miniatur wunderland ( german for ' miniature wonderland ' ) is a model railway attraction in hamburg , germany , and the largest of its kind in the world .

the railway is located in the historic speicherstadt district of the city .

in october 2016 the railway consisted of 15,400 m ( 50,525 ft ) of track in h0 scale , divided into nine sections : harz , the fictitious city of knuffingen , the alps and austria , hamburg , america , scandinavia , switzerland , a replica of the hamburg airport and italy .

of the 6,800 m ² ( 73,195 sq ft ) of floorspace , the model takes 1,490 m ² ( 16,038 sq ft ) .

by 2020 , the exhibit is expected to have reached its final construction phase , including at least a total of ten new sections in a model area of over 2,300 m ² ( 24,757 sq ft ) .

the exhibit includes 1,300 trains made up of over 10,000 carriages , over 100,000 moving vehicles , ca. 500,000 lights , 130,000 trees , and 400,000 human figurines .

planning is also in progress for the construction of sections for france , england , africa and australia .

miniatur wunderland

history wall - detailing the growth of miniatur wunderland from year 2000 . - picture of miniatur wunderland , hamburg
history wall - detailing the growth of miniatur wunderland from year 2000 . - picture of miniatur wunderland , hamburg - tripadvisor
enjoy the miniatur wunderland in a relaxed atmosphere , without jostling at this evening .
venedig im miniatur wunderland - über 1 . 000 . 000 euro für 9 quadratmeter
photo : “history wall - detailing the growth of miniatur wunderland from year 2000 . ”
both miniatur wunderland and museum of hamburg history are recommended by professional reviewers . overall , miniatur wunderland ranks significantly better than museum of hamburg history . miniatur wunderland scores 94 with praise from 5 reviewers such as frommer ' s , fodor ' s and atlas obscura .
located in the historic speicherstadt is miniatur wunderland , the largest model railway in the world .
the tracks of the railway lead all the way to the polar ocean at the miniatur wunderland .
[ … ] the miniatur wunderland is great attraction for young and old . [ … ] . . .
for more incredible scenes , check out google ' s street view full gallery of the miniatur wunderland here .
the model railway in miniatur wunderland is the largest in the world . it connects all the areas of the wunderland , which represent some iconic places around the world .
. . . and railways of miniatur wunderland . keep in mind , this model railway features over 8 miles of track .
during the course of several months we created this video , which shows all the variety of miniatur wunderland in just five minutes .
the miniatur wunderland is open 365 days a year . the opening hours may vary . please note the following times as orientation :
here , you can see a rowdy oktoberfest celebration . the miniatur wunderland features more than 200 , 000 tiny hand - painted citizens .
to bring new perspective to the massive model railway , google in 2016 built a miniature version of its street view car to capture footage within the miniatur wunderland with an array of tiny mounted cameras . you can actually see all the various worlds within the miniatur wunderland on google street view .
since hamburg is the actual city that houses the miniatur wunderland , the creators went out of their way to bring rich detail to the model replica .
one of the most famous landmarks in wunderland ' s bavaria : neuschwanstein castle .
miniatur wunderland is the world’s largest model train exhibit , and still growing . see trains running through recreations of hamburg and the coast , austria , the grand canyon and scandinavia .
it ' s christmas all year round in this american mountain town . in december , the little santas will spread out all over miniatur wunderland to deliver presents in time for christmas .
in our shop you can find many books and dvds about the wunderland and his technology .
you don ' t need to be a model railway enthusiast or a 10 - year - old to be blown away by the sheer scale and attention to detail of the miniatur wunderland . full review →
with a length of 2 . 2 meters , the aidablu is the largest vessel of wunderland .
experience the wunderland in exclusive atmosphere after regular opening hours . free short tours behind the scenes !
when you visit hamburg there are 2 model raisways to visit . the history museum operate a large gauge 1 layout every hour on the hour for 30 mins . miniatur wunderland can get very busy , best to go early .
built in 1886 , block d in hamburg’s warehouse district is the home of the actual miniatur wunderland , and is nearly identical to the original . the warehouse district has been a world heritage site since july 4 , 2015 . take a look through the window on the fourth floor ! you will see miniatur wunderland’s smallest train , an ice , moving around . synchronized swimmers practice for the olympics in the canal , and a man shows off his muscular strength by lifting a smart car .
combine two of hamburg ' s must - sees at a special price : the wunderland and a harbour boat tour .
the official video about miniatur wunderland hamburg , the largest model railway in the world , and one of the most successful tourist attractions in germany . on the 1 . 300 m² large layout , far more than a thousand trains , aircrafts , cars and ships move about . a wonder of the world in miniature . for more videos from miniature wunderland , hit the subscribe button and leave a like if you want . please , find more information on http : / / www . miniatur - wunderl . . . show less
miniatur wunderland is a model railway exhibit consisting of nearly 16 , 000 meters of train tracks and representing many places around the world . started in 2000 by twin brothers frederik and gerrit braun , the wunderland has been built with an eye for detail , humor and fantasy . it has become one of the most popular tourist destinations in germany , but many of the places you will explore in this website are not visible to the average visitor . enjoy taking a closer look at the wunderland through this mini - street view .
since the opening of the original is experience some difficulties , the founders of miniatur wunderland decided that their own elbe philharmonic hall had to be built . the way to that was long , because even the construction time of the small elbe philharmonic hall doubled ; it was originally supposed to be presented in the spring 2013 . however , when you look at the finished work , you see that every work hour was worth it .
what our model builders created is simply phenomenal ,
raved gerrit braun , co - founder of miniatur wunderland .
on the car ride through knuffingen , you can get a first hand experience of everyday life , just like they would in one of the 90 self - driving cars in one of the biggest cities in the miniatur wunderland . cops chase a cyclist while the garbage collectors work as usual . graffiti artists have left their mark on a wall and the road has been blocked by a strange scene at the manhole . but don ' t speed in knuffingen ! there are two speed traps in knuffingen . the entire car system in the miniatur wunderland ranges over 1 . 6 km .
and this is just the beginning ! with constant work in the construction sites , the model world continues to grow from minute to minute . in may 2012 , the exhibition was joined by yet another attraction : knuffingen airport was opened ! the team of gerrit and frederik braun ( founders of miniatur wunderland ) thus completed one of the most technically challenging projects of miniatur wunderland , offering visitors over 100 aeroplanes and other vehicles with fully automated movements . by the provisional completion in 2020 , there are still two further spectacular section to be completed in addition to italy and france in mini format
northern sweden is one of the most northerly points of miniatur wunderland . the bitter cold doesn’t seem to bother the red dala horses . a weather balloon rises to collect the latest weather data . with a real eye for detail , the creators have made the glistening snow from the finest glass dust .
i have been in a miniature world in budapest . that was great . but miniatur wunderland is that on steroids . simply amazing ! 2 floors full of amazingly detailed computer - controlled miniature worlds . i was traveling with my 13 year old son . i did not have more than . . .
wunderland bills itself as the world’s largest model railway , but it’s a lot more than lilliputian trains chugging through snowy alpine peaks . full review →
the official video about miniatur wunderland hamburg , the largest model railway in the world , and one of the most successful tourist attractions in germany . on the 1 . 300 m² large layout , far more than a thousand trains , aircrafts , cars and ships move about . a wonder of the world in miniature . for more videos from miniature wunderland , hit the subscribe button and leave a like if you want . please , find more information on urltoken
