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HEALTH

A-Life Med Regular

ESSENTIALMEDICAL COVERA Solution for YourHealthcareNeeds

aia.com.my

| A-Life Med Regular1

A-Life Med Regular is a standalone medical plan which takes care of you and your family’s long term medical needs with no Lifetime Limits.

Wait no more! Ensure you and your loved ones have the necessary medical cover through A-Life Med Regular.

Would you compromise the recovery of you or your loved ones by settling for less? Many are beginning to find it hard to keep up with rising medical costs. As such, it is crucial to have a comprehensive medical plan which will provide you with adequate medical protection.

A-Life Med RegularEssential Medical Cover

2A-Life Med Regular |

Why A-Life Med Regular?

LIFELONG coverage up to age 100.

NO Lifetime Limit1.

ZERO co-insurance and deductible charges.

OPTIONAL protection for your family.

Referral Emergency Assistance (REA) Programme.

1 Refer to Schedule of Benefits in page 5 for details.

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A closer look at the benefits...Lifelong Coverage up to Age 100• A-Life Med Regular provides you the medical coverage up to age 100.

No Lifetime Limit• With no Lifetime Limit, you can rest assure that you and/or your family’s

healthcare needs will be taken care of, for life2.

Zero Co-insurance and Deductible Charges• A-Life Med Regular pays your medical claim in full2, without imposing any

co-insurance or deductible charges.

Optional Protection for Your Family• You can choose to protect your spouse and/or your children under one plan.

• A maximum of 4 children is allowed per each Family Plan’s coverage.


International MedicalAssistance Programme

Domestic MedicalAssistance Programme

Car AssistanceProgramme4

Home AssistanceProgramme4

Travel AssistanceProgramme4

Emergency medical evacuation and repatriation, repatriation of mortal remains and medical assistance.

Emergency medical evacuation and repatriation and medical assistance.

Emergency towing and minor roadside repair, car rental assistance and referral to service centres.

Plumbing, locksmith, general repair, air conditioning and pest control assistance.

Provides information such as Visa, passport and inoculation requirements, assists in location of lost items, emergency message relay etc.

Referral Emergency Assistance (REA) Programme3

• Enjoy worldwide assistance services by calling our 24-hour service hotline 603-21665421 and reverse the call charges.

• Referral Emergency Assistance (REA) Programme services includes:

2 Subject to Overall Annual Limit.3 The benefits described under the Referral Emergency Assistance (REA) Programme are not exhaustive.

Please refer to your policy contract for detailed benefits, exclusions, terms and conditions. Please note that AIA Bhd. reserves the right to vary any of the services and /or benefits under REA Programme from time to time.

4 These services are confined to referral services only. The cost of the actual services shall be borne by the policyholder. These services are not guaranteed as they are provided by a third party and the continuation of these services are subject to the agreement between the Company and the third party service provider.


Plan 150(RM)

Plan 200(RM)

Plan 250(RM)Benefit LimitsNo.

3,000 4,000 5,000Home Nursing Care (per confinement)(180 days Lifetime Limit)

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As charged, subject to Reasonableand Customary Charges

Organ / Bone Marrow Transplant14

100 100 100Daily Cash Allowance at Government Hospital(120 days maximum per policy year)

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90 110 130Daily Guardian (120 days maximum per policy year)16

N/A N/A N/AOverall Lifetime Limit Per Insured

100,000 125,000 150,000Overall Annual Limit Per Insured (item 1 to 16)

2,000 2,500 3,000Emergency Accidental Out-Patient Treatment and 30 daysFollow-up Treatment at Hospital and Clinic (per accident)

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3,000 4,000 5,000Emergency Accidental Out-Patient DentalTreatment (per accident)

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250,000 312,500 375,000Out-Patient Kidney Dialysis Treatment andOut-Patient Cancer Treatment (per Lifetime)

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USD 1mil USD 1mil USD 1milEmergency Medical Evacuation and Repatriation3

(per event) 20

Please refer to the policy contract for full details of the benefit coverage.


The Schedule of Benefits of A-Life Med Regular is as follows:

Plan 150(RM)

Plan 200(RM)

Plan 250(RM)Benefit Limits

150 200 250Hospital Room and Board(120 days maximum per policy year)

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150 200 250Additional Hospital Room and Board Whilst Overseas(120 days maximum per policy year)2

Intensive Care Unit (120 days maximum per policy year)3

Hospital Supplies and Services4

Surgical Fees5

Operating Theatre Fees6

Anaesthetist’s Fees7

In-Hospital Physician’s Visit(240 visits maximum per policy year)

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Pre-Hospitalization (within 60 days prior to Hospitalization)- Diagnostic Tests- Specialist Consultation- Medication and Treatment (RM 300 maximum per disability)

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Post-Hospitalization Treatment(within 120 days after hospitalization)- Out-Patient Diagnostic X-ray and Lab Tests- Medical Expenses and Consultation

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4,000 6,000 8,000Out-Patient Physiotherapy and Acupuncture(per policy year and within 60 days after hospitalization)

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As charged, subject to Reasonable and

Customary Charges

No.


Find the answers toyour questions here

What is ?A-Life Med Regular is a standalone medical plan which covers up to age 100 of the insured. It provides hospitalization and surgical expenses, with no Lifetime Limit.

On top of this, A-Life Med Regular provides you an option to extend the coverage to your immediate family members.

Who is eligible to buy ?This plan is available to individuals aged between 14 days and 70 years old.

What is the coverage for family members in a plan?All family members under the family plan will enjoy individual benefit limit of the same plan.

Where am I Covered?You are covered worldwide but subject to a maximum of 90 days protection if you are traveling outside Malaysia, Singapore and Brunei. If you are a foreigner, your coverage is confined to hospitalization within Malaysia and hospitalization due to medical emergency only whilst overseas.

Will my premium increase as my age increases?Yes. The premium payable will depend on your attained age at the next birthday when the premium is due.

Are the premiums for guaranteed?The premiums for this plan are not guaranteed and the Company reserves the right to revise the premiums by giving the policyholders 3 months written notice prior to the next policy anniversary.

What are the fees and charges that I have to pay?There are no fees and charges other than premiums payable.

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Are the premiums paid for eligible for income tax relief?Yes, the premium paid for this plan may qualify you for a personal tax relief of up to RM 3,000 for medical and education insurance, subject to the final decision of the Inland Revenue Board of Malaysia.

What are the major exclusions for ?

