Beruflich Dokumente
Kultur Dokumente
Amount
Benefit
Medical Benefit (1) PRUhealth
Amount
Lump sum
NA
Income
NA
Medical Reimbursement
NA
Reimbursement up to
i) Annual limit on benefits payable
NA
NA
No claims bonus
NA
NA
NA
Income
Auto Increase of Total and
Disability Benefit
RM 10,000
NA
NA
RM 10,000
Medical Reimbursement
NA
Income
NA
NA
Reimbursement up to
Accidental Benefit
Accidental death/injury
Up to RM 20,000
NA
Accidental Income
i)Temporary Total Disability
RM 50 per week
NA
Well-being benefit
NA
NA
NA
ICU Confinement
NA
NA
Medical Reimbursement
i) Surgical, In-Hospital and Related
Services Benefit
ii) Day Surgery Benefit
NA
Payor Benefit
Payor on life assured's life
RM 3,120 p.a.
RM 100
NA
Medical Reimbursement
As Charged
RM 50,000
RM 1,000,000
NA
Fund invested:
Local Funds
PRUlink equity fund
PRUlink dana unggul
: 0%
: 0%
: 100%
: 0%
: 0%
: 0%
: 0%
: 0%
Global Funds
PRUlink Asia property securities fund : 0%
PRUlink Asia managed fund
: 0%
: 0%
PRUlink Asia local bond fund
PRUlink global market navigator fund : 0%
Reminder : Please refer to the sales illustration for more information about the benefits of the basic plan and its optional and add-on benefits, as
well as the objectives of the investment-linked fund. It is important to select a plan or a combination of funds that suit your financial goals and risk
profile.
3. How much premium do I have to pay?
The total premium that you have to pay and the policy terms may vary depending on the underwriting requirements of the insurance company. The
estimated total premium that you have to pay is RM260.00 monthly. You are given one month's grace period after the due date for the payment of
premium.
The insurance company allocates a portion of the premium to purchase units in the investment-linked fund(s). Any unallocated amount will be used to
pay commissions to agent/ wealth planner and other expenses of the insurance company. You are advised to refer to the allocation rates given in the
sales illustration.
4. What are the fees and charges I have to pay?
The insurance coverage charges are deducted monthly from the value of your units. The insurance charges will increase as you grow older. Details of
the insurance charges for the ILIP are given in the sales illustration.
Other fees and charges are as follows:
Service charge of RM6 per month.
Fund switch fee is set at 1% subject to a maximum of RM50. Four free switches are allowed every year. There is no flexibility to switch fund if
PRUlifestyle saver is attached and it has not expired.
Top-up/ LifestyleTop-up incurs a one-off fee of RM25.
Fund management charge levied will depend on the fund(s) invested. Details of fund management charge are given in the sales illustration.
Note: We may change the fees and charges above at policy anniversary by giving a 90-day notice to you (30 days for medical benefits and
hospitalisation income benefits) except for Fund Management Charge that we may change it from time to time.
5. What are some of the key terms and conditions that I should be aware of?
Importance of disclosure - you must disclose all material facts such as medical condition and your occupation which would affect the risk profile
and state your age correctly.
Free-look period - you may cancel your ILIP by returning the policy within 15 days after the policy has been delivered to you. The insurance
company will refund to you the unallocated premiums, the value of units that have been allocated (if any) at unit price at the next valuation date and
any insurance charge and other charges that have been deducted less any medical fee incurred.
Cash value - the cash value of the ILIP depends on the performance of the investment-linked fund(s) invested. The higher the level of Insurance
coverage selected, the more units will be absorbed to pay for the insurance charges and the fewer units will remain to accumulate cash values under
your policy. You should consider whether the allocation of insurance premiums towards protection and investment meets your financial
circumstances.
Policy lapse - The ILIP will lapse when the value of investment units is insufficient to pay for the insurance and other charges.
