Page 6 - Modul A+1 Matematik Tingkatan 5

(ii) Puan Zaiton berumur 30 tahun, seorang yang sihat dan tidak merokok ingin membeli polisi insurans tersebut
bernilai RM150 000. Dia menambah polisi penyakit kritikal dengan memberi perlindungan sebanyak 30%
nilai muka asas dan kadar premium bagi setiap RM1 000 ialah RM1.65 mengikut umur dan status kesihatan
Puan Zaiton.
Puan Zaiton is 30 years old, a healthy and non-smoking person wants to buy the insurance policy worth RM150 000. She
adds a critical illness policy by providing protection of 30% of the basic face value and the premium rate for every RM1 000
is RM1.65 according to age and Puan Zaiton's health status.

Kadar premium/Rate of premium: RM1.40

Jumlah perlindungan untuk penyakit kritikal = 30% × RM150 000
Total coverage for critical illness
BAB 3 = RM45 000

©PAN ASIA PUBLICATIONS
Premium tahunan Puan Zaiton/Annual premium of Puan Zaiton
= Premium asas tahunan + Premium tambahan tahunan penyakit kritikal
Annual basic premium Annual supplementary critical illness premium
150 000 45 000
= 1 000 × 1.40 + 1 000 × 1.65

= RM210 RM74.25

= RM284.25

(b) Mengapakah kadar premium insurans lebih tinggi bagi seorang perokok berbanding bukan perokok?
Why is the insurance premium rate is higher for a smoker than non-smoker?

Kadar premium bagi seorang perokok adalah lebih tinggi kerana kebarangkalian seorang perokok terdedah kepada
risiko penyakit lebih tinggi berbanding dengan seorang yang tidak merokok dan mengamalkan gaya hidup sihat.
Premium rates for a smoker is higher because the probability of a smoker being exposed to the risk of disease is higher than that a
non-smoker which practicing a healthy lifestyle.

Tip SPM

Pengkadaran premium bawah Tarif Motor/Premium Rate under the Motor Tariff
Kapasiti enjin Semenanjung Malaysia Sabah dan/and Sarawak
tidak melebihi Peninsular Malaysia
Engine capacity Polisi komprehensif Polisi pihak ketiga Polisi komprehensif Polisi pihak ketiga
not exceeding Comprehensive policy Third party policy Comprehensive policy Third party policy
(cc) (RM) (RM) (RM) (RM)

1 400 273.80 120.60 196.20 67.50
1 650 305.50 135.00 220.00 75.60
2 200 339.10 151.20 243.90 85.20
3 050 372.10 167.40 266.50 93.60
4 100 404.30 181.80 290.40 101.70
4 250 436.00 196.20 313.00 110.10
4 400 469.60 212.40 336.90 118.20
Melebihi/Over 501.30 226.80 359.50 126.60
4 400
Rumus mengira premium asas polisi komprehensif:
The formula to calculate the basic premium of the comprehensive policy:
(a) Bagi Semenanjung Malaysia/For peninsular Malaysia,
Premium asas/Basic premium
= Kadar bagi RM1 000 yang pertama/Rate of the first RM1 000
+ RM26 bagi setiap RM1 000 atau sebahagian daripada itu bagi nilai yang melebihi RM1 000 yang pertama
RM26 for each RM1 000 or part there of on value exceeding the first RM1 000
(b) Bagi Sabah dan Sarawak/For Sabah and Sarawak,
Premium asas/Basic premium
= Kadar bagi RM1 000 yang pertama/Rate of the first RM1 000
+ RM20.30 bagi setiap RM1 000 atau sebahagian daripada itu bagi nilai yang melebihi RM1 000 yang pertama
RM20.30 for each RM1 000 or part there of on value exceeding the first RM1 000

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