HEALTH A-Plus Junior CriticalCare A closer look at the benefits Medical advancements for the treatment and early detection of critical illnesses have

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "HEALTH A-Plus Junior CriticalCare A closer look at the benefits Medical advancements for the treatment and early detection of critical illnesses have"

Transcription

1 HEALTH A-Plus Junior CriticalCare Early-Stage Protection for Juvenile Specific Critical Illnesses PT /0517 aia.com.my

2 HEALTH A-Plus Junior CriticalCare A closer look at the benefits Medical advancements for the treatment and early detection of critical illnesses have improved our chances of recovery. A-Plus Junior CriticalCare provides you with financial support if your child is diagnosed with a juvenile specific critical illness that is in its early stages. List of the Juvenile Specific Critical Illnesses: No. Critical Illness Category Low Severity (30%) High Severity (100%) 1 Cancer and Tumor Carcinoma in situ Major Cancer 2 Asthma Severe Asthma Persistent Severe Asthma A-Plus Junior CriticalCare provides your child with coverage for juvenile specific critical illnesses at its early stage. There are 32 juvenile critical illnesses covered under this rider, for both low and high severity levels. You will receive a percentage (%) of the coverage amount as a lump sum payment, depending on the severity of the illness Type 1 Diabetes Kawasaki Juvenile Rheumatoid Arthritis Insulin Dependent Diabetes Mellitus (on diagnosis) Kawasaki Disease (on diagnosis) Severe Juvenile Rheumatoid Arthritis (on diagnosis) Juvenile Insulin Dependent Diabetes Mellitus Severe Kawasaki Disease with Heart Complications Persistent Severe Juvenile Rheumatoid Arthritis COMPREHENSIVE JUVENILE SPECIFIC CRITICAL ILLNESSES COVERAGE Severity Level Low Severity High Severity % of Coverage Amount 30% per Critical Illness Category 100% per Critical Illness Category No benefit will be payable for future claims under low severity of the same Critical Illness Category. Each time you make a claim, the coverage under this rider will reduce by the amount that was paid out to you 1. Your child will be protected under this rider until 100% of the coverage amount has been paid to you Epilepsy Encephalitis Bacterial Meningitis Glomerulonephritis with Nephrotic Syndrome Intellectual Impairment due to illnesses or accident Status Epilepticus requiring intubation and ventilator support Encephalitis with full recovery Bacterial Meningitis with full recovery Acute Glomerulonephritis (on diagnosis) Intellectual Impairment due to illnesses or accident (on diagnosis) Severe Epilepsy Encephalitis with permanent neurological deficits Bacterial Meningitis with permanent neurological deficits Persistent Glomerulonephritis with Nephrotic Syndrome Persistent Intellectual Impairment due to illnesses or accident NO WAITING PERIOD BETWEEN CLAIMS You can make multiple claims, up to a maximum of 100% of the coverage amount, with no waiting period between each claim Adolescent Morbid Obesity Nephrotic Syndrome Blindness Burns Adolescent Morbid Obesity (on diagnosis) Nephrotic Syndrome requiring hospitalisation Loss of sight in One Eye Second Degree Burns Adolescent Morbid Obesity (requiring surgery) Severe Relapsing Nephrotic Syndrome Total Permanent Blindness Severe Burns 15 Cholangitis Biliary Atresia (on diagnosis) Biliary Atresia having undergone Liver transplantation 16 Aplastic Anaemia Reversible Aplastic Anaemia Irreversible Aplastic Anaemia 1 Any claims payable under this rider shall not reduce the coverage amount of the basic plan. 1 2

3 How A-Plus Junior CriticalCare works? Assuming Ms. A bought A-Plus Junior CriticalCare with a coverage amount of RM100,000, the benefit payout will be based on one of the scenarios illustrated below: SCENARIO 1 SAME CRITICAL ILLNESS CATEGORY Claim 1 st claim 2 nd claim SCENARIO 2 DIFFERENT CRITICAL ILLNESS CATEGORY Claim 1 st claim 2 nd claim 3 rd claim Critical Illness Category Cancer and Tumor Cancer and Tumor Critical Illness Category Cancer and Tumor Intellectual Impairment due to illnesses or accident Kawasaki Juvenile Specific Critical Illnesses Carcinoma in situ Major Cancer Juvenile Specific Critical Illnesses Carcinoma in situ Intellectual Impairment due to illnesses or accident (on diagnosis) Severe Kawasaki Disease with Heart Complications Severity Level Low severity High severity Severity Level Low severity Low severity High severity % of Coverage Amount 30% 100% % of Coverage Amount Payout RM30,000 (RM100,000 X 30%) RM70,000 1 ([RM 100,000 X 100%]) RM30,000) Total payout = RM30,000 + RM70,000 = RM100,000 30% 30% 100% Total payout = RM30,000 + RM30,000 + RM40,000 = RM100,000 Payout RM30,000 (RM100,000 X 30%) RM30,000 2 (RM100,000 X 30%) RM40,000 3 ([RM100,000 X 100%] [RM30,000 + RM30,000]) Frequently asked questions Q: What is A-Plus Junior CriticalCare? A-Plus Junior CriticalCare is a unit deducting rider that you can attach to a regular premium Investment-Linked Insurance plan. This rider provides coverage for up to 32 juvenile specific critical illnesses with low and high severity levels. Q: Who is eligible to buy A-Plus Junior CriticalCare? You can apply for your child aged between 14 days and 15 years old. Pregnant women aged between 18 and 45 years old who are under 35 weeks pregnant can also apply for this rider. However, only A-Life Lady360 customer aged between 18 and 40 years old can purchase this rider together with A-Life Joy when they are under 14 weeks pregnant. Q: What is the coverage period for A-Plus Junior CriticalCare? This rider covers your child until he or she turns 18 years old. Q: What is the minimum coverage amount that I can purchase for A-Plus Junior CriticalCare? You can purchase a minimum coverage amount of RM10,000 for A-Plus Junior CriticalCare. Q: What is the Cost of Insurance that I have to pay? The table below provides an indicative Cost of Insurance (per RM1,000 coverage amount) for a male of standard health: Child s age 5 years old 10 years old 15 years old A-Plus Junior CriticalCare RM3.82 RM2.62 RM2.39 The Cost of Insurance indicated above includes Goods and Services Tax (GST) of 6%. Q: Is the Cost of Insurance for A-Plus Junior CriticalCare guaranteed? The Cost of Insurance for this rider is not guaranteed and the Company reserves the right to revise the Cost of Insurance by giving the policyholders 3 months written notice. Q: What are the fees and charges that I have to pay? There are no fees and charges other than the Cost of Insurance. Q: Are the premiums paid for A-Plus Junior CriticalCare eligible for income tax relief? Yes, the premiums apportioned to this unit-deducting rider may qualify you for personal tax relief of up to RM3,000 per annum for medical and education insurance, subject to the final decision of the Inland Revenue Board of Malaysia. 1 As we have paid the 1 st claim under Low Severity, we will pay out the 2 nd claim after deducting the amount of the first claim. 2 We will pay the 2 nd claim as it falls under a different Critical Illness Category from the 1 st claim. 3 We will pay the 3 rd claim after deducting the amounts of the 1 st and 2 nd claims. 3 4

4 Q: What are the major exclusions for A-Plus Junior CriticalCare? This rider does not cover: Any illness or surgery that is not for a Juvenile Specific Critical Illness defined in this rider. A Juvenile Specific Critical Illness for which the signs or symptoms first occurred within sixty (60) days from the Issue Date or Commencement Date of this rider, whichever is later. A Juvenile Specific Critical Illness that arises directly or indirectly from a condition that existed prior to the Issue Date or Commencement Date of this rider, whichever is later. A Juvenile Specific Critical Illness which we believe was caused directly or indirectly by the existence of Acquired Immune Deficiency Syndrome (AIDS) or by the presence of any Human Immunodeficiency Virus (HIV) infection. We reserve the right to require the person covered to undergo a blood test for HIV before we accept any claim application. We will make an exception if the HIV is contracted due to a blood transfusion. In this rider: (a) the definition of AIDS shall be that used by the World Health Organization in 1987, or any subsequent revision by the World Health Organization of that definition. (b) infection shall be deemed to have occurred where blood or other relevant test(s) lead us to believe that there is either the presence of any HIV or Antibodies to such a Virus. Any Juvenile Specific Critical Illness that is of the same severity as a previous Juvenile Specific Critical Illness claim. Any Juvenile Specific Critical Illness that was diagnosed due, directly or indirectly, to a congenital defect or disease, which manifested or was diagnosed before the person covered turned seventeen (17) years old. Any Juvenile Specific Critical Illness caused by self-destruction, intentional self-inflicted injuries, willful exposure to danger or any attempt of self-destruction while sane or insane. Any Juvenile Specific Critical Illness resulting directly from alcohol or drug abuse. Any Juvenile Specific Critical Illness resulting from declared or undeclared war, strikes, riots, civil war, revolution or any warlike operations. Any Juvenile Specific Critical Illness resulting from engaging in air travel, unless you are a fare-paying passenger in a properly licensed commercial aircraft, or participation in hazardous pursuits/professional sports. Any event giving rise to a claim (including death) on the Insured, caused directly or indirectly by the intentional act of the Owner or any other person(s) who will be entitled to the benefits payable. If the person covered does not survive for at least thirty (30) days after being diagnosed with a Juvenile Specific Critical Illness. For your attention: General disclosures: 1. You should be absolutely certain that this rider meets your financial protection needs and that you can afford the premiums for this policy. 2. If the basic policy of the Investment-Linked Insurance to which this rider is attached, is cancelled within the 15-day free look period, the unallocated premiums of the basic policy, value of units (if any), any insurance charges and Monthly Service Charge that have been deducted less medical expenses (if any) will be refunded. 3. The Cost of Insurance for this rider is not guaranteed and the Company reserves the right to revise the Cost of Insurance by giving the policyholders 3 months written notice. 4. The Service Charge quoted is inclusive of the prevailing GST rate of 6% which may be subject to change. Please note that the Company reserves the right to revise the Monthly Service Charge by giving the policyholders 3 months written notice. 5. You are advised to refer to the sales illustration for further information. 6. You should ensure that important information regarding this rider is disclosed to you and you understand the information disclosed. If there is ambiguity, you should seek clarification from the Company. 7. Should you require additional information about medical and health insurance, you may also refer to the insurance info booklet on Medical and Health Insurance available at all our branches or you can obtain a copy from your AIA Life Planner or visit com.my. 8. It may not be advantageous to switch from one health plan to another, as you may be subject to new underwriting requirements, full waiting period and any applicable period for the exclusion of specific illnesses/ pre-existing conditions of the new plan. Goods and Services Tax (GST) Please note that a Goods and Services Tax (GST) will be chargeable at the prevailing rate on the Cost of Insurance for the taxable riders of your policy, if attached to your policy. The GST is also chargeable on the fees and charges applicable to your policy. These amounts will be deducted from the account value of your policy. 5 This brochure contains only a brief description of the product and is not exhaustive. It is recommended that you request for a copy of the 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. 6