Waiting period (if applicable)
Benefit
Critical Illness & Payor Benefit
Conditions
Heart attack, coronary artery disease and cancer
All other illnesses
Medical Benefit
Waiting Period
60 days
30 days
90 days
Special Benefit
60 days
Specified illnesses
120 days
30 days
Immediately
All conditions
1 day from
commencement
date
Accidental Benefit
Immediately
30 days
All conditions
Immediately
Note: This list is non-exhaustive. Please refer to the policy contract for the full list of terms and conditions under this policy.
6. What are the major exclusions under this policy?
If it is a suicide within the first year from the commencement date of the policy or the date of policy revival, we shall pay the sum of value of units at the
valuation date after the date of notification.
Total and permanent disability benefit is not payable if the disability is directly or indirectly caused by
(a) any attempted suicide or self-inflicted injury whether attempted/inflicted while sane or insane; or
(b) any traveling in an aircraft other than as a pilot or a member of a crew or a fare paying passenger in a commercial aircraft licensed for
passenger service on scheduled flights over established routes only; or
(c) any participation in any aerial sporting activities such as hang-gliding, ballooning, parachuting, sky-diving, bungee jumping and other such
similar activities
This policy does not cover pre-existing condition
Note: This list is non-exhaustive. Please refer to the policy contract for more details about the major exclusions under this policy.
7. Can I cancel my policy?
Buying a regular premium ILIP is a long-term commitment. It is not advisable to hold this policy for a short period of time in view of the high initial
costs. If you find that the fund you have chosen is no longer appropriate, you have the flexibility to switch fund. You are allowed 4 switches per year
without any fee. For additional switches, you may be charged a processing fee. You may cancel your policy by giving a written notice to the
insurance company. Upon cancellation, you are entitled to receive the value of the investment units.
Name
Plan Type
Date of birth
: 16/4/1974
Total Premium
: RM 260.00
Payment frequency : Monthly
Payment mode
: Cash / Cheque
: Male
Smoking status
: No
: Investment-linked Insurance
Fund invested:
Local Funds
PRUlink equity fund (PE)
PRUlink dana unggul (HE)
: 0%
: 0%
: 0%
: 0%
: 0%
: 0%
Global Funds
PRUlink Asia property securities fund (APS) : 0%
PRUlink Asia managed fund (AMF)
: 0%
Benefits:
Accounts
Basic Unit Account:
PRUlink global market navigator fund (GMN) : 0% PRUlink Asia equity fund (ASF)
Plan
Term (Years)
PRUlink one
PRUacci guard
59
29
10,000
20,000
Total Basic Unit Account Premium
29
29
29
10,000
1 Unit(s)
100/50,000
Deductible:0
2 Unit(s)
3,120 p.a.
29
59
: 0%
Premium (RM)
12.27
5.00
17.27(A)
8.10
11.45
169.18
18.74
35.26
242.73(B)
260.00 (A+B)
Note: There is an additional 6% service tax which is chargeable on all premiums paid by business organizations. This service tax does not affect the
projection of cash value.
Presented by :
Date:
Version :
Page 1 of 16
IMPORTANT:
THIS IS AN INSURANCE PRODUCT THAT IS TIED TO THE PERFORMANCE OF THE UNDERLYING ASSETS, AND IS NOT A PURE
INVESTMENT PRODUCT SUCH AS UNIT TRUSTS.
1. You should read this illustration together with the fund fact sheet(s) of the investment-linked fund(s) which you have chosen. The fund fact
sheet contains all the important information that you will need to know regarding the investment-linked fund(s).
2. For more information about the benefits of the basic plan and its optional and add-on benefits, as well as the objective of each investment-linked
fund, please refer to Appendix at the end of this sales illustration.
3. Since only 40% of the Annual Premium for the first policy year is allocated towards the purchase of units, while top-up allocates 95% of the
amount towards purchasing units, you can maximise your investment value by maintaining sufficient premium to meet your insurance benefits
and increasing your top-ups.
Minimum Annual Premium Required : RM 1,200
Minimum Top-ups allowed
: RM 500
4. Therefore, if your purchase involves a premium of sizeable amount say RM5,000 and above, you should consider purchasing single
premium investment-linked policy (rather than a regular premium policy) as single premium plans offer better allocation rates for investment.
