Page 31 - Hybrid PBD 2022 Form 5 - Mathematics

Matematik Tingkatan 5 Bab 3 Matematik Pengguna: Insurans

Cik Syahirah meneliti satu polisi insurans hayat yang ditawarkan oleh Syarikat
Insurans Mutiara. Jadual Kadar Premium Tahunan bagi setiap RM1 000 nilai muka
insurans tersebut adalah seperti berikut. KBAT Menganalisis
Miss Syahirah reads through a life insurance policy offered by Mutiara Insurance Company. Annual
Premium Rate Schedule for every RM1 000 face value is as below.
Bukan perokok / Non-smoker Perokok / Smoker
Umur
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Age Lelaki Perempuan Lelaki Perempuan
Male Female Male Female Premium
16 – 20 1.55 1.29 1.86 1.55 Nilai muka
21 – 25 1.51 1.44 1.81 1.72 = polisi × Kadar premium
per RMx
RMx
26 – 30 1.51 1.44 1.81 1.72 Premium
31 – 35 1.63 1.59 1.96 1.91 = Face value of policy × Premium rate
RMx per RMx
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) Kenapakah terdapat perbezaan kadar premium antara
Why there are differences premium rate between
(i) jantina / gender
(ii) umur / age
(iii) perokok dan bukan perokok / smoker and non-smoker
(b) Berdasarkan jadual, hitung premium tahunan bagi Cik Syahirah, jika dia ingin
membeli pelan tahunan bernilai RM180 000. Diberi bahawa Cik Syahirah
berumur 27 tahun dan bukan seorang perokok.
Based on the table, calculate the annual premium for Miss Syahirah, if she is planning to buy an
annual plan worth RM180 000. Given that Miss Syahirah is 27 years old and a non-smoker.

(a) Kadar jangka hayat antara jantina adalah berbeza.
Orang yang lebih berusia lebih terdedah kepada pelbagai ancaman penyakit
berbanding yang lebih muda.
Perokok lebih cenderung untuk mendapat penyakit seperti sakit jantung.
Life expectancy rates between gender vary.
Older people are more vulnerable to various disease threats than younger ones.
Smokers are more likely to get diseases such as heart disease.
(b) Premium tahunan / Annual premium
RM180 000
= × RM1.44
RM1 000
= RM259.20

Kuiz 3

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03 Hybrid PBD Mate Tg5.indd 65 28/09/2021 5:08 PM