after 364 construction days , 350 , 000 euro construction costs and 13 , 000 work hours , elbe philharmonic hall and hafencity were opened in miniatur wunderland on 13 november 2013 . within the context of a festive event , the smallest concert hall in the world was christened with a real concert by the ndr symphony orchestra .
the miniatur wunderland is without doubt a ' wonder ' not only because of its landscape and surface area , but also due to the technology used to under - pin the exhibit . gerrit braun and the model - making team have pushed the limits of model construction , with a large part of the exhibit custom - designed and built .
on a hill above the village you can see a castle built in the traditional style of this part of germany . in the distance is one of the longest bridges in miniatur wunderland , where the ice high speed train line rushes to pick up its passengers . in the countryside , people are farming , grazing cattle and growing grapes in the vineyards .
after being built for over a year , the miniature elbphilharmonie has been ceremoniously inaugurated . having cost over 4 million euros for completion , the model has required more than twice its planned budget . the elbphilharmonie offers a very special moment for visitors of the miniatur wunderland : while the building opens up , musicians play
peter and the wolf
by sergei prokofiev .
there’s a place in northern germany where a kid can be a kid . and in this same place , the inner child of every adult screams to be set free . this is one of europe’s most visited attractions . this is miniature wonderland ( or miniatur wunderland in german ) . but you’d be mistaken if you assumed that miniature wonderland is only a kid’s thing .
when the festivalgoers turn away from the stage , do they know that they are looking at one of the most expensive plots of building land in the world ? this very piece of land was auctioned off by the miniatur wunderland in 2007 for the benefit of children’s charities for 154 , 000 euros per square meter – as expensive as building land in new york or london .
no fewer than 30 , 000 liters of water flow into the northern part of the baltic sea in miniatur wunderland . care has been taken to ensure that everything is realistic here too : the 25 ships that sail must adapt their course to the tides . the water rises and falls in 25 - minute cycles . have you spotted the moose pulling a little wooden hut ?
a little piece of contemporary history has been captured here : hamburg’s “generation move” techno parade . right at the front is the efx float . this is a hint to the past : efx was a series of regular techno events in the disco club owned by the founder of miniatur wunderland at the time . the german rowing eights are training on the elbe for their next competition .
click around the airport to see people getting on and off various flights at the airport or waiting inside for their planes to arrive . on the ground employees carry out a variety of tasks . visitors to miniatur wunderland are often fascinated by the fully functioning airport , and even the residents are in awe : you can see them lined up on the roof terrace to watch the comings and goings .
this is where it all began . opened in 2001 as one of the three original sections , central germany is one of the most hidden corners of miniatur wunderland , which normally cannot be seen like this . the idyllic half - timber houses and church with stained - glass windows are the setting for a quaint village life , where people have time to stop and chat by the village fountain .
miniatur wunderland is a definitely must - visit in hamburg , the attraction is located within the speicherstadt area ( warehouse district ) which is marked as unesco heritage site . this is an attraction that both adults and kids love , well deserving of its no . 1 attraction title in hamburg . when it started off in 2000 , it just started of 1 section , and now it has . . .
click through the scandinavian countryside past this traditional windmill to explore one of the most popular ares of miniatur wunderland . occupying 300 square meters of the exhibit , scandinavia is home to the biggest structure in wunderland – the eight - meter - long storebæltbrücke ( great belt bridge ) . no fewer than 100 suspender cables made from 80 meters of fishing line hold the bridge on the main suspension cables . just after the tunnel , you will pass through a typically scandinavian town with its colorful houses , before reaching egeskov castle , which in reality is located on the danish island of funen . the castle was built completely by hand and took 250 hours of work .
a replica of the terminal building at hamburg airport has been built down to the last detail . the color scheme and the designs – from the display boards to the telephone booths – are all true to the original . each of the 15 - millimeter - high figures has their own luggage . this image gives you an insight into the scene that remains hidden to the visitors at miniatur wunderland as the roof of the airport was removed to capture these panoramas .
one of the ten most expensive skyscrapers in the world , the elbphilharmonie in hamburg is a political issue : loved by culture vultures , but harshly criticized by opponents due to the ever spiraling costs and frequent delays . originally scheduled to open in 2010 , it hasn ' t been completed yet . however , this shouldn’t bother visitors at miniatur wunderland . they can admire the completed mini elbphilharmonie in all its glory . look out for the bascule bridge , which opens to let ships through .
click along the train track from the terminal station of bergheim and get a special view over knuffingen with austria in the distance . the train tracks leading through knuffingen extend over exactly 1 km . view closely and discover details that can ' t be seen by regular visitors , like the couple that ' s sitting comfortably on the meadow , enjoying their picnic . or the eagle monument , donated by the miniatur wunderland ' s fictional count zu löwenstein , whose grand estate is located in knuffingen .
miniatur wunderland , unlike most other exhibitions of this size , is run without any kind of government aid . in the construction phase , the two brothers travelled around germany and looked at different model layouts . hundreds of ideas were explored in order to create a model train experience that would be entertaining for the whole family . enclosing the layout behind a window pane wouldn’t be part of the plan . instead , the vision was to create a giant , immersive experience . “our idea was to build a world that men , women , and children would be equally astonished and amazed at” , says co - creator gerrit braun about their philosophy . with this philosophy and thousands of ideas in mind , the twin brothers visited gerhad dauscher in the city of mühlhausen ( near neumarkt ) . gerhard was infected with the concept instantly , and cancelled all his contracts and appointments . this day was essential for miniatur wunderland turning out to be the place it is today . prior to construction , a team had to be compiled . the three held a model maker casting , which more than 150 persons applied for , 40 of which were invited to attend . based on the casting , gerhard compiled a team of model creators , 95 % of which were not classical model - makers , but excellent craftsmen instead . thus , the construction of miniatur wunderland began . the original layout was 300 sqm large . it grew to be 1300 sqm as of today , but even many more layouts are planned until 2020 . in our weekly reports you will find documentation about the construction progress from the very beginning .
ever since the year 2000 the miniatur wunderland has been steadily growing . most currently our 9 . world italy was opened on february 21st , 2018 . further theme worlds have been planned until 2028 . from the very beginning we have kept our construction sites and our workshops open for our visitors . we wanted to make sure that you would always have the chance to watch our model builders and technicians while they were working and see how the landscapes were coming along . here you will find pictures and information about the already built worlds .
if you would like to visit the wunderland without big crowds and in a relaxing atmosphere , we would like to recommend our four special evening events to you . each unique and special in it’s own way . we are sure that there is the right highlight for everyone .
who isn ' t familiar with the stone monument dedicated to former us presidents washington , jefferson , roosevelt , and lincoln ? of course , this famous landmark had to be included in the american section of the wunderland . it has been meticulously formed from plaster and then inserted into the model mountainscape .
the 930 trains with nearly 14 , 450 railway wagons , 228 , 000 trees , 215 , 000 figures , 8 , 850 cars , 13 , 000 metres of track , 3 , 660 buildings and bridges , were set up in minute detail by 230 employees in over 580 , 000 man - hours . in this superlative model landscape , you witness realistic railway operations entirely computer - controlled . there is even day and night in the railway world - and that ' s every 15 minutes . miniatur wunderland has been presenting hafencity and elbe philharmonic hall in a small format since recently . look forward to the smallest concert hall in the world !
