice President Digital, PIABO Communications (DE), Elisabeth Winiartati, Managing Consultant, Head of Global Integrated Communications; Lydia Aprina, Account Manager, Integrated Marketing and Communications; Nita Prabowo, Account Manager, Integrated Marketing and Communications; Okhi, Web Developer, PNTR Group (ID), Kei Obusan, Insights Director; Daffi Ranandi, Insights Manager, Radarr (SG), Gautam Reghunath, Co-founder & CEO, Talented (IN), Donagh Humphreys, Head of Social and Digital Innovation, THINKHOUSE (IRE), Sarah Yim, Strategy Director, Zulu Alpha Kilo (CA).
Trends In Paid Search: Navigating The Digital Landscape In 2024Search Engine Journal
The search marketing landscape is evolving rapidly with new technologies, and professionals, like you, rely on innovative paid search strategies to meet changing demands.
It’s important that you’re ready to implement new strategies in 2024.
Check this out and learn the top trends in paid search advertising that are expected to gain traction, so you can drive higher ROI more efficiently in 2024.
You’ll learn:
- The latest trends in AI and automation, and what this means for an evolving paid search ecosystem.
- New developments in privacy and data regulation.
- Emerging ad formats that are expected to make an impact next year.
Watch Sreekant Lanka from iQuanti and Irina Klein from OneMain Financial as they dive into the future of paid search and explore the trends, strategies, and technologies that will shape the search marketing landscape.
If you’re looking to assess your paid search strategy and design an industry-aligned plan for 2024, then this webinar is for you.
5 Public speaking tips from TED - Visualized summarySpeakerHub
From their humble beginnings in 1984, TED has grown into the world’s most powerful amplifier for speakers and thought-leaders to share their ideas. They have over 2,400 filmed talks (not including the 30,000+ TEDx videos) freely available online, and have hosted over 17,500 events around the world.
With over one billion views in a year, it’s no wonder that so many speakers are looking to TED for ideas on how to share their message more effectively.
The article “5 Public-Speaking Tips TED Gives Its Speakers”, by Carmine Gallo for Forbes, gives speakers five practical ways to connect with their audience, and effectively share their ideas on stage.
Whether you are gearing up to get on a TED stage yourself, or just want to master the skills that so many of their speakers possess, these tips and quotes from Chris Anderson, the TED Talks Curator, will encourage you to make the most impactful impression on your audience.
See the full article and more summaries like this on SpeakerHub here: https://speakerhub.com/blog/5-presentation-tips-ted-gives-its-speakers
See the original article on Forbes here:
http://www.forbes.com/forbes/welcome/?toURL=http://www.forbes.com/sites/carminegallo/2016/05/06/5-public-speaking-tips-ted-gives-its-speakers/&refURL=&referrer=#5c07a8221d9b
ChatGPT and the Future of Work - Clark Boyd Clark Boyd
Everyone is in agreement that ChatGPT (and other generative AI tools) will shape the future of work. Yet there is little consensus on exactly how, when, and to what extent this technology will change our world.
Businesses that extract maximum value from ChatGPT will use it as a collaborative tool for everything from brainstorming to technical maintenance.
For individuals, now is the time to pinpoint the skills the future professional will need to thrive in the AI age.
Check out this presentation to understand what ChatGPT is, how it will shape the future of work, and how you can prepare to take advantage.
The document provides career advice for getting into the tech field, including:
- Doing projects and internships in college to build a portfolio.
- Learning about different roles and technologies through industry research.
- Contributing to open source projects to build experience and network.
- Developing a personal brand through a website and social media presence.
- Networking through events, communities, and finding a mentor.
- Practicing interviews through mock interviews and whiteboarding coding questions.
Google's Just Not That Into You: Understanding Core Updates & Search IntentLily Ray
1. Core updates from Google periodically change how its algorithms assess and rank websites and pages. This can impact rankings through shifts in user intent, site quality issues being caught up to, world events influencing queries, and overhauls to search like the E-A-T framework.
2. There are many possible user intents beyond just transactional, navigational and informational. Identifying intent shifts is important during core updates. Sites may need to optimize for new intents through different content types and sections.
3. Responding effectively to core updates requires analyzing "before and after" data to understand changes, identifying new intents or page types, and ensuring content matches appropriate intents across video, images, knowledge graphs and more.
