Quotation for Plan Type Client Name
· · ·
: 0281 SmartProtect Essential Insurance 2 : Regular Premium Investment-Linked Insurance Plan : MR RAMACHANDRAN
Gender Smoker Age Next Birthday Occupation Cl Class Premium Mode
: Male : No : 24 :3 : Monthly
Smar SmartP tPro rote tect ct Esse Essent ntia iall Insur Insuran ance ce 2 is a reg regul ular ar prem premiu ium m inves investm tmen entt-lin linke ked d insur insuran ance ce poli policy cy with with acce access ss to pro profe fess ssio iona nall lly y managed Unit Funds with the benefit of insurance coverage. Prem Premiu iums ms pai paid d are are use used d to purc purcha hase se uni units ts in in the the Uni Unitt Fund Fund(s (s). ). The The p pol olic icy y value value of thi this s plan plan wil willl vary vary dire direct ctly ly wit with h the the performance of the Unit Fund(s). This This pla plan n prov provide ides s you bene benefi fits ts in in the the even eventt of dea death th or or Tota Totall and and Perm Perman anen entt Di Disa sabi bili lity ty (TP (TPD) D).. In add addit itio ion, n, thi this s plan plan als also o give give you 1% additional sum assured every year at no cost, which will be payable in the event of death or TPD, subject to relevant terms and conditions.
Basic Annual Premium #
75
50,000
1,820.40
0%
0 .0 0
0 .0 0
1 5 1 .7 0
U30 CIBR U66 SM150
75 56
30,000 150
0.00 0.00
0% 0%
0 .0 0 0 .0 0
0 .0 0 0 .0 0
0 .0 0 0 .0 0
U72 IL-ADD U78 IL-WPP
46 75
30,000 1,800
0.00 0.00
0% 0%
0 .0 0 0 .0 0
0 .0 0 0 .0 0
0 .0 0 0 .0 0
Unit deduction rider(s)
^ Please add 5% service tax for premium payable by Business Organisation. # Basic Annual Premium comprises Insurance Premium and Balancer (if any). Balancer is the regular premium in excess of the Insurance Premium. For unit deduction rider(s), the coverage for these riders is paid from the Basic Annual Premium.
· ·
·
·
Since Since only only 43% 43% of the the Insu Insuran rance ce Prem Premium ium for the the firs firstt two two policy policy year years s is used used to to purcha purchase se units units,, while while 95% 95% of Top-Up Top-Ups s is used used to purchase units, you can · Minimum Minimum Basic Annual Premium Premium Required* Required* : RM1,200.00 RM1,200.00 · Minimum Minimum Single Single Premium Premium Top-Ups Top-Ups Allowed* Allowed* : RM1,000.00 RM1,000.00 * This is the minimum amount that you can purchase. Please note that the amount purchased may be subject to further adjustments in accordance to regulatory guidelines. Theref Therefore ore,, if your your purcha purchase se invol involves ves a premiu premium m of size sizeabl able e amoun amountt say RM 5,00 5,000 0 an and d above, above, you you shoul should d consid consider er purc purchas hasing ing a single premium investment-linked insurance policy (rather than a regular premium policy) as single premium plans offer better allocation rates for investment. However, please take note that single premium plans may not offer as much insurance protection as regular premium plans and may have less riders attachable. Your Your invest investmen ment-l t-link inked ed insur insuranc ance e policy policy will will laps lapse e / termi terminat nate e if ther there e is not not enoug enough h un units its in in your your fund(s fund(s)) to pay pay the the charg charges. es. Your units may be not enough over the years due to:· High insurance insurance charges charges if you buy too much coverage coverage (i.e high Basic Basic Sum Assured Assured or too many riders), riders), and especially especially if the charges are increasing over time as you get older · Poor Poor inve invest stme ment nt retu return rns s · Premium Premium holiday holiday - i.e. if you stop paying paying premiums premiums for for a long period period of time
*You should ask your agent to explain to you about the insurance charges and its effect on your future insurance coverage. · ·
intended based on illustration below. The The pro proje ject cted ed inve invest stme ment nt retur eturns ns used used belo below w are are chosen Unit Fund(s). They are
for the investment and not meant to show possible returns of your
· ·
MANIVANNAN A/L GANESAN / 5795225 / (GELSIS-5.20)
Page 2 of 40
Quotation for Plan Type Client Name
· · ·
: 0281 SmartProtect Essential Insurance 2 : Regular Premium Investment-Linked Insurance Plan : MR RAMACHANDRAN
Gender Smoker Age Next Birthday Occupation Cl Class Premium Mode
: Male : No : 24 :3 : Monthly
Smar SmartP tPro rote tect ct Esse Essent ntia iall Insur Insuran ance ce 2 is a reg regul ular ar prem premiu ium m inves investm tmen entt-lin linke ked d insur insuran ance ce poli policy cy with with acce access ss to pro profe fess ssio iona nall lly y managed Unit Funds with the benefit of insurance coverage. Prem Premiu iums ms pai paid d are are use used d to purc purcha hase se uni units ts in in the the Uni Unitt Fund Fund(s (s). ). The The p pol olic icy y value value of thi this s plan plan wil willl vary vary dire direct ctly ly wit with h the the performance of the Unit Fund(s). This This pla plan n prov provide ides s you bene benefi fits ts in in the the even eventt of dea death th or or Tota Totall and and Perm Perman anen entt Di Disa sabi bili lity ty (TP (TPD) D).. In add addit itio ion, n, thi this s plan plan als also o give give you 1% additional sum assured every year at no cost, which will be payable in the event of death or TPD, subject to relevant terms and conditions.
Basic Annual Premium #
75
50,000
1,820.40
0%
0 .0 0
0 .0 0
1 5 1 .7 0
U30 CIBR U66 SM150
75 56
30,000 150
0.00 0.00
0% 0%
0 .0 0 0 .0 0
0 .0 0 0 .0 0
0 .0 0 0 .0 0
U72 IL-ADD U78 IL-WPP
46 75
30,000 1,800
0.00 0.00
0% 0%
0 .0 0 0 .0 0
0 .0 0 0 .0 0
0 .0 0 0 .0 0
Unit deduction rider(s)
^ Please add 5% service tax for premium payable by Business Organisation. # Basic Annual Premium comprises Insurance Premium and Balancer (if any). Balancer is the regular premium in excess of the Insurance Premium. For unit deduction rider(s), the coverage for these riders is paid from the Basic Annual Premium.
· ·
·
·
Since Since only only 43% 43% of the the Insu Insuran rance ce Prem Premium ium for the the firs firstt two two policy policy year years s is used used to to purcha purchase se units units,, while while 95% 95% of Top-Up Top-Ups s is used used to purchase units, you can · Minimum Minimum Basic Annual Premium Premium Required* Required* : RM1,200.00 RM1,200.00 · Minimum Minimum Single Single Premium Premium Top-Ups Top-Ups Allowed* Allowed* : RM1,000.00 RM1,000.00 * This is the minimum amount that you can purchase. Please note that the amount purchased may be subject to further adjustments in accordance to regulatory guidelines. Theref Therefore ore,, if your your purcha purchase se invol involves ves a premiu premium m of size sizeabl able e amoun amountt say RM 5,00 5,000 0 an and d above, above, you you shoul should d consid consider er purc purchas hasing ing a single premium investment-linked insurance policy (rather than a regular premium policy) as single premium plans offer better allocation rates for investment. However, please take note that single premium plans may not offer as much insurance protection as regular premium plans and may have less riders attachable. Your Your invest investmen ment-l t-link inked ed insur insuranc ance e policy policy will will laps lapse e / termi terminat nate e if ther there e is not not enoug enough h un units its in in your your fund(s fund(s)) to pay pay the the charg charges. es. Your units may be not enough over the years due to:· High insurance insurance charges charges if you buy too much coverage coverage (i.e high Basic Basic Sum Assured Assured or too many riders), riders), and especially especially if the charges are increasing over time as you get older · Poor Poor inve invest stme ment nt retu return rns s · Premium Premium holiday holiday - i.e. if you stop paying paying premiums premiums for for a long period period of time
*You should ask your agent to explain to you about the insurance charges and its effect on your future insurance coverage. · ·
intended based on illustration below. The The pro proje ject cted ed inve invest stme ment nt retur eturns ns used used belo below w are are chosen Unit Fund(s). They are
for the investment and not meant to show possible returns of your
· ·
MANIVANNAN A/L GANESAN / 5795225 / (GELSIS-5.20)
Page 2 of 40
Investment Strategy Selected Investment Horizon ·
·
: 21 Dynamic ^ : 75 Years
Your Your Inves Investme tment nt Stra Strateg tegy y is dete determi rmined ned afte afterr follow following ing thro through ugh the the steps steps as as in the the 5-ste 5-step p Guide Guide to to choosi choosing ng the the right right investment strategy. Investors are broadly classified to 6 categories based on their risk aptitude, ranging from very secure type of investor to very dynamic type of investor. Besides the standard strategies, you can also choose your own Investment Strategy that best suits your risk profile. You shou should ld satisf satisfy y yourse yourself lf that that the the Inves Investme tment nt Hori Horizon zon sele selecte cted d is reas reasona onable ble in in achiev achieving ing your your fina financi ncial al goal. goal.
F1
Lion Balanced Fund
8%
5.50%
3%
F4
Lion Fixed Income Fund
7%
5.00%
4%
F5
Lion Progressive Fund
8%
5.50%
3%
F6
Dana Sejati
7%
5.00%
4%
F9
Lion Strategic Fund
8%
5.50%
3%
F17 Lion Enhanced Equity Fund
9%
6.00%
2%
F18 Dana Gemilang
9%
6.00%
2%
1
70
20%
80%
71
71
40%
60%
72
72
60%
40%
73
73
70%
30%
74
74
80%
20%
75
75
90%
10%
1
20
21 30 ^Please refer to Important Notes for your investment profile. #Before deduction for tax and fund management charge
MANIVANNAN A/L GANESAN / 5795225 / (GELSIS-5.20)
8.60
2.40
5.80
2.40
Page 3 of 40
1
25
1,820.40
86
50,086
84
50,084
30,000
150
30,000
1,800
2
26
3,640.80
179
50,679
169
50,669
30,000
150
31,500
1,800
3
27
5,461.20
881
51,881
840
51,840
30,000
150
33,000
1,800
4
28
7,281.60
1,628
53,128
1,516
53,016
30,000
150
34,500
1,800
5
29
9,102.00
2,572
54,572
2,342
54,342
30,000
150
36,000
1,800
6
30
10,922.40
3,577
56,077
3,173
55,673
30,000
150
37,500
1,800
7
31
12,742.80
4,930
57,930
4,286
57,286
30,000
150
39,000
1,800
8
32
14,563.20
6,371
59,871
5,407
58,907
30,000
150
40,500
1,800
9
33
16,383.60
7,905
61,905
6,536
60,536
30,000
150
42,000
1,800
10
34
18,204.00
9,537
64,037
7,671
62,171
30,000
150
43,500
1,800
11
35
20,024.40
11,272
66,272
8,812
63,812
30,000
150
45,000
1,800
12
36
21,844.80
13,118
68,618
9,961
65,461
30,000
150
45,000
1,800
13
37
23,665.20
15,057
71,057
11,092
67,092
30,000
150
45,000
1,800
14
38
25,485.60
17,113
73,613
12,221
68,721
30,000
150
45,000
1,800
15
39
27,306.00
19,291
76,291
13,348
70,348
30,000
150
45,000
1,800
16
40
29,126.40
21,600
79,100
14,472
71,972
30,000
150
45,000
1,800
17
41
30,946.80
24,038
82,038
15,584
73,584
30,000
150
45,000
1,800
18
42
32,767.20
26,516
85,016
16,587
75,087
30,000
150
45,000
1,800
19
43
34,587.60
29,131
88,131
17,574
76,574
30,000
150
45,000
1,800
20
44
36,408.00
31,890
91,390
18,542
78,042
30,000
150
45,000
1,800
21
45
38,228.40
33,969
93,969
19,489
79,489
30,000
150
45,000
1,800
22
46
40,048.80
36,093
96,593
20,407
80,907
30,000
150
45,000
1,800
23
47
41,869.20
38,166
99,166
21,198
82,198
30,000
150
45,000
1,800
24
48
43,689.60
40,279
101,779
21,954
83,454
30,000
150
45,000
1,800
25
49
45,510.00
42,427
104,427
22,667
84,667
30,000
150
45,000
1,800
26
50
47,330.40
44,610
107,110
23,336
85,836
30,000
150
45,000
1,800
27
51
49,150.80
46,823
109,823
23,953
86,953
30,000
150
45,000
1,800
28
52
50,971.20
48,604
112,104
24,063
87,563
30,000
150
45,000
1,800
29
53
52,791.60
50,389
114,389
24,108
88,108
30,000
150
45,000
1,800
30
54
54,612.00
52,176
116,676
24,084
88,584
30,000
150
45,000
1,800
# Details on Weighted Projected Investment Return of X% and Y% are available in the previous page. NOTES: -
1. CIBR :Critical Illness Benefit Rider S M1 5 0 :SmartMedic 150 IL-ADD :IL Accidental Death and Dismemberment Benefits Rider IL-WPP :IL Waiver of Premium Plus Rider 2.Benefit(s) under the rider(s) is payable only if the basic plan and the rider(s) are in force. 3.This illustration must be read in accordance with the full notes as appeared in the section on Important Notes. 4.All figures presented are in RM. (E&OE) MANIVANNAN A/L GANESAN / 5795225 / (GELSIS-5.20)
Page 4 of 40
1
25
1,820.40
1,037.63
782.77
50,000
0
66.96
559.80
72
0
0
86
84
50,086
50,084
637.14
2
26
1,820.40
1,037.63
782.77
50,000
500
66.96
560.16
72
1
1
179
169
50,679
50,669
637.14
3
27
1,820.40
436.90
1,383.50
50,000
1,000
66.96
578.04
72
6
6
881
840
51,881
51,840
455.10
4
28
1,820.40
436.90
1,383.50
50,000
1,500
66.96
579.24
72
15
15
1,628
1,516
53,128
53,016
455.10
5
29
1,820.40
273.06
1,547.34
50,000
2,000
66.96
600.84
72
25
25
2,572
2,342
54,572
54,342
273.06
6
30
1,820.40
273.06
1,547.34
50,000
2,500
66.96
601.92
72
37
35
3,577
3,173
56,077
55,673
273.06
7
31
1,820.40
0.00
1,820.40
50,000
3,000
66.96
603.12
72
52
48
4,930
4,286
57,930
57,286
0.00
8
32
1,820.40
0.00
1,820.40
50,000
3,500
66.96
604.32
72
69
62
6,371
5,407
59,871
58,907
0.00
9
33
1,820.40
0.00
1,820.40
50,000
4,000
66.96
607.08
72
87
77
7,905
6,536
61,905
60,536
0.00
10
34
1,820.40
0.00
1,820.40
50,000
4,500
66.96
610.80
72
106
91
9,537
7,671
64,037
62,171
0.00
11
35
1,820.40
0.00
1,820.40
50,000
5,000
66.96
614.88
72
126
106
11,272
8,812
66,272
63,812
0.00
12
36
1,820.40
0.00
1,820.40
50,000
5,500
66.96
618.00
72
148
120
13,118
9,961
68,618
65,461
0.00
13
37
1,820.40
0.00
1,820.40
50,000
6,000
66.96
646.20
72
171
135
15,057
11,092
71,057
67,092
0.00
14
38
1,820.40
0.00
1,820.40
50,000
6,500
72.48
652.20
72
195
149
17,113
12,221
73,613
68,721
0.00
15
39
1,820.40
0.00
1,820.40
50,000
7,000
77.52
659.88
72
221
164
19,291
13,348
76,291
70,348
0.00
16
40
1,820.40
0.00
1,820.40
50,000
7,500
83.52
667.63
72
248
178
21,600
14,472
79,100
71,972
0.00
17
41
1,820.40
0.00
1,820.40
50,000
8,000
90.48
682.12
72
277
193
24,038
15,584
82,038
73,584
0.00
18
42
1,820.40
0.00
1,820.40
50,000
8,500
99.00
791.93
72
307
206
26,516
16,587
85,016
75,087
0.00
19
43
1,820.40
0.00
1,820.40
50,000
9,000
108.96
806.85
72
338
219
29,131
17,574
88,131
76,574
0.00
20
44
1,820.40
0.00
1,820.40
50,000
9,500
121.44
822.44
72
371
231
31,890
18,542
91,390
78,042
0.00
21
45
1,820.40
0.00
1,820.40
50,000
10,000
136.44
836.96
72
410
244
33,969
19,489
93,969
79,489
0.00
22
46
1,820.40
0.00
1,820.40
50,000
10,500
153.96
857.41
72
436
255
36,093
20,407
96,593
80,907
0.00
23
47
1,820.40
0.00
1,820.40
50,000
11,000
173.04
972.44
72
462
266
38,166
21,198
99,166
82,198
0.00
24
48
1,820.40
0.00
1,820.40
50,000
11,500
194.04
993.87
72
488
276
40,279
21,954
101,779
83,454
0.00
25
49
1,820.40
0.00
1,820.40
50,000
12,000
217.44
1,019.52
72
514
286
42,427
22,667
104,427
84,667
0.00
26
50
1,820.40
0.00
1,820.40
50,000
12,500
242.04
1,045.61
72
541
294
44,610
23,336
107,110
85,836
0.00
27
51
1,820.40
0.00
1,820.40
50,000
13,000
268.44
1,076.50
72
569
303
46,823
23,953
109,823
86,953
0.00
28
52
1,820.40
0.00
1,820.40
50,000
13,500
297.96
1,557.40
72
593
307
48,604
24,063
112,104
87,563
0.00
29
53
1,820.40
0.00
1,820.40
50,000
14,000
330.48
1,590.81
72
615
308
50,389
24,108
114,389
88,108
0.00
30
54
1,820.40
0.00
1,820.40
50,000
14,500
366.48
1,623.30
72
638
308
52,176
24,084
116,676
88,584
0.00