5. Your investment-linked policy will terminate if there are insufficient units in your fund to pay the required charges. Your units could be
insufficient over the years due to:
a) Poor investment return
b) Premium holiday - i.e. if you stop paying premiums for a long period of time.
c) High insurance charges if you buy a lot of optional and add-on benefits, and especially if the charges are increasing over time as you get
older.
6. The choice of funds selected should be based on, among others, your tolerance to risk. Please seek advice from your insurance agent/ wealth
planner or insurance company on your tolerance to risk.
WARNING:
YOUR INSURANCE CHARGES WILL INCREASE AS YOU GET OLDER. IN THE LATER YEARS, IT IS POSSIBLE THAT THE ACCUMULATED
FUND VALUE IS NOT ENOUGH TO PAY FOR YOUR INSURANCE CHARGES DUE TO POOR INVESTMENT RETURNS, WHICH WILL RESULT IN
YOUR POLICY BEING CANCELLED. YOU MAY NEED TO INCREASE YOUR PREMIUMS OR REDUCE THE LEVEL OF INSURANCE
PROTECTION, IF YOU WANT TO MAINTAIN YOUR POLICY*.
* You should ask your insurance agent/ wealth planner to explain to you about the insurance charges and its effect on your future insurance
coverage.
SUMMARY ILLUSTRATION:
1. The summary illustration in the following pages is intended to show the movements of possible cash flows for the investment and the impact
of fees and charges on cash values based on illustration below.
2. The projected investment returns used below are for illustrative purposes and not meant to show possible returns of your chosen investment fund(s).
They are neither guaranteed nor based on the past performance.
3. Actual returns of the fund will fluctuate (i.e. rise or fall) each year based on the past performance of the assets of the fund invests in. The
actual returns may even be below the projected rates or negative.
Presented by :
Date:
Version :
Page 2 of 16
Summary Illustration
End
of
Age
Policy
Year
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
Premium
Paid at the
Beginning
Year (RM)
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
3,120
3,120
3,120
3,120
3,120
3,120
3,120
3,120
3,120
3,120
3,120
3,120
3,120
3,120
3,120
3,120
3,120
3,120
3,120
3,120
3,120
3,120
3,120
3,120
3,120
3,120
3,120
3,120
3,120
570
Total
Loyalty
Premium Bonus
Outlay Credited
(RM)
3,120
6,240
9,360
12,480
15,600
18,720
21,840
24,960
28,080
31,200
34,320
37,440
40,560
43,680
46,800
49,920
53,040
56,160
59,280
62,400
65,520
68,640
71,760
74,880
78,000
81,120
84,240
87,360
90,480
91,050
0
0
0
0
0
0
0
0
0
156
0
0
156
0
0
156
0
0
156
0
0
156
0
0
156
0
0
156
0
0
Projected
Investment
Return
(Y%)
0
0
1
15
54
91
146
196
243
295
332
363
397
414
424
434
424
404
382
336
275
208
113
0
0
0
0
-
Projected
No Claims
Investment
Bonus
Return
Credited
(Y%)
240
0
556
0
1,093
0
1,834
0
3,061
0
4,216
0
5,572
0
6,832
0
7,991
0
9,188
0
10,142
0
10,974
0
11,824
0
12,399
0
12,837
0
13,277
0
13,405
0
13,322
0
13,175
0
12,687
0
11,951
0
11,120
0
9,916
0
8,419
0
6,537
0
4,014
0
1,028
0
0
0
0
Projected
Projected
Investment Investment
Return
Return
(Y%)
(X%)
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
-
Where " - " is shown in the above illustration, this indicates that the policy has ceased to be in-force under the respective projected investment returns.