A brief introduction to DataScience with explaining of the concepts, algorithms, machine learning, supervised and unsupervised learning, clustering, statistics, data preprocessing, real-world applications etc.
It's part of a Data Science Corner Campaign where I will be discussing the fundamentals of DataScience, AIML, Statistics etc.
Time Management & Productivity - Best PracticesVit Horky
Here's my presentation on by proven best practices how to manage your work time effectively and how to improve your productivity. It includes practical tips and how to use tools such as Slack, Google Apps, Hubspot, Google Calendar, Gmail and others.
The six step guide to practical project managementMindGenius
The six step guide to practical project management
If you think managing projects is too difficult, think again.
We’ve stripped back project management processes to the
basics – to make it quicker and easier, without sacrificing
the vital ingredients for success.
“If you’re looking for some real-world guidance, then The Six Step Guide to Practical Project Management will help.”
Dr Andrew Makar, Tactical Project Management
Unlocking the Power of ChatGPT and AI in Testing - A Real-World Look, present...Applitools
During this webinar, Anand Bagmar demonstrates how AI tools such as ChatGPT can be applied to various stages of the software development life cycle (SDLC) using an eCommerce application case study. Find the on-demand recording and more info at https://applitools.info/b59
Key takeaways:
• Learn how to use ChatGPT to add AI power to your testing and test automation
• Understand the limitations of the technology and where human expertise is crucial
• Gain insight into different AI-based tools
• Adopt AI-based tools to stay relevant and optimize work for developers and testers
* ChatGPT and OpenAI belong to OpenAI, L.L.C.
The document discusses various AI tools from OpenAI like GPT-3 and DALL-E 2, as well as ChatGPT. It explores how search engines are using AI and things to consider around AI-generated content. Potential SEO uses of ChatGPT are also presented, such as generating content at scale, conducting topic research, and automating basic coding tasks. The document encourages further reading on using ChatGPT for SEO purposes.
More than Just Lines on a Map: Best Practices for U.S Bike Routes
This session highlights best practices and lessons learned for U.S. Bike Route System designation, as well as how and why these routes should be integrated into bicycle planning at the local and regional level.
Presenters:
Presenter: Kevin Luecke Toole Design Group
Co-Presenter: Virginia Sullivan Adventure Cycling Association
More than Just Lines on a Map: Best Practices for U.S Bike Routes
Smart medic100
1. SmartMedic 100
KAMI MEMBANTU ANDA MERANCANG SESUATU YANG TIDAK DIRANCANG…
Kemajuan dalam teknologi perubatan perlu dibayar dengan harga yang tinggi. Ditambah pula dengan kos
sara hidup dan pendidikan anak-anak, anda dan orang yang tersayang mungkin terpaksa menanggung
kesempitan kewangan jika anda tidak merancang perbelanjaan hospital. Kebenarannya, pembedahan yang
tidak diduga dan tidak dapat dielakkan boleh menghabiskan keseluruhan simpanan anda.
Dengan SmartMedic 100, kami menawarkan anda kemasukan hospital yang dijamin dan menguruskan
segala bil-bil perubatan sejurus selepas anda keluar dari panel hospital kami. SmartMedic 100 memberikan
anda dan keluarga anda satu ketenangan dengan perlindungan yang komprehensif dan berkualiti terutama
sekali bila anda memerlukannya.
SmartMedic 100 bekerjasama dengan salah sebuah ‘Managed Care Organization’ iaitu Metronic iCares
Services. Metronic iCares Services menyediakan anda dengan bantuan percuma 24 jam bagi memudahkan
anda;
• Kemasukan ke Hospital
• Penyelesaian terus ke atas bil-bil hospital sejurus selepas keluar hospital*
SmartMedic 100 juga menyediakan perlindungan yang tidak ternilai sehingga umur 80 tahun! Diri anda
dijamin dengan perlindungan ke atas sesuatu yang tidak dapat dielakkan apabila anda memperbaharui
pelan ini tertakluk kepada had seumur hidup. Di samping itu, SmartMedic 100 juga menawarkan faedah
Khairat Kematian** sebanyak RM5,000, yang mana akan dibayar jika berlakunya kematian semua sebab.
Tambahan lagi, Smartmedic 100 dijamin pembaharuan sehingga berumur 80 tahun.
