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. Besides the coverage against Death and Total and Permanent Disability (TPD), SunLink lets you invest in your desired fund(s) and take full advantage of top-up, fund switching and partial withdrawal. So whatever it is that you have in mind, be it raising a young family, preparing for your child s education, starting your own business or planning for your retirement, you can be sure that you have the flexibility to choose what you need to meet your financial goals and obligations. What s more, it is a smart plan that gives you the freedom to select and include various riders such as Hospitalisation and Surgical, Multiple Pay Critical Illness, Accidental Death, Weekly Disability Income and Waiver of Premium for extra financial security. With SunLink, you can now journey through life confidently with no worries. More about SunLink This plan provides the following benefits: Death TPD Surrender Upon maturity at the age of 99 Sum assured plus account value Sum assured plus account value (TPD coverage shall cease on the policy anniversary, immediately following the life assured s 65 th birthday) Surrender value is equivalent to the account value, which is calculated with reference to the value of units withdrawn at the price on the valuation date, immediately following the receipt of request to withdraw Sum assured plus account value Premium term & payment Premium term is the same as the policy term. Minimum insurance premium is RM2,400 per annum and payment can be made on a monthly, quarterly, half yearly or yearly basis via credit card or direct debit. Policy term 99 years minus life assured s age at entry.
Eligibility (Age last birthday basis) Life Assured Policy Owner Minimum age of entry 30 days old 18 years old Maximum age of entry 65 years old No limit 1 Maximum expiry age 99 years old Not applicable 1 Applicable only for basic plan without rider. Investment-linked funds Based on individual s financial goal and risk tolerance, you may invest in one or more of the following professionally managed investment-linked funds of your choice: Fund Objective & Strategy Sun Life Malaysia Growth Fund Fund objective: Maximise capital growth via medium to long-term investment in the stock market. Fund strategy: The fund may invest up to 98% of its Net Asset Value (NAV) in equities, focusing on investment in shares of companies with growth potential and listed on the main board of Bursa Malaysia Berhad. The asset allocations of the fund are as follows: At least 80% in equities at all times Balance in liquid assets Fund manager: CIMB-Principal Asset Management Berhad Sun Life Malaysia Balanced Moderate Fund Fund objective: Provide a balanced investment in equities and bonds. Fund strategy: It will rely on Sun Life Malaysia Growth Fund and Sun Life Malaysia Conservative Fund according to the following predefined asset allocations of the fund: Sun Life Malaysia Growth Fund: 50% Sun Life Malaysia Conservative Fund: 50% Fund manager: CIMB-Principal Asset Management Berhad Sun Life Malaysia Conservative Fund Fund objective: Achieve medium to long-term capital appreciation through investments primarily in Malaysian bonds.
Investment-linked funds (cont d.) Fund Sun Life Malaysia Conservative Fund (cont d.) Objective & Strategy Fund strategy: The fund s Net Asset Value (NAV) may be invested in fixed income securities carrying a minimum of AA3 rating by RAM or equivalent rating by MARC, Moody s, S&P or Fitch. The strategy is to invest in a diversified portfolio of approved fixed income securities. The asset allocation of the fund is at least 80% in fixed income securities at all times. Fund manager: CIMB-Principal Asset Management Berhad Sun Life Fund objective: This fund feeds into the CIMB- Malaysia Principal Equity Income Fund ( target fund ) Equity Income with the objective to provide investors with an Fund opportunity to gain consistent and stable income by investing in a diversified portfolio of dividend yielding equities and fixed income securities. The target fund may also provide moderate capital growth potential over the medium to long-term period. Fund strategy: The target fund may opt to invest in foreign equities up to a maximum of 50% of Net Asset Value (NAV). Such foreign equities must be companies domiciled in, listed in, and/or have significant operations in Asia (ex Japan) markets. The target fund may invest in foreign markets where the regulatory authorities are members of the International Organization of Securities Commissions (IOSCO). The target fund is subject to the limit set by Bank Negara Malaysia (BNM) and any conditions imposed by the Securities Commission Malaysia (SC) from time to time. The asset allocation of the target fund is as follows: Equities: Minimum 70%, maximum 98%; Investing into diversified portfolio of dividend yielding equities and/or fixed income securities Liquid assets: Minimum 2% of target fund s NAV Equities selection for the funds: Asian (ex Japan) equities Fund manager: CIMB-Principal Asset Management Berhad
Investment-linked funds (cont d.) Fund Sun Life Malaysia Select Asia (ex Japan) Quantum Fund Objective & Strategy Fund objective: This fund feeds into the Affin Hwang Select Asia (ex Japan) Quantum Fund ( target fund ) with the objective to achieve consistent capital appreciation over medium to long-term by investing mainly in growth companies in Asia (ex Japan) with market capitalisation of not more than USD1.5 billion at the time of acquisition, subject to the flexibility of investing up to 25% of the Net Asset Value (NAV) of the target fund in companies in Asia (ex Japan) with market capitalisation of not more than USD3.0 billion at the time of acquisition. Fund strategy: The target fund invest mainly in growth companies in Asia (ex Japan) with a market capitalisation of not more than USD1.5 billion (50% - 99.8% of the NAV of the target fund) and USD3.0 billion (maximum 25% of the NAV of the target fund) respectively. These companies would have the potential to achieve strong rates of growth, as well as key investment and sectoral themes prevailing in the market at any period in time. The asset allocation of the target fund is as follows: Equities: Minimum 75%, maximum 99.80% Liquid assets: The remaining balance Equities selection for the funds: Asian (ex Japan) equities Fund manager: Affin Hwang Asset Management Berhad (formerly known as Hwang Investment Management Berhad) Sun Life Malaysia Asia Pacific Dynamic Income Fund Fund objective: This fund feeds into CIMB- Principal Asia Pacific Dynamic Income Fund ( target fund ) with the objective to provide regular income by investing primarily in the Asia Pacific (ex Japan) region and at the same time aims to achieve capital appreciation over the medium to long-term. Fund strategy: The target fund will be managed through investment in the Asia Pacific (ex Japan) region regardless of market conditions. The companies invested in must be domiciled in, and/ or have significant operations in Asia Pacific (ex Japan). Under general conditions, the target fund s
Investment-linked funds (cont d.) Fund Sun Life Malaysia Asia Pacific Dynamic Income Fund (cont d.) Objective & Strategy investment will focus on high dividend yielding equities of companies and companies with good growth potential. The target fund may also invest up to 15% of the target fund s Net Asset Value (NAV) in fixed income instruments. The target fund s fixed income investments will generally be restricted to securities rated at least a minimum credit rating of BBB3 or P2 by RAM or equivalent rating by MARC or by local rating agency(ies) of the country or BB by S&P or equivalent rating by Moody s or Fitch. The asset allocation of the target fund is as follows: Equities: Minimum 70%, maximum 98% Fixed income instruments: Maximum 15% Liquid assets: Minimum 2% Equities selection for the fund: Asia Pacific (ex Japan) equities Fund manager: CIMB-Principal Asset Management Berhad Sun Life Malaysia Global Titans Fund Fund objective: This fund feeds into CIMB- Principal Global Titans Fund ( target fund ) with the objective to achieve medium to long-term capital gains by investing into the U.S, Europe and Japan equities while having some Malaysia equities exposure to counter the short-term volatility in the global equities markets. Fund strategy: The target fund invests at least 50% of its Net Asset Value (NAV) in 3 collective investment schemes, subject to a maximum of 98% of its NAV. It may invest in Malaysian securities but only up to 50% of its NAV. The target fund seeks to give investors a broad exposure to 3 global regions which attract over 90% of global investment monies in equities. This will be achieved by investing in 3 PGI funds which invest into these 3 markets. The asset allocation of the target fund is as follows: Equities: Minimum 50%, maximum 98% Liquid assets: The remaining balance Equities selection for the funds: PGI US Equity Fund, PGI European Equity Fund, PGI Japanese Equity Fund and Malaysia equities * PGI Funds refer to Principal Global Investors Funds