5 HEALTH A-Plus Junior CriticalCare Meneliti manfaat-manfaatnya Kemajuan perubatan untuk rawatan dan pengesanan awal penyakit kritikal telah meningkatkan peluang kita untuk pulih. A-Plus Junior CriticalCare menyediakan sokongan kewangan untuk anda sekiranya anak anda didiagnosis dengan penyakit kritikal khusus juvenil pada peringkat awal. PERLINDUNGAN PENYAKIT KRITIKAL JUVENIL KHUSUS YANG MENYELURUH TIADA TEMPOH MENUNGGU DI ANTARA TUNTUTAN A-Plus Junior CriticalCare memberikan anak anda perlindungan ke atas penyakit kritikal khusus juvenil pada peringkat awal. Terdapat sejumlah 32 penyakit kritikal juvenil yang dilindungi di bawah rider ini, untuk kedua-dua tahap keparahan rendah dan tinggi. Anda akan menerima peratusan (%) daripada amaun perlindungan sebagai bayaran sekali gus, bergantung kepada keparahan penyakit. Tahap Rendah Tinggi Peratusan (%) Amaun Perlindungan 30% setiap Kategori Penyakit Kritikal 100% setiap Kategori Penyakit Kritikal Tiada manfaat akan dibayar untuk tuntutan seterusnya di bawah tahap keparahan rendah di dalam kategori penyakit kritikal yang sama. Setiap kali anda membuat tuntutan, amaun perlindungan di bawah pelan ini akan berkurang dengan jumlah yang telah dibayar kepada anda 1. Anda akan dilindungi di bawah rider ini sehinggalah 100% daripada amaun perlindungan telah dibayar kepada anda. Anda boleh membuat tuntutan, sehingga maksimum 100% daripada amaun perlindungan anda, tanpa tempoh menunggu antara setiap tuntutan. Senarai Penyakit Kritikal Khusus Juvenil: Kategori Penyakit No. Rendah (30%) Tinggi (100%) Kritikal Kanser dan Tumor Asma Diabetes Jenis 1 Kawasaki Artritis Reumatoid Juvenil Epilepsi Ensefalitis Meningitis Bakteria Glomerulonefritis dengan Sindrom Nefrotik Kecacatan Intelektual akibat penyakit atau kemalangan Obesiti Morbid Remaja Sindrom Nefrotik Buta Melecur Kolangitis Anemia Aplastik Karsinoma in situ Asma Teruk Diabetes Melitus Bergantung kepada Kemasukan Insulin (semasa diagnosis) Penyakit Kawasaki (semasa diagnosis) Artritis Reumatoid Juvenil Teruk (semasa diagnosis) Status Epileptikus yang memerlukan intubasi dan sokongan alat bantuan pernafasan Ensefalitis dengan pemulihan penuh Meningitis Bakteria dengan pemulihan penuh Glomerulonefritis Akut (semasa diagnosis) Kecacatan Intelektual akibat penyakit atau kemalangan (semasa diagnosis) Obesiti Morbid Remaja (semasa diagnosis) Sindrom Nefrotik memerlukan kemasukan hospital Kehilangan Penglihatan pada Sebelah Mata Melecur Darjah Kedua Atresia Hempedu (semasa diagnosis) Anemia Aplastik Boleh Pulih Kanser Utama Asma Teruk Berterusan Diabetes Melitus Juvenil Bergantung Kepada Insulin Penyakit Kawasaki Teruk dengan Kerumitan Jantung Artritis Reumatoid Juvenil Teruk yang Berterusan Epilepsi Teruk Ensefalitis dengan defisit neurologi kekal Meningitis Bakteria dengan defisit neurologi kekal Glomerulonefritis berterusan dengan Sindrom Nefrotik Kecacatan Intelektual yang berterusan akibat penyakit atau kemalangan Obesiti Morbid Remaja (pembedahan diperlukan) Sindrom Nefrotik Berulang Teruk Kebutaan Menyeluruh Melecur Teruk Atresia Hempedu selepas menjalani pemindahan Hati Anemia Aplastik Tidak Boleh Pulih 1 Sebarang tuntutan yang akan dibayar di bawah rider ini tidak akan mengurangkan amaun perlindungan bagi pelan asas. 7 8

6 Bagaimana A-Plus Junior CriticalCare berfungsi? Dengan mengandaikan Cik A membeli A-Plus Junior CriticalCare dengan amaun perlindungan sebanyak RM100,000, pembayaran manfaat adalah berdasarkan kepada salah satu daripada senario yang ditunjukkan di bawah: SENARIO 1 KATEGORI PENYAKIT KRITIKAL YANG SAMA Soalan-soalan yang sering ditanya S: Apakah A-Plus Junior CriticalCare? A-Plus Junior CriticalCare merupakan rider potongan unit yang boleh dilampirkan kepada pelan Insurans berkaitan pelaburan dengan premium tetap. Rider ini menyediakan perlindungan sehingga 32 penyakit kritikal khusus juvenil dengan tahap keterukan rendah dan tinggi. Tuntutan Kategori Penyakit Kritikal Penyakit Kritikal Juvenil Khusus Tahap % Amaun Perlindungan Pembayaran S: Siapakah yang layak membeli A-Plus Junior CriticalCare? Anda boleh memohon untuk anak anda yang berumur di antara 14 hari dan 15 tahun. Tuntuan pertama Tuntutan ke-2 Kanser dan Tumor Kanser dan Tumor Karsinoma in situ Kanser Utama Rendah Tinggi SENARIO 2 KATEGORI PENYAKIT KRITIKAL YANG BERBEZA Tuntutan Tuntuan pertama Tuntuan ke-2 Tuntutan ke-3 Kategori Penyakit Kritikal Kanser dan Tumor Kecacatan Intelektual akibat penyakit atau kemalangan Kawasaki Penyakit Kritikal Juvenil Khusus Karsinoma in situ Kecacatan Intelektual akibat penyakit atau kemalangan (atas diagnosis) Penyakit Kawasaki Teruk dengan Kerumitan Jantung RM30,000 (RM100,000 X 30%) RM70,000 1 ([RM100,000 x 100%]) RM30,000) 1 Oleh kerana kami telah membayar tuntutan pertama di bawah Rendah, kami akan membayar tuntutan ke-2 selepas menolak amaun yang dibayar untuk tuntutan pertama. 2 Kami akan membayar tuntutan ke-2 kerana ianya adalah daripada Kategori Penyakit Kritikal yang berbeza daripada tuntutan pertama. 3 Kami akan membayar tuntutan ke-3 setelah menolak amaun tuntutan bagi tuntutan pertama dan tuntutan ke-2. 30% 100% Jumlah bayaran = RM30,000 + RM70,000 = RM100,000 Tahap Rendah Rendah Tinggi % Amaun Perlindungan 30% 30% 100% Pembayaran RM30,000 (RM100,000 X 30%) RM30,000 2 (RM100,000 X 30%) RM40,000 3 ([RM100,000 X 100%] [RM30,000 + RM30,000]) Jumlah bayaran = RM30,000 + RM30,000 + RM40,000 = RM100,000 Wanita mengandung yang berumur di antara 18 dan 45 tahun yang berada di bawah 35 minggu kehamilan juga boleh memohon rider ini. Namun begitu, hanya pelanggan A-Life Lady360 yang berumur di antara 18 dan 40 tahun layak memohon rider ini dengan A-Life Joy semasa mengandung kurang dari 14 minggu kehamilan. S: Apakah tempoh perlindungan untuk A-Plus Junior CriticalCare? Rider ini melindungi anak anda sehingga umur 18. S: Berapakah amaun perlindungan minimum yang boleh saya beli untuk A-Plus Junior CriticalCare? Amaun perlindungan minimum yang boleh anda beli untuk A-Plus Junior CriticalCare adalah sebanyak RM10,000. S: Berapakah Kos Insurans yang perlu saya bayar? Sila rujuk kepada jadual di bawah untuk Kos Insurans indikatif (bagi setiap RM1,000 amaun perlindungan) bagi lelaki dengan kesihatan standard: Umur anak Umur 5 Umur 10 Umur 15 A-Plus Junior CriticalCare RM3.82 RM2.62 RM2.39 Kos Insurans indikatif di atas termasuk Cukai Barangan dan Perkhidmatan (GST) pada kadar 6%. S: Adakah Kos Insurans untuk A-Plus Junior CriticalCare terjamin? Kos Insurans untuk pelan ini adalah tidak terjamin dan Syarikat berhak untuk mengubah Kos Insurans dengan memberi notis 3 bulan terdahulu kepada pemegang polisi. S: Apakah yuran-yuran dan caj-caj yang saya perlu bayar? Tidak ada sebarang yuran dan caj selain daripada Kos Insurans. S: Adakah premium-premium yang dibayar untuk A-Plus Junior CriticalCare layak mendapat pelepasan cukai? Ya, premium-premium yang diagihkan kepada rider potongan unit ini boleh melayakkan anda untuk mendapat pelepasan cukai perseorangan sehingga RM3,000 setahun untuk insurans perubatan dan pendidikan, tertakluk kepada keputusan muktamad Lembaga Hasil Dalam Negeri Malaysia. 9 10