Perlindungan di Seluruh Dunia…
Anda boleh melancong dengan penuh ketenangan di mana anda sedia maklum bahawa anda akan dilindungi
di mana-mana sahaja di serata dunia. Perkhidmatan-perkhidmatan yang disediakan adalah seperti berikut:
• Program Bantuan Perubatan Antarabangsa – pemindahan perubatan kecemasan, penyeliaan
penghantaran balik dari segi perubatan, penghantaran ubtat yang tidak boleh didapati di pasaran
tempatan, penghantaran balik mayat, kepulangan anak-anak tanggungan, 24 jam khidmat bantuan
untuk rujukan perubatan dan sebagainya.
• Bantuan Perjalanan*** - menyediakan maklumat berkaitan inokulasi, keperluan visa, bantuan penemuan
kehilangan bagasi, dokumen dan barang-barang persendirian, maklumat cuaca, maklumat pertukaran
asing, aturan dan informasi penerbangan, rujukan perundangan, rujukan penterjemah dan penyampaian
mesej kecemasan.
• Bantuan Kereta***- penundaan kecemasan 24 jam dan pembaikan kecil di tepi jalan, bantuan kereta
sewa, bantuan urusan penginapan hotel dan rujukan kepada pusat-pusat perkhidmatan yang lain.
• Bantuan Kediaman***- perkhidmatan membaiki paip, tukang cuci, pembaikan am dan kawalan serangga
perosak.
* Tertakluk kepada kelayakan dan faedah had pelan. Sila rujuk kepada jadual faedah.
** Faedah Khairat Kematian hanya didapati pada Pelan Asas SmartMedic 100 sahaja.
*** hidmat rujukan sahaja. Apa-apa perbelanjaan dan/atau tanggungan akan ditanggung oleh pemilik sijil. Segala khidmat
K
bantuan disediakan oleh pihak ketiga and penyambungan khidmat bantuan tersebut adalah tertakluk kepada perjanjian diantara
Pengendali Takaful dan pengendali khidmat bantuan.
Ingin mengetahui dengan lebih lanjut?
Sila hubungi perunding MAA Takaful hari ini untuk sebarang khidmat nasihat di atas pelan yang paling sesuai
dengan kehendak anda untuk pertanyaan selanjutnya, sila hubungi Pusat Panggilan kami di 603 6287 6666
atau emel kepada kami di info@maatakaful.com.my
2. SmartMedic 100
Jadual Faedah
Pelan 1 (RM) Pelan 2 (RM) Pelan 3 (RM) Pelan 4 (RM)
HAD TAHUNAN KESELURUHAN 50,000 100,000 150,000 200,000
HAD SEUMUR HIDUP 150,000 300,000 450,000 600,000
Khairat Kematian* (SEMUA SEBAB) 5,000
Faedah Hospital
Bilik Hospital & Makan (maks. 200 hari
150 200 300 450
setahun)
Unit Rawatan Rapi (maks. 60 hari setahun)
Bekalan & Khidmat Hospital
Yuran Pembedahan
Yuran Pakar Bius
Bilik Bedah
Ujian Diagnostik Pra-Hospital
(Dalam masa 60 hari sebelum kemasukan) Seperti Yang Dicaj
Rundingan Pakar Pra-Hospital
(Dalam masa 60 hari sebelum kemasukan)
Lawatan Pakar Perubatan Dalam Hospital
(mak. 200 hari setiap tahun)
Rawatan Selepas Penghospitalan
(Dalam masa 30 hari dari tarikh keluar)
Faedah Pesakit Luar
Rawatan Pesakit Luar bagi Kemalangan dan
Kecemasan
(Dalam masa 24 jam dan rawatan susulan
sehingga mak. 31 hari) Seperti Yang Dicaj
Rawatan Fisioterapi Pesakit Luar
(Dalam masa 90 hari dari tarikh keluar
hospital/pembedahan)
Bayaran Ambulans 300 400 500 750
Rawatan Dialisis Buah Pinggang Pesakit Luar
12,000 18,000 25,000 35,000
(setiap tahun)
Rawatan Kanser Pesakit Luar (setiap tahun) 12,000 18,000 25,000 35,000
Faedah-Faedah Yang Lain
Ekaun Tunai Harian di Hospital Kerajaan
50 60 75 85
(maks. 200 hari setiap tahun)
Penjagaan Kejururawatan di Rumah
500 750 1,000 1,500
(Maks. Setiap hilang upaya)
Manfaat Penjaga Harian bagi Kanak-Kanak
Yang Dilindungi 200 250 300 400
(Maks. Setiap hilang upaya)
Yuran Laporan Perubatan 80 80 100 100
Cukai Perkhidmatan Kerajaan Seperti Yang Dicaj
Nota: * Faedah Khairat Kematian hanya didapati pada Pelan Asas SmartMedic 100 sahaja.