Investment-linked funds (cont d.) Fund Sun Life Malaysia Global Titans Fund (cont d.) Objective & Strategy Fund manager: CIMB-Principal Asset Management Berhad Top-up Minimum Scheduled Top-Up Premium RM50 (in multiple of RM10) per month Single Top-Up Premium RM500 (in multiple of RM10) per transaction Maximum No limit No limit Premium allocation The allocated premiums will be directed into the funds selected by policy owner. Premium Year Allocated Premium (% of Insurance Premium) Allocated Premium (% of Top-up Premium) 1 45% 95% 2 60% 95% 3 80% 95% 4 90% 95% 5 and onwards 100% 95% Note: The unallocated premium will be utilised for commission and management expenses. Fees & charges Cost of insurance (COI) COI of the basic policy including optional riders (if any) shall be due on the policy issue date and on every monthly anniversary thereafter. COI will be deducted from the account value through cancellation of units. The COI deducted is subject to Goods and Services Tax (GST 2 ), where applicable. Service charge RM5.30 (inclusive of GST 2 ) per policy per month will be deducted from the account value through cancellation of units in each fund at the proportion according to account value.
Fees & charges (cont d.) Fund switching charges Partial withdrawal charges Fund management charges (FMC) No charges for the first 3 fund switches for every policy year. Subsequent switches are subject to RM53 (inclusive of GST 2 ) per switch. RM53 (inclusive of GST 2 ) per transaction from the partial withdrawal amount. Please refer to the Fund Fact Sheet for details and charges. Note: All fees & charges are not guaranteed and any changes will be notified to you in writing at least 90 days prior to the effective date. 2 The Goods and Services Tax (GST) as per Goods and Services Tax Act 2014 is currently at 6%. The prevailing rate of GST is subject to change. Commissions Below are the sample commissions (as a percentage of insurance premium) based on insurance premium of RM2,400 per annum: Policy Year 1 2 3 4 5 6 Commission rate (%) 20 5 5 5 5 5 Commission 480 120 120 120 120 120 Policy Year 7 8 9 10 Thereafter Commission rate (%) 5 5 5 5 0 Commission 120 120 120 120 0 1) For scheduled top-up premium/single top-up premium, 3.75% commission is payable and borne by policy owner. 2) Production bonus (5% of the 1 st year insurance premium) and persistency bonus (10% of 2 nd and 3 rd year insurance premium) are payable and borne by policy owner. Riders for added protection SunLink gives you the freedom to choose and include various unit-deducting riders to your basic plan: 1) Hospitalisation and Surgical Benefit Rider 2) Multiple Pay Critical Illness Benefit Rider 3) Accidental Death Benefit Rider 4) Weekly Disability Income Benefit Rider 5) Life Assured Waiver of Premium Benefit Rider 6) Policy Owner Waiver of Premium Benefit Rider
Riders for added protection (cond t) Please refer to the policy documents for the full list of terms, conditions and exclusions under these riders. 1) Hospitalisation and Surgical Benefit Rider With the emergence of new diseases and the rise of accidents everyday, medical care has become a necessity for everyone. Our Hospitalisation and Surgical Benefit Rider helps reduce the financial burden due to escalating medical cost. Schedule of benefits Plan Benefits A) Hospital Room & Board 3 Hospital room & board (maximum of 180 days per year) Intensive care unit (maximum of 60 days per year) Plan A B) Hospitalisation Expenses Hospital supplies and services C) Expenses For Surgical Cases Surgical fees (subject to surgical schedule) Anesthetist s fees Operating theatre fees Plan B Plan C Plan D 150 250 350 500 As charged As charged Pre-hospital diagnostic services (within 90 days prior to hospital admission) As charged Post-hospital treatment (within 60 days after hospital discharge) D) Expenses For Non-Surgical Cases In-hospital physician visit (maximum of 120 days per year and 2 visits per day) As charged
Schedule of benefits (cont d.) Plan Benefits Plan A Plan B D) Expenses For Non-Surgical Cases (cont d.) Plan C Plan D Pre-hospital specialist consultation (within 90 days prior to hospital admission) Post-hospital treatment (within 60 days after hospital discharge) Emergency accidental dental treatment (within 24 hours after the accident) As charged Emergency outpatient accidental treatment (within 24 hours after the accident) Day surgery procedure Emergency outpatient sickness treatment (from 12am to 6am) Ambulance fees Government hospital daily cash allowance (maximum of 180 days per year) Major organ transplant 4 (once per life time) 50 50 50 50 As charged Medical report fees 100 100 100 100 Out-patient cancer treatment Out-patient kidney dialysis treatment As charged As charged Home nursing care (maximum per disability) 500 750 1,000 1,500 Goods and Services Tax (GST) As charged
Schedule of benefits (cont d.) Plan Benefits Plan A Plan B Plan C Plan D Overall Annual Limit 75,000 125,000 175,000 250,000 Overall Lifetime Limit 750,000 1,250,000 1,750,000 2,500,000 3 In the event of upgrading the room & board, the life assured shall bear the full differences between the actual charges and the eligible room and board benefit and 20% of the other eligible benefits under the hospital bill. 4 Covers the cost of major organ transplant of the life assured, as the recipient of the organ harvested and not the living donor. 2) Multiple Pay Critical Illness Benefit Rider Multiple Pay Critical Illness Benefit Rider provides additional coverage on critical illnesses which allows the life assured to make as many as 4 claims and up to 4 times of the rider s sum assured will be payable to you through the rider term. Each critical illness diagnosis will be from different grouping of critical illnesses except for Angioplasty and Other Invasive Treatments for Coronary Artery Disease and Cancer. This rider also covers for 2 occurences of Cancer provided that the maximum payable limit has not been reached. In the event of Angioplasty and Other Invasive Treatments for Coronary Artery Disease, only 10% of rider s sum assured or a maximum of RM25,000 will be payable. Grouping of critical illnesses: Group 1 Angioplasty and Other Invasive Treatments for Coronary Artery Disease Coronary Artery By-Pass Surgery Heart Attack Kidney Failure Major Organ Transplant (Kidney) Medullary Cystic Disease Serious Coronary Artery Disease Stroke Systemic Lupus Erythematosus with Severe Kidney Complications Group 2 Cardiomyopathy Heart Valve Surgery Major Organ Transplant (Heart) Surgery to Aorta
Riders for added protection (cont d.) 2) Multiple Pay Critical Illness Benefit Rider (cont d.) Group 3 Benign Brain Tumor Blindness Permanent and Irreversible Brain Surgery Coma Deafness Permanent and Irreversible Loss of Speech Major Head Trauma Third Degree Burns Group 4 End-Stage Liver Failure End-Stage Lung Disease Fulminant Viral Hepatitis Major Organ Transplant (Liver/Lung/Pancreas) Primary Pulmonary Arterial Hypertension Group 5 Alzheimer s Disease/Severe Dementia Bacterial Meningitis Encephalitis Loss of Independence Existence Motor Neuron Disease Multiple Sclerosis Muscular Dystrophy Paralysis of Limbs Parkinson s Disease Group 6 Cancer Chronic Aplastic Anemia HIV Infection Due To Blood Transfusion Major Organ/Bone Marrow Transplant 3) Accidental Death Benefit Rider Accidental Death Benefit Rider will ensure you and your family are financially protected at all times in the unfortunate event of death. Accidental Death Benefit Rider provides additional 100% of rider s sum assured coverage in the event the life assured dies due to accidental causes. 4) Weekly Disability Income Benefit Rider Disability due to an accident or illness can result in a loss of income. Our Weekly Disability Income Benefit Rider can go a long way in assisting you and your family by providing continuous income in your time of need.