A-Life Med Regular

A-Life Med RegularThis plan shall not cover:• Pre-existing illness; or• Treatment or surgery for Specified Illnesses for a period of 120 days immediately

preceding for such treatment and surgery; or• Any medical or physical conditions arising within 30 days from the Issue Date or

Commencement Date of this plan, whichever is later except for covered injury; or• Out-Patient Kidney Dialysis Treatment where the symptoms first occurred prior to or within

30 days from the Issue Date or Commencement Date of this plan, whichever is later; or • Out-Patient Cancer Treatment Benefit where the symptoms first occurred prior to or within

60 days from the Issue Date or Commencement Date of this plan, whichever is later; or• Any medical or physical abnormalities existing at the time of birth, as well as neo-natal

physical abnormalities developing within 6 months from the time of birth or any congenital or hereditary conditions which has manifested or was diagnosed before the insured attains 17 years of age; or

• Any disability caused by self-destruction, intentional self-inflicted injuries, willful exposure to danger or any attempt of self-destruction while sane or insane; or

• War, declared or undeclared, strikes, riots, civil war, revolution or any warlike operations; or• Service in the armed forces in time of declared or undeclared war or while under

orders for warlike operations or restoration of public order; or• Any violation or attempted violation of the law or resistance to arrest; or • Pregnancy, miscarriage or child birth; or• Mental or nervous disorders, treatment of alcoholism, or drug abuse or any other

complications arising therefrom or any drug not prescribe by treating doctor; or• Plastic /cosmetic surgery, circumcision, all corrective glasses, contact lenses and

intraocular lens except monofocal intraocular lenses in cataract surgery; or• Dental treatment unless necessitated by accidental injury; or • Hospitalization primarily for investigatory purposes, diagnosis, X-ray examination,

general physical or medical examinations, not incidental to treatment or diagnosis of a covered disability or any treatment which is not medically necessary and any preventive treatments, preventive medicines or examinations carried out by a physician, vitamins / food supplements and treatments specifically for weight reduction or gain; or

• Any treatment or investigation which is not medically necessary, or convalescence, custodial or rest care; or

• Ionizing radiation or contamination by radioactivity from any nuclear fuel or nuclear waste from process of nuclear fission or from any nuclear weapon material; or

• Overseas treatment if insured person insured resides or travel outside Malaysia (excluding Singapore and Brunei) for more than 90 consecutive days.

Note: This list is not exhaustive. Please refer to the policy contract for the full list of exclusions.

|9 A-Life Med Regular 10A-Life Med Regular |

General Disclosures

1. You should satisfy yourself that this plan will best serve your needs and that the premium payable under this policy is an amount you can afford.

2. If this policy is cancelled within the 15-day free look period, the full premium less medical expenses (if any) will be refunded.

3. Premium payments can be made annually, half-yearly, quarterly or monthly.

4. You should ensure that important information regarding this plan is disclosed to you and you understand the information disclosed. If there is ambiguity, you should seek clarification from the Company.

5. 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 www.insuranceinfo.com.my.

6. 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)

1. Please note that with effect from 1 April 2015, a Goods and Services Tax (GST) will be chargeable at the prevailing rate on the total premium amount payable.

For your attention:

This brochure contains only a brief description of the product and is not exhaustive. For a detailed explanation of its benefits, exclusions, terms and conditions, please refer to the policy contract.


A-Life Med Regular merupakan pelan perubatan tunggal yang menjaga keperluan perubatan jangka panjang anda dan keluarga anda tanpa Had Seumur Hidup.

Tunggu apa lagi! Pastikan anda dan orang yang anda sayangi mempunyai perlindungan perubatan yang diperlukan dengan A-Life Med Regular.

Sanggupkah anda bertolak ansur di dalam pemulihan diri sendiri atau orang yang anda sayangi dengan penyelesaian yang lebih rendah? Ramai orang mula merasai betapa sukarnya untuk bersaing dengan peningkatan kos perubatan. Oleh itu, ia adalah amat penting untuk mempunyai satu pelan perubatan menyeluruh yang akan menyediakan perlindungan perubatan yang mencukupi.

A-Life Med RegularPerlindungan Perubatan Yang Penting


Kenapa A-Life Med Regular?

Perlindungan SEPANJANG HAYAT sehingga umur 100 tahun.

TIADA Had Seumur Hidup1.

TIADA caj ko-insurans dan deduktibel.

Perlindungan PILIHAN untuk keluarga anda.

Program Rujukan Bantuan Kecemasan.

1 Sila rujuk kepada Jadual Manfaat pada halaman 15 untuk maklumat selanjutnya.


Meneliti manfaat-manfaatnya…Perlindungan Sepanjang Hayat sehingga Umur 100 tahun• A-Life Med Regular menyediakan anda perlindungan perubatan sehingga umur

100 tahun.

Tiada Had Seumur Hidup• Dengan ketiadaan Had Seumur Hidup, anda boleh yakin bahawa keperluan

penjagaan kesihatan anda dan/atau keluarga anda akan dijaga untuk sepanjang hayat2.

Tiada Caj Ko-insurans dan Deduktibel• A-Life Med Regular membayar rawatan perubatan anda sepenuhnya2 tanpa

mengenakan sebarang caj ko-insurans atau deduktibel.

Perlindungan Pilihan untuk Keluarga Anda• Anda boleh memilih untuk melindungi pasangan anda dan/atau anak-anak anda

di bawah satu pelan.

• Perlindungan maksimum sehingga 4 orang anak dibenarkan untuk setiap Pelan Keluarga.


Program BantuanPerubatan Antarabangsa

Program BantuanPerubatan Domestik

Program BantuanKereta4

Program BantuanRumah4

Program BantuanPerjalanan4

Pemindahan dan penghantaran pulang perubatan kecemasan, penghantaran pulang jenazah dan bantuan perubatan.

Pemindahan dan penghantaran pulang perubatan kecemasan, penghantaran pulang jenazah dan bantuan perubatan.

Penundaan kecemasan dan pembaikan kecil di tepi jalan, bantuan sewa kereta dan rujukan kepada pusat perkhidmatan.

Kerja paip, tukang kunci, pembaikan am, penyaman udara dan bantuan kawalan serangga perosak.

Memberikan maklumat mengenai Visa, pasport dan keperluan inokulasi, membantu mencari barang yang hilang, menyampaikan pesanan kecemasan dan sebagainya.

Program Rujukan Bantuan Kecemasan3 • Nikmati bantuan di seluruh dunia dengan menelefon talian perkhidmatan 24 jam

kami di nombor 603-21665421 dengan caj panggilan diterbalikkan.• Perkhidmatan Program Rujukan Bantuan Kecemasan termasuk:

2 Tertakluk kepada Had Tahunan Keseluruhan.3 Manfaat yang diterangkan bagi Program Rujukan Bantuan Kecemasan di atas adalah tidak menyeluruh.