3. SmartMedic 100
Jadual Caruman
Caruman Tahunan SmartMedic 100 (Pelan Asas)
Lingkungan Umur Lelaki Perempuan
(Hari Lahir Yang Lepas)
Pelan 1 Pelan 2 Pelan 3 Pelan 4 Pelan 1 Pelan 2 Pelan 3 Pelan 4
30 hari – 5 665 844 1,077 1,465 665 844 1,077 1,465
6 – 15 387 484 610 820 387 484 610 820
16 – 21 553 699 888 1,201 577 730 929 1,258
22 – 29 514 650 822 1,114 536 679 860 1,166
30 – 39 633 804 1,026 1,359 662 842 1,075 1,424
40 – 49 874 1,097 1,385 1,821 878 1,112 1,415 1,871
50 – 54 1,321 1,653 2,084 2,728 1,322 1,672 2,124 2,800
55 – 59 1,747 2,175 2,730 3,561 1,758 2,20 8 2,790 3,663
60 – 64 (Pembaharuan Sahaja) 2,113 2,649 3,342 4,381 2,058 2,594 3,287 4,326
65 – 69 (Pembaharuan Sahaja) 2,676 3,369 4,267 5,611 2,620 3,313 4,211 5,555
70 – 74 (Pembaharuan Sahaja) 3,115 3,960 4,931 6,465 3,002 3,847 4,818 6,352
75 – 79 (Pembaharuan Sahaja) 4,041 5,096 6,310 8,225 3,871 4,926 6,140 8,055
Note: 1. Caruman yang dinyatakan adalah tidak dijamin. Sila rujuk kepada ‘Summary Information Sheet’
untuk keterangan lanjut mengenai jenis-jenis caruman.
2. MAA Takaful Berhad mempunyai hak untuk menyemak kadar caruman apabila tiba masa
pembaharuan dengan memberi notis dalam masa sembilan puluh (90) hari notis bertulis kepada
peserta.
Kelayakan
Sesiapa sahaja yang berumur di antara 30 hari sehingga 59 tahun yang mempunyai kadar kesihatan yang
baik.
Perkongsian Lebihan
Lebihan pada akhir tahun (jika ada) akan dikongsi di antara peserta dan MAA Takaful mengikut nisbah
50:50. Tiada lebihan akan dibayar jikalau peserta menyerahkan sijil kembali kepada MAA Takaful atau sijil
dimansuhkan disebabkan oleh tuntutan yang dibuat.
Pelepasan Cukai
Caruman tahunan yang dibayar untuk SmartMedic 100 akan layak untuk pelepasan cukai maksimum sehingga
RM3,000, tertakluk kepada keputusan muktamad dari Lembaga Hasil Dalam Negeri.
Pengecualian
Sebarang kecederaan/kesakitan berpunca daripada perkara-perkara seperti berikut;
• Penyakit sedia ada
• Penyakit tertentu yang berlaku dalam tempoh 120 hari pertama bagi perlindungan yang berterusan
• Sesiapa sahaja yang menetap di luar Negara lebih daripada 90 hari berturut-turut, yang mana sijil masih
lagi aktif
• Apa-apa keadaan perubatan atau fizikal yang berlaku dalam tempoh 30 hari pertama perlindungan.
• Kecederaan diri-sendiri dan perbuatan yang menyalahi undang-undang
• Peperangan, mogok dan rusuhan
• Sebarang operasi kegiatan ketenteraan atau bersenjata
• Kehamilan, Keguguran kandungan atau kelahiran anak
• Gangguan mental atau saraf
4. SmartMedic 100
• Penyalahgunaan alkohol dan dadah atau yang berkaitan dengannya.