Riders for added protection (cont d.) 4) Weekly Disability Income Benefit Rider (cont d.) This rider provides weekly disability income for up to 52 weeks in the event the life assured suffers from disability due to illness (which results in hospitalisation) or accident. 5) Life Assured Waiver of Premium Benefit Rider We understand that your family s well-being is your number one priority. More than anything, you want to ensure that their needs are taken care of and their future is secured at all times especially should you fall critically ill. Life Assured Waiver of Premium Benefit Rider waives all future premiums until the expiry of the basic plan upon diagnosis of any 1 of the covered 36 critical illnesses. 6) Policy Owner Waiver of Premium Benefit Rider There is nothing more important than protecting your family and making sure that their needs are met. You work hard everyday to provide for them but will it be enough to ensure a secured future for them? Policy Owner Waiver of Premium Benefit Rider waives all future premiums until the expiry of the rider term in the event the policy owner dies, suffers from TPD or upon diagnosis of any 1 of the covered 36 critical illnesses. TPD coverage shall cease on the policy anniversary, immediately following the policy owner s 65 th birthday. List of 36 Critical Illnesses (for Life Assured Waiver of Premium Benefit Rider and Policy Owner Waiver of Premium Benefit Rider) 1 Alzheimer s Disease/Severe Dementia 2 Bacterial Meningitis 3 Benign Brain Tumor 4 Blindness Permanent and Irreversible 5 Brain Surgery 6 Cancer 7 Cardiomyopathy 8 Chronic Aplastic Anemia 9 Coma 10 Coronary Artery By-Pass Surgery 11 Deafness Permanent and Irreversible 12 Encephalitis
Riders for added protection (cont d.) List of 36 Critical Illnesses (cont d.) (for Life Assured Waiver of Premium Benefit Rider and Policy Owner Waiver of Premium Benefit Rider) 13 End-Stage Liver Failure 14 End-Stage Lung Disease 15 Fulminant Viral Hepatitis 16 Heart Attack 17 Heart Valve Surgery 18 HIV Infection Due To Blood Transfusion 19 Kidney Failure 20 Loss of Independence Existence 21 Loss of Speech 22 Major Head Trauma 23 Major Organ/Bone Marrow Transplant 24 Medullary Cystic Disease 25 Motor Neuron Disease 26 Multiple Sclerosis 27 Muscular Dystrophy 28 Paralysis of Limbs 29 Parkinson's Disease 30 Primary Pulmonary Arterial Hypertension 31 Serious Coronary Artery Disease 32 Stroke 33 Surgery to Aorta 34 Systemic Lupus Erythematosus with Severe Kidney Complications 35 Terminal Illness 36 Third Degree Burns
Exclusions (Note: This list is non-exhaustive. Please refer to the policy documents for further information on exclusions) Benefits Death Benefit TPD Benefit Exclusions Only the account value will be payable if death of the life assured is due to suicide (while sane or insane) within 12 months from the policy issue date or reinstatement date, whichever is later. No benefit shall be payable if the TPD is due to: Active duty in navy, army, air force, fire service and police; AIDS; Air travel other than commercial flights; Breach of law; Misuse of drugs or alcohol; Any attempted suicide or self-inflicted injury (while sane or insane); or Strike, riot, civil commotion. Hospitalisation and Surgical Benefit Rider No benefit shall be payable if hospitalisation, surgery or charges caused directly or indirectly, wholly or partly, by any one of the following occurrences: AIDS; Air travel other than commercial flights; Any attempted suicide or self-inflicted injury (while sane or insane); Circumcision or sterilisation procedures; Congenital abnormalities; Cosmetic or plastic surgery; Dental treatment or oral surgery; External prosthetic appliances or devices; Hazardous sports; Misuse of drugs or alcohol; Medical or physical conditions arising within waiting period; Treatment for alcoholic or drug addiction; Organ donation; Pregnancy, childbirth, miscarriage or abortion; Pre-existing condition; Psychotic, mental or nervous disorders; Radiation or contamination from nuclear; Sex changes; Specified illnesses; or Strike, riot, civil commotion.
Exclusions (cont d.) Benefits Multiple Pay Critical Illness Benefit Rider Exclusions No benefit shall be payable if critical illness caused directly or indirectly, wholly or partly, by any one of the following occurrences: AIDS; Congenital conditions; Critical illness within waiting period except for critical illness conditions due to accidental injuries; Dies within survival period; Misuse of alcohol or drugs; Participating in any avocation/activities such as racing of any kind, aerial sports, scuba diving, professional sports; Pre-existing condition; Self-inflicted injuries while sane or insane; or War, biological/chemical warfare, terrorism. Accidental Death Benefit Rider Weekly Disability Income Benefit Rider No benefit shall be payable if accidental death caused directly or indirectly, wholly or partly, by any one of the following occurrences: Air travel other than commercial flights; Any attempted suicide or self-inflicted injury (while sane or insane); Criminal act; Hazardous sports; Misuse of drugs or alcohol; Pregnancy of childbirth; Pre-existing physical or mental defect; or Strike, riot, civil commotion. No benefit shall be payable if temporary total disability or temporary partial disability caused directly or indirectly, wholly or partly, by any one of the following occurrences: Air travel other than commercial flights; Any attempted suicide or self-inflicted injury (while sane or insane); Criminal act; Hazardous sports; Misuse of drugs or alcohol; Pregnancy of childbirth; Pre-existing condition; Strike, riot, civil commotion; or Disability due to illness within waiting period.