the street and the parking lot in front of the airport are busy as always . there are over 4000 cars in the parking garage - no other section of the wunderland is home to this many vehicles . real - life visitors can discover many interesting things going on in front of the highly detailed airport that has taken more than 5 years to build .
click through one of the numerous tunnels and get a rare view of the inner workings of the within the wunderland . these tunnels allow the trains to navigate through mountains and other supportive structures . a weight lifter seems to have lost their dumbbell along the side of the tracks . as you emerge from the tunnel , see if you can find the rock climbers practicing on the walls above .
the usa in hamburg draws crowds with its desert metropolis and paradise for gamblers , las vegas : more than 10 % of all wunderland lights – around 33 , 000 – are installed here . the landscape of the other areas is breathtaking as well : the keys and cape canaveral pass directly into las vegas , and the grand canyon is only separated by a highway from mount rushmore and yosemite park .
in order to estimate whether they might have enough visitors to cover expenses , the brothers decided to carry out a survey . more than 3 , 000 persons with different social demographic attributes were questioned via internet , rating 45 attractions listed , some of which were fictitious , and which ones they would visit in hamburg . the ficticious miniatur wunderland came in third in men’s voting , but it was at the bottom of the list with women . despite this ambiguous result the twin brothers had made up their mind : “we are going to build the largest model railroad in the world . “ why hamburg , why the historic warehouse district ? “hamburg is the most beautiful and most perfect city in the world“ , frederik and gerrit will answer , when being asked about their home town . both are citizens of hamburg with all their hearts , and are deeply connected and commited to the city . they agreed that the world’s largest model railroad has to be in hamburg . the search for an appropriate location within the city proved to be difficult . they wanted to find a spot which is attractive and easy to reach for tourists and hamburg citizens , and which offers floor space of about 2 , 000 sqm per floor with allowance for future expansion . moreover , the architectural style has to be suitable for a model railroad , and the lease has to be affordable . with the help of the chamber of commerce a contact was made to hamburger hafen und logistik ag ( hhla ) . the hhla was instantly enthusiastic about the idea , and offered the spaces at kehrwieder at fair conditions . and that is how the location was found . how was wunderland financed ? it didn’t take long to realize that a model railroad of this size and love for detail will be very expensive , and can only be financed by loans . the braun brothers took an a4 sized paper with a draft of their idea and went to their bank asking for a credit of 2 million d - mark . both of them were sure that bankers would be laughing at them – 2 million d - mark , an a4 sized paper and a dream of a model railraod… that doesn’t necessarily sound plausible to a banker – they thought . they were all the more csurprised when the bank granted the loan soon after . in hindsight , the calculation turned out to be completely wrong ; 2 mio . d - mark investment turned into almost 10 mio . euros to this day . fortunately , they misjudged the number of visitors as well – in june 2009 the 6 millionth visitor walked into the exhibit .
going back to the summer of 1984 , i spent dozens of hours holed up in the basement of my parent’s house with my friend petey . together , petey and i were building the world’s biggest and more impressive train set . and it was amazing to our young eyes .
it had two sets of track , two mountains , a gravel airport , a river , a small pond , a stream , a waterfall , tunnels , a town , roads , trees and everything that would turn the make - believe world believable . in retrospect , we were ahead of our time . we were doing on a small scale what miniature wonderland would ultimately perfect .
now , 32 years later , miniature wonderland has reached the apex of our childhood ambitions . miniature wonderland is quite simply the most amazing thing you will ever see . this is the world’s largest model train set . and it’s still years away from final completion .
the current model railway is massive and occupies several floors of a warehouse in the historic speicherstadt district . there are over 65 , 000 feet of track , which is divided up into sections . these include several germany sections ( central germany , hamburg city , the fictitious city of knuffingen and its airport ) , austria , the united states , scandinavia , switzerland , and italy .
there are still several sections left in development before the project is completely finished around 2025 : monaco , england / scotland , france , ireland , and benelux .
while the scale of the railway is massive . the most impressive elements can be found in the miniature : a group of sunbathers at a lake splashing each other in the water , a parade in a german village with everyone in lederhosen , or superman responding to an accident where a car went through a guardrail and nearly toppled over a cliff .
there is something to see everywhere . and everything moves . sure , you’d expect the trains to run on a model railway , and they do . but the cars drive down the street . cable cars whisk skiers to the tops of mountains to ski . and the skiers can go down the hill . and some people move . and the rollercoaster goes on thrilling rides . and ships sail across water . and the airplanes at the airport take off…and land .
every 15 minutes , the day becomes night and miniature wonderland can be experienced in a whole new way . all of the trains , cars and buildings have lights , which come on . and the streetlights actually light up . and the car headlights turn on .
the attention to detail at miniature wonderland is something i never would have dreamed possible . when i spent the summer of 1984 working away in the basement on my model railway , this is exactly what i thought i was creating . somewhere along the way , i gave up on model trains .
but i’m thrilled somebody didn’t give up on train sets . miniature wonderland is what happens when you follow your dreams . and it’s absolutely awesome to visit !
miniature wonderland is open 365 days a year . general hours of operation are from 9 : 30 - 18 : 00 . hours are slightly longer on tuesdays , saturdays , sundays and public holidays . lines can be quite long on weekends and school holidays , so pre - booking your timeslot online can be quite smart .
tickets are adult €13 . 00 for adults and €6 . 50 for children . other ticket options and packages are available .
miniature wonderland is conveniently located within the speicherstadt district . there are several parking garages nearby if arriving by private car . however , public transit is also convenient . the nearest metro station ( called the u - bahn in hamburg ) is baumwall , located on the u3 ( yellow line ) .
there are number of accommodation options nearby . check out prices at nearby hotels . we stayed at the nearby ameron hotel speicherstadt .
we visited hamburg and miniature wonderland thanks to the german national tourist board . all opinions of the small and fantastic are our own . note : some links may be affiliate links , which means travel addicts may earn a few pennies if you buy something – all at no additional cost to you .
lance longwell is the co - founder of travel addicts . he has visited all 50 of the united states as well as 60 countries on 5 continents – all in search of the world’s perfect sausage . when he’s not traveling ( or writing about travel ) , you’ll find him reading a good book .
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nashville seems to have it all . there is live music basically any hour of the day , fun places to hang out and relax , and history stretching back to the early days of america . and don ' t forget the food .
one of the best ways to get to know a country is through its food . and there ' s a lot of delicious stuff to know in the netherlands .
despite its proximity to the big cities of austin and san antonio , fredericksburg , texas , is popular because it maintains a small town feel while having so many things to see and do . from wine tasting to taking in the local history , you ' ll never be bored in fredericksburg .
the highlight of our entire trip to mexico was a visit to akumal bay for a snorkeling adventure to swim with green sea turtles in the wild . akumal is a wonderful day in the sun and the sea , where the turtles are the stars of the show .