Sila rujuk kepada kontrak polisi anda untuk manfaat, pengecualian, terma dan syarat yang terperinci. Sila ambil perhatian bahawa AIA Bhd. berhak untuk mengubah mana-mana perkhidmatan dan / atau manfaat di bawah Program Rujukan Bantuan Kecemasan dari semasa ke semasa.

4 Perkhidmatan ini terbatas kepada perkhidmatan rujukan sahaja. Kos perkhidmatan sebenar akan ditanggung oleh pemegang polisi. Perkhidmatan ini tidak terjamin kerana ia disediakan oleh pihak ketiga dan penerusan perkhidmatan ini adalah tertakluk kepada persetujuan di antara Syarikat dan pembekal perkhidmatan pihak ketiga.


Pelan 150(RM)

Pelan 200(RM)

Pelan 250(RM)Had ManfaatNo.

3,000 4,000 5,000Penjagaan Kejururawatan Di Rumah(setiap kemasukan hospital) (had seumur hidup 180 hari)

13

Seperti caj yang dikenakan,tertakluk kepada Caj Munasabah

dan BiasaPemindahan Organ/Sumsum Tulang14

100 100 100Elaun tunai harian di Hospital Kerajaan(maksimum 120 hari setiap tahun polisi)

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90 110 130Penjaga Harian (maksimum 120 hari setiap tahun polisi)16

T/B T/B T/BHad Seumur Hidup Keseluruhan setiap Orang Diinsuranskan

100,000 125,000 150,000Had Tahunan Keseluruhan setiap Orang Diinsuranskan(no. 1 hingga 16)

2,000 2,500 3,000Rawatan Kecemasan Pesakit Luar Akibat Kemalangandan Rawatan Susulan 30 hari di Hospital dan Klinik(setiap kemalangan)

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3,000 4,000 5,000Rawatan Pergigian Kecemasan Pesakit LuarAkibat Kemalangan (setiap kemalangan)

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250,000 312,500 375,000Rawatan Dialisis Buah Pinggang Pesakit Luardan Rawatan Kanser Pesakit Luar (Had Seumur Hidup)

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USD 1 juta USD 1 juta USD 1 jutaPemindahan dan penghantaran pulang perubatankecemasan3 (setiap kejadian)

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Sila rujuk kepada kontrak polisi untuk maklumat lengkap berkenaan dengan manfaat perlindungan.


Jadual Manfaat A-Life Med Regular adalah seperti berikut:

Pelan 150(RM)

Pelan 200(RM)

Pelan 250(RM)Had Manfaat

150 200 250Bilik dan Penginapan Hospital(maksimum 120 hari setiap tahun polisi)

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150 200 250Bilik dan Penginapan Hospital Tambahan SemasaDi Luar Negara (maksimum 120 hari setiap tahun polisi)2

Unit Rawatan Rapi (maksimum 120 hari setiap tahun polisi)3

Bekalan dan Perkhidmatan Hospital4

Yuran Pembedahan5

Yuran Bilik Pembedahan6

Yuran Pakar Bius7

Lawatan Pakar Perubatan Dalam Hospital(maksimum 240 lawatan setiap tahun polisi)

8

Sebelum Penghospitalan(dalam tempoh 60 hari sebelum penghospitalan)- Ujian Diagnostik- Rundingan Doktor Pakar- Perubatan dan Rawatan (RM 300 maksimum untuk setiap kemalangan)

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Rawatan Selepas Penghospitalan (dalam tempoh 120 hari selepas penghospitalan)- X-ray Diagnostik dan Ujian Makmal Pesakit Luar- Perbelanjaan Perubatan dan Rundingan

10

Prosedur Harian11

4,000 6,000 8,000Akupunktur dan Fisioterapi Pesakit Luar (setiap tahunpolisi dan dalam tempoh 60 hari selepas penghospitalan)

12

Seperti caj yang dikenakan, tertakluk kepada Caj

Munasabah dan Biasa

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Dapatkan jawapan kepadasoalan-soalan anda di sini

A-Life Med Regular

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A-Life Med Regular

A-Life Med RegularPelan ini tidak melindungi: • Penyakit Sedia Ada; atau• Rawatan atau pembedahan bagi Penyakit Tertentu untuk tempoh 120 hari sebelum rawatan

dan pembedahan tersebut; atau • Mana-mana keadaan perubatan atau fizikal yang timbul dalam tempoh 30 hari pertama

dari Tarikh Penyertaan atau Tarikh Mula pelan, yang mana kemudian kecuali kecederaan yang disebabkan oleh kemalangan; atau

• Rawatan Dialisis Buah Pinggang Pesakit Luar yang mana tanda-tanda atau gejala-gejala, yang pertama kali berlaku dalam tempoh 30 hari selepas Tarikh Penyertaan atau Tarikh Mula pelan, yang mana kemudian; atau

• Manfaat Rawatan Kanser Pesakit Luar yang mana tanda-tanda atau gejala-gejala, yang pertama kali berlaku dalam tempoh 60 hari selepas Tarikh Penyertaan atau Tarikh Mula pelan, yang mana kemudian; atau

• Sebarang keabnormalan perubatan atau fizikal yang wujud pada masa kelahiran, serta keabnormalan fizikal neonatal yang wujud dalam tempoh 6 bulan dari masa kelahiran atau sebarang keadaan kongenital atau keadaan keturunan yang ditunjukkan dengan jelas atau didiagnosis sebelum orang diinsuranskan mencapai umur 17 tahun; atau

• Sebarang hilang upaya yang diakibatkan oleh pemusnahan diri, kecederaan diri yang disengajakan, pendedahan kepada bahaya secara sengaja atau sebarang cubaan pemusnahan diri dalam keadaan siuman atau tidak siuman; atau

• Peperangan, sama ada diisytiharkan ataupun tidak, mogok, rusuhan, perang saudara atau sebarang operasi sedia berperang; atau

• Berkhidmat dalam angkatan bersenjata semasa peperangan yang diisytiharkan ataupun tidak diisytiharkan atau semasa di bawah perintah untuk operasi sedia berperang atau memulihkan ketenteraman awam; atau

• Sebarang pelanggaran atau cubaan untuk melanggar undang-undang atau menentang daripada ditahan; atau

• Kehamilan, keguguran atau melahirkan anak; atau• Penyakit mental atau penyakit saraf, rawatan ketagihan arak, atau penyalahgunaan dadah

atau sebarang komplikasi lain yang timbul daripadanya atau sebarang dadah yang tidak dipreskripsikan oleh doktor yang merawat; atau

• Pembedahan plastik/kosmetik, khatan, cermin mata untuk pembetulan penglihatan, kanta sentuh, kanta intraocular kecuali kanta intraocular monofocal dalam pembedahan katarak; atau