Exclusions (cont d.) Benefits Life Assured Waiver of Premium Benefit Rider Policy Owner Waiver of Premium Benefit Rider Exclusions No future premium shall be waived if critical illness caused directly or indirectly, wholly or partly, by any one of the following occurrences: AIDS; Congenital conditions; Critical illness within waiting period except for critical illness conditions due to accidental injuries; Misuse of alcohol or drugs; Participating in any avocation/activities such as racing of any kind, aerial sports, scuba diving, professional sports; Pre-existing condition; Self-inflicted injuries while sane or insane; or War, biological/chemical warfare, terrorism. No future premium shall be waived if: 1) Death is due to suicide (while sane or insane) within 12 months from the policy issue date or reinstatement date, whichever is later. 2) TPD is due to: Active duty in navy, army, air force, fire service, police; AIDS; Air travel other than commercial flights; Breach of law; Misuse of alcohol or drugs; Any attempted suicide or self-inflicted injury (while sane or insane); or Strike, riot, civil commotion. 3) Critical illness caused directly or indirectly, wholly or partly, by any one of the following occurrences: AIDS; Congenital conditions; Critical illness within waiting period except for critical illness conditions due to accidental injuries; Misuse of alcohol or drugs; Participating in any avocation/activities such as racing of any kind, aerial sports, scuba diving, professional sports; Pre-existing condition; Self-inflicted injuries while sane or insane; or War, biological/chemical warfare, terrorism.
Important notes 1) This is an insurance product that is tied to the performance of the underlying assets, and is not a pure investment product such as unit trust. 2) This is a product brochure and is not a policy contract document. Please refer to the Fund Fact Sheet, Sales Illustration and Product Disclosure Sheet for more information on the plan as well as the policy contract documents for the complete terms and conditions of this plan. 3) You should be satisfied that this plan will best serve your needs and ensure that the premium payable under this plan is an amount that you can afford. 4) If your purchase involves a premium of sizeable amount say RM5,000 and above, you should consider purchasing a single premium investment-linked plan as single premium plans offer better allocation rates for investment. 5) You may cancel your policy within 15 days of its delivery and the amount of refund that you will receive is the sum of the unallocated premiums, the account value as at the next valuation date and any cost of insurance and service charge that have been deducted, less any expenses incurred for any medical underwriting required. 6) If you terminate your policy in the early years, you may get back less than the amount that you have paid. 7) If you do not pay the premium within 31 days of grace period, there will be a possibility that at any time your account value might be insufficient to support the basic policy and the rider(s) attached (if any) and your policy will lapse. 8) The premium amount paid is allowed as an income tax deduction subject to the Inland Revenue Board. 9) All taxes, including without limitation any goods and services tax, and/or other forms of sales or consumption tax, whether currently in force or implemented after the date of the policy will be charged in accordance with the applicable legislation at the prevailing rate. Where necessary, we will amend the terms of the policy to take into account any such tax. 10) This plan is underwritten by Sun Life Malaysia Assurance Berhad (197499-U), an insurer registered with Bank Negara Malaysia under the Financial Services Act 2013. 11) This plan is distributed by CIMB Bank Berhad (13491-P) and is located at Menara Bumiputra-Commerce, 11, Jalan Raja Laut, 50350 Kuala Lumpur, Malaysia.
For more information, log on to www.cimbbank.com.my, call +603 6204 7788 or visit any of our CIMB Bank branches nationwide. Connect with us on: CIMB Malaysia CIMB_Assists Underwritten by Sun Life Malaysia Assurance Berhad (197499-U) Level 11, 338 Jalan Tuanku Abdul Rahman 50100 Kuala Lumpur, Malaysia Telephone (603) 2612 3600 Facsimile (603) 2698 7035 Customer Careline 1300-88-5055 sunlifemalaysia.com A joint venture between Sun Life Assurance Company of Canada and Renggis Ventures Sdn Bhd CIMB Bank Berhad (13491-P)
Apa itu SunLink? Ia adalah pelan berkaitan-pelaburan premium berkala yang menawarkan perlindungan insurans dan potensi pulangan pelaburan sehingga umur 99 tahun. Selain daripada perlindungan ke atas Kematian dan Hilang Upaya Menyeluruh dan Kekal (TPD), SunLink membolehkan anda melabur di dalam dana-dana yang anda inginkan dan menggunakan sepenuhnya kemudahan untuk penambahan, penukaran dana dan pengeluaran separa. Walau apa jua perancangan anda, sama ada mula berkeluarga, menyediakan pendidikan anak-anak, memulakan perniagaan sendiri atau merancang untuk persaraan, anda yakin dan tahu bahawa anda memiliki fleksibiliti untuk memilih apa yang anda perlukan untuk memenuhi obligasi dan matlamat kewangan anda. Bukan itu sahaja, ia adalah pelan pintar yang memberikan anda kebebasan untuk memilih pelbagai rider seperti Hospitalisation and Surgical, Multiple Pay Critical Illness, Accidental Death, Weekly Disability Income dan Waiver of Premium sebagai jaminan kewangan tambahan. Dengan SunLink, kini anda mampu menjalani kehidupan dengan penuh yakin, tanpa dibelenggu kebimbangan. Mengenai SunLink Pelan ini menyediakan manfaat-manfaat berikut: Kematian Jumlah yang diinsuranskan bersama nilai akaun TPD Jumlah yang diinsuranskan bersama nilai akaun (Perlindungan TPD akan tamat pada ulang tahun polisi, sejurus selepas hari lahir ke-65 orang yang diinsuranskan) Serahan Nilai serahan adalah bersamaan dengan nilai akaun, yang dikira dengan merujuk kepada nilai unit-unit yang dikeluarkan pada harga semasa tarikh penilaian, sejurus selepas penerimaan permohonan untuk pengeluaran Apabila matang pada umur 99 tahun Jumlah yang diinsuranskan bersama nilai akaun Tempoh dan bayaran premium Tempoh premium adalah bersamaan dengan tempoh polisi. Premium insurans minimum adalah RM2,400 setahun dan bayaran boleh dibuat secara bulanan, suku tahunan, setengah tahunan atau tahunan dengan menggunakan kad kredit atau debit terus.
