Vis2-A-Plus waiver-payor-payorCI fact sheet

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1 CI PROTECTION CONTINUOUS COVER WITHOUT INTERRUPTION Stay Protected During Unfortunate Events PT /0613 aia.com.my

2 1 CI CI 2, ensures your cover continues without interruption when an unfortunate event occurs. Be worry free with and CI as they ensure the continuity of your children s policies when unfortunate events happen to you. A closer look at the benefits..., and CI are optional premium paying riders attachable to a Traditional Life basic plan. shall waive all future premium of the basic plan of which this rider is attached to, upon being diagnosed with any one of the covered critical illnesses. and CI shall waive all future premium of the child policy until the child reaches age 25 when the payor suffers from disability, is diagnosed with any one of the covered critical illnesses or experiences loss of life. Summary of the benefits is as follows: Waiver of Premium Riders Death Benefits Disability Critical Illness The covered critical illnesses are as follow: Stroke Cancer Heart Attack End Stage Liver Failure End Stage Lung Disease End Stage Kidney Failure Primary Pulmonary Arterial Hypertension Coronary Artery By-Pass Surgery Other Serious Coronary Artery Disease Heart Valve Surgery Fulminant Viral Hepatitis Find the answers to your questions here Who is eligible for these riders? Surgery to Aorta Chronic Aplastic Anaemia Major Organ / Bone Marrow Transplant Blindness / Total Loss of Sight Loss of Speech Coma Deafness / Total Loss of Hearing Major Burns Multiple Sclerosis Paralysis / Paraplegia Muscular Dystrophy Alzheimer s Disease / Irreversible Organic Degenerative Brain Disorders Motor Neuron Disease Parkinson s Disease Terminal Illness Encephalitis Benign Brain Tumor Major Head Trauma Bacterial Meningitis Medullary Cystic Disease Brain Surgery Loss of Independent Existence Severe Cardiomyopathy HIV Due to Blood Transfusion Types of Rider Minimum Entry Age Maximum Entry Age CI* 14 days old 60 years old *te: CI must be purchased together with. 16 years old 60 years old CI 16 years old 60 years old

3 3 CI CI 4 What is the expiry age or term of these riders? Types of Rider CI Expiry Age / Term Age 100 or the expiry of the basic plan, whichever is earlier. Age 25 of the insured or the expiry of the basic plan, whichever is earlier. For payor, disability coverage is up to age 65. Age 25 of the insured or the expiry of the basic plan, whichever is earlier. How much annual premium do I have to pay? Annual premium rate (per RM 100 basic premium) for standard life, male, non-smoker, occupation class 1, if the rider is attached to A-LifeSecure: Types of Rider / Age 20 years old 35 years old (for 20 years term) CI (for 20 years term) RM 5.58 RM 1.56 RM 0.98 Will my premium increase as my age increase? Types of Rider CI Are the premiums for these riders guaranteed? RM RM 1.90 RM 3.05 The premium for is guaranteed. However, the premiums for and CI are not guaranteed and the Company reserves the right to revise the premiums by giving the policyholders 3 months written notice prior to the next policy anniversary. What are the fees and charges that I have to pay? Premium The premium rate is level and will not increase as your age increases. There are no fees and charges other than the premium payable. 45 years old RM RM 4.32 RM 9.60 Are the premiums paid for these riders eligible for income tax relief? Yes, the premiums paid for these riders may qualify you for personal tax relief, subject to the final decision of the Inland Revenue Board of Malaysia. For your attention 1. Exclusions a. This rider does not cover death due to suicide within 1 year from the Issue Date or Commencement Date of this rider, whichever is later. b. The standard exclusions for Total Permanent Disability are applicable. c. Any critical illness if: i. Pre-existing Conditions prior to the Issue Date or Commencement Date of this rider, whichever is later; or ii. The diagnosis of Fulminant Viral Hepatitis, Cancer, Encephalitis, Bacterial Meningitis, Alzheimer's Disease / Irreversible Organic Degenerative Brain Disorders or Terminal Illness of the insured was directly or indirectly due to an Acquired Immunodeficiency Syndrome (AIDS) or infection by any Human Immunodeficiency Virus (HIV); or iii. Cancer, Heart Attack, Coronary Artery By-Pass Surgery, Other Serious Coronary Artery Disease and/or Angioplasty And Other Invasive Treatments For Major Coronary Artery Disease, for which the signs or symptoms first occurred within 60 days following the Issue Date or Commencement Date of this rider, whichever is later; or iv. All other critical illnesses for which the signs or symptoms first occurred within 30 days following the Issue Date or Commencement Date of this rider, whichever is later; or v. The critical illness was diagnosed directly or indirectly due to a congenital defect or disease which has manifested or was diagnosed before the insured attains 17 years of age. te: The list is non-exhaustive. Please refer to the policy contract for the full list of exclusions. 2. Important tes a. You should satisfy yourself that this rider will best serve your needs and that the premium payable under this policy is an amount you can afford. b. If the basic policy of the Traditional Life insurance to which this rider is attached, is cancelled within the 15-day free look period, the full premium less medical expenses (if any) will be refunded. c. You are advised to refer to the sales illustration for further information. This write-up contains only a brief description of the product and is not exhaustive. It is recommended that you request for a copy of the AIA Sales Illustration to know more about this product. For a detailed explanation of its benefits, exclusions, terms and conditions, please refer to the policy contract.