Presented by :
Date:
Version :
Page 3 of 16
Non-Guaranteed
Projected Investment Return (X%)
Death Sum
Assured^ (RM)
Total
Cash
Value
(RM)
Total
Death
Benefit^
(RM)
Total
Death
Benefit^
(RM)
1
42
10,000
10,000
248
10,248
240
10,240
2
43
10,000
10,000
592
10,592
556
10,556
3
44
10,000
10,000
1,187
11,187
1,094
11,094
4
45
10,000
10,000
2,044
12,044
1,849
11,849
5
46
10,000
10,000
3,487
13,487
3,115
13,115
6
47
10,000
10,000
4,947
14,947
4,307
14,307
7
48
10,000
10,000
6,726
16,726
5,718
15,718
8
49
10,000
10,000
8,519
18,519
7,028
17,028
9
50
10,000
10,000
10,319
20,319
8,234
18,234
10
51
10,000
10,000
12,279
22,279
9,483
19,483
11
52
10,000
10,000
14,103
24,103
10,474
20,474
12
53
10,000
10,000
15,915
25,915
11,337
21,337
13
54
10,000
10,000
17,866
27,866
12,221
22,221
14
55
10,000
10,000
19,648
29,648
12,813
22,813
15
56
10,000
10,000
21,399
31,399
13,261
23,261
16
57
10,000
10,000
23,265
33,265
13,711
23,711
17
58
10,000
10,000
24,918
34,918
13,829
23,829
18
59
10,000
10,000
26,454
36,454
13,726
23,726
19
60
10,000
10,000
28,021
38,021
13,557
23,557
20
61
10,000
10,000
29,322
39,322
13,023
23,023
21
62
10,000
10,000
29,644
39,644
12,226
22,226
22
63
10,000
10,000
29,874
39,874
11,328
21,328
23
64
10,000
10,000
29,713
39,713
10,029
20,029
24
65
10,000
10,000
29,233
39,233
8,419
18,419
25
66
10,000
10,000
28,459
38,459
6,537
16,537
26
67
10,000
10,000
27,008
37,008
4,014
14,014
27
68
10,000
10,000
25,037
35,037
1,028
11,028
28
69
*10,000
*10,000
22,495
32,495
29
70
*10,000
*10,000
19,007
29,007
30
71
*10,000
*0
19,103
29,103
Where " - " is shown in the above illustration, this indicates that the policy has ceased to be in-force under the respective projected investment returns.
The Death Sum Assured and Total Death Benefit illustrated are not inclusive of PRUlife incomes sum assured. If PRUlife income is attached, its sum
assured will be payable as yearly income for 20 years.
**The amount is guaranteed payable as long as the policy is in force and there are positive values in the BUA, PUA and IUA. Please see column under
Total Cash Value.
^ Provided no critical illness claim has been made
* Only applicable for Projected Investment Return (X%) as the policy has ceased to be in-force under Projected Investment Return (Y%).
+Only applicable if PRUlifestyle saver is selected.
Presented by :
Date:
Version :
Page 4 of 16
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
BUA
83
104
124
145
187
187
207
207
207
207
207
207
207
207
207
207
207
207
207
207
207
207
207
207
207
207
207
207
207
147
PUA
1,165
1,456
1,748
2,039
2,621
2,621
2,913
2,913
2,913
2,913
2,913
2,913
2,913
2,913
2,913
2,913
2,913
2,913
2,913
2,913
2,913
2,913
2,913
2,913
2,913
2,913
2,913
2,913
2,913
423
IUA
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Direct
Distr.
Cost 2
(RM)
936
1,092
624
780
468
468
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1 This
represents a charge to your premium and is used to meet the direct distribution cost and company's expenses.
Cost directly attributed to the distribution channel for the sale/ marketing of this policy, i.e. payments to agent/ wealth planner. This cost is paid from
the charges that are imposed on your policy for services that the agent/ wealth planner will provide to you for the duration of your policy. The agent/
wealth planner may also entitle to production and persistency bonus during the first three years of the policy provided that the agent/ wealth planner
meets the qualifying criteria set by insurer.
Where - is shown in the above illustration, this indicates that the policy has cease to be in-force under the respective projected investment returns.