• Pembedahan kosmetik, elektif atau plastic, ataupun keabnormalan atau kecacatan kongenital
• Rawatan pergigian kecuali diperlukan kerana kecederaan akibat kemalangan
• Pemeriksaan rutin kesihatan dan apa-apa pemeriksaan yang tak melibatkan kemasukan ke hospital
• Rawatan yang tidak perlu dari segi perubatan
• Pembelanjaan perubatan yang ditanggung oleh mana-mana badan/organisasi atau program perubatan
dari mana-mana syarikat insurans dan Takaful.
• Penjagaan peribadi, rehat pulih atau jagaan kebersihan, dadah yang tidak dibenarkan, kemabukan,
pensterilan, penyakit venereal dan sekuelnya, AIDS (Sindrom Kurang Daya Tahan Penyakit) atau ARC
(Kompleks Berkaitan AIDS) dan penyakit berkaitan HIV, dan apa-apa penyakit berjangkit yang memerlukan
kuarantin oleh undang-undang
Nota: Pengecualian di atas tidak menyeluruh and segala bentuk rujukan hendaklah dirujuk kepada
klausa pengecualian di dalam sijil kontrak.
Tarikh Tamat Sijil
Sijil SmartMedic 100 akan tamat jika:
1. Caruman anda tidak dibayar lebih dari 31 hari.
2. Pemegang Sijil telah mencapai umur 80 tahun.
3. Selepas pembayaran untuk Khairat Kematian.
4. Jumlah faedah yang dibayar kepada Orang Yang Dilindungi telah melebihi Had Seumur Hidup.
5. Penamatan tempoh sijil asas (terpakai untuk sijil rider sahaja).
NOTA
• Menaiktaraf Bayaran Bersama Bilik dan Makan – Jika Orang Yang Dilindungi dimasukkan ke dalam
hospital padar kadar Bilik & Makan yang lebih tinggi daripada manfaat yang dia layak. Orang Yang
Dilindungi hendaklah menanggung 10% daripada jumlah manfaat yang lain yang telah diterangkan
dalam jadual faedah bagi setiap tuntutan.
• Faedah Keseluruhan yang berbayar dalam masa setahun hendaklah tidak melebihi Had Tahunan
Keseluruhan.
• Faedah Keseluruhan yang berbayar seumur hidup adalah tertakluk kepada Had Seumur Hidup.
• Brosur ini adalah untuk maklumat am sahaja. Ia bukanlah sijil perlindungan Takaful.
• Terma-terma dan syarat-syarat yang tepat boleh dirujuk kepada sijil perlindungan Takaful.
6. SmartMedic 100
WE HELP YOU PLAN THE UNPLANNED...
Advances in medical technology come at a price; a very high one. Add to that the costs of living and children’s
education, and you and your loved ones could suffer tremendous financial hardship if you do not plan for your
hospitalization expenses. The truth is, a completely unforeseen and unavoidable operation can sometimes dry
up our entire savings.
With SmartMedic 100, we offer you a guaranteed hospital admission and take care of your medical bills upon
discharge at our panel hospitals. SmartMedic 100 gives you and your family a peace of mind with high quality
and comprehensive coverage when you need it most!
SmartMedic 100 is smartly engaged with a reliable and trusted Managed Care Organisation namely Metronic
iCares Services. The Metronic iCares Services is providing you with 24 hour hassle free assistance:
• In your admission to the hospital
• Direct settlement of your hospital bill upon discharge*
SmartMedic 100 also provides you invaluable coverage up to age 80 years old! Assure yourself of protection
against the unexpected when you renew your coverage subject to your lifetime limit. Apart from that,
SmartMedic 100 also provides you a Funeral Expenses** benefit of RM5,000, which is payable upon death
due to any causes.In addition, Smartmedic 100 is guaranteed renewable up to age 80.
Worldwide Coverage…
You can travel with peace of mind, knowing that you are protected anywhere in the world. The services are:
• International Medical Assistance – emergency medical evacuation, medically supervised repatriation,
dispatch of essential medication not available locally, repatriation mortal remains, return of dependent
children, 24 hour assistance on medical referrals and etc
• Travel Assistance*** - provides information concerning inoculation, visa requirement assistance, assists
in location of lost luggage, documents and personal items, weather information, foreign exchange
information, arrangement of flights and flights information, legal referral to interpreter/translator and
emergency message relay.
• Car Assistance***- 24 hours emergency towing and minor roadside repair, car rental assistance,
arrangement of hotel accommodation and referral to service centre.
• Home Assistance***- plumbing, locksmith, general repair and pest control assistance.