• Rawatan pergigian melainkan perlu dilakukan akibat kecederaan; atau• Penghospitalan terutamanya untuk tujuan penyiasatan, diagnosis, pemeriksaan sinar-x,

pemeriksaan fizikal atau perubatan am, tidak berkaitan dengan rawatan atau diagnosis hilang upaya yang dilindungi atau sebarang rawatan yang tidak perlu dari segi perubatan dan apa-apa rawatan pencegahan, ubat atau pemeriksaan pencegahan yang dijalankan oleh pakar perubatan, vitamin / makanan tambahan dan rawatan khusus untuk mengurangkan atau menaikkan berat badan; atau

• Sebarang rawatan atau siasatan yang tidak perlu dari segi perubatan, atau penyembuhan, penjagaan atau rehat pulih; atau

• Pengionan radiasi atau jangkitan melalui radioaktif daripada mana-mana bahan api nuklear atau sisa nuklear daripada proses pembelahan nuklear atau daripada apa-apa bahan senjata nuklear; atau

• Rawatan di luar negara jika orang diinsuranskan tinggal atau mengembara di luar Malaysia (kecuali Singapura and Brunei) selama lebih daripada 90 hari berturut-turut.

Nota: Senarai ini adalah tidak menyeluruh. Sila rujuk kepada kontrak polisi untuk senarai pengecualian yang sepenuhnya.

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Adakah premium-premium yang dibayar untuk layak mendapat pelepasan cukai?Ya, premium-premium yang dibayar untuk pelan ini melayakkan anda mendapat pelepasan cukai sehingga RM 3,000 untuk insurans perubatan dan pendidikan, tertakluk kepada keputusan muktamad Lembaga Hasil Dalam Negeri Malaysia.

Apakah pengecualian- pengecualian utama untuk ?Apakah itu ?A-Life Med Regular merupakan pelan perubatan tunggal yang melindungi anda sehingga umur 100 tahun. Ia melindungi kemasukan ke hospital dan perbelanjaan pembedahan tanpa Had Seumur Hidup.Selain daripada ini, A-Life MedRegular memberi pilihan kepada anda untuk melindungi ahli-ahli keluarga terdekat anda.

Siapakah yang layak membeli ?Pelan ini boleh disertai oleh individu yang berumur di antara 14 hari dan 70 tahun.

Apakah perlindungan untuk ahli keluarga dalam pelan ini?Semua ahli keluarga di bawah pelan keluarga akan menikmati had manfaat individu untuk pelan yang sama.

Di manakah saya dilindungi?Anda dilindungi di seluruh dunia tetapi tertakluk kepada perlindungan maksimum 90 hari jika anda melancong ke luar Malaysia, Singapura dan Brunei. Jika anda adalah warga negara asing, perlindungan anda akan terhad kepada penghospitalan di Malaysia dan penghospitalan akibat kecemasan perubatan sahaja di luar negara.

Adakah premium saya akan meningkat apabila umur saya meningkat?Ya. Premium yang perlu dibayar akan bergantung kepada umur yang anda capai pada hari jadi yang akan datang apabila premium harus dibayar.

Adakah premium untuk terjamin?Premium untuk pelan ini adalah tidak terjamin dan Syarikat berhak untuk mengubah premium dengan memberi notis bertulis 3 bulan terdahulu kepada pemegang polisi sebelum ulang tahun polisi berikutnya.

Apakah yuran-yuran dan caj-caj yang perlu saya bayar?Tiada yuran-yuran dan caj-caj yang lain selain daripada premium yang perlu dibayar.


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 polisi ini dibatalkan dalam tempoh percubaan 15 hari, premium yang telah dibayar dikurangkan perbelanjaan perubatan (jika ada) akan dipulangkan sepenuhnya.

3. Bayaran premium boleh dibuat secara tahunan, setengah tahun, suku tahunan atau bulanan.

4. Anda hendaklah memastikan bahawa maklumat penting mengenai pelan ini dinyatakan kepada anda dan anda memahami maklumat yang dinyatakan itu. Jika terdapat ketidakpastian, anda hendaklah mendapatkan penjelasan daripada Syarikat.

5. 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 www.insuranceinfo.com.my.

6. 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)

1. Sila maklum bahawa bermula 1 April 2015, Cukai Barangan dan Perkhidmatan (GST) akan dikenakan pada kadar semasa ke atas jumlah amaun premium yang perlu dibayar.

Risalah ini hanya mengandungi keterangan ringkas mengenai produk ini dan tidak menyeluruh. Untuk penjelasan terperinci berkenaan manfaat, pengecualian, terma dan syaratnya, sila rujuk kepada kontrak polisi.

Untuk perhatian anda:


A-Life Med Regular是一项单独并无终生限额的医药保险计划，保障您与您家人的长期医药需求。

无需再等待! 让A-Life Med Regular确保您与您的家人拥有一个必备的医药保障。

您是否会退而求其次，将您或您家人的康复妥协呢? 许多人开始很难跟得上医疗费用不断的上涨。因此，拥有一个全面的医药保险计划，提供您足够的医药保障是至关重要的。

A-Life Med Regular必不可缺的医药保障


为何选择A-Life Med Regular?

终身保障直至100岁。

无终生限额1。

无共同保险以及扣除额。

提供您选择性的家庭计划。

紧急援助计划。

1 请参见第25页的利益表以获取有关之详情。


再仔细看看有关的利益...终身保障直至100岁

• A-Life Med Regular 提供您直至100岁的医药保障。

无终生限额

• 无终生限额，您可确保您与/或您家人的终生2保健需求获得保障。

无共同保险以及扣除额

• A-Life Med Regular 将支付您所有2的医药治疗，不受共同保险或扣除额的限制。

提供您选择性的家庭计划

• 您可选择在同一个计划里保障您的配偶与/或您的孩子。

• 每个家庭计划可允许保障高达4个孩子。


国际医药援助计划

国内医药援助计划

汽车援助计划4

家庭援助计划4

旅游援助计划4

紧急医药拯救及遗返, 遗返遗体以及医药援助。

紧急医药拯救及遣返以及医药援助。

紧急拖车及轻微的路边修补，租车援助以及维修中心推荐。

水管，锁头，普通维修，空调及以及害虫控制援助。

提供办出国签证，护照及预防注射等方面的资讯，在遗失物件地点提供支援以及传递紧急信息等。

紧急援助计划3

• 您只需拨我们24小时服务热线603-21665421，既可在全球享有广泛的援助。此电话收费将由接听者缴付。

• 所提供的紧急援助计划服务如下:

2 受限于年度限额。3 以上紧急援助计划所推荐的利益并非概括全部。详细利益，不受保情形，规则与条规可参考您的保单契约。

请注意，友邦保险有权在任何时候更改紧急援助计划的服务和/或利益。4 只限于获推荐的服务，真正服务的费用须由保单持有人承担。这些服务并不受保证，因由第3者提供，而服