4 5 CI CI 6 memastikan perlindungan anda berterusan tanpa gangguan apabila peristiwa yang tidak diingini berlaku. Bebas daripada kerisauan dengan dan CI kerana ia memastikan polisi-polisi anak anda berterusan apabila peristiwa yang tidak diingini berlaku kepada anda. Meneliti manfaat-manfaatnya, dan CI merupakan rider-rider pilihan yang boleh dilampirkan kepada pelan asas Hayat Tradisional. Kesemua premium masa hadapan pelan asas yang dilampirkan dengan akan diketepikan apabila anda didiagnosis dengan salah satu daripada penyakit kritikal yang dilindungi. Kesemua premium masa hadapan polisi anak anda yang dilampirkan dengan dan CI akan diketepikan sehingga anak anda mencapai umur 25 tahun apabila pembayar mengalami kehilangan upaya, didiagnosis dengan salah satu daripada penyakit kritikal yang dilindungi atau kematian. Ringkasan manfaat-manfaat adalah seperti berikut: Rider-Rider Penepian Premium Kematian Manfaat Hilang Upaya Penyakit Kritikal Penyakit-penyakit kritikal yang dilindungi adalah seperti berikut: Strok Kanser Serangan Jantung Kegagalan Hati Tahap Akhir Penyakit Paru-Paru Tahap Akhir Kegagalan Buah Pinggang Tahap Akhir Hipertensi Arteri Pulmonari Primer Pembedahan Pintasan Arteri Koronari Penyakit Arteri Koronari Lain Yang Serius Pembedahan Injap Jantung Hepatitis Virus Fulminan Pembedahan Aorta Anemia Aplastik Kronik Pemindahan Organ Utama / Sumsum Tulang Kebutaan / Hilang Penglihatan Menyeluruh Hilang Pertuturan Koma Kepekakan / Hilang Pendengaran Menyeluruh Melecur Teruk Sklerosis Berbilang Kelumpuhan / Paralegia Distrofi Otot Penyakit Alzheimer / Gangguan Kemerosotan Otak Organik Tidak Boleh Pulih Dapatkan jawapan kepada soalan-soalan anda di sini Siapakah yang layak membeli rider-rider ini? Penyakit Neuron Motor Penyakit Parkinson Penyakit Membawa Maut Ensefalitis Tumor Otak Benigna Trauma Kepala Utama Meningitis Bakteria Penyakit Sistik Medulari Pembedahan Otak Kehilangan Upaya Hidup Sendiri (Berdikari) Kardiomiopathi Teruk HIV Akibat Transfusi Darah Jenis Rider Umur Penyertaan Minimum Umur Penyertaan Maksimum 14 hari 60 tahun CI* 16 tahun 60 tahun *ta: CI mesti dibeli dengan. CI 16 tahun 60 tahun