xcaret and xel - ha are two of the most popular parks in mexico ' s riviera maya . ideally , both places will be on your list . but if your time is limited , which one should you choose ?
texas may not be the first place you think of for high - quality wine from the us . but you’d be missing out . these seven wineries in the texas hill country offer remarkable scenery and award - winning wines .
there ' s only a little time gap between landing and the next take - off . the loading of luggage , refueling , and cleaning of the cabins is carried out under high pressure .
during the harvest time you can ' t be too sure that this hideaway will be safe .
the inhabitants of this island can only reach the main land via boat or helicopter . but they appreciate the seclusion of their home .
travelers exiting or changing trains at brichur station have the chance of visiting a few beautiful churches and chapels .
instead of taking the cog railway you can also take the cable railway from st . wendel to reach the heights of the alps . you do have to change trains a few times though . most often the upper and the valley station are close to one another .
the trains in sweden have to face harsh weather conditions . still everything is done to keep up the railway business throughout the winter months .
whether with the family , with a good friend or as a group : if you have a further journey to hamburg , you will find in our travel offers the all - round package including travel and accommodation at fair prices .
every day we get a lot of great comments from all over the world . we look forward to your feedback at tripadvisor , holidaycheck and google !
i ' ve been to wonderland for a long time and have to say it ' s just great . . . .
get the latest videos and news , discuss with other fans or present your own photos and videos .
aus dem tv - studio von knuffingen tv heute kreischende motoren zerreißen . . .
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these facts and figures are a prognosis of what we expect after our preliminary completion .
a healthy pinch of business sense , lots of humanity and attention to detail .
discover this fully - functioning miniature airport complete with departures , landings and a long line at the check - in counter .
discover this southern german region and enjoy its most famous attraction : neuschwanstein castle .
discover the diversity of the small alpine state with its dreamy mountain villages and trains at dizzying heights .
discover the beauty of the austrian countryside on a train , bike or chairlift .
discover a slower pace of life and take in the social scene at the rummelplatz and the dorfplatz .
discover this tiny fictional town and the lives of its 10 , 000 inhabitants .
discover the famous sights of america , from deep canyons to glitz and glamour .
discover flying elves , a ghost ship and a moose - drawn carriage in this humorous look at scandinavia .
discover boat rides along the port and a soccer match in this replica of the real city .
the bavarian oktoberfest is the world’s biggest festival , and now also a successful export with celebrations around the world . women in dirndls and men in lederhosen enjoy beer and pretzels around the maypole in the heart of the village square . join in the celebrations and cheer on the parade with the brass band .
tractor pulling is one of the most popular pastimes among german farmers . join in the fun and see for yourself how far the heavy - laden vehicles can be pulled .
the rhaetian railway travels over the imposingly high pillars of the landwasser viaduct in the swiss mountains , past the world - famous swiss landmark : the six - meter - high matterhorn . the passengers have a fantastic view , but they will probably miss one thing : the submarine emerging from the lake .
the swiss “king of dance” puts on a huge show with buddha and fountains and the fans are going crazy . but the 21 , 000 men and women dancing and partying are not the only ones enjoying the music . have you spotted the cows and the flying carpet yet ? look carefully ! there are a number of curiosities hidden in the crowd .
the party continues on the campsite . people are dancing , drinking , and barbecuing – and even the nuns are no guarantee that all the visitors will behave themselves . from conga lines to clothes lines , see what you can spot in the campground .
it proudly towers above the picturesque mountain landscape : the world - famous neuschwanstein castle . almost as elaborate as the original , the model here is has been constructed in great detail and is very accurate . it took the designers more than a year to build the towers , gables , balconies , and battlements from more than 6 , 000 individual parts .
huge cranes transport loads , construction workers climb to dizzying heights and the large bridge construction site holds magical appeal for the beholder . cars and trucks drive along the narrow switchbacks below . and what’s happening just around the bend ? a car driver has become impatient and is attempting a risky overtaking maneuver .
life in the classic swiss town is lived at a leisurely pace . the residents enjoy their lunchtime in the pedestrian zone . some use the opportunity to shop for new clothes . others just enjoy reading the paper and strolling around town . in the background is the headquarters of swiss post , one of switzerland’s largest employers .
next to the winter scene you can see this town square in autumn . the flags tell us that we are in norway where families are enjoying the afternoon outside their colorful wooden houses . on the steps you can see a bride and groom who have just said
i do !
experience the steep walls of the grand canyon . downstream the grim reaper awaits the rafters in their rubber dinghies . or perhaps he just wanted to experience the thrill of a ride along the rapids ? pan around to see a steam locomotive lost to the power of the raging waters of the colorado river .
las vegas , the legendary gambler’s paradise , shimmers in all colors . some 60 , 000 leds light up the buildings , while cars cruise along the streets . the buildings are replicas of the originals , such as the famous hotel luxor and the casino royale . it took technicians six weeks to solder all the little lights to illuminate the las vegas strip .
nasa’s legendary space shuttle endeavour is flying into space again ! you can watch the launch live here at the mini cape canaveral . the original shuttle has long since retired to a museum in the california space center in los angeles . notice the skyline of las vegas in the distance .
the jet bridges also move automatically and adapt precisely to the plane that has just landed . the planes ' movements on the ground are precisely controlled by an overhead infrared system .
more than 40 different planes move independently around the airport . first they taxi to the gate and are pushed back by a vehicle in order to then taxi to the runway , where they accelerate and take off . there is a special timetable for all of this activity , which is displayed on two screens . this allows spectators to follow which planes are taking off and landing - in real time . if the planes are delayed , all the other service vehicles adapt to the new times .
just like in real life , planes are towed into the hangar rather than driven at knuffingen airport , for safety reasons . the model airplanes ' intricate technology is continued inside the hangar : the sliding doors open automatically when a plane approaches and close again once it has entered .
the turbines are already turning and the airbus a380 is about to take off . the model of the world’s largest passenger plane has a wingspan of 79 . 8 cm and sports 134 led lamps . in the background the antonov taxies to the runway prior to takeoff .
see how the cyclists struggle on the mountain stage ! one rider has fallen on the bend and is receiving medical treatment . in the background a cyclist is fed up with the strenuous effort and decides to throw his bike over the barrier .
the atmosphere is really lively at the biggest fair in central germany , the country fair and flea market in bad arolsen . men , women , and children flock to the carousels and the chamber of horrors . a ride on the “wild mouse” roller coaster is less advisable – there is a pretty good chance that the delicate mechanism will jam and break down . in its 15 years of existence , it has been repaired at least once a week . have you spotted the divers ?
the mountains are calling ! this is actually a night ski session , when the snow is at its best . equipped with torches , the skiers glide elegantly down the mountain . can you spot the cyclist who has lost his way in the deep snow ?
it’s all about business in hafencity . tourists mingle with businesspeople between modern office blocks . demonstrators stick a poster on the elbphilharmonie to draw attention to the excessive costs . a tow truck cracks down on illegally parked vehicles – and efficiently stacks several cars on top of each other .