* Subject to eligibility and benefit limit of the plan. Please refer to the schedule of benefit.
** Funeral Expenses benefit is applicable to SmartMedic 100 Basic Plan only.
*** eferral services only. Any expenses and/ or liabilities incurred shall be borne by certificate owner. These services are provided
R
by a third party and continuation of these services is subject to the agreement between the Takaful operator and services
provider.
Need to know more?
Just call your MAA Takaful consultant today for advice on the most suitable plan that meet your needs. For
further enquiries, please call our Call Center at 603 6287 6666 or email us at info@maatakaful.com.my
7. SmartMedic 100
Schedule of Benefit
Plan 1 (RM) Plan 2 (RM) Plan 3 (RM) Plan 4 (RM)
ANNUAL LIMIT 50,000 100,000 150,000 200,000
LIFE TIME LIMIT 150,000 300,000 450,000 600,000
Funeral Expenses* (ALL CAUSES) 5,000
Hospital Benefits
Hospital Room & Board (max 200 days per
150 200 300 450
annum)
Intensive Care unit (max 60 days per annum)
Hospital Supplies & Services
Surgical Fees
Anesthetists Fees
Operating Theatre
Pre-Hospital Diagnostic Test
(within 60 days prior to admission) As Charged
Pre- Hospital Specialist Consultation
(within 60 days prior to admission)
In-Hospital physician Visit
(max. 200 days per annum)
Post Hospitalisation Treatment
(within 31 days from discharge)
Out Patient Benefits
Emergency Accidental Outpatient Treatment
(within 24 hours and follow up treatment to a
max. of 31 days) As Charged
Out-Patient Physiotherapy Treatment
(within 90 days from discharge/ surgery)
Ambulance Fees 300 400 500 750
Out- Patient Kidney Dialysis Treatment
12,000 18,000 25,000 35,000
(per annum)
Out-patient Cancer Treatment (per annum) 12,000 18,000 25,000 35,000
Other Benefits
Daily Cash Allowance at Government Hospital
50 60 75 85
(max. 200 days per annum)
Home Nursing Care (max. per disability) 500 750 1,000 1,500
Insured Child’s Daily Guardian Benefit
200 250 300 400
(max. per disability)
Medical report Fees 80 80 100 100
Government Service Tax As Charged
Note: * The Funeral Expenses is applicable to SmartMedic 100 Basic Plan only.
8. SmartMedic 100
Table of Indicative Contributions
Annual Contribution SmartMedic 100 (Basic Plan)
Age Band Male Female
(last birthday) Plan 1 Plan 2 Plan 3 Plan 4 Plan 1 Plan 2 Plan 3 Plan 4
30 days – 5 665 844 1,077 1,465 665 844 1,077 1,465
6 – 15 387 484 610 820 387 484 610 820
16 – 21 553 699 888 1,201 577 730 929 1,258
22 – 29 514 650 822 1,114 536 679 860 1,166
30 – 39 633 804 1,026 1,359 662 842 1,075 1,424
40 – 49 874 1,097 1,385 1,821 878 1,112 1,415 1,871
50 – 54 1,321 1,653 2,084 2,728 1,322 1,672 2,124 2,800
55 – 59 1,747 2,175 2,730 3,561 1,758 2,20 8 2,790 3,663
60 – 64 (renewal only) 2,113 2,649 3,342 4,381 2,058 2,594 3,287 4,326
65 – 69 (renewal only) 2,676 3,369 4,267 5,611 2,620 3,313 4,211 5,555
70 – 74 (renewal only) 3,115 3,960 4,931 6,465 3,002 3,847 4,818 6,352
75 – 79 (renewal only) 4,041 5,096 6,310 8,225 3,871 4,926 6,140 8,055
Note: 1. The contribution rate is not guaranteed. Please refer to Summary Information Sheet for further
details on the nature of contribution.
2. MAA Takaful Berhad reserves the right to revise the contribution rate at time of renewal by giving
ninety (90) days written notice prior to certificate anniversary date to the participant.
Eligibility
Anyone from 30 days up to 59 years of age and who is in good health is eligible
Wakalah Model
MAA Takaful operates under the principal of Wakalah, whereby the Takaful Operator acts as an agent to
the Participant for managing the operations of the Takaful business. A Wakalah fee will be charged up-
front from the Contributions paid. Surplus arising (if any) at the end of each financial year will be shared
between participant and MAA Takaful at 50:50 ratio. No surplus will be paid if the certificate is surrendered
or terminated due to a claim.