5 7 CI CI 8 Apakah umur tamat atau tempoh tamat untuk rider-rider ini? Jenis Rider CI Umur / Tempoh Tamat Sehingga umur 100 tahun atau tempoh tamat pelan asas, yang mana lebih awal. Sehingga orang diinsuranskan berumur 25 tahun atau tempoh tamat pelan asas, yang mana lebih awal. Untuk pembayar, perlindungan hilang upaya adalah sehingga umur 65 tahun. Sehingga orang diinsuranskan berumur 25 tahun atau tempoh tamat pelan asas, yang mana lebih awal. Berapakah premium tahunan yang perlu saya bayar? Premium tahunan (untuk setiap RM 100 premium asas) bagi kesihatan standard, lelaki, bukan perokok, kelas pekerjaan 1, jika rider dilampirkan kepada A-LifeSecure: Jenis Rider / Umur 20 tahun 35 tahun RM 5.58 RM (untuk tempoh 20 tahun) CI (untuk tempoh 20 tahun) RM 1.56 RM 0.98 RM 1.90 RM 3.05 Adakah premium-premium untuk rider-rider ini terjamin? 45 tahun RM RM 4.32 RM 9.60 Adakah premium saya akan meningkat apabila umur saya meningkat? Jenis Rider CI Premium Kadar premium adalah tetap dan tidak akan meningkat apabila umur anda meningkat. Premium untuk adalah terjamin. Manakala, premium untuk dan CI adalah tidak terjamin dan Syarikat berhak untuk mengubah premium dengan memberi notis bertulis 3 bulan terdahulu kepada pemegang polisi sebelum ulang tahun polisi berikutnya. Apakah yuran-yuran dan caj-caj yang perlu saya bayar? yuran-yuran dan caj-caj yang lain selain daripada premium yang perlu dibayar. Adakah premium-premium yang dibayar untuk rider-rider ini layak mendapat pelepasan cukai? Ya, premium-premium yang dibayar untuk rider-rider ini melayakkan anda mendapat pelepasan cukai, tertakluk kepada keputusan muktamad Lembaga Hasil Dalam Negeri Malaysia. Untuk Perhatian Anda 1. Pengecualian a. Rider ini tidak melindungi kematian yang disebabkan membunuh diri dalam tahun pertama dari Tarikh Penyertaan atau Tarikh Mula rider, yang mana kemudian. b. Pengecualian standard bagi Hilang Upaya Menyeluruh dan Kekal dikenakan. c. Mana-mana penyakit kritikal jika: i. Keadaan Sedia Ada sebelum Tarikh Penyertaan atau Tarikh Mula rider, yang mana kemudian; atau ii. Diagnosis Hepatitis Virus Fulminan, Kanser, Ensefalitis, Meningitis Bakteria, Penyakit Alzheimer / Gangguan Kemerosotan Otak Organik Tidak Boleh Pulih atau Penyakit Membawa Maut yang disebabkan secara langsung atau tidak langsung oleh Sindrom Kurang Daya Tahan Penyakit (AIDS), atau jangkitan oleh sebarang Virus Kurang Daya Tahan Penyakit Manusia (HIV); atau iii. Kanser, Serangan Jantung, Pembedahan Pintasan Arteri Koronari, Penyakit Arteri Koronari Lain Yang Serius dan / atau Angioplasti dan Rawatan Pembedahan Lain Untuk Penyakit Arteri Koronari Utama dengan tanda-tanda atau gejala-gejala yang pertama kali berlaku dalam tempoh 60 hari selepas Tarikh Penyertaan atau Tarikh Mula rider, yang mana kemudian; atau iv. Penyakit kritikal yang lain dengan tanda-tanda atau gejala-gejala, yang pertama kali berlaku dalam tempoh 30 hari selepas Tarikh Penyertaan atau Tarikh Mula rider, yang mana kemudian; atau v. Penyakit kritikal didiagnosis yang disebabkan, secara langsung atau tidak langsung, akibat kecacatan kongenital atau penyakit yang ditunjukkan dengan jelas atau didiagnosis sebelum orang diinsuranskan mencapai umur 17 tahun. ta: Senarai ini adalah tidak menyeluruh. Sila rujuk kepada kontrak polisi untuk senarai pengecualian yang sepenuhnya. 2. ta-nota Penting a. Anda harus memastikan rider ini memenuhi keperluan anda dan anda mampu membayar amaun premium yang perlu dibayar di bawah polisi ini. b. Jika pelan asas Hayat Tradisional dimana rider ini dilampirkan kepada, dibatalkan dalam tempoh percubaan 15 hari, premium yang telah dibayar dikurangkan perbelanjaan perubatan (jika ada) akan dipulangkan sepenuhnya. c. Anda dinasihatkan supaya merujuk ilustrasi jualan untuk maklumat lanjut. Risalah ini hanya mengandungi keterangan ringkas mengenai produk ini dan tidak menyeluruh. Anda digalakkan untuk mendapatkan satu salinan Ilustrasi Jualan AIA untuk mengetahui dengan lebih lanjut mengenai produk ini. Untuk penjelasan terperinci berkenaan manfaat, pengecualian, terma dan syaratnya, sila rujuk kepada kontrak polisi.

