HealthCover Enhancer

Increase the chances of recovery by enhancing Your protection

Menambahkan peluang pemulihan dengan mempertingkatkan perlindungan Anda

Carcinoma-in-Situ benefit for PowerLink Plan

If You own Our regular premium investment-linked insurance plan (PowerLink) with the attachment of HealthCover or HealthCover Plus, You can enhance Your protection further by including Our unit deducting Rider HealthCover Enhancer. Upon rst diagnosis of Carcinoma-in-Situ, the HealthCover Enhancer Rider Insured Amount subject to the maximum amount of RM40,000 per life, shall be payable as an accelerated benet on HealthCover or HealthCover Plus. In other words, part of Your insured amount can be advanced to cover Your treatment expenses. Do remember that early detection and treatment can improve chances of recovery, and planning ahead nancially can put Your health back on track without being overwhelmed by medical expenses. Example scenario:Scenario 1: HealthCover Enhancer attached to HealthCover
Insured Amount payable before claims : RM 100,000 PowerLink HealthCover : RM 50,000 HealthCover Enhancer : RM 12,500 Insured Amount payable after claims on HealthCover Enhancer PowerLink : RM 100,000 RM 12,500 = RM 87,500 HealthCover : RM 50,000 RM 12,500 = RM 37,500 HealthCover Enhancer : Terminated

Scenario 2: HealthCover Enhancer attached to HealthCover Plus

Insured Amount payable before claims : RM 100,000 PowerLink HealthCover Plus : RM 50,000 HealthCover Enhancer : RM 12,500 Insured Amount payable after claims on HealthCover Enhancer PowerLink : RM 100,000 HealthCover Plus : RM 50,000 RM 12,500 = RM 37,500 HealthCover Enhancer : Terminated

Definition of Carcinoma-in-situ:
Carcinoma-in-situ (CIS) shall mean the focal autonomous new growth of carcinomatous cells which has not yet resulted in invasion of normal tissue. Invasion means an inltration and/or active destruction of normal tissue beyond the basement membrane. The diagnosis of CIS must always be positively diagnosed upon the basis of a histopathology report and supported, in the case of CIS cervix by cone biopsy or colposcopy with cervical biopsy. All premaligant or precancerous conditions are specically excluded. Clinical diagnosis of the Cervical Intraepithelial Neoplasia (CIN) classication which reports CIN I, CIN II, and CIN III (severe dysplasia without carcinoma-in-situ) does not meet with the required denition and are specically excluded. Carcinoma-insitu of the biliary system is also specically excluded.

Allianz Life Insurance Malaysia Berhad (104248-X)

Exclusion:
The Rider shall not cover any one (1) of the following and We are not liable to pay any benet in respect of:(a)  any Carcinoma-in-situ which rst manifest itself prior to the hundred and twentieth (120th) day following the Issue Date or Reinstatement Date of the Supplementary Contract, whichever is later; (b)  any Carcinoma-in-situ which existed at the Issue Date or Reinstatement Date of the Supplementary Contract, whichever is later; (c) all Carcinoma-in-situ in the presence of HIV.

Cost of insurance:
The cost of insurance for HealthCover Enhancer is levied through deducting units from the investment account of Your policy. The amount to be charged will depend on the amount and type of insurance cover chosen, as well as other factors such as age, sex, health status, smoker status, etc. The current cost of insurance charged for HealthCover Enhancer is illustrated in the sales illustration and You may request a copy from Your servicing agent.