7 S: Apakah pengecualian-pengecualian utama untuk A-Plus Junior CriticalCare? Rider ini tidak melindungi: Sebarang penyakit atau pembedahan selain daripada yang didiagnosis dengan penyakit kritikal khusus juvenil. Tanda-tanda atau gejala-gejala penyakit kritikal khusus juvenil yang timbul dalam tempoh enam puluh (60) hari dari Tarikh Penyertaan atau Tarikh Mula Kontrak Tambahan, yang mana kemudian; atau Penyakit kritikal khusus juvenil timbul secara langsung atau tidak langsung daripada Keadaan Sedia Ada, yang wujud sebelum Tarikh Penyertaan atau Tarikh Mula Kontrak Tambahan ini, yang mana kemudian; atau Penyakit kritikal khusus juvenil, yang pada pendapat Kami, disebabkan secara langsung atau tidak langsung oleh kewujudan Sindrom Kurang Daya Tahan Melawan Penyakit (AIDS) atau kehadiran sebarang jangkitan Virus Kurang Daya Tahan Manusia (HIV). Kami berhak untuk mengarahkan Insured menjalani ujian darah untuk HIV sebagai syarat lazim untuk penerimaan sebarang tuntutan. Pengecualian adalah apabila jangkitan HIV adalah melalui transfusi darah. Bagi tujuan rider ini: (a) Takrifan AIDS akan merupakan apa yang digunakan oleh Pertubuhan Kesihatan Sedunia pada tahun 1987, atau semakan terbarunya oleh Pertubuhan Kesihatan Sedunia akan takrifan itu (b) Jangkitan hendaklah dianggap telah berlaku di mana ujian darah atau sebarang ujian lain menandakan pendapat Kami tentang kewujudan sebarang HIV atau Antibodi terhadap Virus seperti itu Penyakit kritikal khusus juvenil adalah dalam tahap yang sama dengan tuntutan penyakit kritikal juvenil khusus sebelumnya; Sebarang penyakit kritikal khusus juvenil yang telah didiagnosis disebabkan, secara langsung atau tidak langsung, akibat kecacatan kongenital atau penyakit yang ditunjukkan dengan jelas atau didiagnosis sebelum Insured mencapai umur tujuh belas (17) tahun. Sebarang penyakit kritikal khusus juvenil yang disebabkan oleh kemusnahan diri, kecederaan diri yang disengajakan, pendedahan sengaja kepada bahaya atau sebarang percubaan kemusnahan diri sama ada semasa siuman atau tidak siuman; atau Sebarang penyakit kritikal khusus juvenil yang disebabkan secara langsung daripada penyalahgunaan alkohol atau dadah; atau Sebarang penyakit kritikal khusus juvenil yang disebabkan oleh peperangan, sama ada diisytiharkan atau tidak, mogok, rusuhan, perang saudara, revolusi atau sebarang operasi mirip peperangan; atau Sebarang penyakit kritikal khusus juvenil yang timbul daripada perjalanan udara melainkan sebagai penumpang yang membayar tambang dalam pesawat komersial yang mempunyai lesen sewajarnya atau penyertaan dalam kegiatan berbahaya/sukan profesional; atau Sebarang kejadian yang menimbulkan tuntutan (termasuk kematian) terhadap Insured, yang disebabkan secara langsung atau tidak langsung oleh tindakan sengaja Pemilik atau mana-mana orang lain yang layak untuk menerima manfaat yang akan dibayar; atau Penyakit kritikal khusus juvenil di mana Insured tidak hidup untuk sekurang-kurangnya tiga puluh (30) hari selepas diagnosis penyakit kritikal khusus juvenil. Untuk perhatian anda: Pendedahan am: 1. Anda harus memastikan pelan ini memenuhi keperluan anda dan anda mampu membayar amaun premium yang perlu dibayar di bawah polisi ini. 2. Jika pelan asas Insurans Berkaitan Pelaburan di mana rider ini dilampirkan kepada, dibatalkan dalam tempoh percubaan 15 hari, premium polisi asas yang tidak diperuntukkan, nilai unit (jika ada), sebarang caj insurans dan Caj Perkhidmatan Bulanan yang telah ditolak dikurangkan perbelanjaan perubatan (jika ada) akan dipulangkan sepenuhnya. 3. Kos Insurans untuk pelan ini adalah tidak dijamin dan Syarikat berhak untuk menyemak semula Kos Insurans dengan memberi pemegang polisi notis bertulis 3 bulan. 4. Caj Perkhidmatan dipetik adalah termasuk kadar GST semasa sebanyak 6% yang mungkin tertakluk kepada perubahan. Sila ambil perhatian bahawa Syarikat berhak untuk menyemak semula Caj Perkhidmatan Bulanan dengan memberi pemegang polisi notis bertulis 3 bulan. 5. Anda dinasihatkan supaya merujuk ilustrasi jualan untuk maklumat lanjut. 6. Anda hendaklah memastikan bahawa maklumat penting mengenai rider ini dinyatakan kepada anda dan anda memahami maklumat yang dinyatakan itu. Jika terdapat ketidakpastian, anda hendaklah mendapatkan penjelasan daripada Syarikat. 7. Sekiranya anda memerlukan maklumat tambahan mengenai insurans perubatan dan kesihatan, anda juga boleh merujuk buku kecil info insurans mengenai Insurans Perubatan Dan Kesihatan yang boleh didapati di semua cawangan kami atau anda boleh mendapatkan satu naskah daripada Perancang Hayat AIA atau kunjungi 8. Adalah tidak menguntungkan untuk bertukar daripada satu pelan kesihatan kepada pelan kesihatan yang lain kerana anda mungkin tertakluk kepada keperluan penajajaminan yang baru, tempoh tangguh penuh dan sebarang tempoh yang dikenakan bagi pengecualian penyakit-penyakit tertentu / keadaan sedia ada dalam pelan baru itu. Cukai Barangan dan Perkhidmatan (GST): Sila maklum bahawa Cukai Barangan dan Perkhidmatan (GST) akan dikenakan ke atas Kos Insurans pada kadar semasa untuk rider-rider bercukai polisi anda, jika dilampirkan bersama polisi anda. GST juga dikenakan ke atas yuran dan caj yang dikenakan ke atas polisi anda. Amaun-amaun ini akan ditolak daripada nilai akaun dana polisi anda. Risalah ini hanya mengandungi keterangan ringkas mengenai produk ini dan tidak menyeluruh. Anda digalakkan untuk mendapat satu salinan Ilustrasi Jualan untuk mengetahui dengan lebih lanjut mengenai produk ini. Untuk penjelasan terperinci berkenaan manfaat, pengecualian, terma dan syaratnya, sila rujuk kepada kontrak polisi

8 HEALTH A-Plus Junior CriticalCare 让我们更进一步了解它的利益 A-Plus No. 严重疾病类别轻微严重程度 (30%) 高度严重程度 (100%) Junior CriticalCare 全面的儿童指定严重疾病保障 A-Plus Junior CriticalCare 严重程度保额的 % 索赔之间无需等待期 13 14

9 A-Plus Junior CriticalCare 如何运作? 常问问题 A-Plus Junior CriticalCare 问 : 什么是 A-Plus Junior CriticalCare? A-Plus Junior CriticalCare 情况 1 - 相同的严重疾病类别 索赔 严重疾病类别 儿童指定严重疾病 严重程度 保额的 % 支付 问 : 谁符合资格购买 A-Plus Junior CriticalCare? A-Life Lady360 A-Life Joy 问 : A-Plus Junior CriticalCare 的保障期是多久? 总支付 = RM30,000 + RM70,000 = RM100,000 问 : 我可购买 A-Plus Junior CriticalCare 的最低保额是多少? A-Plus Junior CriticalCare 情况 2 - 不相同的严重疾病类别 问 : 我该缴付的保险费用是多少?? 索赔 严重疾病类别 儿童指定严重疾病 严重程度 保额的 % 支付 孩子的年龄 5 岁 10 岁 15 岁 A-Plus Junior CriticalCare RM3.82 RM2.62 RM2.39 问 : A-Plus Junior CriticalCare 的保险费用是否获得保证? 问 : 我该缴付什么费用和收费是多少? 总支付 = RM30,000 + RM30,000 + RM40,000 = RM100,000 问 : A-Plus Junior CriticalCare 之保费是否享有税务减免? 15 16

10 敬请留意 : 问 : A-Plus Junior CriticalCare 有哪些不受保情形? 一般的资讯 : 消费税 (GST) 17 此小册子仅包含了产品的概要简述, 并不详尽 建议您索取一份销售说明书以更了解此产品 请参考保单契约以获得更多有关此产品的利益, 不受保情形, 条款和条件的详细解释 18

11 (This page is intentionally left blank) (Muka surat ini sengaja dibiarkan kosong) (This page is intentionally left blank) (Muka surat ini sengaja dibiarkan kosong)

12 Contact Us & Find Out More Hubungi kami untuk maklumat lanjut 联络我们以了解更多 (This page is intentionally left blank) (Muka surat ini sengaja dibiarkan kosong) If you have any further queries, kindly contact your AIA Life Planner / AIA authorized representative at: Sekiranya anda mempunyai pertanyaan lanjut, sila hubungi Perancang Hayat AIA / wakil AIA yang disahkan: 若您有任何疑问, 请联络您的 AIA 寿险策划师 / AIA 授权代表 : Underwritten by: AIA Bhd. ( D) Menara AIA, 99 Jalan Ampang, Kuala Lumpur. Care Line: Tel: Fax: AIA.COM.MY AIA Bhd. is licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia. AIA Bhd. adalah dilesenkan di bawah Akta Perkhidmatan Kewangan 2013 dan dikawal selia oleh Bank Negara Malaysia. AIA Bhd. 是在 2013 金融服务法下持牌经营并由马来西亚国家银行监管

HEALTH A-Plus BabyCare A closer look at the benefits The Schedule of Benefits of A-Plus BabyCare: A-Plus BabyCare is an optional add-on ( rider ) that