# Details on Weighted Projected Investment Return of X% and Y% are available in an earlier page. 1. This represents a charge to your premium and is used to meet the direct distribution cost and Company's expenses. 2. Cost directly attributable to the distribution channel for the marketing of this policy, i.e. payments to your agent. This cost is paid from the charges that are imposed on your policy for services that your agent will provide to you for the duration of your policy. Note also that production bonus (5% of the first year premium) and persistency bonus (5% of the second year premium) are payable provided your agent meets the qualifying criteria set by the Company. NOTES: 1.The projected benefits shown above are for illustration purpose only and are NOT GUARANTEED. 2.The value of the Unit Fund(s) may fall below the amount of premiums paid, depending on the performance of the underlying assets. MANIVANNAN A/L GANESAN / 5795225 / (GELSIS-5.20)
Page 5 of 40
1
25
1,820.40
1,037.63
782.77
50,000
0
66.96
559.80
72
0
0
86
84
50,086
50,084
637.14
2
26
1,820.40
1,037.63
782.77
50,000
500
66.96
560.16
72
1
1
179
169
50,679
50,669
637.14
3
27
1,820.40
436.90
1,383.50
50,000
1,000
66.96
578.04
72
6
6
881
840
51,881
51,840
455.10
4
28
1,820.40
436.90
1,383.50
50,000
1,500
66.96
579.24
72
15
15
1,628
1,516
53,128
53,016
455.10
5
29
1,820.40
273.06
1,547.34
50,000
2,000
66.96
600.84
72
25
25
2,572
2,342
54,572
54,342
273.06
6
30
1,820.40
273.06
1,547.34
50,000
2,500
66.96
601.92
72
37
35
3,577
3,173
56,077
55,673
273.06
7
31
1,820.40
0.00
1,820.40
50,000
3,000
66.96
603.12
72
52
48
4,930
4,286
57,930
57,286
0.00
8
32
1,820.40
0.00
1,820.40
50,000
3,500
66.96
604.32
72
69
62
6,371
5,407
59,871
58,907
0.00
9
33
1,820.40
0.00
1,820.40
50,000
4,000
66.96
607.08
72
87
77
7,905
6,536
61,905
60,536
0.00
10
34
1,820.40
0.00
1,820.40
50,000
4,500
66.96
610.80
72
106
91
9,537
7,671
64,037
62,171
0.00
11
35
1,820.40
0.00
1,820.40
50,000
5,000
66.96
614.88
72
126
106
11,272
8,812
66,272
63,812
0.00
12
36
1,820.40
0.00
1,820.40
50,000
5,500
66.96
618.00
72
148
120
13,118
9,961
68,618
65,461
0.00
13
37
1,820.40
0.00
1,820.40
50,000
6,000
66.96
646.20
72
171
135
15,057
11,092
71,057
67,092
0.00
14
38
1,820.40
0.00
1,820.40
50,000
6,500
72.48
652.20
72
195
149
17,113
12,221
73,613
68,721
0.00
15
39
1,820.40
0.00
1,820.40
50,000
7,000
77.52
659.88
72
221
164
19,291
13,348
76,291
70,348
0.00
16
40
1,820.40
0.00
1,820.40
50,000
7,500
83.52
667.63
72
248
178
21,600
14,472
79,100
71,972
0.00
17
41
1,820.40
0.00
1,820.40
50,000
8,000
90.48
682.12
72
277
193
24,038
15,584
82,038
73,584
0.00
18
42
1,820.40
0.00
1,820.40
50,000
8,500
99.00
791.93
72
307
206
26,516
16,587
85,016
75,087
0.00
19
43
1,820.40
0.00
1,820.40
50,000
9,000
108.96
806.85
72
338
219
29,131
17,574
88,131
76,574
0.00
20
44
1,820.40
0.00
1,820.40
50,000
9,500
121.44
822.44
72
371
231
31,890
18,542
91,390
78,042
0.00
21
45
1,820.40
0.00
1,820.40
50,000
10,000
136.44
836.96
72
410
244
33,969
19,489
93,969
79,489
0.00
22
46
1,820.40
0.00
1,820.40
50,000
10,500
153.96
857.41
72
436
255
36,093
20,407
96,593
80,907
0.00
23
47
1,820.40
0.00
1,820.40
50,000
11,000
173.04
972.44
72
462
266
38,166
21,198
99,166
82,198
0.00
24
48
1,820.40
0.00
1,820.40
50,000
11,500
194.04
993.87
72
488
276
40,279
21,954
101,779
83,454
0.00
25
49
1,820.40
0.00
1,820.40
50,000
12,000
217.44
1,019.52
72
514
286
42,427
22,667
104,427
84,667
0.00
26
50
1,820.40
0.00
1,820.40
50,000
12,500
242.04
1,045.61
72
541
294
44,610
23,336
107,110
85,836
0.00
27
51
1,820.40
0.00
1,820.40
50,000
13,000
268.44
1,076.50
72
569
303
46,823
23,953
109,823
86,953
0.00
28
52
1,820.40
0.00
1,820.40
50,000
13,500
297.96
1,557.40
72
593
307
48,604
24,063
112,104
87,563
0.00
29
53
1,820.40
0.00
1,820.40
50,000
14,000
330.48
1,590.81
72
615
308
50,389
24,108
114,389
88,108
0.00
30
54
1,820.40
0.00
1,820.40
50,000
14,500
366.48
1,623.30
72
638
308
52,176
24,084
116,676
88,584
0.00
# Details on Weighted Projected Investment Return of X% and Y% are available in an earlier page. 1. This represents a charge to your premium and is used to meet the direct distribution cost and Company's expenses. 2. Cost directly attributable to the distribution channel for the marketing of this policy, i.e. payments to your agent. This cost is paid from the charges that are imposed on your policy for services that your agent will provide to you for the duration of your policy. Note also that production bonus (5% of the first year premium) and persistency bonus (5% of the second year premium) are payable provided your agent meets the qualifying criteria set by the Company. NOTES: 1.The projected benefits shown above are for illustration purpose only and are NOT GUARANTEED. 2.The value of the Unit Fund(s) may fall below the amount of premiums paid, depending on the performance of the underlying assets. MANIVANNAN A/L GANESAN / 5795225 / (GELSIS-5.20)
Page 5 of 40
3.Past actual performance is NOT a guide to future performance which may be different. 4.The illustrated life insurance charges and other charges are based on current levels. These may be varied from time to time. 5.Where "N/A" is shown in the above illustration, this indicates that there is no insurance charges and benefit coverage for the rider(s). 6. Where "-" is shown in the above illustration, this indicates that the policy has lapsed under the projected investment returns of X% and Y% respectively, as indicated in the respective column headers. As a result, this means that all forms of benefits (cash value, death benefit, etc) will not be applicable. Where columns do not mention whether X% or Y% applies, the projected lapse of the policy is based on the projected investment return of Y%. Please note that these outcomes are based on the assumed investment returns, premiums paid and charges. The benefits may vary, and the policy may lapse earlier or later depending on actual investment returns, premiums paid and charges 7.This illustration must be read in accordance with the full notes as appeared in the section on Important Notes. 8.All figures presented are in RM. (E&OE)
MANIVANNAN A/L GANESAN / 5795225 / (GELSIS-5.20)
Page 6 of 40
3.Past actual performance is NOT a guide to future performance which may be different. 4.The illustrated life insurance charges and other charges are based on current levels. These may be varied from time to time. 5.Where "N/A" is shown in the above illustration, this indicates that there is no insurance charges and benefit coverage for the rider(s). 6. Where "-" is shown in the above illustration, this indicates that the policy has lapsed under the projected investment returns of X% and Y% respectively, as indicated in the respective column headers. As a result, this means that all forms of benefits (cash value, death benefit, etc) will not be applicable. Where columns do not mention whether X% or Y% applies, the projected lapse of the policy is based on the projected investment return of Y%. Please note that these outcomes are based on the assumed investment returns, premiums paid and charges. The benefits may vary, and the policy may lapse earlier or later depending on actual investment returns, premiums paid and charges 7.This illustration must be read in accordance with the full notes as appeared in the section on Important Notes. 8.All figures presented are in RM. (E&OE)
MANIVANNAN A/L GANESAN / 5795225 / (GELSIS-5.20)
· · · ·
Page 6 of 40
The information set out below forms part of your Sales Illustration. Great Eastern Life Assurance (Malaysia) Bhd ("Company") believes it is important that you fully appreciate all the benefits under your policy and that you also understand how the cost of the insurance protection, distribution, administration, investment and other costs affect these benefits. You should satisfy yourself that the plan serves your needs and that you can afford the premium. If you need clarification, please contact us or your agent. Buying a regular premium life insurance policy 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.
·
· · ·
· ·
as shown in earlier pages. These rates of returns are used purely for illustration purposes only, and do not represent the upper and lower limit of the actual rate that may occur. The illustrated returns shown have been used to represent the range of possible returns based on your Investment Strategy and Investment Horizon. The performance of the Unit Fund(s) is NOT GUARANTEED and the values of the Unit Fund(s) may fall below the amount of premiums paid, depending on the performance of the underlying assets of the Unit Fund(s). The actual benefits payable will depend on the actual performance of the underlying assets of the Unit Fund(s) and the actual returns may be less or more than the values illustrated. The investment risks under the policy are to be borne solely by the policy owner. The policy owners must be aware that the unit prices may fall as well as rise. Below is the historical actual annual investment returns of the Unit Fund(s) compared with the selected benchmark indices for the Unit Fund(s) Actual Investment Returns Unit Fund(s) F1 Lion Balanced Fund F4 Lion Fixed Income Fund
2005 0.24% 8.30%
2006 23.75% 10.40%
2007 34.39% 7.13%
2008 -19.89% 5.26%
2009 29.29% 4.23%
F5 Lion Progressive Fund F6 Dana Sejati^^
-1.14% 8.21%
24.64% 9.66%
33.51% 6.92%
-27.95% 4.41%
33.20% 3.66%
n/a n/a
* n/a
30.52% n/a
-22.57% n/a
27.57% n/a
F9 Lion Strategic Fund F17 Lion Enhanced Equity Fund
· · · ·
The information set out below forms part of your Sales Illustration. Great Eastern Life Assurance (Malaysia) Bhd ("Company") believes it is important that you fully appreciate all the benefits under your policy and that you also understand how the cost of the insurance protection, distribution, administration, investment and other costs affect these benefits. You should satisfy yourself that the plan serves your needs and that you can afford the premium. If you need clarification, please contact us or your agent. Buying a regular premium life insurance policy 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.
·
· · ·
· ·
as shown in earlier pages. These rates of returns are used purely for illustration purposes only, and do not represent the upper and lower limit of the actual rate that may occur. The illustrated returns shown have been used to represent the range of possible returns based on your Investment Strategy and Investment Horizon. The performance of the Unit Fund(s) is NOT GUARANTEED and the values of the Unit Fund(s) may fall below the amount of premiums paid, depending on the performance of the underlying assets of the Unit Fund(s). The actual benefits payable will depend on the actual performance of the underlying assets of the Unit Fund(s) and the actual returns may be less or more than the values illustrated. The investment risks under the policy are to be borne solely by the policy owner. The policy owners must be aware that the unit prices may fall as well as rise. Below is the historical actual annual investment returns of the Unit Fund(s) compared with the selected benchmark indices for the Unit Fund(s) Actual Investment Returns Unit Fund(s) 2005 2006 2007 2008 2009 F1 Lion Balanced Fund F4 Lion Fixed Income Fund
0.24% 8.30%
23.75% 10.40%
34.39% 7.13%
-19.89% 5.26%
29.29% 4.23%
F5 Lion Progressive Fund F6 Dana Sejati^^ F9 Lion Strategic Fund F17 Lion Enhanced Equity Fund
-1.14% 8.21% n/a n/a
24.64% 9.66% * n/a
33.51% 6.92% 30.52% n/a
-27.95% 4.41% -22.57% n/a
33.20% 3.66% 27.57% n/a
n/a
n/a
n/a
n/a
n/a
F18 Dana Gemilang ^^ formely known as Mauzuun Bond Fund * Incomplete year Unit Fund(s) F1 Lion Balanced Fund F4 Lion Fixed Income Fund F5 Lion Progressive Fund F6 Dana Sejati^^
F9 Lion Strategic Fund F17 Lion Enhanced Equity Fund F18 Dana Gemilang where FBM 100* FBM 100 FBM Shariah 12 months FD 12 months Mudharabah Deposit Weighted Benchmark · · · ·
2005 1.59%
Benchmark Returns 2006 2007 2008 12.59% 17.35% -20.20%
2009 22.50%
3.80% -0.84% 3.80%
3.90% 21.83% 3.60%
3.76% 31.82% 3.75%
3.80% -39.30% 3.80%
2.70% 45.60% 2.80%
Benchmark Weighted Benchmark 12 months FD FBM 100* 12 months Mudharabah Deposit Weighted Benchmark FBM 100
1.59%
12.59%
17.35%
-20.20%
22.50%
-3.20%
23.00%
33.40%
-40.90%
48.00%
FBM Shariah
-8.70%
26.50%
45.60%
-43.50%
43.00%
: : : : : :
FTSE Bursa Malaysia 100 Index (The yearly returns prior to July 2009 were based on KLCI) FTSE Bursa Malaysia 100 Index FTSE Bursa Malaysia Emas Shariah Index 12 months Fixed Deposit Benchmark 12 months Mudharabah Deposit 50-50 weighted average index between FBM 100 and 12 months FD rates (The yearly return prior to July 2009 comprise if a 50-50 weighted average index between KLCI and 12 months FD rates Please note that the historical actual annual returns of the Unit Fund(s) are not available for new fund(s). The actual investment returns shown above are on a net basis (net of tax and charges) and do not take into account the bid/offer spread if any, nor any charges that may be levied. Past actual performance is NOT a guide to future performance which may be different. Note that the rates of return referred to above is calculated based on the investment in the specified Unit Fund(s) and not to the premiums paid under this policy.
MANIVANNAN A/L GANESAN / 5795225 / (GELSIS-5.20)
Page 7 of 40
A balanced fund which invests in a mixture of equity and fixed income securities comprising convertible debt securities, redeemable debt securities, government-backed bonds/securities. The exposure of fund to equities(between 40% to 60% of the fund) will preserve the long term purchasing power of assets Invests in government securities, corporate bonds and money market securities. The fund allocates a minimum of 40% to a maximum of 95% to fixed income securities. The aim of the fund is to preserve the capital and it appeals to risk-averse investors The fund seeks to maximise capital appreciation over the medium to long term while reducing risk through a diversified portfolio of investments comprising equities and fixed income securities. In general, the fund invests in a minimun of 50% and up to a maximum of 90% in equities. This fund invests in Islamic fixed income instruments and money market deposits. The fund allocates a minimum of 40% and a maximum of 95% to Islamic private debt securities. The aim of the fund is to preserve capital and provide consistent return to risk-averse investors This fund seeks to achieve medium to long term capital appreciation while reducing risk through a diversified portfolio of investments comprising equities, fixed income securities and money market instruments. The initial equities exposure is targeted in between 55% - 75%. However, there is also a flexibility to invest entirely in fixed income securities or equities. A fund where 80% to 100% of the investments are in equities, which may be volatile in the short term. This fund seeks to achieve medium to long-term capital appreciation. Although the fund invests mainly in Malaysia (50% to 100%), it may also partially invest in Singapore (up to 25%) and Hong Kong (up to 25%), if and when necessary, to enhance the fund’s returns. A fund where 80% to 100% of the investments are in equities, which may be volatile in the short term. This fund seeks to achieve medium to long-term capital appreciation. Although the fund invests mainly in Malaysia (50% to 100%), it may also partially invest in Singapore (up to 25%) and Hong Kong (up to 25%), if and when necessary, to enhance the fund’s returns. The fund only invests in Shariahapproved securities. The choice of Unit Fund(s) should be based on, among others, your tolerance to risk. Please seek advise from your agent or us on your tolerance to risk
·
This is the amount that you (the policy owner) pay for this policy. Take note that not all of the amount paid will be invested into the Unit Fund(s) you selected. See explanation on unallocated and allocated premium below
·
The unallocated premium charge is and is used to meet the insurer's expenses and direct distribution cost, including the commissions payable to the agent. Your agent may also be entitled to production and persistency bonuses during the first two years of the policy provided that your agent meets the qualifying criteria set by the Company.