务的持续性视公司与第3服务提供者之间的协议而定。


A-Life Med Regular的利益表如下:

计划150(RM)

计划200(RM)

计划250(RM)利益

项目

150 200 250住院与膳食(每个保单年最高120天)

1

150 200 250在海外住院的额外住院与膳食(每个保单年最高120天)2

深切治疗部(每个保单年最高120天)3

医院供应及服务4

手术费5

手术室费用6

麻醉剂费用7

住院期间的医生诊查费(每个保单年最高240次)

8

住院前(住院前60天内)- 诊断检查- 专科咨询- 医药及治疗(每宗残废最高RM 300)

9

住院后治疗 (住院后120天内)- 门诊X-光诊断及化验费-医药开销及诊查费

10

日间程序11

4,000 6,000 8,000门诊物理治疗及针灸(每个保单年以及出院后60天内)

12

照单赔偿，受限于一般合理收费


计划150(RM)

计划200(RM)

计划250(RM)利益

项目

3,000 4,000 5,000住家看护(每宗) (终生限额为180天)13

照单赔偿，受限于一般合理收费

器官/骨髓之移植14

100 100 100入住政府医院的每日津贴(每个保单年最高120天)15

90 110 130监护人每日利益(每个保单年最高120天)16

无无无每投保人的终生限额

100,000 125,000 150,000每投保人的年度限额(项目1至16)

2,000 2,500 3,000紧急意外门诊治疗以及30天在医院和诊所的后续治疗(每宗意外)17

3,000 4,000 5,000紧急意外门诊牙齿治疗(每宗意外)18

250,000 312,500 375,000门诊洗肾治疗以及门诊癌症治疗(终生限额)19

USD 1 百万 USD 1 百万 USD 1 百万紧急医药拯救及遣返3(每宗限额)20

请参阅保单契约以获取详细的利益保障。


Q

A

之保费是否享有税务减免?是的，此计划的保费可让您在医疗及教育保险组别里享有高达RM 3,000的个人税务减免，惟需经过马来西亚内陆税收局的最终决定。

有哪些不受保情形?此计划将不会支付:

A-Life Med Regular

A-Life Med Regular

• 已存在的疾病；或

• 特定疾病的治疗或手术，发生在其治疗或手术前的120天内；或

• 任何医药或身体状况(受伤除外)发生在保单发出日期或生效日期后的首30天内，视何者为后；或

• 门诊洗肾治疗的症状，发生在保单发出日期或生效日期后的首30天内，视何者为后；或

• 门诊癌症治疗的症状，发生在保单发出日期或生效日期后的首60天内，视何者为后；或

• 在出生的时的任何医药或身理异常，以及婴儿在出生后的6个月内的身理异常，或因先天性或遗传性疾病，并在投保人未满17岁即获证实或被诊断出来；或

• 神智清醒或不清醒的情况下自残，企图自残或有意造成的伤害；或

• 任何已宣布或未宣布的战争，罢工，暴乱，内战，或革命或任何军事行动；或

• 在已宣布或未宣布的战争，或任何军事行动命令下，或恢复公共秩序时服务；或

• 任何违反或企图违反法律或拒捕；或

• 怀孕，流产或分娩；或

• 精神或神经失调，酗酒治疗，滥用药物，任何其他并发症或服用任何未经治疗医生的处方药物；或

• 整型/整容手术，包皮环切，所有的修正眼镜，隐形眼镜和人工晶状体(白内障手术的单焦点人工晶状体除外)；或

• 牙齿治疗，因受伤而必须进行的牙齿治疗除外；或

• 以检验调查为主的住院，诊断，光检验，普通身体或医药检验，或非医学上必要的治疗，或医师执行的预防性治疗及药物，或为减重和增重的维他命/食物补充及治疗；或

• 任何治疗或调查，并无需医疗的，或疗养，监护或休养护理；或

• 任何核子分裂或武装所释放的核子燃料及废物所造成的离子放射或放射性污染；或

• 国外的医药治疗，若投保人连续居住或到国外旅游(新加坡与汶莱除外)超过90天。

备注: 此不受保情形并不详尽。请参阅保单契约以获取详细的不受保情形。

Q

A


在此寻找您问题的答案什么是 ?A-Life Med Regular 是一项单独的医药保单，提供投保人直至100岁的保障。它提供无终生限额的住院及手术费用保障。

除此之外，A-Life Med Regular 也可让您将此保障延伸至您的家庭成员。

谁符合资格购买 ?此计划提供给年龄介于14天至70岁的人士。

在同一个家庭计划里, 我家人的保障是多少?所有的家庭成员在同一个家庭计划里将享有个别的相同利益限额。

我在哪里获得保障?您在全球都获得保障。但若您到国外旅游, 新加坡与汶莱除外，将受限于90天的保障。若您是外国人，您的保障将受限于在马来西亚内住院，以及在国外因紧急治疗而住院而已。

保费是否会随着我的年龄增长而增加?是的，其保费将根据您下一个生日的届时年龄而定。

的保费是否获得保证?此计划的保费是不受保证的。公司有权修改其保费，并在下一个保单周年的3个月之前，以书面通知保单持有人。

我该支付的费用及收费是多少?除了保费，您无需缴付其他的费用及收费。

A-Life Med Regular

A-Life Med Regular

A-Life Med Regular

Q

A

Q

A

Q

A

Q

A

Q

A

Q

A

Q

A


一般的资讯

1. 您应确保此计划最能迎合您的需求以及您有能力负担在此保单所须缴付之保费。

2. 如果您在15天的免费阅览期内将保单撤消，您已缴付之保费数额，减去医药开销(若有)，将全数退还。

3. 保费可以每年，每半年，每季或每月的方式缴付。

4. 您应确保关于此计划的重要资料都已向您透露，而您也了解这些资料。若您有所疑惑，应向保险公司寻求更清楚的解说。

5. 欲知有关医疗和健康保险，您可在我们分行获取“医疗与健康保险”小册子，或向您的AIA寿险策划师索取或到www.insuranceinfo.com.my查阅。

6. 从一种健康保单转换至另一种也许对您没有好处，因为您必须遵守新保险的条件、等待期及适用于免除特定疾病/原己存在状况的任何期限。

消费税（GST）

1. 请注意从2015年4月1日起，总保费的支付将按现行税率征收消费税（GST）。

敬请留意:

此小册子仅包含了产品的概要简述，并不详尽。欲获取详细的保单利益，不受保情形，规则与条款，请参阅您的保单契约。

Appendix / Apendiks / 附录 – A-Life Med Regular Annual Premium Rates (inclusive of GST) / Kadar Premium Tahunan (termasuk GST) /年度保费(包括GST)For Occupational Classes 1 and 2 / Untuk Kelas Pekerjaan 1 dan 2 / 职业等级1及2

