PruBSN Takaful

HADITH RIWAYAT IBNU MAJAH
“Sesungguhnya seseorang yang beriman ialah sesiapa yang memberi keselamatan dan perlindungan terhadap harta dan jiwa raga manusia”

Kita hanya merancang tapi Tuhan yang menentukan...
Kita sering mendengar kata-kata tersebut namun pernahkah kita terfikir realistik dan logistik di sebalik ayat tersebut?

Sama seperti kita tahu tapi buat buat tidak tahu...

Sediakan payung sebelum hujan...

Juga sering diperkatakan tapi tidak pernah diambil berat

Kita hanya merancang tapi Tuhan yang menentukan..JADI..Sediakan payung sebelum hujan:)

Banyak payung kita boleh beli tapi untuk mencari payung yang berkualiti dan mampu melindungi dari dibasahi air hujan agak sukar dicari andaikata tidak bijak untuk memilih.

Di sini saya dengan sukacitanya ingin berkongsi kelebihan dan kebaikan Takaful PruBSN yang kebanyakan orang masih kesamaran dan berkira-kira untuk mengambilnya

Sedia membantu,hubungi:

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Hidup perlu diurus sebelum diuji...

Assalammualaikum wbt..

Di sini saya ingin berkongsi serba sedikit info agar sahabat sahabiah mendapat sedikit gambaran...

Firman Allah Taala:

Apakah manusia itu mengira bahawa mereka dibiarkan saja mengatakan; “Kami telah beriman,” sedangkan mereka tidak diuji? Dan sesungguhnya kami telah menguji orang-orang sebelum mereka, maka sesungguhnya Allah mengetahui orang-orang yg benar dan sesungguhnya Dia mengetahui orang-orang yg dusta.” (Surah Al-Ankabut 29: Ayat 2-3)

Jom kita muhasabah ujian yang biasanya orang akan alami seperti :

i)    kena penyakit

ii)   excident

ii)   lumpuh

iii)  kematian orang yang menjadi pencari nafkah keluarga.

Sekiranya ujian-ujian ini tidak kita uruskan dengan sempurna, ia akan menjadi MUSIBAH YANG SANGAT BESAR buat kita. Tekanan perasaan juga akan menyebabkan kita tidak redha dengan ujian tuhan. Kita mungkin akan mengeluarkan kata-kata yang akan menyebabkan kita binasa di akhirat nanti.

Mengapa kita perlu urus Musibah? Ibaratkan untuk perjalanan yang jauh, kita perlu menguruskan segala persiapan untuk memastikan perjalan kita tenang dan selamat . Sebagai contoh, kita akan memastikan brek berfungsi dengan baik untuk digunakan ketika pemanduan. Jika kecemasan berlaku kita dapat brek untuk elakkan kemalangan.

Begitu juga dengan perjalanan menuju hari tua, kita perlu menguruskan segala persiapan untuk memastikan hidup kita tenang dan selamat. Sebagai contoh, kita perlu menguruskan takaful untuk melindungi pendapatan. Jika musibah berlaku, instrumen takaful dapat digunakan untuk menguruskan musibah tanpa menjejaskan perbelanjaan harian kita.

APAKAH TAKAFUL?

- Takaful adalah instrumen kewangan Islam yang berkonsepkan sedekah. Kita dan penderma lain akan menderma dalam satu tabung kecemasan. Bila kita atau penderma lain ditimpa musibah, wang akan digunakan dari tabung itu untuk membantu.

- diiktiraf oleh BANK NEGARA MALAYSIA,di pantau ole MAJLIS PENGAWASAN SYARIAH.

APAKAH PRUDENTIAL?

- telah bertapak di Malaysia selama 80 tahun dan selama 163 tahun di Asia

- menawarkan 2 jenis perlindungan: TAKAFUL dan CONVENTIONAL

APAKAH BSN?