all aboard , please ! hamburg central station is one of the most frequented stations in germany . the roof structure of the original is 45 meters high . you can see here how the station looked more than ten years ago . people were still allowed to smoke , for instance , whereas now there are smoking booths on the platforms .
the focus here is on being true to the original : the brick structure , ground , and facades are identical to the real thing in every detail . have you spotted the person diving from a window of the elbphilharmonie ? two anglers are also taking the opportunity to cast their rods into the water . to the delight of observant children , a few colorful bears – käpt’n blaubär and his friends – have made themselves comfortable high above on the ship’s mast .
hamburg’s soccer scene is divided into blue and white ( hamburger sv , or hsv ) and brown and white ( st . pauli ) . the match between the two hamburg clubs ends in a 4 : 3 victory for hsv over st . pauli – 150 times a day . in the stands 11 , 000 fans cheer on their favorite team . the scenery is frozen in a crucial moment : security staff must have been distracted for a moment , because there is a streaker on the field ! a goal is scored at the touch of a button and the fans perform the wave around the stadium . the soccer fans get musical accompaniment from local hero lotto king karl with his hit “hamburg meine perle . ”
enjoy the view of hafencity from the water , as if you were a guest on a cruise ship . every year in september , the port of hamburg is bathed in mystical blue light . the blue port light art project can also be admired in the model ' s street lighting at this time .
fire has broken out in the old tax office ! flames are flickering out of the roof ; the fire teams are working through the night . in the background the hamburg film festival is kicking off with an open - air cinema evening . germany’s biggest church tower clock looks resplendent on top of st . michaelis church , lovingly referred to as michel by the locals .
fire ! an apartment building is burning – and all hands are on deck : the fire department , ambulance service , police , and even thw , the german civil protection . more than 150 cars are racing to the scene ; the police have even turned up from knuffingen airport .
herbertstrasse is hamburg’s red light district , dating back to the19th century . the privacy screen you see here was constructed on the real street in 1933 to protect those walking by . pan around and you will see a more innocent scene : fresh vegetables , cheese , and meat being sold at the popular market under the u - bahn line .
today is market day in knuffingen . the market is traditionally held across from the main fire department building , next to this beautiful church . the cars , trucks and buses driving on the busy road are all paying real - time prices for gas . the prices posted on the yellow gas station sign get fuel prices transmitted daily from an actual gas station in hamburg . and have you spotted the street view car ?
click along one of the six tracks in the st . wendel station and observe the passengers on the platform , as well as those already seated in the passing train . follow the tracks into the tunnel and you ' ll see the track wind in an upward helix shape , allowing the train to emerge on the other side of the mountain . this track enables the train to climb 1 . 4 meters in just 4 minutes .
click down the tracks and through the tunnel to explore bavaria ' s idyllic mountainscapes . see deer and stags grazing along the tracks and farms and villages in the distance . from the train you can see a view of neuschwanstein castle and the the airport , which is fully operational .
click along the tracks to see the 5 ski lifts and an aerial lift in miniature austria . it ' s high winter season in the peaceful village of kitzstein . the mood is jolly , children have a snowball fight and build a snow man . in the background , a gondola lift transports skiers to the mountain peak . passengers wait for departure in the blue cog railroad , a tenderlok br 91 .
click along the runway as if you were a plane about to take off ! circle the airport along the hangar , administrative office buildings and the control tower , and experience an airplane ' s take off close - up . attention has been paid to detail and you can see visible tire residue on the airfield , wind breakers protecting the luggage carts from air turbulences , a space shuttle , a concorde or even a ufo landing .
click along the tracks to see the largest industrial model of the entire site . stretching over five square meters , this replica of the holcim cement and concrete plant includes machinery and busy workers that keep production running . you can track the entire manufacturing process in miniature scale , from mining for raw materials to cement production to truck and train - based product delivery .
click towards the infamous peak ahead , the matterhorn . to build the swiss landmark in its full glory , a hole of about 100 sqm had to be broken in the ceiling . as you ride along , take in the view of the landwasserviadukt below . but watch out ! people are close to the tracks and some even ended up on the overhead contact lines .
click along the tracks and arrive at this station , where 40 trains pass through after traveling the 600 meters of tracks in miniature austria . this station lets people off at the popular ski resort that you can see in the distance . at the end of the ride , you can see the wooden structures and the custom trim behind the scenes .
click along the tracks of knuffingen ' s idyllic environs . nuns wait for the train , a woman mows the lawn and under the bridge a police man chases a pickpocket on horse back . technology enthusiasts should enjoy the ride into the blue illuminated tunnel which reveals special views behind the scenes .
it ' s lunchtime in this small german town and people have gathered to watch a traditional parade with a marching band . the flags indicate its a national holiday , but apparently not for everybody : the construction workers are only taking a short break for lunch before they get back to work repairing the road .
click along the track at the busy wandsbek station and you might spot a celebrity on the platform ! turn around and travel over the bridge and you ' ll encounter hamburg ' s television tower , the city ' s highest building . before you enter the tunnel , look to the left to see the gorgeous dammtor station , called the emperor ' s station because emperor wilhelm ii attended its opening .
gerrits tagebuch ist unter urltoken zu finden . dort sind neben video - beiträgen auch redaktionelle und bild - berichte zu finden .
gerrits tagebuch vol . 3 : flughafen & startbahn / gerrits diary vol . 3 : airport and runway
gerrits tagebuch vol . 4 : von schlitzschließern , stopstellen und weichen . . .
claus ist paketlieferant und hat zu weihnachten den stress seines lebens . sein partner und freund , das rentier rudi ist ihm dabei keine große hilfe . und dann passieren auch noch allerhand unerwartete dinge . werden sie es schaffen , alle geschenke auszuliefern ?
bitte beachten sie , dass es sich hierbei um eine automatische übersetzung handelt . für bessere informationen können sie jederzeit in die deutsche oder englische version wechseln .
free travel by bus , rail and ferry ( hvv ) and up to 50 % discount on more than 150 tourist . . .
your shopping cart will expire in 5 minutes . if this happens you will have to reselect everything you have chosen again . sorry !
the harz , with its seemingly endless ice high - speed route and over 130 trains , is here along with landscapes from austria and scandinavia , and replicas of famous hamburg districts and attractions from st . michaelis church and hagenbeck zoo to the world port .
scandinavia was set up as the sixth section in 2005 . particularly impressive is the real water basin in which there are currently 16 ships that travel from miniature port to port .
the switzerland section is the most impressive to date – it was opened in november 2007 . here the mountains stand with the 6 - metre high matterhorn as the centrepiece where visitors can hike and enjoy the view once they have reached the summit . there are many astounding highlights , such as the tiny chocolate factory which produces real chocolate , or the open - air concert with 21 , 000 tiny visitors .
7 , 000 years of history have been reconstructed in as many hours of painstaking manual work with many details and numerous handmade figures and buildings . in eight dioramas , the story of our civilisation is portrayed from 5 , 500 b . c . to 1942 . you will marvel at the neolithic era , the middle ages and the time of the french revolution , as well as the periods of the two world wars . to illustrate the appearance of these eras to visitors , an ideal and typical , fictionalised piece of land is created for each of them .
the opening ceremony was even broadcast via live stream to all five continents , and 300 people took part on site in the sold - out affair .