6 9 CI CI 10, 确保您即使在不幸的事故发生后, 继续享有持续的保障 及 CI 让您安枕忧, 确保您孩子的保单在您发生不幸事故时, 继续提供保障 再仔细看看有关的利益, 以及 CI 是选择性附条并附加于传统人寿基本保单 若被诊断患上任何一种严重疾病时, 将豁免此附条附加于基本保单的所有未来保费 若付款人被诊断患上任何一种严重疾病, 残废或死亡时, 以及 CI 将豁免您孩子保单的所有未来保费, 直至您的孩子 25 岁为止 所涵盖的严重疾病如下 : 中风 癌症 心脏病 末期肝脏衰歇 末期肺病 末期肾衰竭 原发性肺动脉循环血压过高 冠状动脉绕道手术 其他严重冠状动脉疾病 心脏瓣膜手术 暴发性病毒肝炎 主动脉手术 慢性再生障碍性贫血 主要器官 / 骨髓移植 失明 / 完全丧失视力 失声 昏迷 失聪 / 完全失去听觉 严重烧伤 多发性硬化症 瘫痪 / 下半身麻痹 肌肉营养障碍症 阿尔兹海默氏痴呆症 / 法复原之脑部器官衰歇障碍 运动神经之疾病帕金森氏病末期疾病脑炎良性脑肿瘤严重头部创伤细菌脑膜炎肾脊的囊肿病症脑部手术失去独立生活的能力严重心肌病因输血而导致爱滋病 利益的总结如下 : 豁免保费附条 死亡 利益 残废 严重疾病 在此寻找您问题的答案 谁符合资格购买这些附条? 附条类型最低投保年龄最高投保年龄 14 天 60 岁 CI* 16 岁 60 岁 * 备注 : CI 需与 一同购买 CI 16 岁 60 岁

7 11 CI CI 12 这些附条的届满年龄或期限是多久? 附条类型 CI 我该缴付的年度保费是多少? 届满年龄 / 期限 100 岁或基本保单届满, 视何者为先 受保人 25 岁或基本保单届满, 视何者为先 至于付款人, 残废保障则至 65 岁 受保人 25 岁或基本保单届满, 视何者为先 根据拥有标准健康, 非抽烟者及职业等级 1 的男性年度保费 ( 每 RM 100 的基本保费 ), 若附加于 A-LifeSecure: 附条类型 / 年龄 20 岁 35 岁 ( 于 20 年的期限 ) CI ( 于 20 年的期限 ) RM 5.58 RM 1.56 RM 0.98 保费是否会随着我的年龄增长而增加? 附条类型 CI RM RM 1.90 RM 3.05 保费 45 岁 RM RM 4.32 RM 9.60 其保费率是固定的以及不会随着您的年龄增长而增加 敬请留意 : 1. 不受保情形 a. 此附条并不保障在保单发出日期或生效日期的一年内, 视何者为后, 因自杀而导致的死亡 b. 一般的完全及永久残废之不受保情形也适用于此附条 c. 若因以下的情形所导致的严重疾病将不会支付 : i. 在附条发出日期或生效日期之前即已存在的症状 ; 或 ii. 爱滋病或因爱滋病病毒感染直接或间接所导致的暴发性病毒肝炎, 癌症, 脑炎, 细菌脑膜炎, 阿尔兹海默氏痴呆症 / 法复原之脑部器官衰歇障碍或末期疾病 ; 或 iii. 癌症 心脏病 冠状动脉绕道手术 其他严重冠状动脉疾病和 / 或血管成形手术及其他有侵略性的严重冠状动脉疾病治疗的迹象或症状, 发生在附条发出日期或生效日期后的 60 天内, 视何者为后 ; 或 iv. 其他严重疾病的迹象或症状, 发生在附条发出日期或生效日期后的 30 天内, 视何者为后 ; 或 v. 因先天性缺陷或疾病直接或间接所导致的的严重疾病, 并在受保人未满 17 岁即获证实或被诊断出来 备注 : 此不受保情形并不详尽 请参阅保单契约以获取详细的不受保情形 2. 重要备注 a. 您应确保此附条最能迎合您的需求以及您有能力负担在此保单所须缴付之保费 b. 如果此附条附加于的传统人寿保单在 15 天的免费阅览期内撤消, 您已缴付之保费数额, 减去医药开销 ( 若有 ), 将全数退还 c. 请您参考销售说明书以获取进一步的详情 这些附条的保费是否获得保证? 的保费是受保证的 但是, 以及 CI 的保费是不受保证的 公司有权修改其保费, 并在下一个保单周年的 3 个月之前, 以书面通知保单持有人 我该支付的费用及收费是多少? 除了保费, 您需缴付其他的费用及收费 这些附条的保费是否享有税务减免? 是的, 这些附条的保费可让享有个人税务减免, 惟需经过马来西亚内陆税收局的最终决定 此小册子仅包含了产品的概要简述, 并不详尽 因此建议您参考 AIA 销售说明书以更了解此产品 欲获取详细的保单利益, 不受保情形, 规则与条款, 请参阅您的保单契约