Tempoh polisi 99 tahun ditolak umur kemasukan orang yang diinsuranskan. Kelayakan (Berdasarkan umur pada hari jadi terakhir) Orang yang Diinsuranskan Pemilik Polisi Umur kemasukan minimum 30 hari 18 tahun Umur kemasukan maksimum 65 tahun Tiada had 1 Umur tamat maksimum 99 tahun Tidak berkaitan 1 Sah untuk pelan asas sahaja tanpa rider. Dana-dana berkaitan-pelaburan Berdasarkan matlamat kewangan dan toleransi risiko individu, anda boleh melabur di dalam satu atau lebih dana-dana berkaitanpelaburan pilihan anda yang diuruskan secara profesional: Dana Objektif & Strategi Dana Sun Life Malaysia Growth Objektif dana: Memaksimumkan pertumbuhan modal melalui pelaburan jangka sederhana hingga jangka panjang di dalam pasaran saham. Strategi dana: Dana ini boleh melabur sehingga 98% daripada Nilai Aset Bersih (NAB) di dalam ekuiti, dengan tumpuan kepada pelaburan di dalam saham syarikat-syarikat yang mempunyai potensi pertumbuhan dan tersenarai di papan utama Bursa Malaysia Berhad. Peruntukan aset dana adalah seperti berikut: Sekurang-kurangnya 80% dalam ekuiti pada setiap masa Baki di dalam aset-set cair Pengurus Dana: CIMB-Principal Asset Management Berhad Dana Sun Life Malaysia Balanced Moderate Objektif dana: Menyediakan pelaburan seimbang dalam ekuiti dan bon. Strategi dana: Ia bergantung kepada Dana Sun Life Malaysia Growth dan Dana Sun Life Malaysia Conservative mengikut peruntukan aset dana yang telah ditetapkan seperti berikut: Dana Sun Life Malaysia Growth: 50% Dana Sun Life Malaysia Conservative: 50% Pengurus Dana: CIMB-Principal Asset Management Berhad
Dana-dana berkaitan-pelaburan (samb.) Dana Dana Sun Life Malaysia Conservative Dana Sun Life Malaysia Equity Income Objektif & Strategi Objektif dana: Mencapai peningkatan modal jangka sederhana hingga jangka panjang melalui pelaburan terutamanya dalam bon-bon Malaysia. Strategi dana: Nilai Aset Bersih (NAB) dana ini boleh dilaburkan di dalam sekuriti pendapatan tetap yang mempunyai penarafan minimum AA3 dari RAM atau penarafan seumpamanya oleh MARC, Moody s, S&P atau Fitch. Strategi pelaburannya adalah untuk melabur di dalam pelbagai portfolio sekuriti pendapatan tetap yang diluluskan. Peruntukan aset dana adalah sekurang-kurangnya 80% dalam sekuriti pendapatan tetap pada setiap masa. Pengurus Dana: CIMB-Principal Asset Management Berhad Objektif dana: Dana ini melabur ke dalam Dana CIMB-Principal Equity Income ( dana sasaran ) dengan objektif untuk memberi peluang kepada pelabur untuk mendapat pendapatan yang konsisten dan stabil dengan melabur dalam pelbagai portfolio ekuiti yang memberikan dividen dan sekuriti pendapatan tetap. Dana sasaran ini juga boleh memberikan potensi pertumbuhan modal di dalam jangka sederhana ke jangka panjang. Strategi dana: Dana sasaran boleh memilih untuk melabur dalam ekuiti luar negara sehingga maksimum 50% daripada Nilai Aset Bersihnya (NAB). Ekuiti luar negara tersebut mestilah syarikat-syarikat yang diperbadankan dalam, disenaraikan dalam, dan/atau mempunyai operasi yang ketara di pasaran Asia (kecuali Jepun). Dana sasaran mungkin melabur dalam pasaran luar negara di mana pihak berkuasa kawal selia merupakan ahli-ahli Pertubuhan Suruhanjaya Sekuriti Antarabangsa (IOSCO). Dana sasaran adalah tertakluk kepada had yang ditetapkan oleh Bank Negara Malaysia (BNM) dan apa-apa syarat yang dikenakan oleh Suruhanjaya Sekuriti Malaysia (SC) dari semasa ke semasa. Peruntukan aset dana sasaran adalah seperti berikut:
Dana-dana berkaitan-pelaburan (samb.) Dana Dana Sun Life Malaysia Equity Income (samb.) Objektif & Strategi Ekuiti: Minimum 70%, maksimum 98%; Melabur dalam pelbagai portfolio ekuiti yang memberikan dividen dan sekuriti pendapatan tetap Aset Cair: Minimum 2% daripada NAB dana sasaran Pilihan ekuiti bagi dana ini: Ekuiti Asia (kecuali Jepun) Pengurus dana: CIMB-Principal Asset Management Berhad Dana Sun Life Malaysia Select Asia (ex Japan) Quantum Objektif Dana: Dana ini melabur ke dalam Dana Affin Hwang Select Asia (ex Japan) Quantum ( dana sasaran ) dengan objektif untuk mencapai peningkatan modal konsisten dalam jangka sederhana ke jangka panjang dengan melabur terutamanya dalam syarikat-syarikat pertumbuhan di Asia (kecuali Jepun) dengan modal pasaran yang tidak melebihi USD1.5 bilion pada masa perolehan, tertakluk kepada fleksibiliti untuk melabur sehingga 25% daripada Nilai Aset Bersih (NAB) dana sasaran dalam syarikat-syarikat di Asia (kecuali Jepun) dengan modal pasaran tidak melebihi USD3.0 bilion pada masa perolehan. Strategi dana: Dana sasaran melabur terutamanya dalam syarikat pertumbuhan di Asia (kecuali Jepun) dengan modal pasaran yang tidak melebihi USD1.5 bilion (50%-99.8% daripada NAB dana sasaran) dan USD3.0 bilion (maksimum 25% daripada NAB dana sasaran) masingmasing. Syarikat-syarikat ini akan mempunyai potensi untuk mencapai kadar pertumbuhan yang kukuh, dan pelaburan utama dan tema sektor yang wujud di pasaran pada bila-bila tempoh masa. Peruntukan aset dana sasaran adalah seperti berikut: Ekuiti: Minimum 75%, maksimum 99.80% Aset Cair: Baki Pilihan ekuiti bagi dana ini: Ekuiti Asia (kecuali Jepun) Pengurus dana: Affin Hwang Asset Management Berhad (dahulunya dikenali sebagai Hwang Investment Management Berhad)