Faedah Karsinoma-in-Situ untuk Pelan PowerLink

Jika Anda memiliki pelan insurans berkait pelaburan dengan premium kerap (Powerlink) Kami bersama dengan lampiran HealthCover atau HealthCover Plus, Anda boleh mempertingkatkan perlindungan selanjutnya dengan menambahkan Rider pembatalan unit Kami - HealthCover Enhancer. Apabila pertama sekali didiagnosis dengan Kasinoma-in-situ, Amaun Diinsuranskan Rider HealthCover Enhancer tertakluk kepada amaun maksimum RM40,000 setiap hayat, akan dibayar sebagai faedah dipercepatkan ke atas HealthCover atau HealthCover Plus. Bermaksud, sebahagian daripada Amaun Diinsuranskan Anda boleh digunakan terdahulu untuk perbelanjaan rawatan Anda. Sila ingat bahawa pengesanan awal dan rawatan boleh mempertingkatkan peluang pemulihan, dan perancangan kewangan masa depan boleh mengembalikan kesihatan Anda seperti sedia kala tanpa dibelenggu oleh perbelanjaan perubatan. Contoh Senario:Senario 1 : HealthCover Enhancer dilampirkan bersama HealthCover
Jumlah Diinsuranskan boleh dibayar sebelum tuntutan Jumlah Diinsuranskan boleh dibayar selepas tuntutan ke atas HealthCover Enhancer PowerLink : RM 100,000 : RM 100,000 RM 12,500 = RM 87,500 PowerLink HealthCover : RM 50,000 HealthCover : RM 50,000 RM 12,500 = RM 37,500 HealthCover Enhancer : RM 12,500 HealthCover Enhancer : Tamat

Senario 2 : HealthCover Enhancer dilampirkan bersama HealthCover Plus

Jumlah Diinsuranskan boleh dibayar sebelum tuntutan Jumlah Diinsuranskan boleh dibayar selepas tuntutan ke atas HelathCover Enhancer PowerLink : RM 100,000 : RM 100,000 PowerLink HealthCover Plus : RM 50,000 HealthCover Plus : RM 50,000 RM 12,500 = RM 37,500 HealthCover Enhancer : RM 12,500 HealthCover Enhancer : Tamat

Definisi Karsinoma-in-situ:
Karsinoma-in-situ (CIS) bermaksud pertumbuhan baru berautonomi fokus sel-sel karsinomatous yang belum menyebabkan pencerobohan tisu normal. Pencerobohan bermaksud penembusan dan/atau pemusnahan tisu normal secara aktif menyeberangi membran dasar. Diagnosis CIS mesti sentiasa didiagnosis dengan positif berdasarkan laporan histopatologi dan disokong, dalam kes CIS serviks oleh biopsi kon atau kolposkopi dengan biopsi serviks. Diagnosis Klinikal untuk klasikasi Cervical Intraepithelial Neoplasia (CIN) yang melaporkan CIN I, CIN II, dan CIN III (displasia parah tanpa karsinoma-in-situ) tidak memenuhi denisi yang diperlukan dan dikecualikan secara khususnya. Karsinoma-insitu untuk sistem empedu juga dikecualikan secara khususnya.

Pengecualian :
Rider adalah tidak meliputi salah satu (1) daripada berikut dan Kami tidak akan bertanggungjawab untuk membayar sebarang faedah berkenaan dengan: (a)  sebarang Karsinoma-in-situ yang terdahulu memanifestasikan dirinya sebelum seratus dua puluh (120) hari selepas Tarikh Terbitan atau Tarikh Pengembalian Semula Kontrak Tambahan ini, yang mana terkemudian; (b)  sebarang Karsinoma-in-situ yang wujud pada Tarikh Terbitan atau Tarikh Pengembalian Semula Kontrak Tambahan ini, yang mana terkemudian; (c) semua Karsinoma-in-situ dalam kehadiran HIV.

Kos Insurans:
Kos insurans untuk HealthCover Enhancer adalah dibiayai melalui pembatalan unit daripada akaun pelaburan polisi Anda. Jumlah yang akan dikenakan adalah bergantung kepada jumlah dan jenis perlindungan yang dipilih, dan juga faktor-faktor lain seperti umur, jantina, status kesihatan, status merokok dan lain-lain. Kos insurans terkini yang dikenakan untuk HealthCover Enhancer adalah dihuraikan di dalam ilustrasi jualan dan Anda boleh mendapatkan salinan ilustrasi jualan daripada ejen anda.