·
· · ·
·
This is the amount that will be used to purchase units at Net Assest Value (NAV) in the Unit Fund(s) which you selected. Net Asset Value (NAV) : NAV is the single price at which the policy owner purchase the units in an Unit Fund(s) and sell the units back to the Unit Fund(s). The NAV of each Unit Fund(s) is determined daily after the valuation of the assets of the Unit Fund(s). The allocation rates for Basic Annual Premium are as follows (as a % of premiums) :Policy Year 1 2 3 4 5 6 7 & onwards Premiums Paid 1,820.00 1,820.00 1,820.00 1,820.00 1,820.00 1,820.00 1,820.00 Allocated (%) 43.00% 43.00% 76.00% 76.00% 85.00% 85.00% 100.00% Premium 782.60 782.60 1,383.20 1,383.20 1,547.00 1,547.00 1,820.00 (RM) The allocation rates for Single Premium Top-Ups and Balancer is 95% of premium paid for all years.
·
This is the minimum amount to be received on death or when you become disabled The policy owner may increase the basic sum assured without increasing the regular premium, subject to the terms amd conditions to be determined by the Company at the time.
· ·
These charges are taken out from your Unit Fund(s). The illustrated insurance charges and other charges are based on current levels. These are not guaranteed and may be varied from time to time by giving 3 months notice to policy owners. For Medical and Health Insurance plan/rider, a 30-day notice will be given for any upward revision on the 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, occupation class, medical rating and smoking status, where applicable. The insurance charges will as you grow older.
· ·
In this illustration, the following charges have been assumed:(a) Policy Fee : An administration charge of RM6 will be deducted monthly from the Unit Fund(s). (b) Fund Management Charge : This refers to the annual management fee (% of Unit Fund(s)) deducted to cover the cost of managing the Unit Fund(s).
MANIVANNAN A/L GANESAN / 5795225 / (GELSIS-5.20)
Page 8 of 40
Unit Fund(s)
· · · ·
· ·
·
F1 F4 F5
Lion Balanced Fund Lion Fixed Income Fund Lion Progressive Fund
F6 F9
Dana Sejati Lion Strategic Fund
0.50% 1.25%
F17 F18
Lion Enhanced Equity Fund Dana Gemilang
1.50% 1.50%
This is the projected value of units at any particular point in time that you may receive if you surrender the policy and is net of tax and all applicable charges If the policy is terminated early, you may get less than the amount of premiums paid. This plan does NOT offer any guaranteed minimum surrender value or maturity benefit and the policy may lapse early depending on the actual investment returns and charges. The Company reserves the right, in circumstances it considers exceptional, to suspend creation or cancellation of units.
This is the amount that will be payable on your death. While the policy is inforce and subject to its terms and conditions, in the event of death of the life assured, the following will be payable as Death Benefit: (i) Basic Sum Assured; plus (ii) Additional Sum Assured; plus (iii) the total values of the Unit Fund(s), if any, which is calculated at NAV on the next valuation date. For person covered below age 5 years next birthday, a child lien as follows shall apply to the Basic Sum Assured and Additional Sum Assured: Age Next Birthday on Policy Anniversary 1 2 3 4 Percentage (%) of Basic Sum Assured & Additional Sum Assured Full cover will be given from age 5 next birthday onwards.
·
·
· ·
Fund Management Charge (per annum) 1.00% 0.50% 1.35%
20%
40%
60%
80%
While the policy is inforce and subject to its terms and conditions, in the event of Total and Permanent Disability prior to the policy anniversary on which the life assured attains age 70 years next birthday, the Company will advance the Death Benefit. Under such circumstance, the policy owner has the option of whether to retain the total values of the Unit Fund(s) with the Company or opt for it to be paid in one lump sum. The Basic Sum Assured and Additional Sum Assured will be advanced as follows: (i) the Basic Sum Assured and Additional Sum Assured not exceeding RM 2,000,000 shall be paid in 3 annual instalments with the first being a lump sum of the Basic Sum Assured and Additional Sum Assured or RM1,000,000, whichever is lesser, and (ii) the balance of the Basic Sum Assured and Additional Sum Assured (if any) will be payable in two equal, annual instalments of maximum RM500,000 each. The maximum TPD Benefit payable under this and all insurance policies (including riders) on the same life assured, is RM3,500,000 per life across all distribution channels. For life assured below age 5 years next birthday, a child lien as per Death Benefit shall apply. This is further subject to a maximum TPD Benefit of RM500,000 payable under this and all insurance policies (including riders) on the same life assured.
· ·
Death during the first policy year as a result of suicide, while sane or insane. TPD resulting from self-inflicted injuries, while sane or insane. Note: The above list of exclusions is appliable for basic plan only and is non-exhaustive. Please refer to your policy for the full list of exclusions under the basic plan and rider(s), if any.
·
Critical Illness Benefit Rider is a unit deduction rider that provides coverage in the event of critical illness. This rider will accelerate the sum assured of the basic plan.
·
SmartMedic is a unit deduction rider that provides coverage for hospitalisation and surgical expenses incurred due to illness or accidental injury. It comes with a unique product feature where the initial Overall Annual Limit will be increased at the end of every fifth (5th) policy year starting from the risk effective date provided that no claim has been made during the interval of 5 policy years.
·
· ·
·
IL Accidental Death and Dismemberment Benefits Rider is a unit deduction rider that provides coverage in the event of death, Total and Permanent Disability (TPD) or injury, caused solely and directly from accident. It also comes with renewal bonus where the sum assured of this rider will be increased by 5% simple interest every year up to a maximum of 150% of the sum assured.
IL Waiver of Premium Plus Rider is a unit deduction rider that waives premiums in the event of Total and Permanent Disability (TPD) or critical illness of the life assured, whichever occurs first.
MANIVANNAN A/L GANESAN / 5795225 / (GELSIS-5.20)
Page 9 of 40
MANIVANNAN A/L GANESAN / 5795225 / (GELSIS-5.20)
Page 10 of 40
RAMACHANDRAN
Product Disclosure Sheet
Notes: Please read this Product Disclosure Sheet before you decide to take up SmartProtect Essential Insurance 2. Be sure to also read the general terms and conditions. Name of Financial Service Provider : Great Eastern Life Assurance (Malaysia) Berhad ("the Company") Name of Product : SmartProtect Essential Insurance 2 Date : 01/10/2010 __________________________________________________________________________________________________________
SmartProtect Essential Insurance 2 is an investment-linked insurance plan ("ILP") that offers a combination of insurance protection and investment. It also comes with an additional 1% sum assured at no additional cost, which will be payable in the event of death or Total and Permanent Disability ("TPD"), subject to the terms and conditions.
The basic sum assured for this plan is RM50,000. The basic sum assured, additional sum assured plus value of the investment units (if any) will be payable upon: · death; or · TPD before age 70 years next birthday, whichever occurs first, subject to the terms and conditions. However, if a valid claim event occurs before age 5 years next birthday, a child lien shall apply. The value of the ILP depends on the price of underlying units, which in turn depends on the performance of your chosen fund(s). The fund(s) that you have chosen are stated in the sales illustration. Reminder: Please read the sales illustration which includes product benefits and objectives of the unit fund(s). It is important to select a plan or a combination of fund(s) that suit your financial goals and risk profile. ·
The estimated premium for this plan that you have to pay: RM151.70 Monthly
Notes: (a) The premium that you have to pay and the policy terms may vary depending on the underwriting requirements of the Company. (b) The Company allocates a portion of the premium to purchase units in the unit fund(s) that you have chosen. Any unallocated amount will be used to pay commissions to agents and other expenses of the Company. You are advised to refer to the allocation rates and other details given in the sales illustration. · · ·
· · · · ·
The insurance charges are deducted monthly from the value of your units. The insurance charges will increase as you grow older. The insurance charges are non-guaranteed and vary by attained age next birthday, gender and smoker status at each policy anniversary. Details of insurance charges and other charges for the ILP are given in the sales illustrations. An additional 5% service tax will be added in the premium quoted in question 3 above for premium paid by business organisation.
Importance of disclosure - you must disclose all material facts such as medical condition, and state your age correctly. Free-look period - you may cancel your plan by returning your insurance policy within 15 days after you have received it. The Company will refund to you the unallocated premiums, the value of the units that have been allocated (if any) at unit price at the next valuation date and any insurance charge and policy fee that have been deducted less any medical fee incurred. Cash value - the cash value of the ILP depends on the performance of the unit fund(s) selected. 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 plan. Grace period - A grace period of 30 days from each premium due date is given for you to pay the subsequent premiums. Policy lapse - The ILP will lapse when the value of investment units is insufficient to pay for the insurance and other charges.
Note: This list is non-exhaustive. Please refer to the policy contract for the terms and conditions under this plan. · · ·
Pre-existing condition. Death during the first policy year as a result of suicide, while sane or insane. Total and Permanent Disability resulting from self-inflicted injuries, while sane or insane.
Note: This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this plan.
Buying a regular premium ILP is a long-term financial commitment. It is not advisable to hold this plan for a short period of time in view of the high initial costs. If you find the fund(s) that you have chosen is no longer appropriate, you have the flexibility to switch fund(s).
It is important that you inform us of any change in your / your nominee(s) contact details to ensure all correspondences reach you / your nominee(s) in a timely manner.
MANIVANNAN A/L GANESAN / 5795225 / 0281 / V01 / 0410
Page 11 of 40
RAMACHANDRAN
Product Disclosure Sheet
Should you require additional information, please refer to the relevant insuranceinfo booklet available at all our branches or you can obtain a copy from the insurance agent or visit www.insuranceinfo.com.my. If you have any enquiries, please contact us at: Head Office
:
Tel Fax Customer Service Careline E-mail
: : : :
(93745-A) Menara Great Eastern, 303 Jalan Ampang, 50450 Kuala Lumpur (603) 4259 8888 (603) 4259 8000 (603) 4259 8333
[email protected]
You may check with your agent or contact the Company directly for other similar types of cover currently available.
The information provided in this disclosure sheet is valid as at 01/10/2010.
MANIVANNAN A/L GANESAN / 5795225 / 0281 / V01 / 0410
Page 12 of 40
RAMACHANDRAN
Product Disclosure Sheet
Notes: Please read this Product Disclosure Sheet before you decide to take up Critical Illness Benefit Rider. Be sure to also read the general terms and conditions. Name of Financial Service Provider : Great Eastern Life Assurance (Malaysia) Berhad ("the Company") Name of Product : Critical Illness Benefit Rider Date : 01/10/2010 __________________________________________________________________________________________________________
Critical Illness Benefit Rider is a unit deduction rider that provides coverage in the event of critical illness. This rider will accelerate the sum assured of the basic plan.
The sum assured for this rider is RM30,000. It will be payable upon occurrence of any one of the 36 critical illnesses. Upon claim of this rider, the sum assured of the basic plan will be reduced accordingly by the sum assured for this rider. If a valid claim event occurs before age 5 years next birthday, a child lien shall apply. Duration of cover: 75 year(s) or upon termination, whichever occurs first.
Not applicable because this is a unit deduction rider. Please refer to question 4 below for the insurance charges. · ·
The insurance charges are deducted monthly from the value of your units. The insurance charges are non-guaranteed and vary by attained age next birthday, gender, smoker status and occupation classification (where applicable) at each policy anniversary. Details of insurance charges are given in the sales illustrations and/or policy contract.
· ·
Importance of disclosure - you must disclose all material facts such as medical condition, and state your age correctly. Free-look period - you may cancel your rider within 15 days after you have received your insurance policy. The Company will refund you the insurance charges that have been deducted less any medical fee incurred. Policy lapse - This rider will lapse when the value of investment units is insufficient to pay for the insurance charges. Waiting period - the eligibility for critical illness coverage will start only 30 days or 60 days (depending on the type of critical illness) after the effective date or reinstatement date of this rider, whichever is the later.
· ·
Note: This list is non-exhaustive. Please refer to the policy contract for the terms and conditions under this rider. · ·
Self-inflicted bodily injuries while sane or insane. Critical illness that has existed prior to or on the risk effective date of this rider or on the date of any reinstatement, whichever is later.
Note: This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this rider.
You may cancel your rider by giving a written notice to the Company.
It is important that you inform us of any change in your contact details to ensure all correspondences reach you in a timely manner.
Should you require additional information, please refer to the relevant insuranceinfo booklet available at all our branches or you can obtain a copy from the insurance agent or visit www.insuranceinfo.com.my. If you have any enquiries, please contact us at: Head Office
:
Tel Fax Customer Service Careline E-mail
: : : :
(93745-A) Menara Great Eastern, 303 Jalan Ampang, 50450 Kuala Lumpur (603) 4259 8888 (603) 4259 8000 (603) 4259 8333
[email protected]
You may check with your agent or contact the Company directly for other similar types of cover currently available.
The information provided in this disclosure sheet is valid as at 01/10/2010.
MANIVANNAN A/L GANESAN / 5795225 / U30 / V00 / 0110
Page 13 of 40
RAMACHANDRAN
Product Disclosure Sheet
Notes: Please read this Product Disclosure Sheet before you decide to take up SmartMedic. Be sure to also read the general terms and conditions. Name of Financial Service Provider : Great Eastern Life Assurance (Malaysia) Berhad ("the Company") Name of Product : SmartMedic Date : 01/10/2010 __________________________________________________________________________________________________________
SmartMedic ("SM") is a unit deduction rider that provides coverage for hospitalisation and surgical expenses incurred due to illness or accidental injury. It comes with a unique product feature where the initial Overall Annual Limit will be increased at the end of every fifth (5th) policy year starting from the risk effective date provided that no claim has been made during the interval of 5 policy years.
There are five riders available for selection with a daily Room and Board rate of RM100, RM150, RM200, RM300 and RM400 respectively. The rider that you purchased is: SM150 Duration of the cover: 56 year(s) or upon termination, whichever occurs first. Item
Insured Benefits
SM100 (RM) SM150 (RM) SM200 (RM) SM300 (RM) SM400 (RM)
Hospital Room and Board (R&B) 1
(Limit per day, subject to a maximum of 180 days per policy year for Insured Benefits (1) and (2) in
100
150
200
300
400
aggregate) Intensive Care Unit (ICU) 2
(Limit per day, subject to a maximum of 180 days per
As charged subject to Overall Annual Limit and Overall Lifetime
policy year for Insured Benefits (1) and (2) in
Limit.
aggregate) 3
Hospital Supplies and Services
4
Surgical Fees
5
Operating Theatre
6
Anaesthetist Fees
7
8
9
10
As charged subject to Overall Annual Limit and Overall Lifetime Limit.
In Hospital Physician Visit
Reimbursement of Reasonable and Customary Charges which is
(2 visits per day)
consistent with those usually charged to a ward or Room & Board
Pre-Hospitalisation Diagnostic Tests
accommodation which is approximate to and within the daily limit of
(Within 60 days before hospitalisation)
the amount stated in Hospital Room and Board benefit under the
Pre-Hospitalisation Specialist Consultation
plan insured.
(Within 60 days before hospitalisation) Post-Hospitalisation Treatment (Within 90 days after hospital discharge)
11 Organ Transplant
Subject to 10% co-insurance, up to a maximum of RM500. 20% co-insurance and no maximum capping if upgrade Room & Board.
12 Ambulance Fees 13 Day Surgery 14 Outpatient Cancer Treatment 15 Outpatient Kidney Dialysis Treatment 16
Emergency Accidental Outpatient Treatment (Maximum 30 days from the date of accident)
As charged subject to Overall Annual Limit and Overall Lifetime Limit. Subject to 10% co-insurance. 2,000
3,000
4,000
6,000
8,000
Daily-Cash Allowance at Malaysian Government 17 Hospital
50 per day
(Maximum 120 days per policy year) 18
Initial Overall Annual Limit for Items (1) to (17) (Based on Paid Amount)
19 Increase to the Initial Overall Annual Limit *
MANIVANNAN A/L GANESAN / 5795225 / U66 / V01 / 0310
60,000
90,000
120,000
160,000
200,000
6,000
9,000
12,000
16,000
20,000
Page 14 of 40
RAMACHANDRAN
20
Product Disclosure Sheet
Overall Lifetime Limit for Items (1) to (17) (Based on Paid Amount)
21 Accidental Death Benefit 22
Supreme Assist (Emergency Medical Assistance Services)
480,000
720,000
960,000
1,280,000
1,600,000
10,000
10,000
15,000
20,000
20,000
In accordance with the benefit provisions in Supreme Assist contract In accordance with the benefit provisions in Car Assistance
23 Car Assistance Programme
Programme contract
* Note: Increase to the Initial Overall Annual Limit will be computed at the end of every fifth (5th) policy year starting from the risk effective date provided that no claim has been made during the previous interval of 5 policy years.
Not applicable because this is a unit deduction rider. Please refer to question 4 below for insurance charges. · ·
The insurance charges are deducted monthly from the value of your units. The insurance charges are non-guaranteed and vary by attained age next birthday, gender, smoker status and occupation classification (where applicable) at each policy anniversary. Details of insurance charges are given in the sales illustration and/or policy contract.