01234567891011121314151617181920212223242526272829303132333435363738394041424344454647484950

Attained Age/Umur Dicapai/

届时年龄

Male Insured / Orang DiinsuranskanLelaki / 男性投保人

Female Insured / Orang DiinsuranskanPerempuan / 女性投保人

Plan 250 Plan 150 Plan 200 Plan 250Plan 1501,055.761,055.761,055.761,035.09987.39785.46717.09717.09717.09717.09717.09589.89589.89589.89589.89589.89701.72701.72701.72701.72701.72728.22728.22728.22728.22728.22728.22728.22728.22728.22739.88739.88739.88739.88739.88739.88903.12903.12903.12903.12961.42

1,038.271,038.271,038.271,038.271,038.271,483.471,483.471,483.471,483.471,483.47

Plan 2001,206.281,206.281,206.281,176.601,047.28933.86854.36854.36854.36854.36854.36697.48697.48697.48697.48697.48823.62823.62823.62823.62823.62823.62805.60805.60805.60805.60805.60805.60805.60805.60960.36960.36960.36960.36960.36960.36960.36960.36960.36960.36

1,247.621,247.621,247.621,247.621,247.621,247.621,606.961,606.961,606.961,606.961,853.94

1,446.901,446.901,446.901,354.151,221.651,211.581,022.901,022.901,022.901,022.901,022.90834.75834.75834.75834.75834.75

1,070.601,070.601,070.601,070.601,070.601,070.60978.38978.38978.38978.38978.38978.38978.38978.38

1,244.441,244.441,244.441,244.441,244.441,244.441,244.441,244.441,244.441,244.441,617.561,617.561,617.561,617.561,617.561,617.561,849.701,849.701,849.701,849.702,407.26

828.39828.39828.39795.00795.00785.46678.93678.93678.93678.93678.93543.78543.78543.78543.78543.78680.52680.52680.52680.52680.52691.65691.65691.65691.65691.65691.65691.65691.65691.65776.98807.72807.72807.72807.72807.72906.30906.30906.30906.30

1,009.121,216.351,216.351,216.351,216.351,216.351,558.201,558.201,558.201,558.201,558.20

920.08920.08920.08920.08920.08920.08809.84809.84809.84809.84809.84644.48644.48644.48644.48644.48864.96864.96864.96864.96864.96864.96822.56822.56822.56822.56822.56822.56822.56822.56985.80985.80985.80985.80985.80985.80

1,085.441,085.441,085.441,085.441,240.201,460.681,460.681,460.681,460.681,460.681,888.921,888.921,888.921,888.921,947.22

1,081.201,081.201,081.201,081.201,081.201,081.20967.25967.25967.25967.25967.25768.50768.50768.50768.50768.50

1,123.601,123.601,123.601,123.601,123.601,123.60996.40996.40996.40996.40996.40996.40996.40996.40

1,206.281,206.281,206.281,206.281,206.281,206.281,290.551,290.551,290.551,290.551,546.541,733.101,733.101,733.101,733.101,733.102,249.852,249.852,249.852,249.852,528.10


515253545556575859606162636465666768697071*72*73*74*75*76*77*78*79*80*81*82*83*84*85*86*87*88*89*90*91*92*93*94*95*96*97*98*99*


届时年龄

Male Insured / Orang DiinsuranskanLelaki / 男性投保人

Female Insured / Orang DiinsuranskanPerempuan / 女性投保人

Plan 250 Plan 150 Plan 200 Plan 250Plan 1501,801.471,801.471,801.471,801.471,842.282,394.542,394.542,394.542,394.542,394.544,134.004,134.004,134.004,134.004,134.005,787.606,418.307,049.007,208.007,626.707,910.258,271.188,648.019,045.519,460.509,899.34

10,358.8510,840.6211,346.2411,878.8912,435.3913,023.6913,639.0214,286.1514,965.0815,392.7915,834.8116,286.3716,753.8317,232.4217,730.0918,242.0718,765.1819,307.3719,865.4620,439.4521,032.5221,639.9022,267.95

Plan 2001,927.081,927.081,927.081,927.082,393.482,607.602,607.602,607.602,607.602,915.004,437.164,437.164,437.164,437.164,437.166,212.136,797.787,383.967,969.618,555.799,141.449,588.76

10,061.5210,557.6011,077.0011,619.7212,194.2412,794.2013,425.9614,087.4014,782.7615,514.1616,283.7217,089.3217,935.2018,469.4419,016.4019,584.5620,165.4420,767.5221,384.4422,022.5622,677.6423,351.8024,047.1624,761.6025,499.3626,260.4427,042.72

2,407.262,407.262,407.262,407.263,098.383,098.383,098.383,098.383,098.383,703.645,448.405,448.405,448.405,448.405,448.407,627.768,189.568,751.369,312.63

10,998.0312,682.9013,212.9013,769.4014,355.0514,967.2015,613.8016,292.2017,005.0517,752.3518,536.7519,363.5520,230.1021,133.7522,090.4023,094.7523,722.8024,372.0525,045.1525,736.8026,447.0027,178.4027,931.0028,710.1029,510.4030,334.5531,182.5532,057.0532,958.0533,885.55

1,804.651,804.651,804.651,804.651,934.502,419.982,419.982,419.982,419.982,419.984,103.794,103.794,103.794,103.794,103.795,745.205,978.936,212.136,445.337,144.937,845.068,202.818,574.878,969.199,381.009,815.07

10,271.4010,748.4011,250.8411,777.1312,330.4512,910.8013,521.3614,163.7214,836.2915,259.2315,696.4816,144.8616,607.5517,084.5517,575.8618,084.6618,607.7719,146.7819,701.6920,274.0920,860.8021,468.1822,091.46

2,219.642,219.642,219.642,219.642,482.522,862.002,862.002,862.002,862.002,862.004,636.444,636.444,636.444,636.444,636.446,490.917,017.207,543.498,069.788,596.079,122.369,571.80

10,044.5610,538.5211,055.8011,600.6412,175.1612,775.1213,404.7614,068.3214,765.8015,495.0816,262.5217,068.1217,916.1218,446.1218,997.3219,561.2420,144.2420,744.2021,361.1221,997.1222,650.0823,326.3624,021.7224,736.1625,473.9226,235.0027,017.28

2,626.152,626.152,626.152,626.153,153.503,437.053,437.053,437.053,437.053,518.145,509.355,509.355,509.355,509.355,509.357,713.098,255.818,798.539,340.72