Dana-dana berkaitan-pelaburan (samb.) Dana Dana Sun Life Malaysia Asia Pacific Dynamic Income Objektif & Strategi Objektif Dana: Dana ini melabur ke dalam Dana CIMB-Principal Asia Pacific Dynamic Income ( dana sasaran ) dengan objektif untuk menyediakan pendapatan yang tetap melalui pelaburan terutamanya di rantau Asia Pasifik (kecuali Jepun) dan pada masa yang sama bermatlamat untuk mencapai peningkatan modal dalam jangka sederhana hingga jangka panjang. Strategi dana: Dana sasaran akan diuruskan melalui pelaburan di rantau Asia Pasifik (kecuali Jepun) tanpa mengambil kira keadaan pasaran. Syarikat-syarikat yang dilaburkan mestilah berdomisil, disenaraikan, dan/atau mempunyai operasi ketara di negara-negara Asia Pasifik (kecuali Jepun). Di bawah syarat-syarat am, pelaburan dana sasaran akan ditumpukan kepada ekuiti syarikat yang memberikan pulangan dividen yang tinggi dan syarikat dengan potensi pertumbuhan yang baik. Dana sasaran juga boleh melaburkan sehingga 15% daripada Nilai Aset Bersih (NAB) dana sasaran ke dalam instrumen pendapatan tetap. Pelaburan pendapatan tetap dana sasaran secara umumnya akan dihadkan kepada sekuriti yang mempunyai penarafan minimum sekurang-kurangnya kredit BBB3 atau P2 oleh RAM atau penarafan yang setaraf dengannya oleh MARC atau oleh agensi(- agensi) penarafan tempatan negara atau BB oleh S&P atau penarafan yang setaraf dengannya oleh Moody s atau Fitch. Peruntukan aset dana sasaran adalah seperti berikut: Ekuiti: Minimum 70%, maksimum 98% Instrumen pendapatan tetap: Maksimum 15% Aset cair: Minimum 2% Pilihan ekuiti untuk dana: Ekuiti Asia Pasifik (kecuali Jepun) Pengurus dana: CIMB-Principal Asset Management Berhad
Dana-dana berkaitan-pelaburan (samb.) Dana Dana Sun Life Malaysia Global Titans Objektif & Strategi Objektif dana: Dana ini melabur ke dalam Dana CIMB-Principal Global Titans ( dana sasaran ) dengan objektif untuk mencapai keuntungan modal jangka sederhana ke jangka panjang dengan melabur dalam ekuiti A.S, Eropah dan Jepun manakala mempunyai pendedahan dalam ekuiti Malaysia untuk menangani ketidaktentuan jangka pendek dalam pasaran ekuiti global. Strategi dana: Dana sasaran melabur sekurangkurangnya 50% daripada Nilai Aset Bersih (NAB) dalam 3 skim pelaburan kolektif, tertakluk kepada maksimum 98% daripada NAB. Ia boleh melabur dalam sekuriti Malaysia tetapi hanya sehingga 50% daripada NAB. Dana sasaran bertujuan untuk memberi pelabur pendedahan yang luas untuk 3 rantau global yang menarik lebih daripada 90% wang pelaburan global dalam ekuiti. Ini akan dicapai dengan melabur dalam 3 dana-dana PGI yang melabur ke dalam 3 pasaran ini. Peruntukan aset dana sasaran adalah seperti berikut: Ekuiti: Minimum 50%, maksimum 98% Aset Cair: Baki Pilihan ekuiti bagi dana ini: Dana PGI US Equity, Dana PGI European Equity, Dana PGI Japanese Equity dan ekuiti Malaysia * Dana PGI merujuk kepada Dana Principal Global Investors Pengurus dana: CIMB-Principal Asset Management Berhad Penambahan Minimum Premium Penambahan Berjadual RM50 (dalam gandaan RM10) setiap bulan Premium Penambahan Tunggal RM500 (dalam gandaan RM10) setiap transaksi Maksimum Tiada had Tiada had
Peruntukan premium Premium yang diperuntukkan akan disalurkan ke dalam dana-dana yang dipilih oleh pemilik polisi. Tahun Premium Peruntukan Premium (% dari Premium Insurans) Peruntukan Premium (% dari Premium Penambahan) 1 45% 95% 2 60% 95% 3 80% 95% 4 90% 95% 5 dan ke atas 100% 95% Nota: Premium yang tidak diperuntukkan akan digunakan untuk komisen dan perbelanjaan pengurusan. Yuran & caj Kos insurans (COI) Caj perkhidmatan Caj penukaran dana Caj pengeluaran separa Caj pengurusan dana (FMC) COI untuk polisi asas termasuk pilihan rider (jika ada) perlu dibayar pada tarikh pengeluaran polisi dan pada setiap ulang tahun bulanan selepasnya. COI akan ditolak daripada nilai akaun melalui pembatalan unit-unit. COI yang ditolak adalah tertakluk kepada Cukai Barang dan Perkhidmatan (CBP 2 ), yang mana berkenaan. RM5.30 (termasuk CBP 2 ) setiap polisi setiap bulan akan ditolak daripada nilai akaun melalui pembatalan unit-unit dalam setiap dana mengikut perkadaran berdasarkan nilai akaun. 3 penukaran dana tanpa caj disediakan untuk setiap tahun polisi. Penukaran seterusnya tertakluk kepada RM53 (termasuk CBP 2 ) untuk setiap tukaran. RM53 (termasuk CBP 2 ) setiap transaksi daripada amaun pengeluaran separa. Sila rujuk Helaian Fakta Dana untuk maklumat dan caj.
Yuran & caj (samb.) Nota: Semua yuran & caj tidak dijamin dan sebarang perubahan akan dimaklumkan kepada anda dengan memberikan notis bertulis sekurang-kurangnya 90 hari dari tarikh berkuatkuasa. 2 Cukai Barang dan Perkhidmatan (CBP) mengikut Akta Cukai Barang dan Perkhidmatan 2014 yang kini pada kadar 6%. Kadar semasa CBP adalah tertakluk kepada perubahan. Komisen Berikut adalah contoh komisen (sebagai peratusan atas premium insurans) berdasarkan premium insurans RM2,400 setahun: Tahun Polisi 1 2 3 4 5 6 Kadar komisen (%) 20 5 5 5 5 5 Komisen 480 120 120 120 120 120 Tahun Polisi 7 8 9 10 Seterusnya Kadar komisen (%) 5 5 5 5 0 Komisen 120 120 120 120 0 1) Untuk premium penambahan berjadual/premium penambahan tunggal, komisen sebanyak 3.75% perlu dibayar dan ditanggung oleh pemilik polisi. 2) Bonus prestasi (5% daripada premium insurans tahun pertama) dan bonus berterusan (10% daripada premium insurans tahun ke-2 dan ke-3) perlu dibayar dan ditanggung oleh pemilik polisi. Rider untuk perlindungan tambahan SunLink memberikan anda kebebasan untuk memilih dan menyertakan pelbagai rider penolakan unit kepada pelan asas anda: 1) Rider Manfaat Hospitalisation and Surgical 2) Rider Manfaat Multiple Pay Critical Illness 3) Rider Manfaat Accidental Death 4) Rider Manfaat Weekly Disability Income 5) Rider Manfaat Life Assured Waiver of Premium 6) Rider Manfaat Policy Owner Waiver of Premium Sila rujuk kepada dokumen-dokumen polisi untuk senarai penuh terma-terma, syarat-syarat dan pengecualian-pengecualian di bawah rider-rider tersebut.
