Page 23 - Hybrid PBD 2022 Form 5 - Mathematics

Matematik Tingkatan 5 Bab 3 Matematik Pengguna: Insurans

Jumlah yang diinsuranskan / Insured value : RM55 000
Kapasiti enjin / Engine capacity : 1750 cc
NCD : 30%
Lokasi / Location : Sarawak

Polisi komprehensif / Comprehensive policy:
RM1 000 pertama / The first RM1 000 = RM243.90 Polisi pihak ketiga, kebakaran dan kecurian
54 000 Third-party, fire and theft policy:
RM20.30 × = RM1 096.20 Premium asas / Basic premium
1 000
Premium asas / Basic premium = RM243.90 + RM1 096.20 = 0.75 × RM1 340.10
= RM1 340.10 = RM1 005.08
NCD 30% = RM402.03 NCD 30% = RM301.52
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Premium kasar / Gross premium = RM1 340.10 − RM402.03
= RM938.07 Premium kasar / Gross premium
= RM1 005.08 − RM301.52
Polisi pihak ketiga / Third-party policy: = RM703.56
Premium asas / Basic premium = RM85.20
NCD 30% = RM25.56
Premium kasar / Gross premium = RM85.20 − RM25.56
= RM59.64

(a) Jumlah yang diinsuranskan : RM155 000 (b) Jumlah yang diinsuranskan : RM85 000
Insured value Insured value
Kapasiti enjin / Engine capacity : 2000 cc Kapasiti enjin / Engine capacity : 2239 cc
NCD : 30% NCD : 30%
Lokasi / Location : Pahang Lokasi / Location : Sabah

Polisi komprehensif / Comprehensive policy: Polisi komprehensif / Comprehensive policy:
RM1 000 pertama / The first RM1 000 = RM339.10 RM1 000 pertama / The first RM1 000 = RM266.50
154 000 84 000
RM26.00 × = RM4 004 RM20.30 × = RM1 705.20
1 000 1 000
Premium asas / Basic premium Premium asas / Basic premium
= RM339.10 + RM4 004 = RM266.50 + RM1 705.20
= RM4 343.10 = RM1 971.70
NCD 30% = RM1 302.93 NCD 30% = RM591.51
Premium kasar / Gross premium Premium kasar / Gross premium
= RM4 343.10 − RM1 302.93 = RM1 971.70 − RM591.51
= RM3 040.17 = RM1 380.19

Polisi pihak ketiga, kebakaran dan kecurian: Polisi pihak ketiga, kebakaran dan kecurian:
Third-party, fire and theft policy: Third-party, fire and theft policy:
Premium asas / Basic premium Premium asas / Basic premium
= 0.75 × RM4 343.10 = 0.75 × RM1 971.70
= RM3 257.33 = RM1 478.78
NCD 30% = RM977.20 NCD 30% = RM443.63
Premium kasar / Gross premium Premium kasar / Gross premium
= RM3 257.33 − RM977.20 = RM1 478.78 − RM443.63
= RM2 280.13 = RM1 035.15

Polisi pihak ketiga / Third-party policy: Polisi pihak ketiga / Third-party policy:
Premium asas / Basic premium = RM151.20 Premium asas / Basic premium = RM93.60
NCD 30% = RM45.36 NCD 30% = RM28.08
Premium kasar / Gross premium Premium kasar / Gross premium
= RM151.20 − RM45.36 = RM93.60 − RM28.08
= RM105.84 = RM65.52

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03 Hybrid PBD Mate Tg5.indd 57 28/09/2021 5:08 PM