Tax Relief
Annual premium paid for SmartMedic 100 will qualify for the RM 3,000 medical tax relief, subject to the final
decision by the Inland Revenue Board.
Exclusion
Any injury/illness arising from the following is not covered
• Pre-existing conditions
• Specified Illness occurring during the first 120 days of continuous cover
• Any person who resides outside Malaysia for more than 90 consecutive days while the certificate is in force.
• Any medical or physical conditions arising within the first thirty (30) days
• Self inflicted injuries and illegal acts
• Wars, strikes and riots
• Any armed forces or military operations
• Pregnancy, miscarriage or child births
• Mental or nervous disorder
9. SmartMedic 100
• Alcoholism and drug abuse or its related conditions
• Cosmetics, elective or plastic surgery, or congenital abnormalities
• Dental treatment unless necessitated by accidental injury
• Routine health checks and any investigations not directly related to admission
• Treatment which is not medically necessary
• Medical Expenses which is payable by any laws, medical program of insurance/ Takaful certificate
• Private nursing, rest cures or sanitaria care, illegal drugs, intoxication, sterilization, venereal disease and
its sequel, AIDS or ARC (AIDS Related Complex) and HIV related diseases and any communicable disease
requiring quarantined by law
Note: The above exclusions are not exhaustive and cross reference may be made to the Exclusion
clause of the Certificate contract.
Certificate Expiry
SmartMedic 100 certificate will expire if:
1. Contribution is not paid within the grace period of 31 days.
2. Certificate owner reaches age 80 years old.
3. Upon payment of the Funeral Expenses.
4. The total benefits paid have exceeded the Life time Limit.
Note: The benefits under this plan will not be paid up upon certificate expiration.
NOTE
• Upgrade Room & Board Co payment – If the person covered is hospitalized at a room & board rate which
is higher than his/her eligible benefit, the person covered shall bear 10% of the other eligible benefits,
described in the schedule of benefits for each and every claim.
• Total benefits payable in a year must not exceed the Annual Limit.
• Total benefits payable during the lifetime is subject to the Lifetime Limit
• This brochure is for general information only. It is not a certificate of Takaful. The precise terms and conditions
are specified in the Takaful certificate.
10. Why Choose MAA Takaful For Your Family Protection?
Experience and Expertise
MAA Takaful is a result of a strategic joint venture between MAA Holdings Berhad (MAAH) and Solidarity Company BSC (C) of Bahrain, one of the leading
companies in the Arab world.
On 21 February 2006, a Joint Venture (JV) Agreement was signed with Solidarity, to form a JV company called MAA Takaful to carry on the Takaful business.
On 3 March 2006, Bank Negara Malaysia granted approval for a new Takaful license for the joint venture of MAAH and Solidarity. On 2 May 2006, MAA
Takaful was incorporated with a paid up capital of RM100 million and licensed on 1st July 2007 as a composite Takaful Operator. Today, MAA Takaful has an
agency force of over 12,000.
MAAH holds 75% equity interest in MAA Takaful while Solidarity holds 25%.
MAAH is listed on the Main Board of Bursa Malaysia Securities Berhad. Its subsidiaries and associated companies are involved
in general and life insurance businesses, including offshore and reinsurance businesses, high purchase, leasing and other credit facilities, unit trust, property
management, fund management and investment advisory, security and consultancy services and the operation of charitable dialysis centre. Over the years, MAAH
has expanded its operations into Indonesia, the Philippines and Thailand through MAA International Assurance Ltd., the offshore insurance arm of the Group.
Takaful Regulations
The Takaful industry in Malaysia is regulated under the Takaful Act 1984 and is supervised by Bank Negara Malaysia.
Takaful Operators are required to follow strict compliance with Shariah, Statutory and Regulatory requirements.
• This is a Takaful product and the product is designed in line with Shariah principles.
• You should satisfy yourself that this plan will best serve your needs and that the contribution payable under the certificate is an amount you can afford.
• Death from suicide within one (1) year from the Issue Date or date of any reinstatement, whichever is later, whether the Person Covered is sane or insane, shall limit the Takaful
Operator’s liability to the return of contributions paid without interest, less any indebtedness and the Certificate shall terminate.