(PowerLink)
HealthCoverHealthCover PlusHealthCover Enhancer
(Carcinoma-in-Situ)HealthCover EnhancerRM40,000 HealthCoverHealthCover Plus(accelerated benet) :: HealthCover EnhancerHealthCover
PowerLink HealthCover : RM 100,000 : RM 50,000

HealthCover Enhancer
PowerLink : RM 100,000 RM 12,500 = RM 87,500 HealthCover : RM 50,000 RM 12,500 = RM 37,500 HealthCover Enhancer :

HealthCover Enhancer : RM 12,500

: HealthCover EnhancerHealthCover Plus

PowerLink HealthCover Plus : RM 100,000 : RM 50,000

HealthCover Enhancer
PowerLink : RM 100,000 HealthCover Plus : RM 50,000 RM 12,500 = RM 37,500 HealthCover Enhancer :

HealthCover Enhancer : RM 12,500

()
(CIS)/ CIS(cone biopsy) (colposcopy with cervical biopsy) (CIN)CIN ICIN IICIN III() (Carcinoma-in-situ of the biliary system)

:
(Rider)(1) :

:
HealthCover Enhancer
HealthCover Enhancer

(a)  (Carcinoma-in-situ)
120

(b)  (Carcinoma-in-situ)

(c)  (HIV) (Carcinomain-situ) This brochure is for illustration purposes only and the information included is neither comprehensive nor exhaustive. You need to refer to the Product Disclosure Sheet (PDS) and the Sales Illustration (SI) for further details. Both PDS and SI could be obtained from Your servicing agent. The renewal of this Supplementary Contract is guaranteed but the cost of insurance payable for the renewal is not guaranteed. We have the right to revise the rates, benefits, terms and conditions and You will be informed in writing of the revision at least three (3) months before renewal. You should satisfy Yourself that this plan would best serve Your needs, and that investing in this plan is an easy and affordable way to Your financial well-being. A free look period of fifteen (15) days or such longer period as may be specified by Bank Negara Malaysia, will be given from the date of receipt of the Policy by You to review its suitability and should You choose to return the Policy within the period, the amount to be refunded shall follow the terms and conditions in the Policy Contract. Risalah ini adalah untuk tujuan ilustrasi sahaja dan informasi yang diberikan adalah tidak lengkap and menyeluruh. Anda perlu merujuk kepada Lembaran Pendedahan Produk dan Ilustrasi Jualan untuk maklumat lebih terperinci. Kedua-dua Lembaran Pendedahan Produk dan Ilustrasi Jualan boleh didapatkan daripada ejen yang berkhidmat kepada Anda. Pembaharuan Kontrak Tambahan ini tertakluk kepada syarat-syarat dan kos insurans untuk pembaharuan ini tidak dijamin. Kami berhak mengubah kadar-kadar, faedah-faedah, terma-terma dan syarat-syarat. Anda akan diberitahu secara bertulis tentang perubahan tersebut sekurang-kurangnya tiga (3) bulan sebelum pembaharuan Kontrak Tambahan. Anda harus yakin bahawa pelan ini dapat memenuhi keperluan Anda dengan sebaiknya, dan melabur dalam pelan ini adalah cara yang mudah dan memanfaatkan kewangan Anda. Tempoh percubaan selama lima belas (15) hari atau dalam tempoh lebih lama sebagaimana yang mungkin ditentukan oleh Bank Negara Malaysia, dari tarikh penerimaan Polisi ini oleh Anda akan diberikan untuk Anda mempertimbangkan kesesuaiannya dan sekiranya Anda memilih untuk memulangkan Polisi dalam tempoh tersebut, jumlah yang dibayar kembali akan berdasarkan terma-terma dan syarat-syarat yang dinyatakan dalam Kontrak Polisi. (3) 15

Allianz Life Insurance Malaysia Berhad (104248-X) (Licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia) Ground Floor, Block 2A, Plaza Sentral, Jalan Stesen Sentral 5, Kuala Lumpur Sentral, 50470 Kuala Lumpur. Tel No.: 603-2264 0700 Fax No.: 603-2264 0602/ 603-2263 6000 Toll Free No.: 1-300-88-1028 E-mail.: customer.service@allianz.com.my www.facebook.com/AllianzMalaysia

Updated 06/13

AZ 06/13