8 About AIA Bhd. AIA Bhd. is a leading insurer in Malaysia, where we have been fortunate to do business since We offer a suite of high quality products including Protection, Health, Personal Accident, General Insurance, Employee Benefits and Family Takaful options to meet our customers protection and financial security needs at every juncture of their lives. Through our wide and diverse distribution footprint which comprises a tied agency force of over 16,000 members, our exclusive bank partner s branches nationwide as well as corporate sales teams and brokers, we give our customers the choice of deciding how, when and where they connect with us. Part of the AIA Group, the largest independent publicly listed pan-asian life insurance group, AIA in Malaysia has the financial strength, experience, service centre network as well as a well-trained team of more than 2,000 staff to serve its over 2.6 million customers nationwide. As at end 2011, AIA Bhd. s total asset worth was RM21 billion, with a paid-up capital of RM242 million. Contact Us & Find Out More If you have any further queries, kindly contact your AIA Life Planner / AIA authorized representative at: Mengenai AIA Bhd. AIA Bhd. merupakan sebuah syarikat insurans yang terulung di Malaysia, di mana kami bertuah kerana dapat melakar sejarah perkhidmatan di Malaysia semenjak tahun 1948 lagi. Kami menawarkan pelbagai rangkaian produk berkualiti tinggi termasuk perkhidmatan Perlindungan, Kesihatan, Kemalangan Diri, Insuran Am, Manfaat Pekerja dan Takaful Keluarga yang memenuhi keperluan pelanggan kami demi menjamin perlindungan dan keselamatan kewangan pada setiap tahap kehidupan mereka. Melalui rangkaian agihan kami yang luas dan merangkumi pelbagai bentuk termasuk kekuatan tenaga agensi yang melebihi 16,000 ahli, cawangan eksklusif rakan niaga kami di seluruh negara serta pasukan jualan korporat dan broker, kami memberi pilihan kepada pelanggan untuk menentukan bagaimana, bila dan di mana mereka ingin berhubung dengan kami. Sebagai sebahagian dari AIA Group yang merupakan kumpulan insurans nyawa pan-asia bebas senaraian awam yang terbesar, AIA Malaysia memiliki sokongan kukuh dari segi kekuatan kewangan, pengalaman, rangkaian pusat perkhidmatan serta pasukan tenaga kerja terlatih melebihi 2,000 pekerja yang bersedia untuk memberikan perkhidmatan yang terbaik kepada lebih 2.6 juta pelanggan di seluruh Negara. Pada penghujung 2011, nilai keseluruhan aset AIA Bhd. adalah sebanyak RM21 bilion dengan modal berbayar sebanyak RM242 juta. 大马友邦保险简介大马友邦保险有限公司 (AIA Bhd.) 领先于马来西亚保险业市场, 并于 1948 年在马来西亚开始运作 我们提供一系列高品质的产品, 包括保障 健康 个人意外 普通保险 雇员福利保险及回教保险以迎合客户们在生命中每一个阶段的健康与财务保障需求 透过广泛及多元的经销管道, 包括一万六千名代理员, 首选银行合作伙伴于全国的分行以及企业行销团队和中介员, 让客户可以选择他们喜欢的方式 时间和地点与我们联系 大马友邦保险是友邦保险集团, 最大的泛亚地区独立上市人寿保险集团, 属下的成员公司 大马友邦保险拥有雄厚的财力 丰富的经验 广泛的服务中心网络及受过良好训练的逾两千名员工为全国各地超过 260 万名客户提供服务 截至 2011 年, 大马友邦保险的总资产为 210 亿令吉, 而缴足资本为 2.42 亿令吉 AIA Bhd. ( D) Menara AIA, 99 Jalan Ampang Kuala Lumpur Care Line : T : F : AIA.COM.MY AIA Bhd. is licensed under the Insurance Act 1996 and regulated by the Central Bank of Malaysia (Bank Negara Malaysia).

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