HEALTH A-Plus BabyCare A closer look at the benefits The Schedule of Benefits of A-Plus BabyCare: A-Plus BabyCare is an optional add-on ( rider ) that HEALTH A-Plus BabyCare Comprehensive Early Years Child Protection PT0810333/0517 aia.com.my HEALTH A-Plus BabyCare A closer look at the benefits The Schedule of Benefits of A-Plus BabyCare: A-Plus BabyCare

More information

SaverBrochure_F 07.ai

SaverBrochure_F 07.ai TAKAFUL SAVER Menabung untuk kesejahteraan masa depan. 今天的投资, 明天的保障 produk berlandaskan syariah nasihat kewangan profesional pengurusan dana islam Konsep Takaful Takaful ialah satu konsep yang berasaskan

More information

PowerPoint Presentation

PowerPoint Presentation SELAMAT DATANG KE PLATFORM PERKONGSIAN KEKAYAAN PENGGUNAANTARABANGSA Pengenalan keahlian DMC DMC ditubuhkan pada 2016 dan ibu pejabat DMC telah ditubuhkan di Kuala Lumpur, Malaysia. DMC ialah satu platform

More information

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

Vis2-A-Plus waiver-payor-payorCI fact sheet CI PROTECTION CONTINUOUS COVER WITHOUT INTERRUPTION Stay Protected During Unfortunate Events PT0810292/0613 aia.com.my 1 CI CI 2, ensures your cover continues without interruption when an unfortunate event

More information

A-EnrichGold REALISE YOUR SAVINGS GOALS You work hard to achieve your aspirations a new car, a new house, putting your kids through school, preparing

A-EnrichGold REALISE YOUR SAVINGS GOALS You work hard to achieve your aspirations a new car, a new house, putting your kids through school, preparing SAVINGS A-EnrichGold Realise Your Savings Goals Guaranteed Cash Payments & Insurance Protection Needs PT0810310/0316 aia.com.my A-EnrichGold REALISE YOUR SAVINGS GOALS You work hard to achieve your aspirations

More information

WHAT SERVICES CAN YOU EXPECT FROM OUR PERSONAL BANKERS/ BANK REPRESENTATIVES? If you intend to purchase a life insurance product from our Personal Ban

WHAT SERVICES CAN YOU EXPECT FROM OUR PERSONAL BANKERS/ BANK REPRESENTATIVES? If you intend to purchase a life insurance product from our Personal Ban Bancassurance Service Guide Panduan Perkhidmatan Bankasurans 银行保险服务指南 1 WHAT SERVICES CAN YOU EXPECT FROM OUR PERSONAL BANKERS/ BANK REPRESENTATIVES? If you intend to purchase a life insurance product

More information

PROTECTION A-Life Signature A closer look at the benefits All these years, you have been their provider and protector. You ve wiped away every tear. C

PROTECTION A-Life Signature A closer look at the benefits All these years, you have been their provider and protector. You ve wiped away every tear. C PROTECTION A-Life Signature Protecting The Future Of Those You Live For PT0810324/0316 aia.com.my PROTECTION A-Life Signature A closer look at the benefits All these years, you have been their provider

More information

AXA-Wealth Edu Brochure (2015)

AXA-Wealth Edu Brochure (2015) Investment-Linked I want the BEST for my child... starting from NOW Wealth Edu An investment-linked insurance plan that complements your education savings a comprehensive plan to show your love to your

More information

Travel Protector Flight delays. Loss of luggage. Illness. An accident. Whether you are on a business trip or on holiday with your family, any of these

Travel Protector Flight delays. Loss of luggage. Illness. An accident. Whether you are on a business trip or on holiday with your family, any of these BANCASSURANCE Travel Protector For your safety wherever you travel Call us now at 03-5516 9988, visit Alliance Bank branches or log on to www.alliancebank.com.my Underwritten by MSIG Insurance (Malaysia)

More information

Increase Your income and protection with 1 plan We at Allianz believe that an insurance plan should be more than just protection. offers You the oppor

Increase Your income and protection with 1 plan We at Allianz believe that an insurance plan should be more than just protection. offers You the oppor Increase Your income and protection with 1 plan Tingkatkan pendapatan dan perlindungan Anda dengan 1 pelan 一份保單即能提高您的收入和保障 Allianz Life Insurance Malaysia Berhad (104248-X) (Licensed under the Financial

More information

Anne has just entered her first job after university and she intends to start setting aside some money for the purpose of real-savings. See how can he

Anne has just entered her first job after university and she intends to start setting aside some money for the purpose of real-savings. See how can he Achieving your savings goal Mencapai matlamat simpanan anda 实现您的储蓄目标 Allianz Allianz Life Life Insurance Insurance Malaysia Malaysia Berhad Berhad (104248-X) (104248-X) (Licensed under the Financial Services

More information

Langkah-langkah membeli atau menambah SAP Public Gold Membuat bayaran ke Akaun SAP Public Gold Nama Akaun: PUBLIC GOLD MARKETING SDN BHD Nombor Akaun

Langkah-langkah membeli atau menambah SAP Public Gold Membuat bayaran ke Akaun SAP Public Gold Nama Akaun: PUBLIC GOLD MARKETING SDN BHD Nombor Akaun Program Akumulasi Perak TM (SAP) Program Akumulasi Perak TM (Silver Accumulation Program TM ) bertujuan memudahkan orang ramai untuk membuat simpanan perak dengan modal serendah RM100 sahaja. Program ini

More information

What is SunLink? It is a regular premium investment-linked plan that offers insurance protection and potential investment return up to the age of 99.

What is SunLink? It is a regular premium investment-linked plan that offers insurance protection and potential investment return up to the age of 99. SUNLINK A plan custom made to suit your needs. V.3 What is SunLink? It is a regular premium investment-linked plan that offers insurance protection and potential investment return up to the age of 99.

More information

What is SunLink? It is a regular premium investment-linked plan that offers insurance protection and potential investment return up to the age of 99.

What is SunLink? It is a regular premium investment-linked plan that offers insurance protection and potential investment return up to the age of 99. SUNLINK A plan custom made to suit your needs. V.2 What is SunLink? It is a regular premium investment-linked plan that offers insurance protection and potential investment return up to the age of 99.

More information

Be wise & be prepared Life is precious. What can be a better gift than living life to the fullest? But what looks like a perfect life today may not re

Be wise & be prepared Life is precious. What can be a better gift than living life to the fullest? But what looks like a perfect life today may not re Sun Life Malaysia Bijak Malaysia Plus Plus V.2 Be wise & be prepared Life is precious. What can be a better gift than living life to the fullest? But what looks like a perfect life today may not remain

More information

PowerPoint Presentation

PowerPoint Presentation 2018/2019年一年级新生报读程序 今年开始 教育部要求全部家长通过上网方式申请一年级所要就读的学校 请 家长参考以下步骤 并点击链接(https://public.moe.gov.my)填写表格 家长可 以在三月一日开始至四月三十日 2个月 期间作出申请 打印后连同所需文 件带来学校 特此声明 并非先到先得,教育局会进行筛选 因此敬请家长不必 争先恐后 PENDAFTARAN TAHUN SATU

More information

What is Sun MaxiMed-i? It is an individual top up hospitalisation and surgical takaful plan with surplus sharing to provide for expenses on hospitalis

What is Sun MaxiMed-i? It is an individual top up hospitalisation and surgical takaful plan with surplus sharing to provide for expenses on hospitalis SUN MAXIMED-i A top up medical plan for added protection and peace of mind. What is Sun MaxiMed-i? It is an individual top up hospitalisation and surgical takaful plan with surplus sharing to provide for

More information

I am my wife s protector I am my parents pillar I am my child s role model I am my business s guardian I am my staff s employer Many people depend on

I am my wife s protector I am my parents pillar I am my child s role model I am my business s guardian I am my staff s employer Many people depend on Build a legacy for your family Bina satu legasi untuk keluarga anda 为您的家人建立一份遗产 Allianz Life Insurance Malaysia Berhad (104248-X) I am my wife s protector I am my parents pillar I am my child s role model

More information

Benefits for you and your loved ones Short-term commitment with choice of policy terms Pay for only 4 years to enjoy continuous savings and insurance

Benefits for you and your loved ones Short-term commitment with choice of policy terms Pay for only 4 years to enjoy continuous savings and insurance Savings I want to achieve optimum savings with short-term commitment AXASaver Accumulate your wealth with a short-term commitment of only 4 years Benefits for you and your loved ones Short-term commitment

More information

HEALTH A-Plus MedBooster Here is what A-Plus MedBooster can give you When it comes to medical protection, you should always think about the future. Me

HEALTH A-Plus MedBooster Here is what A-Plus MedBooster can give you When it comes to medical protection, you should always think about the future. Me HEALTH A-Plus MedBooster Available for both A-Plus Med and A-Life Med Regular Extend Your Medical Safety Net For a Comprehensive Medical Protection, Today and Tomorrow PT08103/0915 aia.com.my HEALTH A-Plus

More information

ISM Circular: 20 –2005

ISM Circular: 20 –2005 ISM PUBLIC FOR IMMEDIATE RELEASE CENTRAL SYSTEM FOR MOTOR INSURANCE NO CLAIM DISCOUNT (NCD) 30 June 2010 All motor insurance and takaful companies in Malaysia have integrated their sales systems with the

More information

What is Sun SaveAssured? Sun SaveAssured is a unique, non-participating endowment plan that: guarantees 100% refund of the total premium payable upon

What is Sun SaveAssured? Sun SaveAssured is a unique, non-participating endowment plan that: guarantees 100% refund of the total premium payable upon SUN SAVEASSURED Giving you maximised earnings and protection. V.2 What is Sun SaveAssured? Sun SaveAssured is a unique, non-participating endowment plan that: guarantees 100% refund of the total premium

More information

What is Sun SaveAssured? Sun SaveAssured is a unique, non-participating endowment plan that: guarantees 100% refund of the total premium payable upon

What is Sun SaveAssured? Sun SaveAssured is a unique, non-participating endowment plan that: guarantees 100% refund of the total premium payable upon SUN SAVEASSURED Giving you maximised earnings and protection. V.3 What is Sun SaveAssured? Sun SaveAssured is a unique, non-participating endowment plan that: guarantees 100% refund of the total premium