- dikenali juga sebagai Bank Simpanan Nasional

- adalah bank kerajaan Malaysia

Maka,tertubuhlah PRUDENTIAL BSN TAKAFUL

Perkongsian petikan surah di dalam A-Quran:

1. Dalam Surah Al-Baqarah ayat 240, Allah Ta’ala berfirman:

“Dan orang-orang yang (hampir) mati di antara kamu serta meninggalkan isteri, hendaklah berwasiat untuk isteri-isteri mereka, iaitu diberi nafkah saguhati (makan, pakai dan tempat tinggal) hingga setahun lamanya, dengan tidak disuruh pindah dari tempat tinggalnya. Kemudian jika mereka keluar (dari tempat tinggalnya dengan kehendaknya sendiri) maka tidaklah kamu bersalah (wahai wali waris si mati) mengenai apa yang mereka (isteri-isteri itu) lakukan pada diri mereka dari perkara yang patut yang tidak dilarang Syarak) itu dan ingatlah, Allah Maha Kuasa, lagi Maha Bijaksana“

2. Manakala dalam Surah Yusuf ayat 47-48, Allah Ta’ala berfirman:

“Yusuf menjawab: “Hendaklah kamu menanam bersungguh-sungguh 7 tahun berturut-turut, kemudian apa yang kamu ketam (tuai) biarkanlah dia pada tangkai-tangkainya; kecuali sedikit dari bahagian yang kamu jadikan untuk makan. “Kemudian akan datang selepas tempoh itu, 7 tahun yang bersangatan kemaraunya, yang akan menghabiskan makanan yang kamu sediakan baginya; kecuali sedikit dari apa yang kamu simpan (untuk dijadikan benih)“

Dari dua petikan ayat Al-Quran di atas, jelas bagi kita untuk mempunyai satu bentuk simpanan atau “back-up” dari julat masa setahun hingga 14 tahun lamanya. Oleh yang demikian, “back-up” dalam bentuk saham, simpanan, emas, stok dll juga termasuk dalam bentuk simpanan yang telah dinyatakan di dalam Al-Quran, begitu juga “back-up” dalam bentuk perlindungan Takaful.

**RENUNG - RENUNGKAN DAN SELAMAT BERFIKIR SERTA BERTINDAK**

Kami sediakan jalan tapi keputusan di tangan kalian:)

Saya sedia membantu..:)
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Physiological of HEART

The heart is the muscular organ of the circulatory system that constantly pumps blood throughout the body. Approximately the size of a clenched fist, the heart is composed of cardiac muscle tissue that is very strong and able to contract and relax rhythmically throughout a person's lifetime. The heart has four separate compartments or chambers. The upper chamber on each side of the heart, which is called an atrium, receives and collects the blood coming to the heart. The atrium then delivers blood to the powerful lower chamber, called a ventricle, which pumps blood away from the heart through powerful, rhythmic contractions. The human heart is actually two pumps in one. The right side receives oxygen-poor blood from the various regions of the body and delivers it to the lungs. In the lungs, oxygen is absorbed in the blood. The left side of the heartreceives the oxygen-rich blood from the lungs and delivers it to the rest of the body. Systole The contraction of the cardiac muscle tissue in the ventricles is called systole. When the ventricles contract, they force the blood from their chambers into the arteries leaving the heart. The left ventricle empties into the aorta and the right ventricle into the pulmonary artery. The increased pressure due to the contraction of the ventricles is called systolic pressure. Diastole The relaxation of the cardiac muscle tissue in the ventricles is called diastole. When the ventricles relax, they make room to accept the blood from the atria. The decreased pressure due to the relaxation of the ventricles is called diastolic pressure. Electrical Conduction System The heart is composed primarily of muscle tissue. A network of nerve fibers coordinates the contraction and relaxation of the cardiac muscle tissue to obtain an efficient, wave-like pumping action of the heart. Sinoatrial node (SA node) Atrioventricular node (AV node) Common AV Bundle Right & Left Bundle Branches The Sinoatrial Node (often called the SA node or sinus node) serves as the natural pacemaker for the heart. Nestled in the upper area of the right atrium, it sends the electrical impulse that triggers each heartbeat. The impulse spreads through the atria, prompting the cardiac muscle tissue to contract in a coordinated wave-like manner. The impulse that originates from the sinoatrial node strikes the Atrioventricular node (or AV node) which is situated in the lower portion of the right atrium. The atrioventricular node in turn sends an impulse through the nerve network to the ventricles, initiating the same wave-like contraction of the ventricles. The electrical network serving the ventricles leaves the atrioventricular node through the Right and Left Bundle Branches. These nerve fibers send impulses that cause the cardiac muscle tissue to contract