10,967.8212,595.4513,130.7513,687.2514,270.2514,885.0515,531.6516,212.7016,922.9017,667.5518,451.9519,276.1020,140.0021,048.9522,002.9523,007.3023,635.3524,287.2524,955.0525,646.7026,359.5527,090.9527,843.5528,620.0029,417.6530,241.8031,089.8031,964.3032,862.6533,787.50

* For renewals only / Untuk pembaharuan sahaja / 更新保单而已


Appendix / Apendiks / 附录(continued)

The premium indicated includes Goods and Services Tax (GST) of 6%. / Premium yang ditunjukkan termasuk Cukai Barangan dan Perkhidmatan (GST) sebanyak 6%. / 所显示的保费包括6%的消费税（GST）。


6162636465666768697071*72*73*74*75*76*77*78*79*80*81*82*83*84*85*86*87*88*89*90*91*92*93*94*95*96*97*98*99*


届时年龄

Male Insured and Children /Orang Diinsuranskan Lelaki dan Anak /

男性投保人与孩子

Female Insured and Children /Orang Diinsuranskan Perempuan dan Anak /

女性投保人与孩子Plan 250 Plan 150 Plan 200 Plan 250Plan 150

6,240.756,240.756,240.756,240.756,240.757,894.358,525.059,155.759,314.759,733.45

10,017.0010,377.9310,754.7611,152.2611,567.2512,006.0912,465.6012,947.3713,452.9913,985.6414,542.1415,130.4415,745.7716,392.9017,071.8317,499.5417,941.5618,393.1218,860.5819,339.1719,836.8420,348.8220,871.9321,414.1221,972.2122,546.2023,139.2723,746.6524,374.70

Plan 200

6,892.126,892.126,892.126,892.126,892.128,667.099,252.749,838.92

10,424.5711,010.7511,596.4012,043.7212,516.4813,012.5613,531.9614,074.6814,649.2015,249.1615,880.9216,542.3617,237.7217,969.1218,738.6819,544.2820,390.1620,924.4021,471.3622,039.5222,620.4023,222.4823,839.4024,477.5225,132.6025,806.7626,502.1227,216.5627,954.3228,715.4029,497.68

8,397.858,397.858,397.858,397.858,397.85

10,577.2111,139.0111,700.8112,262.0813,947.4815,632.3516,162.3516,718.8517,304.5017,916.6518,563.2519,241.6519,954.5020,701.8021,486.2022,313.0023,179.5524,083.2025,039.8526,044.2026,672.2527,321.5027,994.6028,686.2529,396.4530,127.8530,880.4531,659.5532,459.8533,284.0034,132.0035,006.5035,907.5036,835.00

6,210.546,210.546,210.546,210.546,210.547,851.958,085.688,318.888,552.089,251.689,951.81

10,309.5610,681.6211,075.9411,487.7511,921.8212,378.1512,855.1513,357.5913,883.8814,437.2015,017.5515,628.1116,270.4716,943.0417,365.9817,803.2318,251.6118,714.3019,191.3019,682.6120,191.4120,714.5221,253.5321,808.4422,380.8422,967.5523,574.9324,198.21

7,091.407,091.407,091.407,091.407,091.408,945.879,472.169,998.45

10,524.7411,051.0311,577.3212,026.7612,499.5212,993.4813,510.7614,055.6014,630.1215,230.0815,859.7216,523.2817,220.7617,950.0418,717.4819,523.0820,371.0820,901.0821,452.2822,016.2022,599.2023,199.1623,816.0824,452.0825,105.0425,781.3226,476.6827,191.1227,928.8828,689.9629,472.24

8,458.808,458.808,458.808,458.808,458.80

10,662.5411,205.2611,747.9812,290.1713,917.2715,544.9016,080.2016,636.7017,219.7017,834.5018,481.1019,162.1519,872.3520,617.0021,401.4022,225.5523,089.4523,998.4024,952.4025,956.7526,584.8027,236.7027,904.5028,596.1529,309.0030,040.4030,793.0031,569.4532,367.1033,191.2534,039.2534,913.7535,812.1036,736.95



161718192021222324252627282930313233343536373839404142434445464748495051525354555657585960


届时年龄

Male Insured and Children /Orang Diinsuranskan Lelaki dan Anak /

男性投保人与孩子

Female Insured and Children /Orang Diinsuranskan Perempuan dan Anak /

女性投保人与孩子Plan 250 Plan 150 Plan 200 Plan 250Plan 150

2,809.532,809.532,809.532,809.532,809.532,834.972,834.972,834.972,834.972,834.972,834.972,834.972,834.972,834.972,847.692,847.692,847.692,847.692,847.692,847.693,009.873,009.873,009.873,009.873,068.703,145.023,145.023,145.023,145.023,145.023,590.223,590.223,590.223,590.223,590.223,908.223,908.223,908.223,908.223,949.564,501.294,501.294,501.294,501.294,501.29

Plan 200

3,279.643,279.643,279.643,279.643,279.643,279.643,260.563,260.563,260.563,260.563,260.563,260.563,260.563,260.563,415.323,415.323,415.323,415.323,415.323,415.323,415.323,415.323,415.323,415.323,703.643,703.643,703.643,703.643,703.643,703.644,061.924,061.924,061.924,061.924,309.964,382.044,382.044,382.044,382.044,848.445,062.565,062.565,062.565,062.565,369.96

4,020.054,020.054,020.054,020.054,020.054,020.053,927.303,927.303,927.303,927.303,927.303,927.303,927.303,927.304,192.304,192.304,192.304,192.304,192.304,192.304,192.304,192.304,192.304,192.304,565.954,565.954,565.954,565.954,565.954,565.954,799.154,799.154,799.154,799.155,355.655,355.655,355.655,355.655,355.656,047.306,047.306,047.306,047.306,047.306,651.50

2,787.272,787.272,787.272,787.272,787.272,798.402,798.402,798.402,798.402,798.402,798.402,798.402,798.402,798.402,884.262,914.472,914.472,914.472,914.472,914.473,013.053,013.053,013.053,013.053,116.403,323.103,323.103,323.103,323.103,323.103,664.953,664.953,664.953,664.953,664.953,911.403,911.403,911.403,911.404,041.784,526.734,526.734,526.734,526.734,526.73

3,319.923,319.923,319.923,319.923,319.923,319.923,277.523,277.523,277.523,277.523,277.523,277.523,277.523,277.523,440.763,440.763,440.763,440.763,440.763,440.763,540.403,540.403,540.403,540.403,695.163,915.643,915.643,915.643,915.643,915.644,343.884,343.884,343.884,343.884,403.244,674.604,674.604,674.604,674.604,937.485,316.965,316.965,316.965,316.965,316.96