aia public takaful bhd. is a malaysian takaful company , jointly owned by aia group limited and public bank berhad .

the company is the successor to two former takaful operators — ing public takaful ehsan and aia afg takaful .

ing public was the takaful joint venture between ing group and public bank until 2012 , when aia acquired ing 's malaysian operations .

aia afg was the takaful joint venture between aia and alliance financial group ( afg ) .

subsequent to aia 's acquisition of ing 's stake in ing public ( renamed aia public ) , afg disposed of its interest in aia afg .

aia afg was then merged into aia public , with the transfer of business completed in 2014 .

the series of transactions resulted in aia group and public bank holding 70 and 30 percent interests respectively in the company .

aia public distributes family takaful products via aia malaysia 's 17,000 insurance agents ( known as life planners ) ( as of 2015 ) and public bank 's over 250 branches in malaysia .

the company made its first surplus distribution in 2014 .

aia public

aia public takaful is jointly owned by aia co ltd , public bank bhd ( pbb ) and public islamic bank bhd .
aia public takaful bhd . ( aia public ) is jointly owned by aia co . ltd . ( aia ) , public bank berhad ( pbb ) and public islamic bank berhad ( a wholly - owned subsidiary of pbb ) .
petaling jaya : aia bhd has integrated both its takaful companies , aia afg takaful bhd and aia public takaful bhd , under a single licence and brand and will now be known as aia public takaful bhd .
these public policies and position statements are binding on aia components . public policies are aia statements of belief to policymakers , the public , and the construction industry on public - policy issues affecting the membership , the profession of architecture , or the aia . position statements elaborate on public policies or apply them to specific conditions or events .
it said aia public could leverage on aia and public bank’s leadership positions and established infrastructure in the insurance and banking industries . its family takaful solutions are distributed via aia’s 17 , 000 - member life planner force and public bank’s over 259 branches .
reports and financial statements for the financial year 30 november 2017 – aia public takaful bhd .
aia public will launch a series of marketing and branding initiatives , including an advertising campaign , to gain wider awareness and recognition among the public .
copyright © 2018 aia group limited and its subsidiaries . aia bhd . ( 790895 - d ) aia public takaful bhd . ( 935955 - m ) aia general berhad ( 924363 - w ) . all rights reserved .
elmie was appointed to lead aia’s family takaful business in 2014 , with the aim of making aia public as one of the fastest growing takaful operators in malaysia .
kuala lumpur : aia public takaful bhd ( aia public ) has declared a total surplus distribution of rm8 . 5mil for the financial year ended nov 30 , 2013 , involving more than 36 , 000 certificates under the company .
aia public is committed to offering the right shariah solutions to meet the different life stages needs of our customers .
he said the company is on track to launch 11 new products this year . aia public takaful plan to ride on aia ' s 17 , 000 life planners and public bank ' s 259 branches nationwide to distribute its suite of family takaful solutions .
the distribution , marking the first surplus since the company ' s inception three years ago , will benefit eligible customers who have participated in takaful products offered by aia afg takaful bhd and ing public takaful ehsan bhd , which had integrated their businesses in march 2014 to form aia public .
the insurer said on wednesday it has appointed elmie aman najas as the new chief executive officer of aia public takaful bhd with effect from jan 15 .
“elmie will play a key role in driving aia public’s product development strategy to ensure alignment with the company’s multi - channel distribution approach , ” it said .
he was subsequently appointed head of channel management of aia public where he played a critical role in ensuring the successful integration of the two entities’ multi - channel distribution lines following the integration of aia’s businesses in malaysia in 2013 .
elmie joined aia in 2011 when he was made head of operations & partnership for the former aia - afg takaful bhd ( aatb ) .
dato ' chang holds a master ' s degree in business administration from university of hull , united kingdom . dato’ chang has 42 years of experience in the banking and finance industry . dato’ chang is currently the deputy chief executive officer of public bank berhad . he sits on the board of several companies under the public bank group , including public bank ( hong kong ) , public bank vietnam , cambodian public bank and campu lonpac insurance in cambodia .
incorporated on 11 march 2011 , aia public leverages on aia and pbb group’s leadership positions as well as established infrastructure and distribution networks in the insurance and banking industries to drive growth and increase the family takaful penetration in the domestic market .
aia public chief executive officer wan azman wan mamat said the company was committed to offering the right shariah solution to meet the different stages of a customer ' s requirement .
his key responsibility is to drive takaful’s product innovation and penetration rate among the bumi segment by leveraging aia and public bank berhad’s leadership positions and established infrastructure and distribution networks .
interested to join our aia family ? look for a role that suits you .
as for ang , he has been with aia group for 17 years . his most recent role was with aia china where he served as the chief agency officer since 2013 .
the surplus will be distributed to those who are registered as a customer of aia public , as at nov 30 , 2013 , do not have any outstanding contribution payments and have not made any claims .
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it also announced kelvin ang joined as aia’s national chief agency officer with effect from feb 1 .
according to an analyst from rhb research institute sdn bhd ( rhb research ) in a research note yesterday , the disposal announcement was not too surprising as management had previously said that it was searching for a new partner to replace aia following aia’s acquisition of ing’s malaysian operations ( ing has a tie up with public bank ) .
dato ' mohammed najeeb holds a master ' s degree in business administration ( accounting and finance ) from charles darwin university , australia and also graduated from the chartered institute of marketing ( uk ) . he started his career in banking for over 27 years and has more than 35 years of experience in both conventional and islamic banking . he was appointed the general manager of public islamic bank in november 2008 . he relinquished his position in public islamic bank when he was made a senator of the parliament of malaysia in april 2010 for a 3 - year term . he is an independent non - executive director of public islamic bank bhd , cambodian public bank plc , campu lonpac insurance plc , pb trustee services bhd and aia public takaful bhd .
life may be full of ups and downs , but we should never give up on what ' s most important to us . aia public ' s aim is to help our customers prepare for some of those uncertainties and to secure their financial and protection needs .
aia was founded in asia , is headquartered in asia and present in 18 markets across the asia - pacific region .
aia plaza 33 , jalan semangat , section 13 ( 8 , 487 . 61 mi ) petaling jaya , malaysia 46100
kuala lumpur : aia bhd has strengthened its takaful business and life planner distribution channel with two key appointments to its executive committee .
cannot swipe at clinic is true for prubsn . but ive seen another aia promo mention they oso provide facility at panel clinic .
“architecture profoundly affects people . the work of architects is essential to human well - being , and architects must embrace their ethical obligation to uphold this public trust . ”
elmie has nearly 20 years of experience in insurance . he was chief agency officer of aia bhd’s central region where he amassed experience in distribution channel management and strategic planning as he helped to drive aia’s business goals in the takaful space through the company’s life planner force .
kuching : alliance financial group bhd’s ( afg ) disposal of its 30 per cent equity interest in aia afg takaful bhd ( aia aig takaful ) for a total cash consideration of rm45 million was anticipated by analysts and would probably not leave much impact for the group .
for almost a century , aia has served the ever - changing needs of millions of people all across the asia - pacific region .
( aia ) formed a strategic alliance through a memorandum of agreement ( moa ) . the moa agrees to facilitate collaboration and information sharing to enhance the profession of architecture in the department of defense and other related federal agencies , and to enhance the body of knowledge for architecture in the public and private sectors .
our takaful business is now bigger , stronger and uniquely positioned to serve our customers and partners well into the future as we have combined the best aspects to produce an enhanced suite of products , processes , systems and technological capabilities ,
said aia public ceo wan azman wan mamat said in a statement yesterday .
aia vitality is the science - backed wellness programme that works with you and rewards you for the healthy choices you make . find out more
en . abu hassan assari holds a bachelor of arts ( hons . ) degree from university of malaya . he is the chief executive officer of public islamic bank berhad and has more than 34 years of experience in the banking industry . encik abu joined the public bank group in 1989 and has held several managerial positions at the head office in credit operations and retail banking , with his last position being director of credit operations . he became the general manager of public islamic bank in 2010 and was subsequently appointed to his current position in early 2011 .
aia bhd said ang transformed the agency force by driving significant value of new business growth , a measure of future profitability , in the last two years .
ms anusha was appointed ceo of aia bhd . in june 2015 . she joined aia in 2002 as vice president of actuarial and later took on the role of appointed actuary & head of product development in ing insurance berhad , where she went on to become deputy ceo . anusha returned to aia in 2011 as deputy general manager of operations , finance & actuarial . prior to becoming ceo , ms anusha was appointed as the regional business development director of aia group limited . she holds a first class honours in mathematics & statistics from the uk’s university of birmingham and is also a fellow of the institute of actuaries , uk .
in the early afternoon of march 6 , 2017 , several past urbahn medal recipients came together for an inaugural summit in washington , d . c . , to continue the way forward for collaboration among architects working in and for the public sector .
maa takaful medical card plan also have unlimited lifetime limit . by the way i ' m also taking this aia plan right now , since they have for family plan . pay about rm420 + + per month
aia bhd ceo bill lisle said with elmie and ang , the company’s vision was to become the best provider of insurance products and services so we address the protection needs of malaysians at every stage in their lives .