• This brochure is for illustrative purposes only. For further details of terms and conditions, please refer to the certificate documents and sales illustration.
Mengapa Memilih MAA Takaful Untuk Perlindungan Keluarga?
MAA Takaful Berhad adalah hasil daripada usahasama yang strategik di antara MAA Holdings Berhad (MAAH) dan Solidarity Company BSC (C) dari Bahrain,
iaitu salah satu syarikat takaful yang terbesar di dunia Arab.
Pada 21 Februari 2006, satu Perjanjian Usahasama telah ditandatangani bersama Solidarity, bagi membentuk syarikat usahasama yang dikenali sebagai MAA
Takaful untuk menjalankan perniagaan takaful.
Pada 3 Mac 2006, Bank Negara Malaysia (BNM) telah menganugerahkan lesen Pengendali Takaful untuk syarikat usahasama di antara MAA Holdings dan
Solidarity dari Bahrain. Pada 2 Mei 2006, MAA Takaful telah ditubuhkan dengan modal berbayar sebanyak RM100 juta and seterusnya pada 1 Julai 2007,
MAA Takaful telah dianugerahkan lesen untuk beroperasi sebagai Pengendali Takaful Komposit. Hari ini, MAA Takaful mempunyai kekuatan agensi melebihi
12,000.
MAAH memegang 75% pegangan ekuiti di MAA Takaful Berhad, sementara itu Solidarity memegang 25% pegangan ekuiti.
MAAH disenaraikan di Papan Utama Bursa Malaysia Berhad. Anak syarikat dan syarikat-syarikat bersekutunya terlibat dalam perniagaan insurans am dan
insurans hayat, termasuklah perniagaan persisir pantai dan reinsurans, perniagaan jual beli, pajak gadai dan kemudahan kredit yang lain, unit amanah,
pengurusan hartanah, pengurusan dana dan perunding pelaburan, keselamatan and perkhidmatan perundingan dan juga pusat dialysis amal. Saban tahun,
MAAH telah mengembangkan operasinya ke Indonesia, Filipina dan Thailand melalui MAA International Assurance Ltd., salah satu syarikat insurans persisir
pantai dalam kumpulan MAAH.
Undang-Undang Takaful
Industri Takaful di Malaysia tertakluk di bawah Akta Takaful 1984, dan diselia oleh Bank Negara Malaysia (BNM).
Para Pengendali Takaful perlu mematuhi Syariah, syarat-syarat Berkanun dan Kawal Selia yang ketat.
• Produk ini ialah produk Takaful dan ianya dirangka berdasarkan prinsip Syariah.
• Anda harus memastikan bahawa pelan ini merupakan pelan yang terbaik untuk memenuhi keperluan anda dan caruman yang perlu dibayar adalah jumlah yang mampu anda
bayar.
• Kematian berpunca daripada bunuh diri di dalam satu (1) tahun dari permulaan tarikh sijil, samada peserta waras atau tidak waras, akan menghadkan pembayaran oleh Pengendali
Takaful terhad kepada pemulangan caruman yang dibayar tanpa sebarang faedah dan ditolak apa-apa hutang, dan sijil ini akan ditamatkan.
• Risalah ini adalah untuk tujuan ilustrasi sahaja. Untuk maklumat lanjut mengenai terma dan syarat, sila rujuk kepada dokumen sijil dan ilustrasi jualan.
MAA Takaful Berhad, 8th Floor, No. 566, Jalan Ipoh, 51200 Kuala Lumpur.
Sign Up Now / Sertailah Sekarang
For personal assistance, please contact your nearest MAA Takaful consultant. For further enquiries, please call us at
603 6287 6666 or fax to 603 6259 0088 or e-mail us at info@maatakaful.com.my
Untuk bantuan peribadi, sila hubungi perunding MAA Takaful yang berhampiran anda. Untuk pertanyaan selanjutnya, sila hubungi
Untuk bantuan peribadi, sila hubungi perunding MAA Takaful yang berhampiran anda. Untuk pertanyaan selanjutnya, sila hubungi
Pusat di 603 6287 6666 atau faks keatau faks ke 03 – 2143 0033 atau e-mel kami di info@maa.com.my
kami Panggilan di 1-300-888-MAA/622 603 6259 0088 atau e-mel kami di info@maatakaful.com.my