More information

AXA Season S2.5x_v7

AXA Season S2.5x_v7 AXA Golden 20 Enhanced Protection Programme Cancer is the number one killer disease in Hong Kong i. According to the statistics, cancer accounts for over 80% of critical illness insurance claims ii. Being

More information

What is SunLink Istismar? It is a regular contribution investment-linked plan that offers Takaful protection and potential investment return up to the

What is SunLink Istismar? It is a regular contribution investment-linked plan that offers Takaful protection and potential investment return up to the SUNLINK ISTISMAR A caring plan that takes care of all your lifestyle needs. V.3 What is SunLink Istismar? It is a regular contribution investment-linked plan that offers Takaful protection and potential

More information

What is SunLink Istismar? It is a regular contribution investment-linked plan that offers Takaful protection and potential investment return up to the

What is SunLink Istismar? It is a regular contribution investment-linked plan that offers Takaful protection and potential investment return up to the SUNLINK ISTISMAR A caring plan that takes care of all your lifestyle needs. V.2 What is SunLink Istismar? It is a regular contribution investment-linked plan that offers Takaful protection and potential

More information

How does the multiple Critical Illness claims work? Allowed to claim up to 3 times. However, only one claim from each Critical Illness Group can be ma

How does the multiple Critical Illness claims work? Allowed to claim up to 3 times. However, only one claim from each Critical Illness Group can be ma Multi-Care Three times the Security, Three times the Protection Tiga kali Jaminan, Tiga kali Perlindungan 三倍保障, 三倍保護 Multiple Critical Illness protection for PowerLink Plan Sometimes one-time protection

More information

Protection. Investment. Guaranteed Cash Payment! 1 Plan 3 Purposes While most insurance policies act solely as a protection plan, Allianz provides you

Protection. Investment. Guaranteed Cash Payment! 1 Plan 3 Purposes While most insurance policies act solely as a protection plan, Allianz provides you PowerLink Income Provider Realising the future you seek 實現你未來的夢想 Allianz Life Insurance Malaysia Berhad (104248-X) Protection. Investment. Guaranteed Cash Payment! 1 Plan 3 Purposes While most insurance

More information

What is Sun EduSmart? As parents, one of the best things you can give your child is a good education. That s why planning ahead with the right educati

What is Sun EduSmart? As parents, one of the best things you can give your child is a good education. That s why planning ahead with the right educati SUN EDUSMART Giving your child a head start in life. What is Sun EduSmart? As parents, one of the best things you can give your child is a good education. That s why planning ahead with the right education

More information

Protect Your loved ones and Yourselves when illness or accident strikes One plan that links all Your protection needs Imagine owning just one insuranc

Protect Your loved ones and Yourselves when illness or accident strikes One plan that links all Your protection needs Imagine owning just one insuranc PowerLink One plan that links all Your protection needs Satu pelan yang menggabungkan semua keperluan perlindungan Anda 一項聯結您全部保障需求的保單 Allianz Life Insurance Malaysia Berhad (104248-X) (Licensed under

More information

4. Treatment for illness or discomfort/ 治疗疾病或不适的方法 / Rawatan untuk masalah tersebut B. Please describe the condition of illness, sign(s) and symptom(s

4. Treatment for illness or discomfort/ 治疗疾病或不适的方法 / Rawatan untuk masalah tersebut B. Please describe the condition of illness, sign(s) and symptom(s Product Testimony Form/ 产品见证表格 / Borang Testimoni Produk Personal Details / 个人资料 /Keterangan Diri Name/ 姓名 / Nama IC No/ 身份证号码 / No Kad Pengenalan Age/ 年龄 / Umur Gender/ 性别 / Jantina : Male/ 男 / Lelaki

More information

PowerLink Protect Your loved ones and Yourselves when illness or accident strikes One plan that links all Your protection needs Imagine owning just on

PowerLink Protect Your loved ones and Yourselves when illness or accident strikes One plan that links all Your protection needs Imagine owning just on One plan that links all Your protection needs Satu pelan yang menggabungkan semua keperluan perlindungan Anda 一項聯結您全部保障需求的保單 Allianz Life Insurance Malaysia Berhad (104248-X) (Licensed under the Financial

More information

What is SunLink Istismar? It is a regular contribution investment-linked plan that offers Takaful protection and potential investment return up to the

What is SunLink Istismar? It is a regular contribution investment-linked plan that offers Takaful protection and potential investment return up to the SUNLINK ISTISMAR A caring plan that takes care of all your lifestyle needs. V.4 What is SunLink Istismar? It is a regular contribution investment-linked plan that offers Takaful protection and potential

More information

Yes you do. In the case of a banker s cheque (whether in local or foreign currency, depending on the bank concerned)/bank draft/foreign currency deman

Yes you do. In the case of a banker s cheque (whether in local or foreign currency, depending on the bank concerned)/bank draft/foreign currency deman The Association of Banks in Malaysia 马来西亚银行公会 Frequently Asked Questions 50 sen Cheque Processing Fee 经常被问及的问题 -50 仙支票处理手续费 1. When will the cheque processing fee be charged? 何时开始收取支票处理手续费? It will be

More information

Distribution 210x297mm_for web

Distribution 210x297mm_for web 您遺留給他的是燦爛的未來 財產分配 Let your legacy be his future. Legacy Distribution Premier Legacy An insurance plan underwritten by Great Eastern Life Assurance (Malaysia) Berhad (93745-A) ( Great Eastern Life ) or

More information

Achieving certain milestones in life such as building a career, starting a family, buying a new home, or planning for retirement is what drives us for

Achieving certain milestones in life such as building a career, starting a family, buying a new home, or planning for retirement is what drives us for SUN WEALTH Protection that stacks up with guaranteed cash returns every year. Terms and conditions apply. Achieving certain milestones in life such as building a career, starting a family, buying a new

More information

The solution to your financial and protection needs Makes your money work harder and smarter for you If you want to get your life feeling right, you h

The solution to your financial and protection needs Makes your money work harder and smarter for you If you want to get your life feeling right, you h PowerLink Taipan The solution to your financial and protection needs Penyelesaian kepada keperluan kewangan dan perlindungan anda 您的投資與保障解決方案 Allianz Life Insurance Malaysia Berhad (04248-X) The solution

More information

PowerPoint Presentation

PowerPoint Presentation Phone script to make Appointments Life Planner: Good morning / afternoon, may I speak to [ Customer s First Name ] please? [ If not comfortable to use First Name, then use Mr./Mrs./Ms. ] Customer: Yes

More information

FA-A-Life Link_NEW

FA-A-Life Link_NEW -LifeLink FLEXIBLE TO CHNGES IN LIFE The Ultimate Protection and Savings Plan PROTECTION PT0808/093 aia.com.my -LifeLink -LifeLink -LifeLink Flexible to Changes in Life t every stage of our lives, we play

More information

What is Sun EduSmart? As parents, one of the best things you can give your child is a good education. That s why planning ahead with the right educati

What is Sun EduSmart? As parents, one of the best things you can give your child is a good education. That s why planning ahead with the right educati SUN EDUSMART Giving your child a head start in life. What is Sun EduSmart? As parents, one of the best things you can give your child is a good education. That s why planning ahead with the right education

More information

Q: Must the Relationship Managers or sales persons handling the investment products of SCSB be licensed? Does that mean your RMs are now under SCSB? W

Q: Must the Relationship Managers or sales persons handling the investment products of SCSB be licensed? Does that mean your RMs are now under SCSB? W New Subsidiary Standard Chartered Securities (B) Sdn Bhd (SCSB) FAQ Q: What is this? A: In line with regulatory obligations, Standard Chartered Bank has set up a locally incorporated subsidiary, Standard

More information

台灣地區同學

台灣地區同學 ACIC 台 灣 地 區 住 宿 家 庭 合 約 / 接 機 / 申 請 表 本 契 約 已 於 中 華 民 國 年 月 日 交 付 消 費 者 攜 回 審 閱 ( 契 約 審 閱 期 間 至 少 為 五 日 ) 甲 方 ( 消 費 者 ) 姓 名 : 甲 方 ( 未 滿 18 歲 代 理 人 ) 姓 名 : 國 民 身 分 證 : 國 民 身 分 證 : 電 話 : 電 話 : 住 居 所 : 住

More information

Preservation 210x297mm_for web

Preservation 210x297mm_for web 為您的財產奠定堅實基礎, 達到更完整的投資組合 財產保存 Secure a solid foundation for your estate and complete your investment portfolio. Legacy Preservation Premier Legacy An insurance plan underwritten by Great Eastern Life Assurance

More information

Let Allianz protect Your retirement, what s in it for me? helps You build a bigger nest egg for a more comfortable retirement. To enjoy a happy and co

Let Allianz protect Your retirement, what s in it for me? helps You build a bigger nest egg for a more comfortable retirement. To enjoy a happy and co Let Allianz protect your retirement Biar Allianz melindungi persaraan Anda 讓 Allianz 保障您的退休生活 Allianz Life Insurance Malaysia Berhad (104248-X) (Licensed under the Financial Services Act 2013 and regulated

More information

ColumbusAire New Registration 新注册 ColumbusAire Pendaftaran Baru ColumbusAire

ColumbusAire New Registration 新注册 ColumbusAire Pendaftaran Baru ColumbusAire E-Warranty Guidelines 在线注册使用指南 Garis Panduan E-Waranti ColumbusAire New Registration 新注册 ColumbusAire Pendaftaran Baru ColumbusAire Attention / 留意 / Perhatian 1 Every unit of ColumbusAire is entitled for

More information

华小董事觉醒运动缘起

华小董事觉醒运动缘起 1998 年教育 ( 家长教师协会 ) 条例 PERATURAN-PERATURAN PENDIDIKAN (PERSATUAN IBU BAPA - GURU) 1998 PADA menjalankan kuasa yang diberikan oleh perenggan 130(2)(i) Akta Pendidikan 1996, Menteri membuat peraturan-peraturan

More information

Offline Fill in a Membership Application Form and pass the form together with a joining fee of RM53 (inclusive of GST) to your introducer, or submit t

Offline Fill in a Membership Application Form and pass the form together with a joining fee of RM53 (inclusive of GST) to your introducer, or submit t Effective 1 st June 2016 / Revised January 2017 Offline Fill in a Membership Application Form and pass the form together with a joining fee of RM53 (inclusive of GST) to your introducer, or submit the

More information

Microsoft Word - Avail News _Januari 2017_.doc

Microsoft Word - Avail News _Januari 2017_.doc BERITA AVAIL 1) PROGRAM KICK START WITH AVAIL 2017 (TERKINI)!! Berita BAIK!! Syarikat akan mengadakan satu program iaitu Kick Start With Avail 2017. Program ini merupakan program pembukaan bagi tahun 2017.