as for ang , he would be spearheading aia’s premier agency strategy in malaysia . his focus would be to recruit full - time life planners as the insurer seeks to create the largest and most productive life planner sales force in the country .
both aia and same serve professionals in the architecture field ; same’s reach is slightly more diverse including engineering , construction ( a / e / c ) , facility management and environmental entities . together , this partnership will add greater value to the members of both organizations .
another analyst from the research wing of kenanga investment bank bhd ( kenanga research ) , kelvin ong , noted that aia afg takaful was only recently incorporated on december 6 , 2010 with an issued and paid - up share capital of rm100 million to carry out family takaful business .
the urbahn medal , named in honor of max o . urbahn , faia , is awarded annually to a member of the society of american military engineers ( same ) for distinguished performance in the field of architecture . urbahn was a former president of the american institute of architects ( aia ) who had profound influence upon thousands of architects as well as engineers across both aia and same communities during his long professional career from the 1950s through the 1990s . the first same urbahn medal was awarded in 1996 to harold l . adams , faia , riba , jia .
now paying prudential bsn med card rm300 per month for waifu and me . almost two year already . within two year just utilize the med card once when i got hospitalized due to road accident . not full coverage still need to pay 10â„… co takaful . good thing i got 2days allowance from prubsn . now that i hv a kid . i wanna cover my kid as urltoken prudential bsn agent quote rm110 for my kid . but this aia takaful looks gooding . for urltoken ko takaful , cover up to 4kids . . and can swipe2 at panel clinic . for prubsn the plan only kicks in when one get warded . . anyone use this plan from aia ? can share ? thx summon unker roysteve just reference . ayam no promo this guy
en . mohd daruis is a fellow of the association of chartered certified accountants as well as a member of the malaysian institute of certified public accountants , malaysian institute of accountants and chartered tax institute of malaysia . he is the sole practitioner in an audit firm mdz & co . encik daruis was with pricewaterhouse coopers malaysia between 1974 and 2004 , where he held the position of senior partner . he was also a member of the acca malaysian advisory committee and dewan perniagaan islam malaysia negeri johor .
capt . michael l . blount , p . e . , leed ap bd & c , assoc . dbia , f . same , usn ( ret . ) , is currently vice president of navy programs with aecom . he previously was vice president of the federal center of excellence for balfour beatty construction . before joining the private sector , he served in the u . s . navy . command positions included : commanding officer , naval facilities engineering command , southeast , jacksonville , fla . ; commander , 30th naval construction regiment , pearl harbor , hawaii ; public works officer and officer - in - charge of construction , naval air station sigonella , italy ; and commanding officer , naval mobile construction battalion 1 , gulfport , miss . capt . blount has served in numerous same leadership positions including : chair , same energy and sustainability committee , 2013 - present ; co - chair , dbia / same federal delivery symposium , 2014 ; member , executive committee , 2009 - 2011 ; member , same board of direction , 2008 - 2012 ; south atlantic regional vice president , 2008 - 2012 ; president , jacksonville post , 2006 - 2007 ; first vice president , jacksonville post , 2006 ; regional vice president secretary to rear adm . ives , 1987 - 1988 . he is an instructor at norwich university , which he has continued since 2006 , and a member of the dbia , federal sector committee and chi epsilon , national civil engineering honor society .
no , it does not depend on family medical history , but rather it is how the plan is designed . see below co - takaful or deductible is a method used by most of the international insurer to reduce the insurance charges , especially at older age . please see the brochure attached earlier on the insurance charges , especially at older age . will you be able to sustain the policy if you are required to pay rm10k / year at age 70 ? most of the time , the agents do not tell the client about the ' increasing ' insurance charges as we grow older and only tell them that the premium that they pay does not go up ( in order to secure the sales ) . by applying the co - takaful / deductible , the plan is easier to maintain , as the insurance charges is not that expensive as compared to plans with full claim . secondly , as some has mention the non - cancellable clause mean that prubsn cannot cancel the medical plan even though you had claimed before . thirdly , as for family plan , and if you are the person signing on behalf of your spouse and kids , if you die , the policies for the kids / wife will also be terminated as you are the master policy holder . of course prubsn also have plans with full claim ( health enrich plan ) , with a higher insurance charges naturally . everything comes at a costs . aia dont have parent / spouse contributor ?
attracting young adults , including those from the malay segment , to boost sales productivity and unlock the growth potential of family takaful in malaysia .
he has also served in various senior agency management and agency distribution roles in hong kong , indonesia , vietnam and within china .
“from our conversation with management , we understand that there is nothing on the table at the moment with respect to a new partner , ” it highlighted .
“while the amount of disposal proceed is relatively small vis - à - vis its core capital of rm4 . 1 billion as at end - december 2012 , this development is mildly positive for afg , creating some space for its core capital ratio required under the new basel iii regime , ” ong opined .
“other than that , the divestment is not expected to have a material effect on the group earnings . there are no changes in our earnings estimates as the joint venture was just breaking even previously . ”
to recap , ong said the momentum of afg’s loan growth was seen as sustainable , driven by the bank’s aim of growing its small and medium enterprise ( sme ) and mortgage loans ( targeting high - teen rates ) .
“our loan growth forecast of 11 per cent year on year for afg is thus highly achievable with the risk actually being on the upside . however , the immediate challenge is that continuous competitions could have a negative impact on its net interest margins ( nim ) .
“in fact , management has guided for a potential nim compression of 10 basis points as the group’s strategy to focus on mortgage and sme loans will see it competing more in these two highly competitive segments , which could lower its asset yields and raise its funding cost .
“in addition , afg’s earnings are likely to be unexciting and we expect another major leg up in its fee income to likely happen only in financial years 2014 or 2015 and hence , its cost to income ratio may not decline as fast as earlier expected . ”
meanwhile , the research side of midf amanah investment bank bhd ( midf research ) believed that afg would continue to focus on growing non - interest income .
“the group announced earlier of alliance bank’s sale of 70 per cent equity stake in alliance investment management bhd ( aimb ) which manages unit trust funds eventually to kaf - seagroatt and campbell ( kaf ) , ” it highlighted .
“aimb’s contribution to group pre - tax profit was marginal . we believe that the group is reducing its capital in business segments which are not performing and channelling its focus on driving on interest income growth which will be key driver of its roe . ”
this service is provided on borneopost online standard policies and conditions . copyright 2010 - 2018 borneopost online . all rights reserved .
we are strengthening our multi - distribution channels through innovative recruitment activities and business collaborations with reputable partners . with our added strength and capabilities following the integration , we will deepen our commitment to deliver a more personal , relationship - based experience to our customers and partners ,
wan azman added .
the high court has issued a gag order against the media . it cannot discuss the merits of . . .
health minister dr dzulkefly ahmad , among other measures , has promised to reduce the . . .
from the ongoing investigation into the fabulous wealth of the former prime minister ( pm . . .
in the sesi khas in jakarta , prime minister tun dr mahathir mohamad used the word
usang . . .
water , the source of life , plays an important role in our daily lives . and yet many of us . . .
our minister of housing and local government datuk zuraida kamaruddin and penang chief . . .
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we want to genuinely engage in your life , providing the right financial solutions for you and your family in a constantly changing world .
we’re seeking bright , vibrant and passionate individuals to join us on our journey to becoming the preeminent life insurer in malaysia .
we are also focused on ensuring all claims are managed properly and in an ethical manner . by doing so , we are pleased to share a surplus with our customers this year ,
he said in a statement .
the surplus amount paid will also vary from one customer to another depending on the size of their contribution , amount of coverage and certificate period .
takaful not only benefits claimants but also takes care of non - claimant customers , who stand to receive a proportionate share of distributable surplus arising from the risk fund at the end of a defined period , said the statement . - bernama
our people are the foundation of our success and the drivers of our promise to help malaysians live healthier , longer , better lives .
dato ' thomas is a barrister at law ( england ) and holds a master of arts ( ma ) and master of laws ( llm ) from cambridge university , uk . dato’ thomas has been in legal practice as an advocate and solicitor for more than 50 years . dato’ thomas is an arbitrator with the court of arbitration for sport , lausanne , switzerland and is currently the senior partner of lee hishammuddin allen & gledhill . he has over 40 years of experience in banking , finance and corporate law .
datuk husni holds a bachelor of science ( hons . ) resource economics from university putra malaysia . datuk husni had served at malaysian missions in the philippines , pakistan and united kingdom and was an ambassador of malaysia to kuwait and ambassador of malaysia to thailand . datuk husni was appointed as the high commissioner of malaysia to singapore on 23 august 2013 before his retirement from government service in 2016 . datuk husni has over 34 years of experience and expertise in managing international relations as a diplomat and senior management team of the malaysian ministry of foreign affairs .
emeritus prof . dato’ paduka dr . mahmood zuhdi haji ab . majid ( chairman ) is currently an emeritus professor at the academy of islamic studies , university of malaya .
he received his first degree in shariah from yayasan pengajian tinggi islam kelantan and successfully completed his master’s degree in shariah from al - azhar university . he then obtained his diploma in education from ‘ain syams university , cairo and master in philosophy from university of kent , england . he holds a doctorate of philosophy from university of malaya .