·
Importance of disclosure - you must disclose all material facts such as medical condition, your occupation and personal pursuits, which would affect your risk profile, and state your age correctly. Free-look period - you may cancel your rider within 15 days after you have received your insurance policy. The Company will refund you the insurance charges that have been deducted less any medical fee incurred. Policy lapse - This rider will lapse when the value of investment units is insufficient to pay for the insurance charges. Waiting period - the eligibility for insured benefits due to illness will only start 30 days after the effective date or reinstatement date of this rider, whichever is the later. For specified illness, 120 days waiting period applies. Co-insurance - 10% co-insurance, where applicable, up to a maximum of RM500. For upgraded Room and Board, 20% coinsurance and no maximum capping apply. Coordination of benefits - the Company will provide compensation on a proportionate basis if you have any other hospitalisation coverage on reimbursement basis with us or others, or is receiving compensation from either sources for injury or illness or disease. Portfolio withdrawal condition - the Company reserves the right to cancel the SM portfolio as a whole if it decides to discontinue underwriting this rider.
· · · · · ·
Note: This list is non-exhaustive. Please refer to the policy contract for the terms and conditions under this rider. · · ·
Pre-existing illness. Specified illness occurring within first 120 days from the effective date of this rider. Any medical treatment outside Malaysia, if you reside or travel outside Malaysia for more than 90 consecutive days.
Note: This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this rider.
You may cancel your rider by giving a written notice to the Company.
It is important that you inform us of any change in your contact details to ensure all correspondences reach you in a timely manner.
Should you require additional information, please refer to the relevant insuranceinfo booklet available at all our branches or you can obtain a copy from the insurance agent or visit www.insuranceinfo.com.my. If you have any enquiries, please contact us at: Head Office
:
Tel Fax Customer Service Careline E-mail
: : : :
(93745-A) Menara Great Eastern, 303 Jalan Ampang, 50450 Kuala Lumpur (603) 4259 8888 (603) 4259 8000 (603) 4259 8333
[email protected]
You may check with your agent or contact the Company directly for other similar types of cover currently available.
MANIVANNAN A/L GANESAN / 5795225 / U66 / V01 / 0310
Page 15 of 40
RAMACHANDRAN
Product Disclosure Sheet
The information provided in this disclosure sheet is valid as at 01/10/2010.
MANIVANNAN A/L GANESAN / 5795225 / U66 / V01 / 0310
Page 16 of 40
RAMACHANDRAN
Product Disclosure Sheet
Notes: Please read this Product Disclosure Sheet before you decide to take up IL Accidental Death and Dismemberment Benefits Rider. Be sure to also read the general terms and conditions. Name of Financial Service Provider : Great Eastern Life Assurance (Malaysia) Berhad (“the Company”) Name of Product : IL Accidental Death and Dismemberment Benefits Rider Date : 01/10/2010 __________________________________________________________________________________________________________
IL Accidental Death and Dismemberment Benefits Rider is a unit deduction rider that provides coverage in the event of death, Total and Permanent Disability (“TPD”) or injury, caused solely and directly from accident. It also comes with renewal bonus where the sum assured of this rider will be increased by 5% simple interest every year up to a maximum of 150% of the sum assured.
The sum assured for this rider is RM30,000. The benefits will be payable should any of the following occurs to the life assured which is caused solely and directly from accident: (a) death within 90 days of accident – 1 time of the sum assured; (b) death within 90 days of accident while traveling in a public conveyance (other than a cable car, taxi, hired car or any form of transport charted for private travel) or electric lift or in consequence of the burning of any theatre or cinema – additional 1 time of the sum assured; (c) TPD that have continued for at least 6 consecutive months from the date of disability – 1 time of the sum assured; (d) permanent disability within 90 days of accidental injury – a percentage* of the sum assured; (e) death due to accidental cause – compassionate allowance of 5% of the sum assured (subject to maximum RM5,000); subject to the terms and conditions. * Subject to the limits specified in the policy contract. Duration of cover: 46 year(s) or upon termination, whichever occurs first.
Not applicable because this is a unit deduction rider. Please refer to question 4 below for the insurance charges. · ·
The insurance charges are deducted monthly from the value of your units. The insurance charges are non-guaranteed and vary by occupation classification at each policy anniversary. Details of insurance charges are given in the sales illustrations and/or policy contract.
Note: A discount will be applied on the insurance charges (excluding loadings, if any) of this rider for the first four policy years of the basic plan to which this rider is attached. This means no discount will be applicable to this rider if it is attached starting from the 5th policy year of the basic plan. · · ·
Importance of disclosure - you must disclose all material facts such as medical condition, your occupation and personal pursuits, which would affect your risk profile, number of personal accident policies that you have purchased from other insurance companies (if applicable). Free-look period - you may cancel your rider within 15 days after you have received your insurance policy. The Company will refund you the insurance charges that have been deducted less any medical fee incurred. Policy lapse - This rider will lapse when the value of investment units is insufficient to pay for the insurance charges.
Note: This list is non-exhaustive. Please refer to the policy contract for the terms and conditions under this rider. · ·
Suicide, attempted suicide or self-inflicted injuries, while sane or insane. Engaging in aerial flights other than as a crew member or as a fare-paying passenger of a licensed commercial airline operating on a regular scheduled route.
Note: This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this rider.
You may cancel your rider by giving a written notice to the Company.
It is important that you inform us of any change in your contact details to ensure all correspondences reach you in a timely manner.
Should you require additional information, please refer to the relevant insuranceinfo booklet available at all our branches or you can obtain a copy from the insurance agent or visit www.insuranceinfo.com.my. If you have any enquiries, please contact us at: Head Office
:
Tel
:
MANIVANNAN A/L GANESAN / 5795225 / U72 / V00 / 0310
(93745-A) Menara Great Eastern, 303 Jalan Ampang, 50450 Kuala Lumpur (603) 4259 8888 Page 17 of 40
RAMACHANDRAN
Fax Customer Service Careline E-mail
Product Disclosure Sheet
: : :
(603) 4259 8000 (603) 4259 8333
[email protected]
You may check with your agent or contact the Company directly for other similar types of cover currently available.
The information provided in this disclosure sheet is valid as at 01/10/2010.
MANIVANNAN A/L GANESAN / 5795225 / U72 / V00 / 0310
Page 18 of 40
RAMACHANDRAN
Product Disclosure Sheet
Notes: Please read this Product Disclosure Sheet before you decide to take up IL Waiver of Premium Plus Rider. Be sure to also read the general terms and conditions. Name of Financial Service Provider : Great Eastern Life Assurance (Malaysia) Berhad (“the Company”) Name of Product : IL Waiver of Premium Plus Rider Date : 01/10/2010 __________________________________________________________________________________________________________
IL Waiver of Premium Plus Rider is a unit deduction rider that waives premiums in the event of Total and Permanent Disability (“TPD”) or critical illness.
This rider waives the designated premiums upon: · TPD before age 70 years next birthday; or · occurrence of any one of the 36 critical illnesses, whichever occurs first, subject to the duration of cover and other terms and conditions. Duration of cover: 75 year(s) or upon termination, whichever occurs first.
Not applicable because this is a unit deduction rider. Please refer to question 4 below for the insurance charges. · ·
The insurance charges are deducted monthly from the value of your units. The insurance charges are non-guaranteed and vary by attained age next birthday, gender and smoker status at each policy anniversary. Details of insurance charges are given in the sales illustrations and/or policy contract.
· ·
Importance of disclosure - you must disclose all material facts such as medical condition, and state your age correctly. Free-look period - you may cancel your rider within 15 days after you have received your insurance policy. The Company will refund you the insurance charges that have been deducted less any medical fee incurred. Policy lapse - This rider will lapse when the value of investment units is insufficient to pay for the insurance charges. Waiting period – the eligibility for critical illness coverage will start only 30 days or 60 days (depending on the type of critical illness) after the effective date or reinstatement date of this rider, whichever is the later.
· ·
Note: This list is non-exhaustive. Please refer to the policy contract for the terms and conditions under this rider. · · ·
Self-inflicted bodily injuries while sane or insane. Total and Permanent Disability that has existed prior to or on the risk effective date of this rider or on the date of any reinstatement, whichever is later. Critical illness that has existed prior to or on the risk effective date of this rider or on the date of any reinstatement, whichever is later.
Note: This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this rider.
You may cancel your rider by giving a written notice to the Company.
It is important that you inform us of any change in your contact details to ensure all correspondences reach you in a timely manner.
Should you require additional information, please refer to the relevant insuranceinfo booklet available at all our branches or you can obtain a copy from the insurance agent or visit www.insuranceinfo.com.my. If you have any enquiries, please contact us at: Head Office
:
Tel Fax Customer Service Careline E-mail
: : : :
(93745-A) Menara Great Eastern, 303 Jalan Ampang, 50450 Kuala Lumpur (603) 4259 8888 (603) 4259 8000 (603) 4259 8333
[email protected]
You may check with your agent or contact the Company directly for other similar types of cover currently available.
The information provided in this disclosure sheet is valid as at 01/10/2010. MANIVANNAN A/L GANESAN / 5795225 / U78 / V00 / 0310
Page 19 of 40
MANIVANNAN A/L GANESAN / 5795225 / (GELSIS-5.20)
Page 20 of 40
Sebut Harga untuk Jenis Pelan Nama Pelanggan
· · ·
: 0281 SmartProtect Essential Insurance 2 : Pelan Insurans Berkait Pelaburan dengan Premium Tetap : MR RAMACHANDRAN
Jantina Merokok Umur Hari Jadi Berikut Kelas Perkerjaan Jenis Premium
: Lelaki : Tidak : 24 :3 : Bulanan
SmartProtect Essential Insurance 2 merupakan polisi insurans berkait pelaburan dengan premium tetap yang dilaburkan dalam Unit Dana yang diuruskan secara profesional berserta manfaat perlindungan insurans. Premium yang dibayar akan digunakan untuk membeli unit dalam Dana Unit. Nilai polisi bagi pelan ini akan berubah secara langsung mengikut prestasi Dana Unit. Pelan ini menyediakan manfaat yang akan dibayar apabila anda meninggal dunia atau Hilang Upaya Total dan Kekal (TPD). Sebagai tambahan, pelan ini juga menyediakan 1% jumlah asurans tambahan pada setiap tahun, tanpa kos tambahan, yang akan dibayar apabila berlaku kematian atau TPD, tertakluk kepada terma dan syarat.
0281 Premium Tahunan Asas#
75
50,000
1,820.40
0%
0.00
0.00
151.70
Rider dengan penolakan unit U30 CIBR
75
30,000
0.00
0%
0.00
0.00
0.00
U66 SM150 U72 IL-ADD U78 IL-WPP
56 46 75
150 30,000 1,800
0.00 0.00 0.00
0% 0% 0%
0.00 0.00 0.00
0.00 0.00 0.00
0.00 0.00 0.00
^ Sila tambah 5% cukai perkhidmatan untuk premium yang dibayar oleh Organisasi Perniagaan. # Asas termasuk Premium Insurans dan Imbangan (jika ada). Imbangan merupakan premium tetap daripada lebihan Premium Insurans. Bagi rider dengan penolakan unit, perlindungan bagi rider-rider ini dibayar daripada Premium Tahunan Asas.
· ·
·
·
Memandangkan hanya 43% daripada Premium Insurans untuk dua tahun polisi pertama akan digunakan untuk membeli unit, manakala 95% daripada Penambahan digunakan untuk membeli unit, anda boleh · Premium Tahunan Asas Minimum yang Diperlukan*: : RM1,200.00 · Penambahan Premium Tunggal Minimum yang Dibenarkan*: : RM1,000.00 *Ini adalah amaun minimum yang boleh dibeli. Sila ambil perhatian bahawa amaun tersebut tertakluk kepada pelarasan lanjutan mengikut peraturan dalam garis panduan. Oleh itu, jika belian anda melibatkan amaun premium yang besar contohnya RM5,000 dan ke atas, anda disarankan untuk mempertimbangkan bagi membeli polisi insurans berkaitan pelaburan dengan premium tunggal (berbanding polisi dengan premium tetap) kerana pelan dengan caruman tunggal menawarkan peruntukan yang lebih baik bagi pelaburan. Namun, sila ambil perhatian bahawa pelan dengan premium tunggal mungkin tidak menawarkan perlindungan insurans seperti pelan dengan premium tetap dan rider yang boleh dilampirkan juga terhad. Polisi insurans berkaitan pelaburan anda mungkin luput/tamat jika unit dalam dana anda tidak mencukupi bagi membayar caj yang dikenakan. Unit anda mungkin tidak mencukupi akibat: · Caj insurans yang tinggi jika anda membeli terlalu banyak perlindungan (iaitu Jumlah Asurans Asas yang tinggi atau terlalu banyak rider), terutamanya jika caj adalah meningkat mengikut umur anda. · Pulangan pelaburan yang buruk · Tempoh apabila premium tidak dibayar - iaitu anda berhenti membayar premium bagi suatu tempoh yang panjang
*Sila dapatkan penerangan berkenaan caj insurans serta kesannya terhadap perlindungan insurans masa depan anda daripada ejen. · ·
bertujuan untuk berdasarkan ilustrasi di bawah. Unjuran pulangan pelaburan yang digunakan di bawah adalah menunjukkan kemungkinan pulangan Dana Unit pilihan anda. Nilai ini adalah
bagi pelaburan dan tidak bermaksud untuk
· MANIVANNAN A/L GANESAN / 5795225 / (GELSIS-5.20)
Page 21 of 40
· Strategi Pelaburan yang Dipilih Tempoh Pelaburan ·
·
: 21 Dinamik ^ : 75 Tahun
Strategi Pelaburan anda ditentukan mengikut langkah yang dinyatakan dalam Panduan 5-langkah bagi memilih strategi pelaburan yang betul. Secara umum, pelabur diklasifikasikan kepada 6 kategori berdasarkan kesesuaian risiko, bermula daripada jenis pelabur yang berhati-hati hinggalah kepada jenis pelabur yang sangat dinamik. Selain strategi standard, anda juga boleh memilih Strategi Pelaburan sendiri yang bersesuaian dengan profil risiko anda. Anda seharusnya berpuas hati bahawa Tempoh Pelaburan yang dipilih adalah wajar demi mencapai matlamat kewangan anda.
