Page 21 - Hybrid PBD 2022 Form 5 - Mathematics

Matematik Tingkatan 5 Bab 3 Matematik Pengguna: Insurans

FOKUS TOPIK

Nilai muka polisi
Premium = × Kadar premium per RMx
RMx
Face value of policy
Premium = × Premium rate per RMx
RMx
3. Hitung premium tahunan berdasarkan jadual kadar premium tahunan bagi setiap RM1 000 nilai muka di
bawah. SP 3.1.2 TP4
Calculate the annual premium based on the annual premium rate schedule for every RM1 000 face value below.

Umur (tahun) Bukan Perokok / Non-smoker Perokok / Smoker
Penerbitan Pelangi Sdn Bhd. All Rights Reserved
Age (years old) Lelaki / Male Perempuan / Female Lelaki / Male Perempuan / Female
16 – 20 1.55 1.29 1.86 1.55
21 – 25 1.51 1.44 1.81 1.72
26 – 30 1.51 1.44 1.81 1.72

31 – 35 1.63 1.59 1.96 1.91
36 – 40 2.00 2.04 2.55 2.60
41 – 45 2.48 2.80 2.88 3.46
46 – 50 3.84 3.59 5.22 4.60

51 – 55 4.41 4.56 6.25 6.36
56 – 60 6.00 5.82 7.56 7.33
61 – 65 10.72 9.46 14.66 14.03

(a) (i) Puan Rahmaah membeli polisi insurans
(i) Encik Zamani membeli polisi insurans dengan dengan nilai muka RM200 000. Puan
nilai muka RM180 000. Encik Zamani ialah Rahmaah ialah seorang wanita bukan
seorang lelaki bukan perokok yang berusia 37 perokok yang berusia 25 tahun.
tahun. Mrs Rahmaah buys an insurance policy with face value of
Mr Zamani buys an insurance policy with face value of RM200 000. Mrs Rahmaah is a woman at the age of 25
RM180 000. Mr Zamani is a man at the age of 37 years old years old and is a non-smoker.
and is a non-smoker. 200 000
180 000 Premium = × 1.44 = RM288
Premium = × 2.00 = RM360 1 000
1 000

(ii) Encik Zamani ingin mendapatkan (ii) Puan Rahmaah ingin mendapatkan
perlindungan tambahan bagi penyakit kritikal perlindungan tambahan bagi penyakit
dengan perlindungan sebanyak 20% nilai kritikal dengan perlindungan sebanyak 30%
muka asas dan kadar premium ialah RM2.05 nilai muka asas dan kadar premium ialah
setiap RM1 000. RM1.77 setiap RM1 000.
Mr Zamani would like to have an additional coverage for Mrs Rahmaah would like to have an additional coverage
critical illness of 20% of basic face value and the premium for critical illness of 30% of basic face value and the
rate is RM2.05 per RM1 000.
premium rate is RM1.77 per RM1 000.
20
× 180 000 = RM36 000 30
100 100 × 200 000 = RM60 000
36 000
Premium = 360 + × 2.05 60 000
1 000 Premium = 288 + 1 000 × 1.77
= 360 + 73.80 = 288 + 106.20
= RM433.80 = RM394.20

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03 Hybrid PBD Mate Tg5.indd 55 28/09/2021 5:08 PM