Presented by :
Date:
Version :
Page 5 of 16
Notes:
1. Premium Paid
Type of Fund
Projected
Investment
Return (X%)
First 20 years
After 20 years
Projected
Investment
Return (Y%)
This is the amount that you (the policyholder) pay for this policy. Please
take note that not all of the amount paid will be invested into the
investment-linked fund(s). Please refer to the explanation on unallocated
and allocated premium.
Equity Fund
9%
6.0%
2%
Managed Fund
8%
5.5%
3%
The BUA cash value is the balance unit value of all past allocated Linked
Premium (consists of Basic Assurance and Optional Benefit, if any) and
loyalty bonus** credited, less charge levied.
Bond Fund
7%
5.0%
4%
All Years
The X% and Y% returns above have been used respectively to represent the
range of possible returns of Investment-linked funds. The illustrated returns
The PUA cash value is the balance unit value of all past allocated Add-On are net after deduction of fund tax and the annual fund management charge.
It is emphasised that the X% and Y% assumptions are only for the purposes
Benefits premium and loyalty bonus** credited, less charges levied.
of illustration and do not represent the upper and lower limit of the actual rate
4. Investment Unit Account (IUA) Cash Value
that may occur.
The IUA is the balance unit value of all past allocated PRUsaver
Please refer to Appendix for Investment-linked Funds for more information
premium, and no claims bonus*** credited.
on the past actual annual investment returns of the investment-linked funds.
10.Allocated Premium
This is the amount that will be used to purchase units in the investmentlinked fund(s). Illustrated below is the premium allocation rate for a
benefit term of 20 years and above. For benefit term below 20 years,
the premium allocation rate will be scaled up proportionately. For
PRUsaver and top-ups, the premium allocation is 95%.
Example: Assuming your yearly combined premium for Basic Unit
Account (BUA) and Protection Unit Account (PUA) is RM1,200 and for
Investment Unit Account (IUA) is RM600, your premium allocation will
be as follows:
Policy Year
Allocated % 40%
Premium
RM 480
IUA
Premium
600
Allocated % 95%
Premium RM 570
5&6
7
& above
1,200
1,200
1,200
1,200
1,200
50%
60%
70%
90%
100%
600
720
840
1080
1200
600
600
600
600
600
95%
95%
95%
95%
95%
570
570
570
570
570
Presented by :
Date:
Version :
Page 6 of 16
12. Charges
Insurance Charges are deducted monthly from the value of your units
to pay for your insurance coverage. The insurance charge for insurance
coverage varies by the attained age, gender, occupational class, health
condition and smoking status. The insurance charges will increase as
you grow older.
The illustrated insurance and other charges are based on current levels.
They are not guaranteed and may be varied at policy anniversary by
giving a 90-day notice (30 days for medical benefits and hospitalisation
income benefits) except for Fund Management Charge that we may
change it from time to time.
Presented by :
Date:
Version :
Page 7 of 16
Presented by :
Date:
Version :
Page 8 of 16
Local Funds
FMC
1.5%
1.3%
0.5%
1.5%
1.3%
0.5%
FMC
Global Funds
PRUlink Asia property securities fund
PRUlink Asia managed fund
PRUlink Asia local bond fund
PRUlink global market navigator fund
PRUlink dragon peacock fund
PRUlink Asia equity fund
1.5%
1.35%
1.0%
1.15%*
1.5%
1.5%
2009
42.47%
44.94%
34.02%
36.46%
6.23%
2.55%
38.82%
43.03%
31.10%
34.93%
5.59%
2.55%
34.42%
25.70%
58.30%
57.09%
17.72%
6.28%
12.44%
2.55%
-
2010
21.45%
21.76%
18.50%
18.68%
5.67%
2.85%
18.14%
18.20%
15.79%
15.83%
5.78%
2.85%
11.57%
9.18%
4.73%
5.76%
3.67%
1.77%
-1.93%
2.85%
9.58%*
3.21%*
6.07%*
9.29%*
2011
3.98%
1.94%
4.04%
2.31%
5.45%
3.04%
8.01%
2.41%
7.31%
2.70%
5.18%
3.04%
-4.08%
-2.40%
-11.88%
-8.36%
6.44%
7.75%
-5.26%
3.04%
-25.11%
-25.75%
-19.21%
-14.73%
2012
12.33%
9.60%
10.48%
8.32%
4.51%
3.15%
15.11%
11.85%
12.92%
10.11%
5.34%
3.15%
33.59%
30.25%
13.39%
16.14%
6.11%
5.17%
9.40%
3.15%
16.46%
20.68%
15.65%
18.37%
2013
11.54%
11.39%
9.51%
9.75%
2.17%
3.15%
16.17%
13.29%
12.90%
11.26%
1.18%
3.15%
-0.73%
-0.81%
2.49%
9.27%
-1.52%
-0.66%
16.84%
3.15%
4.61%
7.81%
1.11%
10.77%
*Fund Performance is from fund launch date until year end of the same year (non- annualised return).