4,073.054,073.054,073.054,073.054,073.054,073.053,945.853,945.853,945.853,945.853,945.853,945.853,945.853,945.854,155.204,155.204,155.204,155.204,155.204,155.204,240.004,240.004,240.004,240.004,494.404,682.554,682.554,682.554,682.554,682.555,199.305,199.305,199.305,199.305,477.555,575.605,575.605,575.605,575.606,102.956,386.506,386.506,386.506,386.506,466.00





6162636465666768697071*72*73*74*75*76*77*78*79*80*81*82*83*84*85*86*87*88*89*90*91*92*93*94*95*96*97*98*99*


届时年龄

Insured and Spouse /Orang Diinsuranskan dan Pasangan /

投保人与配偶

Insured and Family /Orang Diinsuranskan dan Keluarga /

投保人与家庭Plan 250 Plan 150 Plan 200 Plan 250Plan 150

8,237.798,237.798,237.798,237.798,237.79

11,532.8012,397.2313,261.1313,653.3314,771.6315,755.3116,473.9917,222.8818,014.7018,841.5019,714.4120,630.2521,589.0222,597.0823,656.0224,765.8425,934.4927,160.3828,449.8729,801.3730,652.0231,531.2932,431.2333,361.3834,316.9735,305.9536,326.7337,372.9538,454.1539,567.1540,713.5441,893.3243,108.0844,359.41

Plan 200

9,073.609,073.609,073.609,073.609,073.60

12,703.0413,814.9814,927.4516,039.3917,151.8618,263.8019,160.5620,106.0821,096.1222,132.8023,220.3624,369.4025,569.3226,830.7228,155.7229,548.5631,009.2432,546.2434,157.4435,851.3236,915.5638,013.7239,145.8040,309.6841,511.7242,745.5644,019.6845,327.7246,678.1648,068.8849,497.7650,973.2852,495.4454,060.00

10,957.7510,957.7510,957.7510,957.7510,957.7515,340.8516,445.3717,549.8918,653.3521,965.8525,278.3526,343.6527,456.6528,625.3029,852.2531,145.4532,504.9033,927.9535,419.9036,988.7038,639.6540,370.1042,182.7044,093.3546,102.0547,358.1548,659.3050,000.2051,383.5052,806.5554,269.3555,774.5557,330.1058,928.0560,576.3562,272.3564,021.3565,820.7067,673.05

10,344.5410,344.5410,344.5410,344.5410,344.5413,640.0814,504.5115,368.4115,760.6116,878.9117,862.0618,580.7419,329.6320,121.4520,948.2521,821.1622,737.0023,695.7724,703.8325,762.7726,872.5928,041.2429,267.1330,556.6231,908.1232,758.7733,638.0434,537.9835,468.1336,423.7237,412.7038,433.4839,479.7040,560.9041,673.9042,820.2944,000.0745,214.8346,466.16

11,528.5611,528.5611,528.5611,528.5611,528.5615,158.5316,270.4717,382.9418,494.8819,607.3520,718.7621,615.5222,561.0423,551.0824,587.7625,675.3226,824.3628,024.2829,285.6830,610.6832,003.5233,464.2035,001.2036,612.4038,306.2839,370.5240,468.6841,600.7642,764.6443,966.6845,200.5246,474.6447,782.6849,133.1250,523.8451,952.7253,428.2454,950.4056,514.96

13,907.2013,907.2013,907.2013,907.2013,907.2018,289.7719,394.2920,498.8121,602.2724,914.7728,227.8029,293.1030,406.1031,574.7532,801.7034,094.9035,454.3536,877.4038,369.3539,938.1541,589.1043,319.5545,132.1547,042.8049,051.5050,307.6051,608.7552,949.6554,332.9555,756.0057,218.8058,724.0060,279.5561,877.5063,525.8065,221.8066,970.8068,770.1570,622.50



161718192021222324252627282930313233343536373839404142434445464748495051525354555657585960


届时年龄

Insured and Spouse /Orang Diinsuranskan dan Pasangan /

投保人与配偶

Insured and Family /Orang Diinsuranskan dan Keluarga /

投保人与家庭Plan 250 Plan 150 Plan 200 Plan 250Plan 150

1,381.711,381.711,381.711,381.711,381.711,419.871,419.871,419.871,419.871,419.871,419.871,419.871,419.871,419.871,516.861,547.071,547.071,547.071,547.071,547.071,809.421,809.421,809.421,809.421,970.012,254.622,254.622,254.622,254.622,254.623,041.673,041.673,041.673,041.673,041.673,606.123,606.123,606.123,606.123,776.254,814.524,814.524,814.524,814.524,814.52

Plan 200

1,689.641,689.641,689.641,689.641,689.641,689.641,628.161,628.161,628.161,628.161,628.161,628.161,628.161,628.161,946.161,946.161,946.161,946.161,946.161,946.162,045.802,045.802,045.802,045.802,488.882,709.362,709.362,709.362,709.362,709.363,495.883,495.883,495.883,495.883,801.164,146.724,146.724,146.724,146.724,876.005,469.605,469.605,469.605,469.605,777.00

2,194.202,194.202,194.202,194.202,194.202,194.201,974.251,974.251,974.251,974.251,974.251,974.251,974.251,974.252,451.252,451.252,451.252,451.252,451.252,451.252,536.052,536.052,536.052,536.053,164.103,349.603,349.603,349.603,349.603,349.604,099.554,099.554,099.554,099.554,934.305,032.355,032.355,032.355,032.356,251.356,534.906,534.906,534.906,534.907,221.25

3,488.463,488.463,488.463,488.463,488.463,526.623,526.623,526.623,526.623,526.623,526.623,526.623,526.623,526.623,623.613,653.823,653.823,653.823,653.823,653.823,916.173,916.173,916.173,916.174,076.764,361.374,361.374,361.374,361.374,361.375,148.425,148.425,148.425,148.425,148.425,712.875,712.875,712.875,712.875,883.006,921.276,921.276,921.276,921.276,921.27

4,144.604,144.604,144.604,144.604,144.604,144.604,083.124,083.124,083.124,083.124,083.124,083.124,083.124,083.124,401.124,401.124,401.124,401.124,401.124,401.124,500.764,500.764,500.764,500.764,943.845,164.325,164.325,164.325,164.325,164.325,950.845,950.845,950.845,950.846,256.126,601.686,601.686,601.686,601.687,330.967,924.567,924.567,924.567,924.568,231.96

5,143.655,143.655,143.655,143.655,143.655,143.654,923.704,923.704,923.704,923.704,923.704,923.704,923.704,923.705,400.705,400.705,400.705,400.705,400.705,400.705,485.505,485.505,485.505,485.506,113.556,299.056,299.056,299.056,299.056,299.057,049.007,049.007,049.007,049.007,883.757,981.807,981.807,981.807,981.809,200.809,484.359,484.359,484.359,484.35

10,170.70




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