F1
Dana Lion Balanced
8%
5.50%
3%
F4
Dana Lion Fixed Income
7%
5.00%
4%
F5
Dana Lion Progressive
8%
5.50%
3%
F6
Dana Sejati
7%
5.00%
4%
F9
Dana Lion Strategic
8%
5.50%
3%
F17 Dana Lion Enhanced Equity
9%
6.00%
2%
F18 Dana Gemilang
9%
6.00%
2%
1
70
20%
80%
71
71
40%
60%
72
72
60%
40%
73
73
70%
30%
74
74
80%
20%
75
75
90%
10%
1
20
21 30 ^Sila rujuk Nota Penting untuk profil pelaburan anda. #Sebelum potongan untuk cukai dan caj pengurusan dana
MANIVANNAN A/L GANESAN / 5795225 / (GELSIS-5.20)
8.60
2.40
5.80
2.40
Page 22 of 40
1
25
1,820.40
86
50,086
84
50,084
30,000
150
30,000
1,800
2
26
3,640.80
179
50,679
169
50,669
30,000
150
31,500
1,800
3
27
5,461.20
881
51,881
840
51,840
30,000
150
33,000
1,800
4
28
7,281.60
1,628
53,128
1,516
53,016
30,000
150
34,500
1,800
5
29
9,102.00
2,572
54,572
2,342
54,342
30,000
150
36,000
1,800
6
30
10,922.40
3,577
56,077
3,173
55,673
30,000
150
37,500
1,800
7
31
12,742.80
4,930
57,930
4,286
57,286
30,000
150
39,000
1,800
8
32
14,563.20
6,371
59,871
5,407
58,907
30,000
150
40,500
1,800
9
33
16,383.60
7,905
61,905
6,536
60,536
30,000
150
42,000
1,800
10
34
18,204.00
9,537
64,037
7,671
62,171
30,000
150
43,500
1,800
11
35
20,024.40
11,272
66,272
8,812
63,812
30,000
150
45,000
1,800
12
36
21,844.80
13,118
68,618
9,961
65,461
30,000
150
45,000
1,800
13
37
23,665.20
15,057
71,057
11,092
67,092
30,000
150
45,000
1,800
14
38
25,485.60
17,113
73,613
12,221
68,721
30,000
150
45,000
1,800
15
39
27,306.00
19,291
76,291
13,348
70,348
30,000
150
45,000
1,800
16
40
29,126.40
21,600
79,100
14,472
71,972
30,000
150
45,000
1,800
17
41
30,946.80
24,038
82,038
15,584
73,584
30,000
150
45,000
1,800
18
42
32,767.20
26,516
85,016
16,587
75,087
30,000
150
45,000
1,800
19
43
34,587.60
29,131
88,131
17,574
76,574
30,000
150
45,000
1,800
20
44
36,408.00
31,890
91,390
18,542
78,042
30,000
150
45,000
1,800
21
45
38,228.40
33,969
93,969
19,489
79,489
30,000
150
45,000
1,800
22
46
40,048.80
36,093
96,593
20,407
80,907
30,000
150
45,000
1,800
23
47
41,869.20
38,166
99,166
21,198
82,198
30,000
150
45,000
1,800
24
48
43,689.60
40,279
101,779
21,954
83,454
30,000
150
45,000
1,800
25
49
45,510.00
42,427
104,427
22,667
84,667
30,000
150
45,000
1,800
26
50
47,330.40
44,610
107,110
23,336
85,836
30,000
150
45,000
1,800
27
51
49,150.80
46,823
109,823
23,953
86,953
30,000
150
45,000
1,800
28
52
50,971.20
48,604
112,104
24,063
87,563
30,000
150
45,000
1,800
29
53
52,791.60
50,389
114,389
24,108
88,108
30,000
150
45,000
1,800
30
54
54,612.00
52,176
116,676
24,084
88,584
30,000
150
45,000
1,800
# Penerangan berkenaan Unjuran Pulangan Pelaburan Berwajaran bagi X% dan Y% dinyatakan dalam muka surat terdahulu. NOTA: -
1. CIBR :Rider Manfaat Penyakit Kritikal SM150 :SmartMedic 150 IL-ADD :IL Accidental Death and Dismemberment Benefits Rider IL-WPP :IL Waiver of Premium Plus Rider 2.Manfaat di bawah rider hanya akan dibayar jika pelan asas dan rider adalah berkuat kuasa. 3.Ilustrasi ini mesti dibaca mengikut nota penuh seperti yang tertera di bahagian Nota Penting. 4.Semua angka dalam RM. (R&KT) MANIVANNAN A/L GANESAN / 5795225 / (GELSIS-5.20)
Page 23 of 40
1
25
1,820.40
1,037.63
782.77
50,000
0
66.96
559.80
72
0
0
86
84
50,086
50,084
637.14
2
26
1,820.40
1,037.63
782.77
50,000
500
66.96
560.16
72
1
1
179
169
50,679
50,669
637.14
3
27
1,820.40
436.90
1,383.50
50,000
1,000
66.96
578.04
72
6
6
881
840
51,881
51,840
455.10
4
28
1,820.40
436.90
1,383.50
50,000
1,500
66.96
579.24
72
15
15
1,628
1,516
53,128
53,016
455.10
5
29
1,820.40
273.06
1,547.34
50,000
2,000
66.96
600.84
72
25
25
2,572
2,342
54,572
54,342
273.06
6
30
1,820.40
273.06
1,547.34
50,000
2,500
66.96
601.92
72
37
35
3,577
3,173
56,077
55,673
273.06
7
31
1,820.40
0.00
1,820.40
50,000
3,000
66.96
603.12
72
52
48
4,930
4,286
57,930
57,286
0.00
8
32
1,820.40
0.00
1,820.40
50,000
3,500
66.96
604.32
72
69
62
6,371
5,407
59,871
58,907
0.00
9
33
1,820.40
0.00
1,820.40
50,000
4,000
66.96
607.08
72
87
77
7,905
6,536
61,905
60,536
0.00
10
34
1,820.40
0.00
1,820.40
50,000
4,500
66.96
610.80
72
106
91
9,537
7,671
64,037
62,171
0.00
11
35
1,820.40
0.00
1,820.40
50,000
5,000
66.96
614.88
72
126
106
11,272
8,812
66,272
63,812
0.00
12
36
1,820.40
0.00
1,820.40
50,000
5,500
66.96
618.00
72
148
120
13,118
9,961
68,618
65,461
0.00
13
37
1,820.40
0.00
1,820.40
50,000
6,000
66.96
646.20
72
171
135
15,057
11,092
71,057
67,092
0.00
14
38
1,820.40
0.00
1,820.40
50,000
6,500
72.48
652.20
72
195
149
17,113
12,221
73,613
68,721
0.00
15
39
1,820.40
0.00
1,820.40
50,000
7,000
77.52
659.88
72
221
164
19,291
13,348
76,291
70,348
0.00
16
40
1,820.40
0.00
1,820.40
50,000
7,500
83.52
667.63
72
248
178
21,600
14,472
79,100
71,972
0.00
17
41
1,820.40
0.00
1,820.40
50,000
8,000
90.48
682.12
72
277
193
24,038
15,584
82,038
73,584
0.00
18
42
1,820.40
0.00
1,820.40
50,000
8,500
99.00
791.93
72
307
206
26,516
16,587
85,016
75,087
0.00
19
43
1,820.40
0.00
1,820.40
50,000
9,000
108.96
806.85
72
338
219
29,131
17,574
88,131
76,574
0.00
20
44
1,820.40
0.00
1,820.40
50,000
9,500
121.44
822.44
72
371
231
31,890
18,542
91,390
78,042
0.00
21
45
1,820.40
0.00
1,820.40
50,000
10,000
136.44
836.96
72
410
244
33,969
19,489
93,969
79,489
0.00
22
46
1,820.40
0.00
1,820.40
50,000
10,500
153.96
857.41
72
436
255
36,093
20,407
96,593
80,907
0.00
23
47
1,820.40
0.00
1,820.40
50,000
11,000
173.04
972.44
72
462
266
38,166
21,198
99,166
82,198
0.00
24
48
1,820.40
0.00
1,820.40
50,000
11,500
194.04
993.87
72
488
276
40,279
21,954
101,779
83,454
0.00
25
49
1,820.40
0.00
1,820.40
50,000
12,000
217.44
1,019.52
72
514
286
42,427
22,667
104,427
84,667
0.00
26
50
1,820.40
0.00
1,820.40
50,000
12,500
242.04
1,045.61
72
541
294
44,610
23,336
107,110
85,836
0.00
27
51
1,820.40
0.00
1,820.40
50,000
13,000
268.44
1,076.50
72
569
303
46,823
23,953
109,823
86,953
0.00
28
52
1,820.40
0.00
1,820.40
50,000
13,500
297.96
1,557.40
72
593
307
48,604
24,063
112,104
87,563
0.00
29
53
1,820.40
0.00
1,820.40
50,000
14,000
330.48
1,590.81
72
615
308
50,389
24,108
114,389
88,108
0.00
30
54
1,820.40
0.00
1,820.40
50,000
14,500
366.48
1,623.30
72
638
308
52,176
24,084
116,676
88,584
0.00
# Penerangan berkenaan Unjuran Pulangan Pelaburan Berwajaran bagi X% dan Y% dinyatakan dalam muka surat terdahulu. 1. Ini menunjukkan caj bagi premium anda yang digunakan untuk membayar kos pengagihan terus dan perbelanjaan oleh Syarikat. 2. Kos langsung yang berkaitan dengan saluran agihan untuk tujuan pemasaran yang dilakukan untuk polisi ini, contohnya pembayaran kepada ejen anda. Kos ini dibayar daripada caj yang dikenakan ke atas polisi anda bagi perkhidmatan yang diberi oleh ejen sepanjang tempoh polisi anda. Sila ambil perhatian bahawa bonus pengeluaran (5% daripada premium bagi tahun pertama) dan bonus berterusan (5% daripada premium tahun kedua) akan dibayar dengan syarat ejen anda memenuhi kriteria kelayakan yang ditetapkan oleh Syarikat. NOTA: 1.Unjuran manfaat yang ditunjukkan di atas adalah untuk ilustrasi sahaja dan TIDAK DIJAMIN. MANIVANNAN A/L GANESAN / 5795225 / (GELSIS-5.20)
Page 24 of 40
1
25
1,820.40
1,037.63
782.77
50,000
0
66.96
559.80
72
0
0
86
84
50,086
50,084
637.14
2
26
1,820.40
1,037.63
782.77
50,000
500
66.96
560.16
72
1
1
179
169
50,679
50,669
637.14
3
27
1,820.40
436.90
1,383.50
50,000
1,000
66.96
578.04
72
6
6
881
840
51,881
51,840
455.10
4
28
1,820.40
436.90
1,383.50
50,000
1,500
66.96
579.24
72
15
15
1,628
1,516
53,128
53,016
455.10
5
29
1,820.40
273.06
1,547.34
50,000
2,000
66.96
600.84
72
25
25
2,572
2,342
54,572
54,342
273.06
6
30
1,820.40
273.06
1,547.34
50,000
2,500
66.96
601.92
72
37
35
3,577
3,173
56,077
55,673
273.06
7
31
1,820.40
0.00
1,820.40
50,000
3,000
66.96
603.12
72
52
48
4,930
4,286
57,930
57,286
0.00
8
32
1,820.40
0.00
1,820.40
50,000
3,500
66.96
604.32
72
69
62
6,371
5,407
59,871
58,907
0.00
9
33
1,820.40
0.00
1,820.40
50,000
4,000
66.96
607.08
72
87
77
7,905
6,536
61,905
60,536
0.00
10
34
1,820.40
0.00
1,820.40
50,000
4,500
66.96
610.80
72
106
91
9,537
7,671
64,037
62,171
0.00
11
35
1,820.40
0.00
1,820.40
50,000
5,000
66.96
614.88
72
126
106
11,272
8,812
66,272
63,812
0.00
12
36
1,820.40
0.00
1,820.40
50,000
5,500
66.96
618.00
72
148
120
13,118
9,961
68,618
65,461
0.00
13
37
1,820.40
0.00
1,820.40
50,000
6,000
66.96
646.20
72
171
135
15,057
11,092
71,057
67,092
0.00
14
38
1,820.40
0.00
1,820.40
50,000
6,500
72.48
652.20
72
195
149
17,113
12,221
73,613
68,721
0.00
15
39
1,820.40
0.00
1,820.40
50,000
7,000
77.52
659.88
72
221
164
19,291
13,348
76,291
70,348
0.00
16
40
1,820.40
0.00
1,820.40
50,000
7,500
83.52
667.63
72
248
178
21,600
14,472
79,100
71,972
0.00
17
41
1,820.40
0.00
1,820.40
50,000
8,000
90.48
682.12
72
277
193
24,038
15,584
82,038
73,584
0.00
18
42
1,820.40
0.00
1,820.40
50,000
8,500
99.00
791.93
72
307
206
26,516
16,587
85,016
75,087
0.00
19
43
1,820.40
0.00
1,820.40
50,000
9,000
108.96
806.85
72
338
219
29,131
17,574
88,131
76,574
0.00
20
44
1,820.40
0.00
1,820.40
50,000
9,500
121.44
822.44
72
371
231
31,890
18,542
91,390
78,042
0.00
21
45
1,820.40
0.00
1,820.40
50,000
10,000
136.44
836.96
72
410
244
33,969
19,489
93,969
79,489
0.00
22
46
1,820.40
0.00
1,820.40
50,000
10,500
153.96
857.41
72
436
255
36,093
20,407
96,593
80,907
0.00
23
47
1,820.40
0.00
1,820.40
50,000
11,000
173.04
972.44
72
462
266
38,166
21,198
99,166
82,198
0.00
24
48
1,820.40
0.00
1,820.40
50,000
11,500
194.04
993.87
72
488
276
40,279
21,954
101,779
83,454
0.00
25
49
1,820.40
0.00
1,820.40
50,000
12,000
217.44
1,019.52
72
514
286
42,427
22,667
104,427
84,667
0.00
26
50
1,820.40
0.00
1,820.40
50,000
12,500
242.04
1,045.61
72
541
294
44,610
23,336
107,110
85,836
0.00
27
51
1,820.40
0.00
1,820.40
50,000
13,000
268.44
1,076.50
72
569
303
46,823
23,953
109,823
86,953
0.00
28
52
1,820.40
0.00
1,820.40
50,000
13,500
297.96
1,557.40
72
593
307
48,604
24,063
112,104
87,563
0.00
29
53
1,820.40
0.00
1,820.40
50,000
14,000
330.48
1,590.81
72
615
308
50,389
24,108
114,389
88,108
0.00
30
54
1,820.40
0.00
1,820.40
50,000
14,500
366.48
1,623.30
72
638
308
52,176
24,084
116,676
88,584
0.00
# Penerangan berkenaan Unjuran Pulangan Pelaburan Berwajaran bagi X% dan Y% dinyatakan dalam muka surat terdahulu. 1. Ini menunjukkan caj bagi premium anda yang digunakan untuk membayar kos pengagihan terus dan perbelanjaan oleh Syarikat. 2. Kos langsung yang berkaitan dengan saluran agihan untuk tujuan pemasaran yang dilakukan untuk polisi ini, contohnya pembayaran kepada ejen anda. Kos ini dibayar daripada caj yang dikenakan ke atas polisi anda bagi perkhidmatan yang diberi oleh ejen sepanjang tempoh polisi anda. Sila ambil perhatian bahawa bonus pengeluaran (5% daripada premium bagi tahun pertama) dan bonus berterusan (5% daripada premium tahun kedua) akan dibayar dengan syarat ejen anda memenuhi kriteria kelayakan yang ditetapkan oleh Syarikat. NOTA: 1.Unjuran manfaat yang ditunjukkan di atas adalah untuk ilustrasi sahaja dan TIDAK DIJAMIN. MANIVANNAN A/L GANESAN / 5795225 / (GELSIS-5.20)
Page 24 of 40
2.Nilai Dana Unit mungkin kurang daripada amaun premium yang telah dibayar dan bergantung kepada prestasi yang mendasari aset. 3.Prestasi sebenar yang lepas BUKAN panduan untuk prestasi pada masa depan kerana ia mungkin berbeza. 4.Ilustrasi caj insurans hayat dan caj lain adalah berdasarkan tahap semasa. Ia mungkin berbeza dari semasa ke semasa. 5.Jika "N/A" ditunjukkan dalam ilustrasi di atas, ia menunjukkan tiada caj insurans dan perlindungan manfaat bagi rider. 6.Jika "-" ditunjukkan dalam ilustrasi di atas, ini menunjukkan bahawa polisi telah luput di bawah unjuran pulangan pelaburan bagi X% dan Y% masing-masing, seperti ditunjukkan dalam tajuk bagi lajur masing-masing. Ia bermaksud semua bentuk manfaat (nilai tunai, manfaat kematian, dll) adalah tidak berkenaan. Apabila lajur tidak menyatakan sama ada X% atau Y% akan digunakan, unjuran bagi polisi luput adalah berdasarkan unjuran pulangan pelaburan Y%. Sila ambil perhatian bahawa keputusan ini berdasarkan andaian pulangan pelaburan, premium yang dibayar dan caj. Manfaat mungkin berbeza, dan polisi mungkin luput lebih awal atau lambat bergantung kepada pulangan pelaburan sebenar, premium yang dibayar dan caj. 7.Ilustrasi ini mesti dibaca mengikut nota penuh seperti yang tertera di bahagian Nota Penting. 8.Semua angka dalam RM. (R&KT)
MANIVANNAN A/L GANESAN / 5795225 / (GELSIS-5.20)
Page 25 of 40
2.Nilai Dana Unit mungkin kurang daripada amaun premium yang telah dibayar dan bergantung kepada prestasi yang mendasari aset. 3.Prestasi sebenar yang lepas BUKAN panduan untuk prestasi pada masa depan kerana ia mungkin berbeza. 4.Ilustrasi caj insurans hayat dan caj lain adalah berdasarkan tahap semasa. Ia mungkin berbeza dari semasa ke semasa. 5.Jika "N/A" ditunjukkan dalam ilustrasi di atas, ia menunjukkan tiada caj insurans dan perlindungan manfaat bagi rider. 6.Jika "-" ditunjukkan dalam ilustrasi di atas, ini menunjukkan bahawa polisi telah luput di bawah unjuran pulangan pelaburan bagi X% dan Y% masing-masing, seperti ditunjukkan dalam tajuk bagi lajur masing-masing. Ia bermaksud semua bentuk manfaat (nilai tunai, manfaat kematian, dll) adalah tidak berkenaan. Apabila lajur tidak menyatakan sama ada X% atau Y% akan digunakan, unjuran bagi polisi luput adalah berdasarkan unjuran pulangan pelaburan Y%. Sila ambil perhatian bahawa keputusan ini berdasarkan andaian pulangan pelaburan, premium yang dibayar dan caj. Manfaat mungkin berbeza, dan polisi mungkin luput lebih awal atau lambat bergantung kepada pulangan pelaburan sebenar, premium yang dibayar dan caj. 7.Ilustrasi ini mesti dibaca mengikut nota penuh seperti yang tertera di bahagian Nota Penting. 8.Semua angka dalam RM. (R&KT)
MANIVANNAN A/L GANESAN / 5795225 / (GELSIS-5.20)
· · · ·
Page 25 of 40
Maklumat yang ditunjukkan di bawah membentuk sebahagian daripada Ilustrasi Jualan anda. Great Eastern Life Assurance (Malaysia) Bhd ("Syarikat") percaya bahawa adalah penting bagi anda untuk menyedari sepenuhnya semua manfaat di bawah polisi ini dan memahami bagaimana kos perlindungan insurans, pengagihan, pentadbiran, pelaburan dan kos lain mempengaruhi manfaat ini. Anda sepatutnya berpuas hati bahawa pelan ini dapat memenuhi keperluan anda dan anda mampu membayar premium yang dikenakan. Jika anda memerlukan penjelasan, sila hubungi kami atau ejen anda. Membeli polisi insurans hayat dengan premium tetap adalah satu komitmen jangka panjang. Anda tidak dinasihatkan untuk memegang polisi ini dalam jangka masa pendek memandangkan kos permulaan yang tinggi.