The benchmarks used for each funds are:
PE & PGE
FTSE Bursa Malaysia Top 100
PM2 & PGM 80% FBMT100 + 20% Maybank 12 month Tier 1 Fixed Deposit Rate
PF & PGB
Maybank 12 month Tier 1 Fixed Deposit Rate
HE
FTSE Bursa Malaysia Emas Shariah Index
HM2
80% FTSE Bursa Malaysia Emas Shariah Index + 20% 12 month Maybank Tier 1 Fixed Deposit Rate
HF
Maybank 12 month Tier 1 Fixed Deposit Rate
APS
MSCI AC Asia Pacific REIT**
AMF
70% MSCI Asia ex Japan Index + 30% JP Morgan Asia Credit Index
ALB
HSBC Customised Index Composite
GMN
Maybank 12 month Tier 1 Fixed Deposit Rate
DPF
50% MSCI China Index +50% MSCI India Index
ASF
MSCI Asia ex Japan Index
** The benchmark of PRUlink Asia property securities fund will be changed from "MSCI AC Asia Pacific REIT" to
"GPR - Customized Asia Pac (Ex-Japan) Property Index" effective from 2 January 2013. The performance of the new benchmark will be tracked
thereafter.
Unit Pricing
Unit pricing is done daily.
Unit price is calculated based on the market value of the underlying assets of the fund, divided by the number of units issued.
The investment-linked funds do not pay any dividend. All investment incomes and capital gains are automatically rolled up in its unit price.
Unit price is the single price at which units are created and cancelled.
Forward Pricing
Units are created and/or cancelled at the next pricing date following receipt of premium or notification of claim/withdrawal.
Presented by :
Date:
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Page 9 of 16
Conditions:
Total and Permanent Disability
In the event of total and permanent disability before age 70, one lump sum payable under all policies with us on any one life is up to RM1
million. Any excess will be paid on the anniversary of the disability subject to proof of continued disability. Upon earlier death, the balance
shall be payable. The maximum payable under all policies on any one life is RM4 million plus bonuses (if any).
Total and permanent disability shall means:
-while aged sixteen (16) years but below the age of sixty-one (61) years
(a) becomes permanently and completely unable to engage in any occupation and is permanently and completely unable to perform any
work for remuneration or profit; or
(b) totally and irrecoverably loses sight in both eyes; or
(c) totally and irrecoverably loses by severance one limb each at or above his wrist and ankle, or two limbs at or above his wrist or ankle;
or
(d) totally and irrecoverably loses sight in one eye and totally and irrecoverably loses by severance one limb at or above the wrist or
ankle.
-while aged sixty one (61) years but below the age of seventy (70) years, the Life assured/Assured/Spouse shall mean confirmation by a
Consultant Physician of the loss of independent existence lasting for a minimum period of 6 months and resulting in a permanent inability
to perform at least three (3) of the following Activities of Daily Living either with or without the use of mechanical equipment, special
devices or other aids and adaptations in use for disabled persons. For the purpose of this benefit, the word "permanent", shall mean
beyond the hope of recovery with current medical knowledge and technology.