Anatomy of HEART

1. Right Coronary                                                           9.  Right Atrium
2. Left Anterior Descending                                          10.  Right Ventricle
3. Left Circumflex                                                         11.  Left Atrium
4. Superior Vena Cava                                                 12.  Left Ventricle
5. Inferior Vena Cava                                                   13.  Papillary Muscles
6. Aorta                                                                       14.  Chordae Tendineae
7. Pulmonary Artery                                                     15.  Tricuspid Valve
8. Pulmonary Vein                                                        16.  Tricuspid Valve

                                                                                    17.   Pulmonary ValveAortic Valve (Not pictured)

                                                                                                                                           Coronary Arteries

Because the heart is composed primarily of cardiac muscle tissue that continuously contracts and relaxes, it must have a constant supply of oxygen and nutrients. The coronary arteries are the network of blood vessels that carry oxygen- and nutrient-rich blood to the cardiac muscle tissue.

The blood leaving the left ventricle exits through the aorta, the body’s main artery. Two coronary arteries, referred to as the "left" and "right" coronary arteries, emerge from the beginning of the aorta, near the top of the heart.

The initial segment of the left coronary artery is called the left main coronary. This blood vessel is approximately the width of a soda straw and is less than an inch long. It branches into two slightly smaller arteries: the left anterior descending coronary artery and the left circumflex coronary artery. The left anterior descending coronary artery is embedded in the surface of the front side of the heart. The left circumflex coronary artery circles around the left side of the heart and is embedded in the surface of the back of the heart.

Just like branches on a tree, the coronary arteries branch into progressively smaller vessels. The larger vessels travel along the surface of the heart; however, the smaller branches penetrate the heart muscle. The smallest branches, called capillaries, are so narrow that the red blood cells must travel in single file. In the capillaries, the red blood cells provide oxygen and nutrients to the cardiac muscle tissue and bond with carbon dioxide and other metabolic waste products, taking them away from the heart for disposal through the lungs, kidneys and liver.

When cholesterol plaque accumulates to the point of blocking the flow of blood through a coronary artery, the cardiac muscle tissue fed by the coronary artery beyond the point of the blockage is deprived of oxygen and nutrients. This area of cardiac muscle tissue ceases to function properly. The condition when a coronary artery becomes blocked causing damage to the cardiac muscle tissue it serves is called a myocardial infarction or heart attack.

Superior Vena Cava

The superior vena cava is one of the two main veins bringing de-oxygenated blood from the body to the heart. Veins from the head and upper body feed into the superior vena cava, which empties into the right atrium of the heart.

Inferior Vena Cava

The inferior vena cava is one of the two main veins bringing de-oxygenated blood from the body to the heart. Veins from the legs and lower torso feed into the inferior vena cava, which empties into the right atrium of the heart.

Aorta

The aorta is the largest single blood vessel in the body. It is approximately the diameter of your thumb. This vessel carries oxygen-rich blood from the left ventricle to the various parts of the body.

Pulmonary Artery

The pulmonary artery is the vessel transporting de-oxygenated blood from the right ventricle to the lungs. A common misconception is that all arteries carry oxygen-rich blood. It is more appropriate to classify arteries as vessels carrying blood away from the heart.

Pulmonary Vein

The pulmonary vein is the vessel transporting oxygen-rich blood from the lungs to the left atrium. A common misconception is that all veins carry de-oxygenated blood. It is more appropriate to classify veins as vessels carrying blood to the heart.