Rider untuk perlindungan tambahan (samb.) 1) Rider Manfaat Hospitalisation and Surgical Dengan kemunculan penyakit-penyakit baru dan peningkatan kes kemalangan setiap hari, penjagaan perubatan telah mejadi keperluan untuk setiap insan. Rider Manfaat Hospitalisation and Surgical kami boleh membantu mengurangkan beban kewangan akibat peningkatan dalam kos perubatan. Jadual manfaat Manfaat-manfaat Pelan Pelan A Pelan B Pelan C Pelan D A) Bilik & Penginapan Hospital 3 Bilik & penginapan hospital (maksimum 180 hari setahun) 150 250 350 500 Unit rawatan rapi (maksimum 60 hari setahun) B) Perbelanjaan Hospital Seperti caj yang dikenakan Bekalan dan perkhidmatan hospital C) Perbelanjaan Pembedahan Yuran pembedahan (tertakluk kepada jadual pembedahan) Yuran pakar bius Yuran dewan pembedahan Perkhidmatan diagnosis sebelum kemasukan hospital (dalam tempoh 90 hari sebelum kemasukan hospital) Rawatan selepas kemasukan hospital (dalam tempoh 60 hari selepas keluar hospital) Seperti caj yang dikenakan Seperti caj yang dikenakan
Jadual manfaat (samb.) Manfaat-manfaat Pelan Pelan A D) Perbelanjaan Bukan Pembedahan Lawatan pakar perubatan dalam hospital (maksimum 120 hari setahun dan 2 lawatan sehari) Pelan B Pelan C Pelan D Rundingan pakar sebelum kemasukan hospital (dalam tempoh 90 hari sebelum kemasukan hospital) Rawatan selepas kemasukan hospital (dalam tempoh 60 hari selepas keluar hospital) Rawatan kecemasan kemalangan pergigian (dalam tempoh 24 jam selepas kemalangan) Rawatan kecemasan kemalangan pesakit luar (dalam tempoh 24 jam selepas kemalangan) Prosedur pembedahan harian Rawatan kecemasan pesakit luar (dari pukul 12 pagi hingga 6 pagi) Yuran ambulans Elaun tunai harian di hospital kerajaan Malaysia (maksimum 180 hari setahun) Pemindahan organ utama 4 (sekali seumur hidup) Yuran laporan perubatan Seperti caj yang dikenakan 50 50 50 50 Seperti caj yang dikenakan 100 100 100 100
Jadual manfaat (samb.) Manfaat-manfaat Pelan Pelan A Pelan B Pelan C Pelan D D) Perbelanjaan Bukan Pembedahan (samb.) Rawatan kanser pesakit luar Rawatan dialisis buah Seperti caj yang dikenakan pinggang pesakit luar Penjagaan rawatan rumah (maksimum setiap ketidakupayaan) 500 750 1,000 1,500 Cukai Barang dan Perkhidmatan (CBP) Seperti caj yang dikenakan Manfaat-manfaat Pelan Had Tahunan Keseluruhan Had Seumur Hidup Keseluruhan Pelan A Pelan B Pelan C Pelan D 75,000 125,000 175,000 250,000 750,000 1,250,000 1,750,000 2,500,000 3 Sekiranya terdapat naik taraf untuk bilik & penginapan, orang yang diinsuranskan hendaklah menanggung perbezaan penuh antara caj sebenar dengan manfaat bilik dan penginapan yang dibenarkan serta sebanyak 20% daripada manfaat lain yang layak dalam bil hospital. 4 Merangkumi kos untuk pemindahan organ utama orang yang diinsuranskan, sebagai penerima organ dan bukannya sebagai penderma organ. 2) Rider Manfaat Multiple Pay Critical Illness Rider Manfaat Multiple Pay Critical Illness menyediakan perlindungan tambahan untuk penyakit kritikal yang membolehkan orang yang diinsuranskan membuat sebanyak 4 tuntutan dan membayar kepada anda sehingga 4 kali ganda jumlah yang diinsuranskan bagi rider untuk sepanjang tempoh rider. Setiap diagnosis penyakit kritikal hendaklah dari kumpulan penyakit kritikal berlainan kecuali untuk Angioplasti dan Rawatan Invasif Lain untuk Penyakit Arteri Koronari dan Kanser. Rider ini turut memberi perlindungan untuk 2 kejadian Kanser, sekiranya had pembayaran maksimum masih belum dicapai. Untuk Angioplasti dan Rawatan Invasif Lain untuk Penyakit Arteri Koronari, hanya 10% daripada jumlah yang diinsuranskan untuk rider atau maksimum RM25,000 akan dibayar.
Rider untuk perlindungan tambahan (samb.) 2) Rider Manfaat Multiple Pay Critical Illness (samb.) Kumpulan penyakit kritikal: Kumpulan 1 Angioplasti dan Rawatan Invasif Lain untuk Penyakit Arteri Koronari Pembedahan Pintasan Arteri Koronari Serangan Jantung Kegagalan Buah Pinggang Pemindahan Organ Utama (Buah Pinggang) Penyakit Sistik Medular Penyakit Arteri Koronari Serius Strok/Angin Ahmar Lupus Eritematosus Sistemik dengan Komplikasi Buah Pinggang yang Teruk Kumpulan 2 Kardiomiopati Pembedahan Injap Jantung Pemindahan Organ Utama (Jantung) Pembedahan Aorta Kumpulan 3 Tumor Otak Benign Buta Kekal dan Tidak Boleh Pulih Pembedahan Otak Koma Pekak Kekal dan Tidak Boleh pulih Hilang Keupayaan Bertutur Trauma Kepala Major (Teruk) Kelecuran Tahap Ketiga Kumpulan 4 Kegagalan Hati Tahap Akhir Penyakit Paru-paru Tahap Akhir Hepatitis Viral Fulminan Pemindahan Organ Utama (Hati/Paru-paru/Pankreas) Hipertensi Arteri Pulmonari Primer Kumpulan 5 Penyakit Alzheimer/Demensia Teruk Meningitis Bakteria Ensefalitis Kehilangan Upaya Hidup Sendiri (Berdikari) Penyakit Neuron Motor Sklerosis Multipel Distrofi Otot Kelumpuhan Anggota Penyakit Parkinson