(a) Transfer
(b) Dressing
(c) Mobility
(d) Bathing/Washing
(e) Eating
(f) Continence
Exclusions
Death
If it is a suicide within the first year from the commencement date of the policy or date of policy revival, we shall pay the sum of
value of units at the valuation date after the date of notification.
Total & Permanent Disability
No benefit is paid if the disability is directly or indirectly caused by
a) any attempted suicide or self-inflicted injury whether attempted/inflicted while sane or insane; or
b) any traveling in an aircraft other than as a pilot or a member of a crew or a fare paying passenger in a commercial aircraft licensed for
passenger service on scheduled flights over established routes only; or
c) any participation in any aerial sporting activities such as hang-gliding, ballooning, parachuting, sky-diving, bungee jumping and other such
similar activities
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Page 10 of 16
AIDS
Aplastic Anaemia
Appalic Syndrome
Alzheimer's Disease
Benign Brain Tumour
Blindness
Brain Surgery
Cancer
Cardiomyopathy
Chronic Liver Disease
11)
12)
13)
14)
15)
16)
17)
18)
19)
20)
21)
22)
23)
24)
25)
26)
27)
28)
29)
Loss of Independent
Existence
Major Burns
Major Head Trauma
Major Organ Transplant
Medullary Cystic Disease
Meningitis
Motor Neurone Disease
Multiple Sclerosis
Muscular Dystrophy
30)
31)
32)
33)
34)
35)
36)
Paralysis
Parkinson's Disease
Poliomyelitis
Primary Pulmonary Arterial
Hypertension
Stroke
Surgery to Aorta
SLE with Lupus Nephritis
For conditions for Death and Total & Permanent Disability, please refer to Appendix for Death and Total & Permanent Disability Benefit.
Exclusions
Critical Illness
Critical illness benefit is not paid for
a) symptoms of illness occur prior to or within 30 days after the policy has commenced, except for Cancer, Heart Attack and
Coronary Artery Disease in which 60 days waiting period applies.
b) Illness is directly or indirectly caused by the existence of AIDS or the presence of any HIV infection, except for "AIDS due to
blood transfusion" and "Full blown AIDS".
c) Illness arises directly or indirectly from pre-existing illnesses.
For exclusion of Death and Total & Permanent Disability, please refer to Appendix for Death and Total & Permanent Disability
Other Policy Conditions
a)
Waiting Period
Critical illness benefits under the policy will only start 60 days after the effective date of the policy for heart attack, coronary artery disease and
cancer and 30 days for all other illnesses.
b)
Presented by :
Date:
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Page 11 of 16
Benefit
i)Compassionate Benefit
a) Natural death
b) Accidental death
c) Accidental death in overseas
RM 2,000
RM 4,000
RM 6,000
Up to 100%
Up to 200%
NA
NA
NA
NA
RM 50 per week
RM 50 per day
% of Sum Assured
100%
100%
100%
100%
100%
100%
100%
100%
50%
50%
50%
70%
40%
30%
15%
10%
7.5%
5%
3%
2%
15%
5%
2%
2%
10%
7.5%
75%
15%
6%
3%
Exclusions
Accident benefits are not paid as a consequence of:
(a) war, invasion, act of foreign enemy, hostilities (whether war be declared
or not), civil war, rebellion, revolution, insurrection, military or usurped
power, direct participation in riot, strike or civil commotion;
(b) violation or attempted violation of the law or resistance to arrest;
(c) attempted suicide or self-inflicted injuries while sane or insane;
(d) pregnancy, childbirth, miscarriage or any complications;
(e) pre-existing physical or mental defect or infirmity;
(f) alcoholic intoxication;
(g) engaging in or taking part in professional sports, scuba diving, racing of
any kind, aerial flights (including bungee jumping, hang-gliding,
ballooning, parachuting and sky-diving) other than as a crew member of
or as a fare-paying passenger on a licensed passenger- carrying
commercial aircraft operating on a regular scheduled route or any
hazardous activities or sports, unless agreed to by special endorsement;
(h) narcotic or drug unless taken as prescribed by a qualified registered
medical practitioner;
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Page 12 of 16
a) Hospital Daily Room & Board Allowance (120 days per year)
RM100
As Charged
As Charged
RM1,000
Page 13 of 16
ii) Waiting Period: Cover begins immediately on acceptance, for hospitalisation caused by accidents but it only begins 120 days after acceptance
for specified illness and 30 days for any other causes.