·
· · ·
· ·
, seperti ditunjukkan dalam muka surat terdahulu. Kadar pulangan ini digunakan untuk tujuan ilustrasi semata-mata dan tidak menggambarkan kadar sebenar bagi had atas dan bawah yang mungkin berlaku. Pulangan yang diilustrasikan telah digunakan untuk menunjukkan kemungkinan julat pulangan berdasarkan Strategi Pelaburan dan Tempoh Pelaburan anda. Prestasi Dana Unit adalah TIDAK DIJAMIN dan nilai Dana Unit mungkin kurang daripada amaun premium yang telah dibayar serta ia bergantung kepada prestasi yang mendasari aset Dana Unit. Manfaat sebenar yang dibayar bergantung kepada prestasi sebenar yang mendasari aset Dana Unit dan pulangan sebenar yang diisytiharkan pada masa depan mungkin berkurangan atau melebihi nilai yang diilustrasikan. Risiko pelaburan di bawah polisi ini ditanggung oleh pemilik polisi semata-mata. Pemilik polisi mestilah sedia maklum bahawa harga unit mungkin turun atau naik. Pulangan pelaburan tahunan sebenar yang lepas untuk dana berbanding dengan indeks tanda aras yang dipilih adalah ditunjukkan di bawah: Pulangan Pelaburan Sebenar Dana Unit F1 Dana Lion Balanced F4 Dana Lion Fixed Income
2005 0.24% 8.30%
2006 23.75% 10.40%
2007 34.39% 7.13%
2008 -19.89% 5.26%
2009 29.29% 4.23%
F5 Dana Lion Progressive F6 Dana Sejati^^
-1.14% 8.21%
24.64% 9.66%
33.51% 6.92%
-27.95% 4.41%
33.20% 3.66%
n/a n/a
* n/a
30.52% n/a
-22.57% n/a
27.57% n/a
F9 Dana Lion Strategic F17 Dana Lion Enhanced Equity
· · · ·
Maklumat yang ditunjukkan di bawah membentuk sebahagian daripada Ilustrasi Jualan anda. Great Eastern Life Assurance (Malaysia) Bhd ("Syarikat") percaya bahawa adalah penting bagi anda untuk menyedari sepenuhnya semua manfaat di bawah polisi ini dan memahami bagaimana kos perlindungan insurans, pengagihan, pentadbiran, pelaburan dan kos lain mempengaruhi manfaat ini. Anda sepatutnya berpuas hati bahawa pelan ini dapat memenuhi keperluan anda dan anda mampu membayar premium yang dikenakan. Jika anda memerlukan penjelasan, sila hubungi kami atau ejen anda. Membeli polisi insurans hayat dengan premium tetap adalah satu komitmen jangka panjang. Anda tidak dinasihatkan untuk memegang polisi ini dalam jangka masa pendek memandangkan kos permulaan yang tinggi.
·
· · ·
· ·
, seperti ditunjukkan dalam muka surat terdahulu. Kadar pulangan ini digunakan untuk tujuan ilustrasi semata-mata dan tidak menggambarkan kadar sebenar bagi had atas dan bawah yang mungkin berlaku. Pulangan yang diilustrasikan telah digunakan untuk menunjukkan kemungkinan julat pulangan berdasarkan Strategi Pelaburan dan Tempoh Pelaburan anda. Prestasi Dana Unit adalah TIDAK DIJAMIN dan nilai Dana Unit mungkin kurang daripada amaun premium yang telah dibayar serta ia bergantung kepada prestasi yang mendasari aset Dana Unit. Manfaat sebenar yang dibayar bergantung kepada prestasi sebenar yang mendasari aset Dana Unit dan pulangan sebenar yang diisytiharkan pada masa depan mungkin berkurangan atau melebihi nilai yang diilustrasikan. Risiko pelaburan di bawah polisi ini ditanggung oleh pemilik polisi semata-mata. Pemilik polisi mestilah sedia maklum bahawa harga unit mungkin turun atau naik. Pulangan pelaburan tahunan sebenar yang lepas untuk dana berbanding dengan indeks tanda aras yang dipilih adalah ditunjukkan di bawah: Pulangan Pelaburan Sebenar Dana Unit 2005 2006 2007 2008 2009 F1 Dana Lion Balanced F4 Dana Lion Fixed Income
0.24% 8.30%
23.75% 10.40%
34.39% 7.13%
-19.89% 5.26%
29.29% 4.23%
F5 Dana Lion Progressive F6 Dana Sejati^^ F9 Dana Lion Strategic F17 Dana Lion Enhanced Equity
-1.14% 8.21% n/a n/a
24.64% 9.66% * n/a
33.51% 6.92% 30.52% n/a
-27.95% 4.41% -22.57% n/a
33.20% 3.66% 27.57% n/a
n/a
n/a
n/a
n/a
F18 Dana Gemilang n/a ^^ dahulunya dikenali sebagai Dana Mauzuun Bond. * tahun tidak lengkap Dana Unit F1 Dana Lion Balanced F4 Dana Lion Fixed Income F5 Dana Lion Progressive F6 Dana Sejati^^
F9 Dana Lion Strategic F17 Dana Lion Enhanced Equity F18 Dana Gemilang iaitu FBM 100*
· · · ·
2005 1.59%
Pulangan Tanda Aras 2006 2007 2008 12.59% 17.35% -20.20%
2009 22.50%
3.80% -0.84% 3.80%
3.90% 21.83% 3.60%
3.76% 31.82% 3.75%
3.80% -39.30% 3.80%
2.70% 45.60% 2.80%
Tanda Aras Tanda Aras Berwajaran FD 12 bulan FBM 100* Deposit Mudharabah 12 Bulan Tanda Aras Berwajaran FBM 100
1.59%
12.59%
17.35%
-20.20%
22.50%
-3.20%
23.00%
33.40%
-40.90%
48.00%
FBM Shariah
-8.70%
26.50%
45.60%
-43.50%
43.00%
: FTSE Bursa Malaysia 100 Index (Pulangan tahunan sebelum Julai tahun 2009 adalah berdasarkan KLCI) FBM 100 : FTSE Bursa Malaysia 100 Index FBM Shariah : FTSE Bursa Malaysia Emas Shariah Index FD 12 bulan : Tanda Aras Simpanan Tetap 12 Bulan Deposit Mudharabah 12 Bulan : Deposit Mudharabah 12 Bulan Tanda Aras Berwajaran : Indeks purata berwajaran 50:50 antara FBM 100 dan kadar simpanan tetap 12 bulan (Pulangan tahunan sebelum Julai tahun 2009 termasuk indeks purata berwajaran 50:50 di antara KLCI dan kadar simpanan tetap 12 bulan). Sila ambil perhatian bahawa tiada pulangan tahunan sebenar Dana Unit dapat dinyatakan untuk tahun sebelumnya bagi dana yang baru. Pulangan pelaburan sebenar yang ditunjukkan di atas adalah mengikut kadar bersih (setelah ditolak cukai dan caj) dan tidak mengambil kira sebarang bida/tawaran, jika ada atau sebarang caj yang mungkin dikenakan. Prestasi sebenar yang lepas BUKAN panduan untuk prestasi pada masa depan kerana ia mungkin berbeza. Sila ambil perhatian bahawa kadar pulangan yang dirujuk di atas dikira berdasarkan pelaburan dalam Dana Unit tertentu dan bukan berdasarkan premium yang telah dibayar di bawah polisi ini.
MANIVANNAN A/L GANESAN / 5795225 / (GELSIS-5.20)
Page 26 of 40
Dana seimbang yang melabur dalam campuran ekuiti dan sekuriti pendapatan tetap yang terdiri daripada sekuriti hutang boleh tukar, sekuriti hutang boleh tebus dan bon/sekuriti yang disokong kerajaan. Pendedahan dana kepada ekuiti (di antara 40% dan 60% daripada dana) akan mengekalkan kuasa beli aset jangka panjang. Melabur dalam sekuriti kerajaan, bon korporat dan sekuriti pasaran wang. Dana ini memperuntukkan minimum 40% dan maksimum 95% untuk sekuriti pendapatan tetap. Tujuan dana ini adalah untuk mengekalkan modal dan ia menarik minat para pelabur yang tidak sukakan risiko. Dana ini bertujuan untuk memaksimumkan kenaikan nilai modal dalam jangka pertengahan hingga jangka panjang sekali gus mengurangkan risiko melalui portfolio pelaburan yang pelbagai. Secara umumnya, dana ini melaburkan minimum 50% dan sehingga maksimum 90% dalam ekuiti. Dana Sejati melabur dalam instrumen pendapatan tetap Islam dan deposit pasaran wang. Dana ini memperuntukkan minimum 40% dan maksimum 95% untuk sekuriti hutang swasta Islam. Dana ini bertujuan untuk mengekalkan modal dan memberi pulangan konsisten kepada pelabur yang tidak sukakan risiko. Dana ini bertujuan untuk mencapai kenaikan nilai modal daripada jangka pertengahan hingga jangka panjang sekali gus mengurangkan risiko melalui pelbagai portfolio pelaburan yang terdiri daripada ekuiti, sekuriti pendapatan tetap dan instrumen pasaran wang. Pendedahan ekuiti awal disasarkan di antara 55% - 75%. Namun, terdapat kefleksibelan untuk melabur sepenuhnya dalam sekuriti pendapatan tetap atau ekuiti. Dana yang mana 80% hingga 100% pelaburan terdiri daripada ekuiti, yang boleh mudah ubah dalam jangka pendek. Dana ini bertujuan untuk menyediakan kenaikan nilai modal jangka pertengahan hingga jangka panjang. Walaupun sebahagian besar pelaburan dana dijalankan di Malaysia (50% hingga 100%), sebahagian pelaburan mungkin dijalankan di Singapura (sehingga 25%) dan Hong Kong (sehingga 25%), jika dan apabila perlu, bagi meningkatkan pulangan dana. Dana yang mana 80% hingga 100% pelaburan terdiri daripada ekuiti, yang boleh mudah ubah dalam jangka pendek. Dana ini bertujuan untuk menyediakan kenaikan nilai modal jangka pertengahan hingga jangka panjang. Walaupun sebahagian besar pelaburan dana dijalankan di Malaysia (50% hingga 100%), sebahagian pelaburan mungkin dijalankan di Singapura (sehingga 25%) dan Hong Kong (sehingga 25%), jika dan apabila perlu, bagi meningkatkan pulangan dana. Dana ini hanya melabur dalam sekuriti yang mematuhi Syariah. Pilihan Dana Unit haruslah berdasarkan toleransi anda terhadap risiko. Sila dapatkan nasihat daripada ejen anda ataupun kami berkenaan dengan toleransi anda terhadap risiko.
·
Ia merupakan amaun yang dibayar oleh anda (pemilik polisi) bagi polisi ini. Sila ambil perhatian bahawa bukan semua amaun yang dibayar akan dilaburkan dalam Dana Unit pilihan anda. Sila baca penerangan berkenaan premium yang diperuntukkan dan premium yang tidak diperuntukkan di bawah.
·
Caj bagi premium yang tidak diperuntukkan adalah dan digunakan untuk membayar perbelanjaan oleh penanggung insurans serta kos pengagihan terus, termasuk komisen yang dibayar kepada ejen. Ejen anda berhak menerima bonus pengeluaran dan bonus berterusan semasa dua tahun polisi pertama dengan syarat ejen anda memenuhi kriteria kelayakan yang ditetapkan oleh Syarikat.
·
· · ·
·
Ini merupakan amaun yang akan digunakan untuk membeli unit pada Nilai Aset Bersih (NAV) dalam Dana Unit pilihan anda. Nilai Aset Bersih (NAV) : NAV ialah harga tunggal apabila pemilik polisi membeli unit dalam Dana Unit dan menjual kembali unit tersebut ke dalam Dana Unit. NAV bagi setiap Dana Unit ditentukan setiap hari selepas penilaian aset bagi Dana Unit. Kadar peruntukan bagi Premium Tahunan Asas adalah seperti berikut (suatu % daripada premium):Tahun Polisi 1 2 3 4 5 6 7 & berikut Premium yang Dibayar 1,820.00 1,820.00 1,820.00 1,820.00 1,820.00 1,820.00 1,820.00 Premium yang (%) 43.00% 43.00% 76.00% 76.00% 85.00% 85.00% 100.00% Diperuntukkan (RM) 782.60 782.60 1,383.20 1,383.20 1,547.00 1,547.00 1,820.00 Kadar peruntukan premium bagi Penambahan Premium Tunggal dan Imbangan ialah 95% bagi premium yang dibayar untuk semua tahun.
· ·
Ini adalah amaun minimum yang akan diterima sekiranya berlaku kematian atau menjadi hilang upaya. Pemilik polisi boleh meningkatkan jumlah asurans asas tanpa menambah premium tetap, tertakluk kepada terma dan syarat yang ditentukan oleh Syarikat pada masa itu.
· ·
Caj-caj ini ditolak daripada Dana Unit anda. Caj insurans dan caj lain yang diilustrasikan adalah berdasarkan kadar semasa. Ia tidak dijamin dan mungkin disemak semula dari semasa ke semasa dengan memberi notis 3 bulan kepada pemilik polisi. Bagi pelan / rider Insurans Perubatan dan Kesihatan, notis 30 hari akan diberi jika terdapat kenaikan caj. ditolak secara bulanan daripada nilai unit anda untuk membayar perlindungan insurans. Caj insurans bagi perlindungan insurans berbeza mengikut umur yang dicapai, jantina, kelas pekerjaan, kadaran perubatan dan status merokok, mana yang berkenaan. Caj insurans akan seiring dengan peningkatan umur.
· ·
Dalam ilustrasi ini, caj berikut telah diandaikan:(a) Yuran Polisi : Caj pentadbiran sebanyak RM6 akan ditolak setiap bulan daripada Dana Unit. MANIVANNAN A/L GANESAN / 5795225 / (GELSIS-5.20)
Page 27 of 40
(b) Caj Pengurusan Dana
· · · ·
· ·
·
: Ia merujuk kepada bayaran pengurusan tahunan (% daripada Dana Unit) yang ditolak bagi menampung kos menguruskan Dana Unit. Dana Unit Caj Pengurusan Tahunan F1 Dana Lion Balanced 1.00% F4 Dana Lion Fixed Income 0.50% F5 Dana Lion Progressive 1.35% F6 F9 F17
Dana Sejati Dana Lion Strategic Dana Lion Enhanced Equity
0.50% 1.25% 1.50%
F18
Dana Gemilang
1.50%
Ini merupakan unjuran nilai unit pada sebarang masa tertentu yang mungkin diterima jika anda menyerahkan polisi selepas ditolak cukai dan caj yang berkenaan. Jika polisi ditamatkan lebih awal, anda mungkin akan mendapat jumlah premium yang berkurangan daripada jumlah premium yang telah dibayar. Pelan ini TIDAK menawarkan sebarang nilai serahan atau manfaat matang minimum yang dijamin dan polisi ini mungkin luput lebih awal bergantung kepada pulangan pelaburan dan caj sebenar. Syarikat berhak menangguhkan penerbitan atau penebusan unit, dalam keadaan yang dianggap luar biasa.
Ini adalah amaun yang akan dibayar sekiranya berlaku kematian. Semasa polisi ini berkuat kuasa dan tertakluk kepada terma dan syarat, sekiranya hayat yang diasuranskan meninggal dunia, perkara berikut akan dibayar sebagai Manfaat Kematian: (i) Jumlah Asurans Asas; termasuk (ii) Jumlah Asurans Tambahan; termasuk (iii) jumlah nilai Dana Unit, jika ada, yang dikira mengikut NAV pada tarikh penilaian yang berikutnya. Bagi orang yang dilindungi di bawah umur 5 tahun hari jadi berikutnya, lien kanak-kanak akan dikenakan bagi Jumlah Asurans Asas dan Jumlah Asurans Tambahan seperti berikut:Umur Hari Jadi Berikut pada Ulang Tahun Polisi 1 Peratusan (%) Jumlah Asurans Asas dan Asurans Tambahan 20% Perlindungan penuh akan diberi dari umur 5 tahun hari jadi berikutnya dan ke atas.