Right Atrium

The right atrium receives de-oxygenated blood from the body through the superior vena cava (head and upper body) and inferior vena cava (legs and lower torso). The sinoatrial node sends an impulse that causes the cardiac muscle tissue of the atrium to contract in a coordinated, wave-like manner. The tricuspid valve, which separates the right atrium from the right ventricle, opens to allow the de-oxygenated blood collected in the right atrium to flow into the right ventricle.

Right Ventricle

The right ventricle receives de-oxygenated blood as the right atrium contracts. The pulmonary valve leading into the pulmonary artery is closed, allowing the ventricle to fill with blood. Once the ventricles are full, they contract. As the right ventricle contracts, the tricuspid valve closes and the pulmonary valve opens. The closure of the tricuspid valve prevents blood from backing into the right atrium and the opening of the pulmonary valve allows the blood to flow into the pulmonary artery toward the lungs.

Left Atrium

The left atrium receives oxygenated blood from the lungs through the pulmonary vein. As the contraction triggered by the sinoatrial node progresses through the atria, the blood passes through the mitral valve into the left ventricle.

Left Ventricle

The left ventricle receives oxygenated blood as the left atrium contracts. The blood passes through the mitral valve into the left ventricle. The aortic valve leading into the aorta is closed, allowing the ventricle to fill with blood. Once the ventricles are full, they contract. As the left ventricle contracts, the mitral valve closes and the aortic valve opens. The closure of the mitral valve prevents blood from backing into the left atrium and the opening of the aortic valve allows the blood to flow into the aorta and flow throughout the body.

Papillary Muscles

The papillary muscles attach to the lower portion of the interior wall of the ventricles. They connect to the chordae tendineae, which attach to the tricuspid valve in the right ventricle and the mitral valve in the left ventricle. The contraction of the papillary muscles closes these valves. When the papillary muscles relax, the valves open.

Chordae Tendineae

The chordae tendineae are tendons linking the papillary muscles to the tricuspid valve in the right ventricle and the mitral valve in the left ventricle. As the papillary muscles contract and relax, the chordae tendineae transmit the resulting increase and decrease in tension to the respective valves, causing them to open and close. The chordae tendineae are string-like in appearance and are sometimes referred to as "heart strings."

Tricuspid Valve

The tricuspid valve separates the right atrium from the right ventricle. It opens to allow the de-oxygenated blood collected in the right atrium to flow into the right ventricle. It closes as the right ventricle contracts, preventing blood from returning to the right atrium; thereby, forcing it to exit through the pulmonary valve into the pulmonary artery.

Mitral Value

The mitral valve separates the left atrium from the left ventricle. It opens to allow the oxygenated blood collected in the left atrium to flow into the left ventricle. It closes as the left ventricle contracts, preventing blood from returning to the left atrium; thereby, forcing it to exit through the aortic valve into the aorta.

Pulmonary Valve

The pulmonary valve separates the right ventricle from the pulmonary artery. As the ventricles contract, it opens to allow the de-oxygenated blood collected in the right ventricle to flow to the lungs. It closes as the ventricles relax, preventing blood from returning to the heart.

Aortic Valve

The aortic valve separates the left ventricle from the aorta. As the ventricles contract, it opens to allow the oxygenated blood collected in the left ventricle to flow throughout the body. It closes as the ventricles relax, preventing blood from returning to the heart.

A normal EJECTION FRACTION value...

The ejection fraction is a measurement of the capacity at which your heart is pumping. According to the Mayo Clinic, during each heartbeat cycle, the heart contracts and relaxes. When your heart contracts, it ejects blood from the two pumping chambers (ventricles). When your heart relaxes, the ventricles refill with blood. No matter how forceful the contraction, it doesn’t empty all of the blood out of a ventricle. The term “ejection fraction” refers to the percentage of blood that’s pumped out of a filled ventricle with each heartbeat.

Because the left ventricle is the heart’s main pumping chamber, ejection fraction is usually measured only in the left ventricle (LV). A normal ejection fraction value for the left ventricle is 55 to 70 percent. Your ejection fraction value may decrease if your heart has been damaged by a heart attack or other problems with the heart valves or muscle.