More information

2012 年 4 月 至 6 月 活 動 一 覽 月 份 計 劃 / 項 目 活 動 4 月 竹 園 中 心 活 動 竹 園 中 心 開 放 日 暨 沒 有 巴 掌 日 嘉 年 華 :4 月 28 日 v 迎 新 會 :4 月 21 日 童 歡 部 落 v 義 工 服 務 :5 月 27 日 v 小

2012 年 4 月 至 6 月 活 動 一 覽 月 份 計 劃 / 項 目 活 動 4 月 竹 園 中 心 活 動 竹 園 中 心 開 放 日 暨 沒 有 巴 掌 日 嘉 年 華 :4 月 28 日 v 迎 新 會 :4 月 21 日 童 歡 部 落 v 義 工 服 務 :5 月 27 日 v 小 八 月 通 訊 在 多 名 熱 心 青 年 的 參 與 及 香 港 救 助 兒 童 會 贊 助 下, 本 會 推 出 兒 童 專 網, 透 過 互 動 遊 戲 及 討 論 區, 讓 兒 童 及 青 少 年 認 識 更 多 保 護 兒 童 的 知 識, 包 括 虐 待 兒 童 的 種 類 家 居 安 全 及 自 我 保 護 在 過 去 數 個 月, 兒 童 專 網 的 點 擊 次 數 已 累 積 至

More information

Life Is Precious Life is precious and each day is a gift for you to cherish. Life is rewarding if you are able to attain various personal goals and se

Life Is Precious Life is precious and each day is a gift for you to cherish. Life is rewarding if you are able to attain various personal goals and se Ceria Malaysia MENGHARGAI SETIAP DETIK DALAM KEHIDUPAN CHERISH EVERY MOMENT OF LIFE 歡慶生命中的每一天 V. Life Is Precious Life is precious and each day is a gift for you to cherish. Life is rewarding if you are

More information

KURIKULUM STANDARD SEKOLAH RENDAH DOKUMEN STANDARD KURIKULUM DAN PENTAKSIRAN SAINS TAHUN 5 BAHAGIAN PEMBANGUNAN KURIKULUM ii

KURIKULUM STANDARD SEKOLAH RENDAH DOKUMEN STANDARD KURIKULUM DAN PENTAKSIRAN SAINS TAHUN 5 BAHAGIAN PEMBANGUNAN KURIKULUM ii DRAF KURIKULUM STANDARD DOKUMEN STANDARD KURIKULUM DAN PENTAKSIRAN KEMENTERIAN PENDIDIKAN MALAYSIA SAINS TAHUN LIMA BAGI SEKOLAH JENIS KEBANGSAAN CINA i KURIKULUM STANDARD SEKOLAH RENDAH DOKUMEN STANDARD

More information

入學考試網上報名指南

入學考試網上報名指南 入 學 考 試 網 上 報 名 指 南 On-line Application Guide for Admission Examination 16/01/2015 University of Macau Table of Contents Table of Contents... 1 A. 新 申 請 網 上 登 記 帳 戶 /Register for New Account... 2 B. 填

More information

Protect All 0 Introduction At Zurich, we understand that your family s well-being is of great importance and that you would want to protect them at al

Protect All 0 Introduction At Zurich, we understand that your family s well-being is of great importance and that you would want to protect them at al Personal Accident Insurance Protect All 0 Your Family PA Coverage... Because We Care... About You And Your Loved Ones Protect All 0 Introduction At Zurich, we understand that your family s well-being is

More information

ch_code_infoaccess

ch_code_infoaccess 地 產 代 理 監 管 局 公 開 資 料 守 則 2014 年 5 月 目 錄 引 言 第 1 部 段 數 適 用 範 圍 1.1-1.2 監 管 局 部 門 1.1 紀 律 研 訊 1.2 提 供 資 料 1.3-1.6 按 慣 例 公 布 或 供 查 閱 的 資 料 1.3-1.4 應 要 求 提 供 的 資 料 1.5 法 定 義 務 及 限 制 1.6 程 序 1.7-1.19 公 開 資

More information

HKG_ICSS_FTO_sogobrilingual_100_19Feb2016_31837_tnc

HKG_ICSS_FTO_sogobrilingual_100_19Feb2016_31837_tnc Terms and conditions: 1. The extra 5 Membership Rewards points promotion at SOGO ( the Promotion Offer ) is valid for spending only at SOGO Department Store at Causeway Bay and Tsim Sha Tsui within the

More information

ABMB_document_template_v1

ABMB_document_template_v1 Home Complete-i Terms & Conditions Terma & Syarat Home Complete-i Home Complete-i 条件与规则 Alliance Islamic Bank Berhad (776882-V) Version 2.2 Updated as of Sept 2016 Terms & Conditions ( Terms ) Home Complete-i

More information

第一章 緒論

第一章 緒論 (informed consent) 6 . (Informed 23 Consent) 24 (Informed Consent) informed consent 1. 2. 7 3. 4. 5. 6.. 26 1. 8 2. 3. 4. 5. 6.. Braddock 1993 59 65 1057 (discussion of the patient s role in decision making)

More information

GI3_APP0148B_P01_0114_p1

GI3_APP0148B_P01_0114_p1 Home Landlord Home Landlord Insurance Always Listening Always Understanding It is not surprising that you want to be a landlord given current low interest rate environment. On one hand you can secure your

More information

1. 請 先 檢 查 包 裝 內 容 物 AC750 多 模 式 無 線 分 享 器 安 裝 指 南 安 裝 指 南 CD 光 碟 BR-6208AC 電 源 供 應 器 網 路 線 2. 將 設 備 接 上 電 源, 即 可 使 用 智 慧 型 無 線 裝 置 進 行 設 定 A. 接 上 電 源

1. 請 先 檢 查 包 裝 內 容 物 AC750 多 模 式 無 線 分 享 器 安 裝 指 南 安 裝 指 南 CD 光 碟 BR-6208AC 電 源 供 應 器 網 路 線 2. 將 設 備 接 上 電 源, 即 可 使 用 智 慧 型 無 線 裝 置 進 行 設 定 A. 接 上 電 源 1. 請 先 檢 查 包 裝 內 容 物 AC750 多 模 式 無 線 分 享 器 安 裝 指 南 安 裝 指 南 CD 光 碟 BR-6208AC 電 源 供 應 器 網 路 線 2. 將 設 備 接 上 電 源, 即 可 使 用 智 慧 型 無 線 裝 置 進 行 設 定 A. 接 上 電 源 B. 啟 用 智 慧 型 裝 置 的 無 線 Wi-Fi C. 選 擇 無 線 網 路 名 稱 "edimax.setup"

More information

一场突如其来的病痛或意外, 不论对您的日常生活或经济预算, 都会造成巨大的影响 如今, 您大可不必为这些医疗开销而操心 : 让 SmartCare Optimum 来照料这些开销, 而您则专心接受治疗 完善的医疗保障一个为您提供一系列全面且高档的医疗保障 ; 从住院及外科手术费用 直至各种门诊治疗的

一场突如其来的病痛或意外, 不论对您的日常生活或经济预算, 都会造成巨大的影响 如今, 您大可不必为这些医疗开销而操心 : 让 SmartCare Optimum 来照料这些开销, 而您则专心接受治疗 完善的医疗保障一个为您提供一系列全面且高档的医疗保障 ; 从住院及外科手术费用 直至各种门诊治疗的 healthcare 所有保费须附加规定税率的消费税 超广泛的医疗保障计划 SmartCare Optimum 备有加额附加保单让我们来处理医疗账单而您则专心接受治疗 2015 一场突如其来的病痛或意外, 不论对您的日常生活或经济预算, 都会造成巨大的影响 如今, 您大可不必为这些医疗开销而操心 : 让 SmartCare Optimum 来照料这些开销, 而您则专心接受治疗 完善的医疗保障一个为您提供一系列全面且高档的医疗保障

More information

Message from CEO Dear Valued Unit holders, All our plans to achieve our financial goals, whether for retirement or child education, can be derailed by

Message from CEO Dear Valued Unit holders, All our plans to achieve our financial goals, whether for retirement or child education, can be derailed by MAAKL Life Plus n Term Life n 36 Critical Illnesses n Personal Accident n Pays up to RM500,000 n Coverage up to 70 Years Underwritten by Arranged by Message from CEO Dear Valued Unit holders, All our plans

More information

附 件 六 附 件 七 附 件 八 费 用 报 表 67 专 用 帐 户 调 节 表 68 支 付 报 告 72 附 件 九 : 登 录 世 行 网 址 申 请 表 82 附 件 十 < 关 于 印 发 «世 界 银 行 贷 款 项 目 会 计 核 算 办 法» 的 通 知 >( 财 际 字 [20

附 件 六 附 件 七 附 件 八 费 用 报 表 67 专 用 帐 户 调 节 表 68 支 付 报 告 72 附 件 九 : 登 录 世 行 网 址 申 请 表 82 附 件 十 < 关 于 印 发 «世 界 银 行 贷 款 项 目 会 计 核 算 办 法» 的 通 知 >( 财 际 字 [20 世 界 银 行 贷 款 项 目 财 务 管 理 与 支 付 手 册 目 录 页 码 一 财 务 管 理 4 1. 世 界 银 行 对 项 目 财 务 管 理 的 要 求 4 2. 项 目 财 务 报 告 5 3. 项 目 审 计 安 排 与 相 关 处 理 6 4. 世 界 银 行 新 金 融 产 品 8 5. 项 目 财 务 软 件 8 二 贷 款 支 付 10 1. 世 界 银 行 与 世 界

More information

What are your dearest aspirations? Is it to be able to finance your children s university education? Is it to retire comfortably? To achieve these asp

What are your dearest aspirations? Is it to be able to finance your children s university education? Is it to retire comfortably? To achieve these asp Enjoy the dual benefits of wealth and protection ManuLink Jade ManuLink Pearl What are your dearest aspirations? Is it to be able to finance your children s university education? Is it to retire comfortably?