·
·
· ·
2 40%
3 60%
4 80%
Semasa polisi ini berkuat kuasa dan tertakluk kepada terma dan syarat, sekiranya Hilang Upaya Total dan Kekal berlaku sebelum ulang tahun polisi apabila hayat yang diasuranskan mencapai umur 70 tahun hari jadi berikutnya, Syarikat akan mendahulukan Manfaat Kematian. Di bawah keadaan demikian, pemilik polisi mempunyai pilihan sama ada ingin mengekalkan jumlah nilai Dana Unit dengan Syarikat atau memilih untuk menerima bayaran dalam satu jumlah sekali gus. Jumlah Asurans Asas dan Jumlah Asurans Tambahan akan didahulukan seperti berikut: (i) Jumlah Asurans Asas dan Jumlah Asurans Tambahan tidak melebihi RM 2,000,000 akan dibayar dalam 3 kali ansuran tahunan dengan bayaran pertama bagi Jumlah Asurans Asas dan Jumlah Asurans Tambahan dibayar dalam satu jumlah sekali gus atau RM1,000,000, mana yang lebih rendah, dan (ii) baki Jumlah Asurans Asas dan Jumlah Asurans Tambahan (jika ada) akan dibayar dalam dua kali ansurans tahunan yang sama nilai, iaitu maksimum RM500,000 bagi setiap satu ansuran. Manfaat TPD maksimum yang dibayar di bawah ini dan semua polisi insurans (termasuk rider) ke atas hayat yang sama ialah RM3,500,000 bagi semua saluran agihan. Bagi hayat yang diasuranskan di bawah umur 5 tahun hari jadi berikutnya, lien kanak-kanak seperti yang dikenakan bagi Manfaat Kematian akan digunakan. Namun, ia tertakluk kepada Manfaat TPD maksimum sebanyak RM500,000 yang dibayar di bawah ini dan semua polisi insurans (termasuk rider) ke atas hayat yang diasuranskan yang sama.
· ·
Kematian yang berlaku dalam tahun polisi pertama akibat bunuh diri, ketika waras atau tidak waras. TPD akibat kecederaan yang dilakukan sendiri, ketika waras atau tidak waras. Nota: Senarai pengecualian ini hanya berkenaan untuk pelan asas sahaja dan tidak menyeluruh. Sila rujuk kontrak polisi anda bagi senarai pengecualian di bawah pelan asas, jika ada.
·
Critical Illness Benefit Rider ialah rider dengan penolakan unit yang menyediakan perlindungan bagi penyakit kritikal. Rider ini akan mengurangkan jumlah asurans pelan asas.
·
SmartMedic ialah rider dengan penolakan unit yang menyediakan perlindungan bagi kemasukan hospital dan perbelanjaan pembedahan yang ditanggung akibat penyakit atau kecederaan kemalangan. Ia turut didatangkan dengan ciri produk yang unik iaitu Had Tahunan Keseluruhan permulaan akan bertambah pada akhir setiap tahun polisi kelima (ke-5) bermula dari tarikh risiko berkuat kuasa dengan syarat tiada tuntutan telah dibuat dalam selang masa 5 tahun polisi.
·
·
IL Accidental Death and Dismemberment Benefits Rider ialah rider dengan penolakan unit yang menyediakan perlindungan semasa kematian, Hilang Upaya Total dan Kekal (TPD) atau kecederaan, disebabkan semata-mata dan secara langsung oleh kemalangan.
MANIVANNAN A/L GANESAN / 5795225 / (GELSIS-5.20)
Page 28 of 40
·
Ia turut didatangkan dengan bonus pembaharuan iaitu jumlah asurans bagi rider ini akan bertambah sebanyak 5% setiap tahun, berdasarkan jumlah asurans asal bagi rider sehingga maksimum 150% daripada jumlah asurans.
·
IL Waiver of Premium Plus Rider ialah rider dengan penolakan unit yang mengenepikan premium semasa Hilang Upaya Total dan Kekal (TPD) atau penyakit kritikal berlaku kepada hayat yang diasuranskan, mana yang berlaku dahulu.
MANIVANNAN A/L GANESAN / 5795225 / (GELSIS-5.20)
Page 29 of 40
RAMACHANDRAN
Risalah Pemberitahuan Produk
Nota: Sila baca Risalah Pemberitahuan Produk ini sebelum anda memutuskan untuk mendapatkan SmartProtect Essential Insurance 2. Pastikan terma dan syarat am telah dibaca. Nama Penyedia Perkhidmatan Kewangan : Great Eastern Life Assurance (Malaysia) Berhad ("Syarikat") Nama Produk : SmartProtect Essential Insurance 2 Tarikh : 01/10/2010 __________________________________________________________________________________________________________
SmartProtect Essential Insurance 2 ialah pelan insurans berkait pelaburan ("ILP") yang menawarkan kombinasi perlindungan insurans dan pelaburan. Ia juga didatangkan dengan tambahan 1% jumlah asurans tanpa kos tambahan, yang dibayar semasa berlaku kematian atau Hilang Upaya Total dan Kekal ("TPD"), tertakluk kepada terma dan syarat.
Jumlah asurans asas bagi pelan ini ialah RM50,000. Jumlah asurans asas, jumlah asurans tambahan termasuk nilai unit pelaburan (jika ada) akan dibayar bagi: · kematian; atau · TPD sebelum umur 70 tahun hari jadi berikutnya, mana yang berlaku dahulu, tertakluk kepada terma dan syarat. Namun, jika suatu tuntutan yang sah berlaku sebelum umur 5 tahun hari jadi berikutnya, lien kanak-kanak akan digunakan. Nilai ILP bergantung kepada harga yang mendasari unit, mengikut prestasi dana pilihan anda. Dana pilihan anda dinyatakan dalam ilustrasi jualan. Peringatan: Sila baca ilustrasi jualan kerana ia memberi penerangan berkenaan manfaat produk dan objektif dana unit. Pemilihan pelan atau kombinasi dana yang sesuai dengan matlamat kewangan dan profil risiko anda adalah amat penting. ·
Anggaran premium yang anda perlu bayar bagi pelan ini ialah: RM151.70 Bulanan
Nota: (a) Premium yang anda perlu bayar dan terma polisi mungkin berbeza mengikut keperluan pengunderaitan Syarikat. (b) Syarikat memperuntukkan sebahagian premium untuk membeli unit dalam dana unit yang anda pilih. Sebarang premium yang tidak diperuntukkan akan digunakan untuk membayar komisen kepada ejen dan perbelanjaan lain oleh Syarikat. Anda dinasihatkan untuk merujuk kadar peruntukan dan huraian lain yang dinyatakan dalam ilustrasi jualan. · · ·
· ·
· · ·
Caj insurans ditolak secara bulanan daripada nilai unit anda. Caj insurans akan meningkat mengikut umur anda. Caj insurans adalah tidak dijamin dan berbeza mengikut umur hari jadi berikut yang dicapai, jantina, status merokok dan klasifikasi pekerjaan (mana yang berkenaan) pada setiap ulang tahun polisi. Huraian caj insurans dan caj lain bagi ILP dinyatakan dalam ilustrasi jualan. Cukai perkhidmatan tambahan sebanyak 5% akan dikenakan bagi premium yang diilustrasikan dalam soalan 3 di atas jika premium dibayar oleh organisasi perniagaan.
Kepentingan untuk membuat pendedahan - anda mestilah mendedahkan semua fakta yang material seperti keadaan perubatan dan umur dengan betul. Tempoh memerhati bebas - anda boleh membatalkan pelan dengan memulangkan polisi insurans dalam tempoh 15 hari selepas menerimanya. Syarikat akan membayar balik premium yang tidak diperuntukkan, nilai unit yang telah diperuntukkan (jika ada) mengikut harga unit pada tarikh penilaian yang berikutnya dan sebarang caj insurans serta yuran polisi yang dikenakan setelah ditolak sebarang bayaran perubatan yang ditanggung. Nilai tunai - nilai tunai ILP bergantung kepada prestasi dana unit yang dipilih. Lebih tinggi perlindungan insurans yang dipilih, lebih banyak unit akan digunakan untuk membayar caj insurans dan unit yang tinggal hanya sedikit bagi mengumpul nilai tunai di bawah pelan anda. Tempoh tenggang - anda mempunyai tempoh tenggang selama 30 hari dari setiap tarikh premium berikut perlu dibayar untuk membayar premium. Polisi luput - ILP akan luput apabila nilai unit pelaburan tidak mencukupi bagi membayar insurans dan caj lain.
Nota: Senarai ini adalah tidak menyeluruh. Sila rujuk kontrak polisi bagi terma dan syarat di bawah pelan ini. · · ·
Keadaan sedia ada. Kematian dalam tahun polisi pertama akibat bunuh diri, ketika waras atau tidak waras. Hilang Upaya Total dan Kekal akibat kecederaan yang dilakukan sendiri, ketika waras atau tidak waras.
Nota: Senarai ini adalah tidak menyeluruh. Sila rujuk kontrak polisi bagi senarai penuh pengecualian di bawah pelan ini.
Membeli ILP dengan premium tetap adalah satu komitmen jangka panjang. Anda tidak dinasihatkan untuk memegang pelan ini dalam jangka masa pendek memandangkan kos permulaan yang tinggi. Jika anda dapati dana yang dipilih tidak lagi bersesuaian, anda mempunyai fleksibiliti untuk menukar dana.
Anda hendaklah memaklumkan kepada kami jika terdapat sebarang perubahan butiran perhubungan anda / penama bagi memastikan semua surat-menyurat dapat diserahkan kepada anda / penama dengan sepatutnya.
MANIVANNAN A/L GANESAN / 5795225 / 0281 / V01 / 0410
Page 30 of 40
RAMACHANDRAN
Risalah Pemberitahuan Produk
Jika anda memerlukan maklumat lanjut, sila rujuk buku maklumat insurans yang relevan. Ia boleh didapati di semua cawangan kami atau anda boleh mendapatkan salinan daripada ejen insurans atau layari www.insuranceinfo.com.my. Sekiranya anda mempunyai sebarang pertanyaan, sila hubungi kami di: (93745-A) Ibu Pejabat : Menara Great Eastern, 303 Jalan Ampang, 50450 Kuala Lumpur Tel : (603) 4259 8888 Faks : (603) 4259 8000 Customer Service Careline : (603) 4259 8333 E-mel :
[email protected] Sila semak dengan ejen anda atau terus menghubungi Syarikat bagi mendapatkan maklumat berkenaan jenis perlindungan lain yang serupa.
Maklumat yang disediakan dalam pemberitahuan produk ini adalah sah pada 01/10/2010.
MANIVANNAN A/L GANESAN / 5795225 / 0281 / V01 / 0410
Page 31 of 40
RAMACHANDRAN
Risalah Pemberitahuan Produk
Nota: Sila baca Risalah Pemberitahuan Produk ini sebelum anda memutuskan untuk mendapatkan Critical Illness Benefit Rider. Pastikan terma dan syarat am telah dibaca. Nama Penyedia Perkhidmatan Kewangan : Great Eastern Life Assurance (Malaysia) Berhad ("Syarikat") Nama Produk : Critical Illness Benefit Rider Tarikh : 01/10/2010 __________________________________________________________________________________________________________
Critical Illness Benefit Rider ialah rider dengan penolakan unit yang menyediakan perlindungan bagi penyakit kritikal. Rider ini akan mengurangkan jumlah asurans pelan asas.
Jumlah asurans bagi rider ini ialah RM30,000. Ia akan dibayar apabila salah satu daripada 36 jenis penyakit kritikal berlaku. Semasa tuntutan di bawah rider ini, jumlah asurans pelan asas akan dikurangkan sewajarnya dengan amaun sama yang dibayar. Jika suatu tuntutan yang sah berlaku sebelum umur 5 tahun hari jadi berikutnya, lien kanak-kanak akan digunakan. Tempoh perlindungan: 75 tahun atau sehingga penamatan, mana yang berlaku dahulu.
Tidak berkenaan bagi rider dengan penolakan unit. Sila rujuk soalan 4 di bawah untuk caj insurans. · ·
Caj insurans ditolak secara bulanan daripada nilai unit anda. Caj insurans adalah tidak dijamin dan berbeza mengikut umur hari jadi berikut yang dicapai, jantina, status merokok dan klasifikasi pekerjaan (mana yang berkenaan) pada setiap ulang tahun polisi. Huraian caj insurans dinyatakan dalam ilustrasi jualan dan/atau kontrak polisi.
·
Kepentingan untuk membuat pendedahan - anda mestilah mendedahkan semua fakta yang material seperti keadaan perubatan dan umur dengan betul. Tempoh memerhati bebas - anda boleh membatalkan rider dalam tempoh 15 hari selepas menerima polisi insurans. Syarikat akan membayar balik caj insurans yang dikenakan setelah ditolak sebarang bayaran perubatan yang ditanggung. Polisi luput - Rider ini akan luput apabila nilai unit pelaburan tidak mencukupi bagi membayar caj insurans. Tempoh menunggu - kelayakan untuk perlindungan penyakit kritikal hanya akan bermula 30 hari atau 60 hari (bergantung kepada jenis penyakit kritikal) selepas tarikh berkuat kuasa atau tarikh penguatkuasaan semula bagi rider ini, mana yang kemudian.
· · ·
Nota: Senarai ini adalah tidak menyeluruh. Sila rujuk kontrak polisi bagi terma dan syarat di bawah rider ini. · ·
Kecederaan badan yang dilakukan sendiri ketika waras atau tidak waras. Penyakit kritikal yang sedia wujud sebelum atau pada tarikh risiko berkuat kuasa atau pada tarikh sebarang penguatkuasaan semula bagi rider ini, mana yang kemudian.
Nota: Senarai ini adalah tidak menyeluruh. Sila rujuk kontrak polisi bagi senarai penuh pengecualian di bawah rider ini.
Anda boleh membatalkan rider ini dengan memberi notis bertulis kepada Syarikat.
Anda hendaklah memaklumkan kepada kami jika terdapat sebarang perubahan butiran perhubungan anda bagi memastikan semua surat-menyurat dapat diserahkan kepada anda dengan sepatutnya.
Jika anda memerlukan maklumat lanjut, sila rujuk buku maklumat insurans yang relevan. Ia boleh didapati di semua cawangan kami atau anda boleh mendapatkan salinan daripada ejen insurans atau layari www.insuranceinfo.com.my. Sekiranya anda mempunyai sebarang pertanyaan, sila hubungi kami di: (93745-A) Ibu Pejabat : Menara Great Eastern, 303 Jalan Ampang, 50450 Kuala Lumpur Tel : (603) 4259 8888 Faks : (603) 4259 8000 Customer Service Careline : (603) 4259 8333 E-mel :
[email protected] Sila semak dengan ejen anda atau terus menghubungi Syarikat bagi mendapatkan maklumat berkenaan jenis perlindungan lain yang serupa.
MANIVANNAN A/L GANESAN / 5795225 / U30 / V00 / 0110
Page 32 of 40
RAMACHANDRAN
Risalah Pemberitahuan Produk
Maklumat yang disediakan dalam pemberitahuan produk ini adalah sah pada 01/10/2010.
MANIVANNAN A/L GANESAN / 5795225 / U30 / V00 / 0110
Page 33 of 40
RAMACHANDRAN
Risalah Pemberitahuan Produk
Nota: Sila baca Risalah Pemberitahuan Produk ini sebelum anda memutuskan untuk mendapatkan SmartMedic. Pastikan terma dan syarat am telah dibaca. Nama Penyedia Perkhidmatan Kewangan : Great Eastern Life Assurance (Malaysia) Berhad ("Syarikat") Nama Produk : SmartMedic Tarikh : 01/10/2010 __________________________________________________________________________________________________________
SmartMedic ("SM") ialah rider dengan penolakan unit yang menyediakan perlindungan bagi kemasukan hospital dan perbelanjaan pembedahan yang ditanggung akibat penyakit atau kecederaan kemalangan. Ia turut didatangkan dengan ciri produk yang unik iaitu Had Tahunan Keseluruhan permulaan akan bertambah pada akhir setiap tahun polisi kelima (ke-5) bermula dari tarikh risiko berkuat kuasa dengan syarat tiada tuntutan telah dibuat dalam selang masa 5 tahun polisi.
Terdapat lima pilihan rider dengan kadar Bilik dan Hidangan harian RM100, RM150, RM200, RM300 dan RM400 masing-masing. Rider yang anda beli ialah: SM150 Tempoh perlindungan: 56 tahun atau sehingga penamatan, mana yang berlaku dahulu.
Perkara
Manfaat yang Diinsuranskan
SM100
SM150
SM200
SM300
SM400
(RM)
(RM)
(RM)
(RM)
(RM)
100
150
200
300
400
Bilik dan Hidangan Hospital (R&B) 1
(Had sehari, tertakluk kepada maksimum 180 hari untuk setiap tahun polisi bagi agregat Manfaat yang Diinsuranskan (1) dan (2)) Unit Rawatan Rapi (ICU)
2
(Had sehari, tertakluk kepada maksimum 180 hari
Seperti caj yang dikenakan, tertakluk kepada Had Tahunan
setiap tahun polisi bagi agregat Manfaat yang
Keseluruhan dan Had Seumur Hidup Keseluruhan.
Diinsuranskan (1) dan (2)) 3
Bekalan dan Khidmat Hospital
4
Bayaran Pembedahan
5
Dewan Bedah
6
Bayaran Pakar Bius
7
Keseluruhan dan Had Seumur Hidup Keseluruhan.
Lawatan Pakar Perubatan Dalam Hospital (2 lawatan sehari) Ujian Diagnosis Sebelum Kemasukan Hospital
8
Seperti caj yang dikenakan, tertakluk kepada Had Tahunan
(Dalam tempoh 60 hari sebelum kemasukan hospital)
Pembayaran balik Bayaran Munasabah dan Biasa yang konsisten dengan bayaran biasa yang dikenakan untuk wad atau Bilik dan Hidangan yang lebih kurang dan dalam lingkungan amaun had harian yang dinyatakan dalam manfaat Bilik dan Hidangan Hospital di bawah pelan yang diinsuranskan.