Rider untuk perlindungan tambahan (samb.) 2) Rider Manfaat Multiple Pay Critical Illness (samb.) Kumpulan 6 Kanser Anemia Aplastik Kronik Jangkitan HIV Melalui Transfusi Darah Transplan Organ Utama/Sumsum Tulang 3) Rider Manfaat Accidental Death Rider Manfaat Accidental Death akan memastikan anda dan keluarga anda sentiasa dilindungi dari segi kewangan seandainya kematian berlaku. Rider Manfaat Accidental Death menyediakan perlindungan tambahan 100% daripada jumlah yang diinsuranskan untuk rider dalam kejadian kematian orang yang diinsuranskan akibat kemalangan. 4) Rider Manfaat Weekly Disability Income Hilang upaya akibat kemalangan atau penyakit boleh menyebabkan kehilangan pendapatan. Rider Manfaat Weekly Disability Income kami menyediakan pendapatan berterusan yang boleh membantu anda dan keluarga anda di saat anda memerlukannya. Rider ini menyediakan pendapatan mingguan untuk hilang upaya sehingga 52 minggu dalam kejadian hilang upaya atas orang yang diinsuranskan akibat penyakit (yang menyebabkan kemasukan hospital) atau kemalangan. 5) Rider Manfaat Life Assured Waiver of Premium Kami memahami bahawa kesejahteraan keluarga anda adalah keutamaan nombor satu anda. Lebih dari segalanya, anda mahu memastikan kesemua keperluan mereka terjaga dan masa hadapan mereka turut terjamin setiap masa sekiranya anda menghidap penyakit kritikal. Rider Manfaat Life Assured Waiver of Premium akan mengecualikan kesemua premium masa depan sehingga tarikh luput pelan asas apabila anda didiagnosis menghidap salah 1 daripada 36 penyakit kritikal yang dilindungi. 6) Rider Manfaat Policy Owner Waiver of Premium Tidak ada perkara lain yang lebih penting daripada melindungi keluarga anda dan memastikan keperluan mereka dipenuhi. Anda bekerja keras setiap hari untuk menyediakan segalanya kepada mereka tetapi adakah ia mencukupi untuk memastikan masa depan mereka terjamin? Rider Manfaat Policy Owner Waiver of Premium akan mengecualikan kesemua premium masa depan sehingga tamat tempoh rider sekiranya pemilik polisi meninggal dunia, mengalami TPD atau apabila didiagnosis
Rider untuk perlindungan tambahan (samb.) 6) Rider Manfaat Policy Owner Waiver of Premium (samb.) menghidap salah 1 daripada 36 penyakit kritikal yang dilindungi. Perlindungan TPD akan tamat pada ulang tahun polisi, sejurus selepas hari lahir pemilik polisi yang ke-65. Senarai 36 Penyakit Kritikal (untuk Rider Manfaat Life Assured Waiver of Premium dan Rider Manfaat Policy Owner Waiver of Premium) 1 Penyakit Alzheimer/Demensia Teruk 2 Meningitis Bakteria 3 Tumor Otak Benign 4 Buta Kekal dan Tidak Boleh Pulih 5 Pembedahan Otak 6 Kanser 7 Kardiomiopati 8 Anemia Aplastik Kronik 9 Koma 10 Pembedahan Pintasan Arteri Koronari 11 Pekak Kekal dan Tidak Boleh Pulih 12 Ensefalitis 13 Kegagalan Hati Tahap Akhir 14 Penyakit Paru-paru Tahap Akhir 15 Hepatitis Viral Fulminan 16 Serangan Jantung 17 Pembedahan Injap Jantung 18 Jangkitan HIV Melalui Transfusi Darah 19 Kegagalan Buah Pinggang 20 Kehilangan Upaya Hidup Sendiri (Berdikari) 21 Hilang Keupayaan Bertutur 22 Trauma Kepala Major (Teruk) 23 Transplan Organ Utama/Sumsum Tulang 24 Penyakit Sistik Medular 25 Penyakit Neuron Motor 26 Sklerosis Multipel 27 Distrofi Otot
Rider untuk perlindungan tambahan (samb.) Senarai 36 Penyakit Kritikal (samb.) (untuk Rider Manfaat Life Assured Waiver of Premium dan Rider Manfaat Policy Owner Waiver of Premium) 28 Kelumpuhan Anggota 29 Penyakit Parkinson 30 Hipertensi Arteri Pulmonari Primer 31 Penyakit Arteri Koronari Serius 32 Strok/Angin Ahmar 33 Pembedahan Aorta 34 Lupus Eritematosus Sistemik dengan Komplikasi Buah Pinggang yang Teruk 35 Penyakit Terminal (Membawa Maut) 36 Kelecuran Tahap Ketiga Pengecualian-pengecualian (Nota: Senarai ini adalah tidak menyeluruh. Sila rujuk kepada dokumen-dokumen polisi untuk maklumat lanjut mengenai pengecualian-pengecualian) Manfaat Manfaat Kematian Manfaat TPD Pengecualian-pengecualian Hanya nilai akaun yang akan dibayar sekiranya kematian orang yang diinsuranskan disebabkan oleh bunuh diri (sama ada waras atau tidak waras) dalam tempoh 12 bulan dari tarikh polisi dikeluarkan atau tarikh pengembalian semula, yang mana terkemudian. Tiada manfaat akan dibayar sekiranya TPD disebabkan oleh: Berkhidmat secara aktif dalam tentera laut, tentera darat, tentera udara, perkhidmatan berkaitan kebakaran dan polis; AIDS; Perjalanan melalui udara selain dari penerbangan komersial; Melanggar undang-undang; Penyalahgunaan dadah atau alkohol; Sebarang percubaan membunuh diri atau mencederakan diri sendiri (sama ada waras atau tidak waras); atau Mogok, rusuhan, rusuhan awam.
Pengecualian-pengecualian (samb.) Manfaat Rider Manfaat Hospitalisation and Surgical Rider Manfaat Multiple Pay Critical Illness Pengecualian-pengecualian Tiada manfaat akan dibayar sekiranya dimasukkan ke hospital, pembedahan atau caj-caj disebabkan secara langsung atau tidak langsung, keseluruhan atau sebahagian, oleh mana-mana satu yang berikut: AIDS; Perjalanan melalui udara selain dari penerbangan komersial; Sebarang percubaan membunuh diri atau mencederakan diri sendiri (sama ada waras atau tidak waras); Prosedur penyunatan atau pensterilan; Keabnormalan kongenital; Pembedahan kosmetik atau plastik; Rawatan pergigian atau pembedahan oral; Peralatan atau perkakasan prostetik luaran; Sukan berbahaya; Penyalahgunaan dadah atau alkohol; Keadaan perubatan atau fizikal yang berlaku dalam tempoh menunggu; Rawatan untuk ketagihan alkohol atau dadah; Pendermaan organ; Kehamilan, kelahiran anak, keguguran atau pengguguran; Keadaan sedia ada; Sakit jiwa, gangguan mental atau saraf; Radiasi atau pencemaran dari nuklear; Pertukaran jantina; Penyakit tertentu; atau Mogok, rusuhan, rusuhan awam. Tiada manfaat akan dibayar sekiranya penyakit kritikal disebabkan secara langsung atau tidak langsung, keseluruhan atau sebahagian, oleh mana-mana satu yang berikut: AIDS; Keadaan kongenital; Penyakit kritikal dalam tempoh menunggu kecuali keadaan penyakit kritikal disebabkan oleh kecederaan akibat kemalangan; Meninggal dunia dalam tempoh hidup; Penyalahgunaan dadah atau alkohol;