he holds the post of consultant of foreign affairs for madinah international university and a research fellow at international shariah research academy for islamic finance ( isra ) . he has published various books and written numerous articles , journals and research papers on islamic criminal law , history of islamic law and principles of islamic jurisprudence .
associate prof . dr . mohamad asmadi abdullah is currently an associate professor at ahmad ibrahim kulliyyah of laws , iium . he obtained his double degree in llb ( bachelor of laws ) and llb . s ( bachelor of shariah ) from iium . he then obtained his master of comparative laws from the same university . he holds a ph . d in islamic law from university of durham , united kingdom . he was a deputy dean at the academic management and admission division , iium and served osk investment bank as a member of its shariah committee . he has presented various papers both locally and abroad and has produced several articles and books in the field of family law . his specialised areas are islamic law of property , transactions , banking and takaful as well as comparative laws .
assistant prof . dr . mohd afandi awang hamat is currently an assistant professor at kulliyyah of islamic revealed knowledge and human sciences , iium . he received his first degree in fiqh and usul al - fiqh from iium and further his master and ph . d at the same university .
currently , he is appointed as a committee member of employment and promotion and a committee member of examination in iium . he is also a coordinator of centre for islamic studies at the same university . dr . mohd afandi had represented iium in a conference in erfurt university , germany to present a paper on issues of islamic law .
associate prof . dr . abdul bari awang is currently an associate professor in kulliyyah islamic revealed knowledge , iium . he received his first degree in fiqh from iium and continues his master and ph . d in fiqh & usul al - fiqh at the same university .
he won an award for the best library partner iium in 2013 . he was also appointed as a reviewer for the best book award by majlis penerbitan ilmiah malaysia . he received a bronze award winner in iium research , invention and innovation exhibition ( iriie ) in 2010 and 2012 .
dr . abdul bari is currently a member of islamic legal consultative committee of federal territories , a member of student disciplinary committee board , iium and a coordinator for diploma in islamic studies , iium in gombak , kuantan and singapore .
associate prof . datin dr . rusnah muhamad is currently an associate professor in faculty of business and accountancy , university of malaya ( um ) . she obtained her first degree in accounting from um and obtained her master of science in accounting and finance from university of stirling , scotland . she then received her ph . d in accounting from um . she had recently completed her executive diploma in syariah at universiti malaya centre of continuing education and received the best student award .
she is a registered member of cpa australia and becomes a campus liaison officer of cpa australia . she is appointed as a chief editor for journal accounting perspective published by department of financial accounting and auditing ) , um .
she has been actively producing various research papers in financial accounting , islamic accounting and religiosity and ethics . her academic paper titled “religiosity and work stress coping behaviour among muslim employees” won the best paper award at the international conference on management from islamic perspective in 2007 .
swee chin leads the actuarial team that is responsible for the company’s financial resiliency , to ensure that there are adequate financial safeguards in place to manage key emerging risks to the financial condition and capital adequacy of the company .
reena sari leads the business governance team that is responsible for driving sustainable business growth through successful distribution channel management and strengthening the company cost and operational efficiencies through effective operations and it management .
yuet ping leads the finance team that is responsible for treasury and reconciliations , finance and general ledger operations , financial reporting , as well as financial control and investment .
puteri haslinda leads the compliance team that is responsible for ensuring that controls to manage compliance risk are adequate and operating as intended . it is also responsible for assessing and monitoring of compliance risk faced by the company .
we would like to introduce the new a - enrichgold - i 6pay20 which are specially offered from 4th december 2017 until 31st march 2018 only .
it consist of an investment - linked plans with a contribution term of 6 years and coverage term of 20 years . it is a savings plan that provides takaful coverage , investments , maximizing returns , coverage on total permanent disability , increasing lifestyle benefits and so on . please contact any of our representatives for fur
at ag wealth advisory we offer you the opportunity to grow and the support to succeed . we provide agents with a comprehensive training to help you feel more comfortable with our products and services before you begin meeting with customers . ongoing professional development training and assistance so that you have the opportunity to never stop learning . let ' s join us now and be a part of ag families .
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now paying prudential bsn med card rm300 per month for waifu and me . almost two year already .
within two year just utilize the med card once when i got hospitalized due to road accident . not full coverage still need to pay 10â„… co takaful . good thing i got 2days allowance from prubsn .
now that i hv a kid . i wanna cover my kid as urltoken prudential bsn agent quote rm110 for my kid .
for urltoken ko takaful , cover up to 4kids . . and can swipe2 at panel clinic . for prubsn the plan only kicks in when one get warded . .
for prubsn . . it does cover if your fever n flu too severe until it get u warded .
cannot swipe at clinic . only work for in patient at hospitals ( warded ) .
no limit seumur hidup , this agent try to sell something which not inside the clause .
you think insurance so bodoh , insurance has the right to increase premium whatsoever without your approval .
is non cancellable ? prubsn / prudential is ncc . . . sampai u mampui u pay rm150 . . they cannot force u to terminate the plan
so far that i know individual medical card cannot . i could be wrong . do show me the promo ya .
if not mistaken , prudential few years back got this pru clinic care . that one can use for clinic as well .
if go to clinic lead to hospitalisation can claim lah . illness must be related . cannot say go clinic sakit kepala then hospital patah kaki . you cannot claim back the clinic one . but you still have to pay first .
mine is the old product . i think rm66 for new product with better benefits .
thanks ! will check it out . do we need to go to an agent or can go direct i wonder .
i pay rm150 for 650k full medical benefits , max until 85 prubsn . seems more logical . don ' t really like those sweet words hanky panky promotion cus afraid if later anything happen , issue come out and that time you regret liao .
i ' ve noticed a lot of other companies started to increase their lifetime limit after this product go big . win for everyone lah !
i pay rm150 for 650k full medical benefits , max until 85 prubsnâ . seems more logical . don ' t really like those sweet words hanky panky promotion cus afraid if later anything happen , issue come out and that time you regret liao .
not sure can go direct or not . try call their cs . i take through agent though .
sorry guys , i don ' t do comparison and it ' s not professional of an agent to compare with another insurance company as i am not involved directly in its medical claims operations . anyway , always remember that there is no free lunch when it comes to insurance . everything will comes at a cost . please take the brochure and read . a - life _ med _ regulari
no lifetime limit is very common nowadays . however , the more important is the annual and other inner limits , not the lifetime limit .
a 2 weeks icu for viral infection at a private hospital can costs ~ rm80k .
all insurer reserves the right to increase the ' insurance charges ' should the claims for that particular product goes out of hand and / or the premium collected is not able to maintain the medical portfolio .
if the upward revision results in the insufficient of units in the policy to cover the said insurance charges , the policy holder is required to do ' top ups ' or pay more premium if he / she wants to maintain the policy .
probably this is out of topic but it will be good if you can share your knowledge , i wanted to know about the co - takaful scheme by prudential bsn , what ' s the purpose we pay monthly but in the end if admitted , need to pay 10 % or maximum rm1k ? look more rugi to me compared to fully cover .
no , it does not depend on family medical history , but rather it is how the plan is designed . see below
co - takaful or deductible is a method used by most of the international insurer to reduce the insurance charges , especially at older age .
please see the brochure attached earlier on the insurance charges , especially at older age . will you be able to sustain the policy if you are required to pay rm10k / year at age 70 ?
most of the time , the agents do not tell the client about the ' increasing ' insurance charges as we grow older and only tell them that the premium that they pay does not go up ( in order to secure the sales ) .
by applying the co - takaful / deductible , the plan is easier to maintain , as the insurance charges is not that expensive as compared to plans with full claim .
secondly , as some has mention the non - cancellable clause mean that prubsn cannot cancel the medical plan even though you had claimed before .
thirdly , as for family plan , and if you are the person signing on behalf of your spouse and kids , if you die , the policies for the kids / wife will also be terminated as you are the master policy holder .
of course prubsn also have plans with full claim ( health enrich plan ) , with a higher insurance charges naturally . everything comes at a costs .
thanks again ! it is not easy to find agent who will explain as details as you . am also got this info from my agent .
the want i have bold , ramai yang terlepas pandang since family plan sometimes are more affordable compared with individual insurance . bila anak ramai , lagi tinggi expenses for insurance .
for me , co - takaful is fit with my necessity . thanks sifu roystevenung
thank you for the great explaination and knowledge sharing , one more question , sorry in advance if i ' m taking your time .
why do we need to pay 10 % or maximum 1k for hospitalization if we already paid for insurance , monthly . . its like rugi for us .
but need to pay rm400 back to insurance just because my warded bill is rm4000 and need to pay 10 % . . its like rugi for me .
that rm400 still acceptable , what if need to pay maximum rm1k , but that time short of money . .
apa yang saya belajar , any policy cannot review tanpa persetujuan contributor . compny insurans akan cover berlandaskan policy yang diambil walaupon policy tu 10 tahun lalu .
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