More information

OAC travel leaflet new fa new

OAC travel leaflet new fa new TRAVEL FOR MORE! More Benefits. More Features. More Coverage. TRAVEL FOR MORE! Correct at time of printing as at March 2015 TRAVEL FOR MORE! Travel For More is the travel insurance plan you need, offering

More information

<4D6963726F736F667420576F7264202D20B6BCB0EE5FB1B8B0B85F5B323031305DB8BD32323934A1AA32353136BAC52DB5D8CCFABDA8D6FEB9A4B3CCD2BBC7D0CFD5B8BDBCD3CFD5CCF5BFEE2E646F63>

<4D6963726F736F667420576F7264202D20B6BCB0EE5FB1B8B0B85F5B323031305DB8BD32323934A1AA32353136BAC52DB5D8CCFABDA8D6FEB9A4B3CCD2BBC7D0CFD5B8BDBCD3CFD5CCF5BFEE2E646F63> 都 邦 财 产 保 险 股 份 有 限 公 司 地 铁 建 筑 工 程 一 切 险 附 加 险 条 款 ( 保 监 会 备 案 编 号 : 都 邦 ( 备 案 )[2010] 附 2294-2516 号 ) 地 铁 工 程 保 险 附 加 险 条 款 适 用 于 各 类 工 程 保 险, 包 括 扩 展 类 限 制 类 和 规 范 类 三 大 类 别, 共 223 个 附 加 险 条 款, 其 中

More information

PA 500 Making your future brighter You are indeed wise. You have planned your life well enough into your retirement; saving and investing wisely for t

PA 500 Making your future brighter You are indeed wise. You have planned your life well enough into your retirement; saving and investing wisely for t Personal Accident Insurance PA 500 Guaranteed Lump Sum And Monthly Income Plan PA 500 Making your future brighter You are indeed wise. You have planned your life well enough into your retirement; saving

More information

CLS Newsletter No.15 慈 大 華 語 通 訊 第 十 五 月 慈 濟 大 學 語 言 教 學 中 心 活 動 預 告 活 重 要 記 事 重 特 約 專 文 進 泰 國 印 尼 慈 濟 學 校 華 語 教 師 培 訓 慈 濟 人 文 活 動 分 享 動 要 預 記 華 語 教 入 師 華 培 語 訓 語 工 音 作 的 分 世 享 界 嚴 趙 玉 彥 真 老 高 季 節 泰 班

More information

Microsoft Word - ??????-2.doc

Microsoft Word - ??????-2.doc 伃 University of South California University of North Texas 99.12.07~99.12.04 100.02.16 2 2 3 4 6...6...9..11..13 -..14 3 4 5 - (USC University Hospital) Norris (USC Norris Cancer Hospital) 1991 PMV (Passy

More information

CashVantage Financing-i Terms & Conditions

CashVantage Financing-i Terms & Conditions CashVantage Financing-i Terms & Conditions Terma & Syarat Pembiayaan-i CashVantage CashVantage 个人融资 -i 条件与规则 Alliance Islamic Bank Berhad (776882-V) Version 16 CashVantage_Sept 2016 Terms & Conditions

More information

危 疾 指 引 這 份 指 引 可 助 您 了 解 自 己 危 疾 保 單 內 所 承 保 的 疾 病 及 療 程 每 種 受 保 的 危 疾 均 會 加 以 及 我 們 更 會 扼 要 地 列 出 各 種 除 外 責 任 及 所 須 長 短 我 們 凡 在 這 份 指 引 中 提 及 專 科 醫

危 疾 指 引 這 份 指 引 可 助 您 了 解 自 己 危 疾 保 單 內 所 承 保 的 疾 病 及 療 程 每 種 受 保 的 危 疾 均 會 加 以 及 我 們 更 會 扼 要 地 列 出 各 種 除 外 責 任 及 所 須 長 短 我 們 凡 在 這 份 指 引 中 提 及 專 科 醫 危 疾 指 引 永 明 危 疾 保 險 驕 陽 永 明, 人 生 更 燦 爛 危 疾 指 引 這 份 指 引 可 助 您 了 解 自 己 危 疾 保 單 內 所 承 保 的 疾 病 及 療 程 每 種 受 保 的 危 疾 均 會 加 以 及 我 們 更 會 扼 要 地 列 出 各 種 除 外 責 任 及 所 須 長 短 我 們 凡 在 這 份 指 引 中 提 及 專 科 醫 生, 皆 指 在 所 索

More information

1

1 OCBC Express Deal Promotion ( Promotion ) Terms and Conditions OCBCExpressDeal/T&C/1October2014/Eng/v1 1. The Promotion 1.1. OCBC Bank (Malaysia) Berhad ( OCBC ) present the OCBC Express Deal Promotion

More information

3 Nombor di dalam segi empat sama ditambah dengan nombor di dalam bulatan dan jumlahnya didarab dengan nombor di dalam segi tiga sama sisi

3 Nombor di dalam segi empat sama ditambah dengan nombor di dalam bulatan dan jumlahnya didarab dengan nombor di dalam segi tiga sama sisi UJIAN DIAGNOSTIK Sk Seksyen 20,2016 MATEMATIK TAHUN 6 KERTAS 2 1 Jam [60 Nama:.. Kelas:. Jawab semua soalan. 1 Rajah 1 menunjukkan sekeping kad nombor. 736 981 Rajah 1 Nyatakan digit yang mewakili nilai

More information

A68b v13 PFL0116 066 CO

A68b v13 PFL0116 066 CO 火 險 保 單 請 詳 細 參 閱 本 保 單 閣 下 有 權 改 變 主 意 15 行 使 取 消 保 單 權 益 須 遵 守 以 下 規 定 : 15 (852) 2867 8678 安 盛 保 險 有 限 公 司 90918 (852) 2867 8678 收 集 個 人 資 料 的 聲 明 本 公 司 486 條 例 目 的 : 有 關 目 的 1. 安 盛 關 聯 方 在 直 接 促 銷

More information

GIVING YOU THE COVERAGE WHEN YOU NEED IT MOST Being diagnosed with diabetes changes your life forever. Diabetes (Type 2) is a chronic condition where

GIVING YOU THE COVERAGE WHEN YOU NEED IT MOST Being diagnosed with diabetes changes your life forever. Diabetes (Type 2) is a chronic condition where Allianz Life Insurance Malaysia Berhad (104248X) GIVING YOU THE COVERAGE WHEN YOU NEED IT MOST Being diagnosed with diabetes changes your life forever. Diabetes (Type 2) is a chronic condition where your

More information

Microsoft Word - 中級會計學--試題.doc

Microsoft Word - 中級會計學--試題.doc 國 立 高 雄 應 用 科 技 大 學 100 學 年 度 碩 士 班 招 生 考 試 會 計 系 准 考 證 號 碼 ( 考 生 必 須 填 寫 ) 中 級 會 計 學 試 題 共 5 頁, 第 1 頁 注 意 :a. 本 試 題 共 題, 每 題 分, 共 100 分 b. 作 答 時 不 必 抄 題 c. 考 生 作 答 前 請 詳 閱 答 案 卷 之 考 生 注 意 事 項 ㄧ 選 擇 題

More information

Zurich Omni Health Over the years, an increasing number of Malaysians have been inspired to lead healthy lifestyles. This is reflected in the growth o

Zurich Omni Health Over the years, an increasing number of Malaysians have been inspired to lead healthy lifestyles. This is reflected in the growth o Medical Insurance Zurich Omni Health Staying healthy has never been more rewarding Zurich Omni Health Over the years, an increasing number of Malaysians have been inspired to lead healthy lifestyles. This

More information

NB doc

NB doc 5. 71 Insurable Interest Health Risk Financial Justification Residential Risk Lifestyle Capability to pay future premiums 5.1 Insurable Interest 5.1.3 5.1.1 Personal Insurance 5.1.2 MortgageLoan Protection

More information

601988 2010 040 113001 2010 8 26 2010 8 12 2010 8 26 15 15 2010 15 0 0 15 0 0 6035 20022007 20012002 19992001 200720081974 1999 2010 20082008 2000 197

601988 2010 040 113001 2010 8 26 2010 8 12 2010 8 26 15 15 2010 15 0 0 15 0 0 6035 20022007 20012002 19992001 200720081974 1999 2010 20082008 2000 197 BANK OF CHINA LIMITED 3988 2010 8 26 ** ** *** # Alberto TOGNI # # # * # 1 601988 2010 040 113001 2010 8 26 2010 8 12 2010 8 26 15 15 2010 15 0 0 15 0 0 6035 20022007 20012002 19992001 200720081974 1999

More information

CPB89 A5 Booklet Employer ALL

CPB89 A5 Booklet Employer ALL GUIDE ON EMPLOYMENT LAWS FOR EMPLOYERS 雇主的雇佣资讯 PANDUAN MENGENAI UNDANG-UNDANG PEKERJAAN UNTUK PARA MAJIKAN If you are hiring employees in Singapore, do you know that you have certain obligations under

More information

Background 2006 年 2 月 我 国 新 企 业 会 计 准 则 的 颁 布, 标 志 着 与 国 际 惯 例 趋 同 的 中 国 新 会 计 准 则 体 系 的 建 立, 自 2007 年 1 月 1 日 起 首 先 在 境 内 上 市 的 公 司 施 行, 自 2008 年 1 月