Rundingan Pakar Sebelum Kemasukan Hospital 9
10
(Dalam tempoh 60 hari sebelum kemasukan
Tertakluk kepada insurans bersama 10%, sehingga maksimum
hospital)
RM500.
Rawatan Selepas Kemasukan Hospital (Dalam tempoh 90 hari selepas keluar hospital)
11
Pemindahan Organ
12
Bayaran Ambulans
13
Pembedahan Harian
14
Rawatan Kanser Pesakit Luar
15
Rawatan Dialisis Buah Pinggang Pesakit Luar
16
17
Rawatan Kemalangan Kecemasan Pesakit Luar (Maksimum 30 hari dari tarikh kemalangan)
Insurans bersama 20% dan tiada had maksimum jika menaik taraf Bilik dan Hidangan Hospital.
Seperti caj yang dikenakan, tertakluk kepada Had Tahunan Keseluruhan dan Had Seumur Hidup Keseluruhan. Tertakluk kepada insurans bersama 10%. 2,000
3,000
Elaun Tunai Harian di Hospital Kerajaan Malaysia
4,000
6,000
8,000
160,000
200,000
50 sehari
(Maksimum 120 hari setiap tahun polisi) Had Tahunan Keseluruhan Permulaan bagi perkara
18
(1) hingga (17)
60,000
90,000
120,000
(Berdasarkan Amaun yang Dibayar) MANIVANNAN A/L GANESAN / 5795225 / U66 / V01 / 0310
Page 34 of 40
RAMACHANDRAN
19
Penambahan kepada Had Tahunan Keseluruhan Permulaan *
Risalah Pemberitahuan Produk
6,000
9,000
12,000
16,000
20,000
480,000
720,000
960,000
1,280,000
1,600,000
10,000
10,000
15,000
20,000
20,000
Had Seumur Hidup Keseluruhan bagi perkara (1) 20
hingga (17) (Berdasarkan Amaun yang Dibayar)
21 22
23
Manfaat Kematian Kemalangan Supreme Assist (Perkhidmatan Bantuan Kecemasan) Car Assistance Programme
Menurut peruntukan manfaat dalam kontrak Supreme Assist Menurut peruntukan manfaat dalam kontrak Car Assistance Programme
* Nota: Penambahan kepada Had Tahunan Keseluruhan Permulaan akan dikira pada akhir setiap tahun polisi kelima (ke-5) bermula dari tarikh risiko berkuat kuasa dengan syarat tiada tuntutan telah dibuat dalam selang masa 5 tahun polisi sebelumnya.
Tidak berkenaan bagi rider dengan penolakan unit. Sila rujuk soalan 4 di bawah untuk caj insurans. · ·
Caj insurans ditolak secara bulanan daripada nilai unit anda. Caj insurans adalah tidak dijamin dan berbeza mengikut umur hari jadi berikut yang dicapai, jantina, status merokok dan klasifikasi pekerjaan (mana yang berkenaan) pada setiap ulang tahun polisi. Huraian caj insurans dinyatakan dalam ilustrasi jualan dan/atau kontrak polisi.
·
Kepentingan untuk membuat pendedahan - anda mestilah mendedahkan semua fakta yang material seperti keadaan perubatan, pekerjaan anda serta tuntutan peribadi, mana yang akan mempengaruhi profil risiko anda dan umur dengan betul. Tempoh memerhati bebas - anda boleh membatalkan rider dalam tempoh 15 hari selepas menerima polisi insurans. Syarikat akan membayar balik caj insurans yang dikenakan setelah ditolak sebarang bayaran perubatan yang ditanggung. Polisi luput - Rider ini akan luput apabila nilai unit pelaburan tidak mencukupi bagi membayar caj insurans. Tempoh menunggu – kelayakan bagi manfaat yang diinsuranskan untuk penyakit akan bermula 30 hari selepas tarikh berkuat kuasa atau tarikh penguatkuasaan semula rider ini, mana yang kemudian. Bagi penyakit tertentu, tempoh menunggu selama 120 hari akan digunakan. Insurans bersama – 10% insurans bersama akan dikenakan, jika berkenaan, sehingga maksimum RM500. Jika menaik taraf Bilik dan Hidangan, 20% insurans bersama akan dikenakan dan tiada had maksimum. Penyelarasan manfaat – Syarikat akan memberi pampasan mengikut dasar bersekadar jika anda mempunyai perlindungan kemasukan hospital lain dalam bentuk pembayaran balik dengan Syarikat atau sumber lain, atau sedang menerima pampasan daripada sumber lain bagi kecederaan atau sakit atau penyakit. Syarat penarikan balik portfolio - Syarikat berhak membatalkan portfolio SM secara keseluruhan jika ia memutuskan untuk tidak meneruskan pengunderaitan rider ini.
· · · · · ·
Nota: Senarai ini adalah tidak menyeluruh. Sila rujuk kontrak polisi bagi terma dan syarat di bawah rider ini. · · ·
Sakit sedia ada. Penyakit tertentu yang berlaku dalam masa 120 hari pertama dari tarikh berkuat kuasa rider ini. Sebarang rawatan perubatan yang diterima di luar Malaysia, jika anda menetap atau melancong di luar Malaysia lebih daripada 90 hari berturut-turut.
Nota: Senarai ini adalah tidak menyeluruh. Sila rujuk kontrak polisi bagi senarai penuh pengecualian di bawah rider ini.
Anda boleh membatalkan rider ini dengan memberi notis bertulis kepada Syarikat.
Anda hendaklah memaklumkan kepada kami jika terdapat sebarang perubahan butiran perhubungan anda bagi memastikan semua surat-menyurat dapat diserahkan kepada anda dengan sepatutnya.
Jika anda memerlukan maklumat lanjut, sila rujuk buku maklumat insurans yang relevan. Ia boleh didapati di semua cawangan kami atau anda boleh mendapatkan salinan daripada ejen insurans atau layari www.insuranceinfo.com.my. Sekiranya anda mempunyai sebarang pertanyaan, sila hubungi kami di: (93745-A) Ibu Pejabat : Menara Great Eastern, 303 Jalan Ampang, 50450 Kuala Lumpur Tel : (603) 4259 8888 Faks : (603) 4259 8000 Customer Service Careline : (603) 4259 8333 E-mel :
[email protected] Sila semak dengan ejen anda atau terus menghubungi Syarikat bagi mendapatkan maklumat berkenaan jenis perlindungan lain yang serupa. MANIVANNAN A/L GANESAN / 5795225 / U66 / V01 / 0310
Page 35 of 40
RAMACHANDRAN
Risalah Pemberitahuan Produk
Maklumat yang disediakan dalam pemberitahuan produk ini adalah sah pada 01/10/2010.
MANIVANNAN A/L GANESAN / 5795225 / U66 / V01 / 0310
Page 36 of 40
RAMACHANDRAN
Risalah Pemberitahuan Produk
Nota: Sila baca Risalah Pemberitahuan Produk ini sebelum anda memutuskan untuk mendapatkan IL Accidental Death and Dismemberment Benefits Rider. Pastikan terma dan syarat am telah dibaca. Nama Penyedia Perkhidmatan Kewangan : Great Eastern Life Assurance (Malaysia) Berhad (“Syarikat”) Nama Produk : IL Accidental Death and Dismemberment Benefits Rider Tarikh : 01/10/2010 __________________________________________________________________________________________________________
IL Accidental Death and Dismemberment Benefits Rider ialah rider dengan penolakan unit yang menyediakan perlindungan semasa kematian, Hilang Upaya Total dan Kekal (“TPD”) atau kecederaan, disebabkan semata-mata dan secara langsung oleh kemalangan. Ia turut didatangkan dengan bonus pembaharuan iaitu jumlah asurans bagi rider ini akan bertambah sebanyak 5% setiap tahun, berdasarkan jumlah asurans asal bagi rider sehingga maksimum 150% daripada jumlah asurans.
Jumlah asurans bagi rider ini ialah RM30,000. Manfaat akan dibayar sekiranya perkara berikut berlaku kepada hayat yang diasuranskan disebabkan semata-mata dan secara langsung oleh kemalangan: (a) kematian dalam tempoh 90 hari dari kemalangan – 1 kali jumlah asurans; (b) kematian dalam tempoh 90 hari dari kemalangan semasa menaiki pengangkutan awam (selain daripada kereta kabel, teksi, kereta sewa atau sebarang jenis pengangkutan yang disewa bagi perjalanan peribadi) atau lif elektrik atau akibat kebakaran sebarang teater atau pawagam – 1 kali jumlah asurans tambahan; (c) TPD yang berterusan bagi sekurang-kurangnya 6 bulan berturut-turut dari tarikh hilang upaya – 1 kali jumlah asurans tambahan; (d) hilang upaya kekal dalam tempoh 90 hari dari kecederaan kemalangan – suatu peratusan* daripada jumlah asurans; (e) kematian akibat kemalangan – elaun ihsan sebanyak 5% daripada jumlah asurans (tertakluk kepada maksimum RM5,000); tertakluk kepada terma dan syarat. * Tertakluk kepada had yang dinyatakan dalam kontrak polisi. Tempoh perlindungan: 46 tahun atau semasa penamatan, mana yang berlaku dahulu.
Tidak berkenaan bagi rider dengan penolakan unit. Sila rujuk soalan 4 di bawah untuk caj insurans. · ·
Caj insurans ditolak secara bulanan daripada nilai unit anda. Caj insurans adalah tidak dijamin dan berbeza mengikut klasifikasi pekerjaan pada setiap ulang tahun polisi. Huraian caj insurans dinyatakan dalam ilustrasi jualan dan/atau kontrak polisi.
Nota: Diskaun akan dikenakan ke atas caj insurans (tidak termasuk premium tambahan, jika ada) rider ini bagi empat tahun polisi pertama pelan asas yang dilampirkan dengan rider ini. Diskaun tidak dikenakan bagi rider ini jika ia dilampirkan bermula dari tahun polisi ke-5 pelan asas. · · ·
Kepentingan untuk membuat pendedahan – anda mestilah mendedahkan semua fakta yang material seperti keadaan perubatan, pekerjaan anda serta tuntutan peribadi, mana yang akan mempengaruhi profil risiko anda, jumlah polisi kemalangan diri yang anda beli daripada syarikat insurans yang lain (jika berkenaan). Tempoh memerhati bebas – anda boleh membatalkan rider dalam tempoh 15 hari selepas menerima polisi insurans. Syarikat akan membayar balik caj insurans yang dikenakan setelah ditolak sebarang bayaran perubatan yang ditanggung. Polisi luput – Rider ini akan luput apabila nilai unit pelaburan tidak mencukupi bagi membayar caj insurans.
Nota: Senarai ini adalah tidak menyeluruh. Sila rujuk kontrak polisi bagi terma dan syarat di bawah rider ini. · ·
Bunuh diri, percubaan membunuh diri atau kecederaan yang dilakukan sendiri, ketika waras atau tidak waras. Daripada penglibatan dalam pesawat udara selain daripada anak kapal atau sebagai penumpang yang membayar tambang dalam syarikat penerbangan komersil berlesen yang beroperasi pada laluan berjadual yang biasa.
Nota: Senarai ini adalah tidak menyeluruh. Sila rujuk kontrak polisi bagi senarai penuh pengecualian di bawah rider ini.
Anda boleh membatalkan rider ini dengan memberi notis bertulis kepada Syarikat.
Anda hendaklah memaklumkan kepada kami jika terdapat sebarang perubahan butiran perhubungan anda bagi memastikan semua surat-menyurat dapat diserahkan kepada anda dengan sepatutnya.
Jika anda memerlukan maklumat lanjut, sila rujuk buku maklumat insurans yang relevan. Ia boleh didapati di semua cawangan kami atau anda boleh mendapatkan salinan daripada ejen insurans atau layari www.insuranceinfo.com.my. Sekiranya anda mempunyai sebarang pertanyaan, sila hubungi kami di: (93745-A) Ibu Pejabat : Menara Great Eastern, 303 Jalan Ampang, MANIVANNAN A/L GANESAN / 5795225 / U72 / V00 / 0310
Page 37 of 40
RAMACHANDRAN
Tel Faks Customer Service Careline E-mel
Risalah Pemberitahuan Produk
: : : :
50450 Kuala Lumpur (603) 4259 8888 (603) 4259 8000 (603) 4259 8333
[email protected]
Sila semak dengan ejen anda atau terus menghubungi Syarikat bagi mendapatkan maklumat berkenaan jenis perlindungan lain yang serupa.
Maklumat yang disediakan dalam pemberitahuan produk ini adalah sah pada 01/10/2010.
MANIVANNAN A/L GANESAN / 5795225 / U72 / V00 / 0310
Page 38 of 40
RAMACHANDRAN
Risalah Pemberitahuan Produk
Nota: Sila baca Risalah Pemberitahuan Produk ini sebelum anda memutuskan untuk mendapatkan IL Waiver of Premium Plus Rider. Pastikan terma dan syarat am telah dibaca. Nama Penyedia Perkhidmatan Kewangan : Great Eastern Life Assurance (Malaysia) Berhad (“Syarikat”) Nama Produk : IL Waiver of Premium Plus Rider Tarikh : 01/10/2010 __________________________________________________________________________________________________________
IL Waiver of Premium Plus Rider ialah rider dengan penolakan unit yang mengenepikan premium semasa Hilang Upaya Total dan Kekal (“TPD”) atau penyakit kritikal.
Rider ini mengenepikan premium yang ditetapkan bagi: · TPD sebelum umur 70 tahun hari jadi berikutnya; atau · salah satu daripada 36 jenis penyakit kritikal berlaku, mana yang berlaku dahulu, tertakluk kepada tempoh perlindungan serta terma dan syarat. Tempoh perlindungan: 75 tahun atau semasa penamatan, mana yang berlaku dahulu.
Tidak berkenaan bagi rider dengan penolakan unit. Sila rujuk soalan 4 di bawah untuk caj insurans. · ·
Caj insurans ditolak secara bulanan daripada nilai unit anda. Caj insurans adalah tidak dijamin dan berbeza mengikut umur hari jadi berikut yang dicapai, jantina dan status merokok pada setiap ulang tahun polisi. Huraian caj insurans dinyatakan dalam ilustrasi jualan dan/atau kontrak polisi.
·
Kepentingan untuk membuat pendedahan – anda hendaklah mendedahkan semua fakta yang material seperti keadaan perubatan dan umur dengan betul. Tempoh memerhati bebas – anda boleh membatalkan rider dalam tempoh 15 hari selepas menerima polisi insurans. Syarikat akan membayar balik caj insurans yang dikenakan setelah ditolak sebarang bayaran perubatan yang ditanggung. Polisi luput – Rider ini akan luput apabila nilai unit pelaburan tidak mencukupi bagi membayar caj insurans. Tempoh menunggu – kelayakan untuk perlindungan penyakit kritikal hanya akan bermula 30 hari atau 60 hari (bergantung kepada jenis penyakit kritikal) selepas tarikh berkuat kuasa atau tarikh penguatkuasaan semula rider ini, mana yang kemudian.
· · ·
Nota: Senarai ini adalah tidak menyeluruh. Sila rujuk kontrak polisi bagi terma dan syarat di bawah rider ini. · · ·
Kecederaan badan yang dilakukan sendiri ketika waras atau tidak waras. Hilang Upaya Total dan Kekal yang sedia wujud sebelum atau pada tarikh risiko berkuat kuasa atau pada tarikh sebarang penguatkuasaan semula rider ini, mana yang kemudian. Penyakit kritikal yang sedia wujud sebelum atau pada tarikh risiko berkuat kuasa atau pada tarikh sebarang penguatkuasaan semula bagi rider ini, mana yang kemudian.
Nota: Senarai ini adalah tidak menyeluruh. Sila rujuk kontrak polisi bagi senarai penuh pengecualian di bawah rider ini.
Anda boleh membatalkan rider ini dengan memberi notis bertulis kepada Syarikat.
Anda hendaklah memaklumkan kepada kami jika terdapat sebarang perubahan butiran perhubungan anda bagi memastikan semua surat-menyurat dapat diserahkan kepada anda dengan sepatutnya.
Jika anda memerlukan maklumat lanjut, sila rujuk buku maklumat insurans yang relevan. Ia boleh didapati di semua cawangan kami atau anda boleh mendapatkan salinan daripada ejen insurans atau layari www.insuranceinfo.com.my. Sekiranya anda mempunyai sebarang pertanyaan, sila hubungi kami di: (93745-A) Ibu Pejabat : Menara Great Eastern, 303 Jalan Ampang, 50450 Kuala Lumpur Tel : (603) 4259 8888 Faks : (603) 4259 8000 Customer Service Careline : (603) 4259 8333 E-mel :
[email protected] Sila semak dengan ejen anda atau terus menghubungi Syarikat bagi mendapatkan maklumat berkenaan jenis perlindungan lain yang serupa.
MANIVANNAN A/L GANESAN / 5795225 / U78 / V00 / 0310
Page 39 of 40