iii) Change in Occupation, Avocation & Sports: You must inform us if there is any change of occupation, business or personal pursuits because it
may affect the premiums, terms, conditions and benefits of the products.
iv) Non-guaranteed Premium/Insurance Charge: We reserve the right to increase the premium/insurance charge at policy anniversary by
giving 30 days notice.
Presented by :
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Page 14 of 16
100 days
NA
NA
NA
NA
1. Hospitalisation Benefit
Daily hospitalisation benefit aimed at covering expenses incurred
when hospitalized. This includes accommodation and related costs.
2. Intensive Care Benefit
This amount is paid in addition of Hospitalisation Benefit as
confinement in Intensive Care Unit costs significantly more than a
normal hospital stay.
3. Surgical Procedure Benefit
The cost of undergoing a surgical procedure is not limited to the cost of
the medical practitioner performing the procedure. The costs include
related costs such as medication, theatre fees, anaesthetics and so on.
This benefit is aimed at a level commensurate with these costs and
when added to the hospital benefit, gives an amount appropriate to the
costs incurred in total.
Every surgical procedure has been rated according to the severity of
cost of the procedure. A lump sum benefit is paid depending on the
rating of the procedure. The lowest severity rating is 1 and the highest
is 7. Please refer to your policy document for list of procedures covered
and their severity ratings
Exclusions
Hospitalisation Income Benefits are not paid as a consequence of:
(a) Routine medical examinations or consultations.
(b) Cosmetic or plastic surgery, dental care and treatment, organ and tissue donation, gender transformations or exploratory or experimental
surgery or any abortion performed due to procedures other than medical procedures necessitated by accidental injury, surgery or illness.
(c) Treatment or procedures relating to pregnancy or childbirth.
(d) Tests or treatment related to infertility, contraception, sterilisation, birth defects, congenital illnesses, hereditary conditions, circumcision or any
abortion performed due to psychological or social reasons and consequence.
(e) Treatment of mental illness and psychiatric disorders, self-inflicted injury while sane or insane, attempted suicide, abuse of alcohol and drug
addiction and abuse.
(f) Any treatment or test in connection with AIDS , the presence of HIV infection and all sexually transmitted diseases.
(g) Any injury or sickness arising from professional sports, scuba diving, racing of any kind, aerial flights (including bungee jumping, hang-gliding,
ballooning, parachuting and sky-diving) other than as a crew member of or as a fare - paying passenger on a licensed passenger - carrying
commercial aircraft operating on a regular scheduled route or any hazardous activities or sports, unless agreed to by special endorsement.
(h) War, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or
usurped power, direct participation in riot, strike or civil commotion.
(i) Any violation or attempted violation of the law or resistance to arrest.
(j) Any illness or condition (no matter when arising) in respect of which medical advice or treatment was received or recommended by a medical
practitioner within the 2 years preceding the issue date and which was not disclosed in the application for the contract.
Other Policy Conditions
i) Waiting Period: Cover begins immediately on acceptance, for hospitalisation caused by accidents but it only begins 30 days after
acceptance for any other causes.
ii) Change in Occupation, Avocation & Sports: You must inform us if there is any change of occupation, business or personal pursuits
because it may affect the premiums, terms, conditions and benefits of the products.
iii) Non-guaranteed Premium/Insurance Charge: We reserve the right to increase the premium/insurance charge policy
anniversary by giving 30 days written notice.
Presented by :
Date:
Version :
Page 15 of 16
Presented by :
Date:
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Page 16 of 16