Background 2006 年 2 月 我 国 新 企 业 会 计 准 则 的 颁 布, 标 志 着 与 国 际 惯 例 趋 同 的 中 国 新 会 计 准 则 体 系 的 建 立, 自 2007 年 1 月 1 日 起 首 先 在 境 内 上 市 的 公 司 施 行, 自 2008 年 1 月 The Analysis and Application of CAS & U.S. GAAP & IFRS Jeremy Zhang ( 章 晓 虎 ) PEO Contracted Trainer 深 圳 2013 年 7 月 18-19 日 ( 周 四 / 五 ) 9:00am - 5:00pm 普 通 话, 中 文 教 材 Background 2006 年 2 月 我 国 新 企 业 会

More information

2 Edmonton 爱 德 蒙 顿 爱 德 蒙 顿 是 加 拿 大 的 节 日 之 城, 一 年 有 超 过 30 多 个 节 日 城 市 总 人 口 1000 多 万 干 净, 安 全 的 居 住 环 境 友 好 的, 充 满 活 力 的 文 化 社 区 附 近 有 许 多 风 景 优 美 的

2 Edmonton 爱 德 蒙 顿 爱 德 蒙 顿 是 加 拿 大 的 节 日 之 城, 一 年 有 超 过 30 多 个 节 日 城 市 总 人 口 1000 多 万 干 净, 安 全 的 居 住 环 境 友 好 的, 充 满 活 力 的 文 化 社 区 附 近 有 许 多 风 景 优 美 的 1 Come Study With Us! 欢 迎 你 来 和 我 们 一 起 学 习! 爱 德 蒙 顿 天 主 教 学 校, 欢 迎 来 自 各 个 国 家 和 信 仰 的 学 生 加 入 我 们! 爱 德 蒙 顿 天 主 教 学 校 是 一 家 由 政 府 资 助 的 公 立 学 校, 是 以 基 督 信 仰 为 背 景 的 省 立 教 育 机 构, 是 以 学 生 成 绩 和 教 育 质 量

More information

2

2 40 2 3 4 5 ^ ^ 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 PLEASE AFFIX STAMP HERE Diabetes Hongkong Unit 1802, 18/F., Tung Hip Commercial Bldg., 244-252 Des Voeux Rd C, HK. Diabetes Hongkong membership

More information

HLA MedGLOBAL IV Plus Prevention is Better than Cure. While there may be some truth in this saying, in life there are simply too many possibilities an

HLA MedGLOBAL IV Plus Prevention is Better than Cure. While there may be some truth in this saying, in life there are simply too many possibilities an HLA MedGLOBAL IV Plus Providing you a comprehensive, enhanced medical plan with high lifetime, annual and room and board benefits, wherever you may be, for all times For more information, please call 03-7650

More information

HLA MedGLOBAL IV Plus Prevention is Better than Cure. While there may be some truth in this saying, in life there are simply too many possibilities an

HLA MedGLOBAL IV Plus Prevention is Better than Cure. While there may be some truth in this saying, in life there are simply too many possibilities an HLA MedGLOBAL IV Plus Providing you a comprehensive, enhanced medical plan with high lifetime, annual and room and board benefits, wherever you may be, for all times For more information, please call 03-7650

More information

Pneumonia - Traditional Chinese

Pneumonia - Traditional Chinese Pneumonia When you have pneumonia, the air sacs in the lungs fill with infection or mucus. Pneumonia is caused by a bacteria, virus or chemical. It is not often passed from one person to another. Signs

More information

6 4 6 5 5 2 2 3 1 2 3 1 6 6 6 6 5 5 5 2 2 4 126% * * GOLD COAST OFFICE. Cnr 2681 Gold Coast Highway and Elizabeth Avenue, Broadbeach Queensland 4218 PHONE 07 5531 8188 www.emandar.com.au Whilst every

More information

Microsoft Word - IIQE - Gen Study Notes 07_Chi of 4th Draft _31-3-08_ 13-6-08pm no amend.doc

Microsoft Word - IIQE - Gen Study Notes 07_Chi of 4th Draft _31-3-08_ 13-6-08pm no amend.doc 保 險 中 介 人 素 質 保 證 計 劃 一 般 保 險 考 試 研 習 資 料 手 冊 2008 年 版 序 言 本 研 習 資 料 手 冊 是 根 據 一 般 保 險 考 試 的 範 圍 對 各 章 節 的 不 同 要 求 而 編 寫 完 成 的 該 考 試 是 以 這 些 材 料 爲 基 礎 而 進 行 的 我 們 在 每 一 章 結 束 處, 都 加 入 了 一 些 模 擬 試 題, 從

More information

UTI (Urinary Tract Infection) - Traditional Chinese

UTI (Urinary Tract Infection) - Traditional Chinese UTI (Urinary Tract Infection) Urinary tract infection, also called UTI, is an infection of the bladder or kidneys. Urethra Kidney Ureters Bladder Vagina Kidney Ureters Bladder Urethra Penis Causes UTI

More information

Frequently Asked Questions on GST

Frequently Asked Questions on GST Frequently Asked Questions on GST For Allianz Life Insurance Malaysia Berhad Please select a language option below: English Bahasa Malaysia 华语 With you from A-Z GST Frequently Asked Questions This Frequently

More information

Penghargaan

Penghargaan BAB 4 ANALISIS DATA 4.0 PENGENALAN Kajian ini dijalankan untuk meneliti keupayaan mahasiswa/i etnik Melayu mentranskripsikan dan membezakan komponen utama fonetik bahasa Mandarin dari aspek mendengar dalam

More information

teh, penutur ataupun pelajar bahasa Esperanto, serta peminat budaya China. III. Anugerah & Hadiah Karya akan dinilai pada dua peringkat, iaitu penilai

teh, penutur ataupun pelajar bahasa Esperanto, serta peminat budaya China. III. Anugerah & Hadiah Karya akan dinilai pada dua peringkat, iaitu penilai Pesta Filem Mikro Antarabangsa China 2016-2017 Panduan Penyertaan Pertandingan Filem Mikro Antarabangsa Teh & Cinta http://esperanto.cri.cn/teokajamo2016c/ (Chinese) http://esperanto.cri.cn/teokajamo2016e/

More information

WTO

WTO 10384 200015128 UDC Exploration on Design of CIB s Human Resources System in the New Stage (MBA) 2004 2004 2 3 2004 3 2 0 0 4 2 WTO Abstract Abstract With the rapid development of the high and new technique

More information

Male Circumcision - Traditional Chinese

Male Circumcision - Traditional Chinese Male Circumcision Male circumcision is the removal of the foreskin around the end of the penis. If you decide on circumcision, your baby s doctor will do it in the hospital s nursery. If your baby is small

More information

Male Circumcision - Simplified Chinese

Male Circumcision - Simplified Chinese Male Circumcision Male circumcision is the removal of the foreskin around the end of the penis. If you decide on circumcision, your baby s doctor will do it in the hospital s nursery. If your baby is small

More information

邮 轮 摘 要 ( 仅 供 参 考, 如 有 更 改, 不 另 通 知 ) 总 吨 位 : 151,300 吨 工 作 人 员 : 1,999 进 入 服 役 : Oct 2016 船 舱 总 数 : 1,674 长 度 : 335 米 国 籍 : 国 际 宽 度 : 40 米 楼 层 : 18 巡

邮 轮 摘 要 ( 仅 供 参 考, 如 有 更 改, 不 另 通 知 ) 总 吨 位 : 151,300 吨 工 作 人 员 : 1,999 进 入 服 役 : Oct 2016 船 舱 总 数 : 1,674 长 度 : 335 米 国 籍 : 国 际 宽 度 : 40 米 楼 层 : 18 巡 5 夜 南 沙 - 岘 港 下 龙 湾 - 南 沙 5 夜 南 沙 - 芽 庄 - 胡 志 明 市 - 南 沙 Day Itinerary Check In ETA ETD Day Itinerary Check In ETA ETD 星 期 日 Nansha 1600-2000 星 期 日 Nansha 1600-2000 星 期 一 Crusing Day - - - 星 期 一 Cruising

More information

A Community Guide to Environmental Health

A Community Guide to Environmental Health 102 7 建 造 厕 所 本 章 内 容 宣 传 推 广 卫 生 设 施 104 人 们 需 要 什 么 样 的 厕 所 105 规 划 厕 所 106 男 女 对 厕 所 的 不 同 需 求 108 活 动 : 给 妇 女 带 来 方 便 110 让 厕 所 更 便 于 使 用 111 儿 童 厕 所 112 应 急 厕 所 113 城 镇 公 共 卫 生 设 施 114 故 事 : 城 市 社

More information

背 景 资 料 对 于 在 华 经 营 的 企 业 里, 人 力 资 源 管 理 绝 不 是 一 件 轻 松 的 工 作 HR 从 业 者 除 了 要 具 备 猎 人 的 眼 光 心 理 学 家 的 耐 心 谈 判 专 家 的 口 才, 更 为 重 要 的 是, 还 需 要 具 备 专 业 的 法

背 景 资 料 对 于 在 华 经 营 的 企 业 里, 人 力 资 源 管 理 绝 不 是 一 件 轻 松 的 工 作 HR 从 业 者 除 了 要 具 备 猎 人 的 眼 光 心 理 学 家 的 耐 心 谈 判 专 家 的 口 才, 更 为 重 要 的 是, 还 需 要 具 备 专 业 的 法 R Professional Information for You 人 力 资 源 法 务 合 规 系 列 Human Resource Legal Compliance Management Series 深 圳 Shenzhen Putonghua / 普 通 话 9:00am-5:30pm 系 列 一 : 人 力 资 源 合 规 风 险 分 析 与 员 工 关 系 管 理 2013 年 11

More information

ABMB_document_template_v1

ABMB_document_template_v1 CashFirst Personal Loan Terms & Conditions Terma & Syarat Pinjaman Peribadi CashFirst Alliance Bank Malaysia Berhad (88103-W) Terms & Conditions ( Terms ) Alliance CashFirst Personal Loan ( Facility )

More information

Protects you and your active lifestyle Benefits at a glance The essential coverage for the lifestyle you care about To attain an active lifestyle is n

Protects you and your active lifestyle Benefits at a glance The essential coverage for the lifestyle you care about To attain an active lifestyle is n Lifestyle Protection Protects you and your active lifestyle Benefits at a glance The essential coverage for the lifestyle you care about To attain an active lifestyle is not as easy as one may think with

More information