Download - ManuHealth Elite - Insurance Site · ManuHealth Elite is also available as an investment-linked insurance plan rider attachable to Manulife’s regular premium investment-linked insurance

ManuHealth Elite

A medical plan which places you and your family at the forefront

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Medical costs have been rising tremendously over the years, which makes the need for a solid and comprehensive medical plan rise too.

ManuHealth Elite is a standalone non-participating medical plan that helps you manage your medical expenses while providing you with the best medical care possible. Now, that’s life made simpler.

ManuHealth Eliteat a glance

Comprehensive Whole Life Coverage

No Lifetime Limit and High Annual Limits up to RM2.2 million

No Limit on Room & Board and ICU stay

Family Coverage option

1 PleaserefertoBenefitScheduleofManuHealthEliteforfurtherdetails.2 For hospitalisation in the 2ndbasiccategoryofSingle-BeddedRoom,theamountforreimbursement

shallbesubjecttoamaximumof2timestheDailyHospitalRoom&Boardchargeableforthe1st basiccategoryofSingle-BeddedRoom.

3 Provided there are existing child/children covered under the plan. Coverage for child under the family plan is up to age 21 next birthday.

4 As at March 2018.5 This service is subject to the terms and conditions as stipulated in the agreement between Manulife

Insurance Berhad (“MIB”) and the appointed service provider, which may be amended from time to time.6 The deductible option is applicable per disability per policy year.7 Terms and conditions apply. Please refer to policy contract for further details.8 Thebasicinvestment-linkedinsuranceplansattachablearesubjecttoMIB’sapproval.

ManuHealth Elite is also available as an investment-linked insurance plan rider attachable to Manulife’s regular premium investment-linked insurance plans8. Kindly refer to the product illustration or product disclosure sheet for further information on the benefits of this rider.

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Highlights of ManuHealth Elite

Comprehensive1 Whole Life CoverageManuHealthElitecoversyouuptoage99nextbirthday.Itreimbursesyourmedicalexpensessuchaspreandpost-hospitalisationcharges,intensivecareservices,surgicalexpenses,out-patientbenefitschargesetc.

Out-patientbenefitsincludetreatmentforstroke,kidneydialysis,canceranddengue fever.

MHE Signature PlanYou need not worry about the rising cost of hospital room and board in the years tocome.OurMHESignatureplanallowsyoutochoosetheRoom&Boardofyourchoiceupto2basiccategoriesofSingle-BeddedRoomratesavailableinthehospital2.

No Lifetime Limit and High Annual LimitsThis ensures that you are covered until your golden years. Furthermore, the high annual limits allows you to have a broader choice of medical treatment options.

No Limit on Room & Board and ICU StayThisbenefitallowsyoutostayfocusedonrecoverywithoutworryingabouttheduration of your stay in the hospital.

Family Coverage OptionHavetheconvenienceofcoveringyourspouseandchildreninjustonepolicy.

Coverage is also extended to your children bornafterthepolicyhasbeenpurchased3. Amaximumoffive(5)childrenisallowedundereachFamilyPlan’scoverage.

Hassle-free Admission into Panel HospitalsOurPre-CertificationHospitalisationProgrammeprovideshasslefreehospitalisationandpost-hospitalisationbenefittoover100panelhospitals4. In addition,youarealsoeligibleforEmergencyAssistanceServices5 catering to medical emergencies.

Deductible Options6

DeductibleoptionsofRM0,RM500andRM5,000areavailable.Selectthedeductible option level you feel comfortable with. You will need to pay the selected amountfirstbeforeManuHealthEliteassiststopayyourhospitalisationbills.

Golden Years Privilege7

Upon age 60 next birthday, you have the option to convert your deductible amount fromRM500orRM5,000(whicheverapplicable)toRM0.Thiswillallowyoutocontinue enjoying medical care without compromising your retirement savings.

Second Medical Opinion BenefitYou can seek a second medical opinion for medical diagnosis or procedure to help you evaluateyouroptions.ThisbenefitisofferedexclusivelyfortheMHESignatureplan.

Income Tax ReliefYou may qualify for income tax relief for medical insurance subject to the terms andconditionsoftheInlandRevenueBoard.

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* Theamountforreimbursementislimitedupto2basiccategoriesofSingle-BeddedRoomavailablein the hospital. For hospitalisation in the 2ndbasiccategoryofSingle-BeddedRoom,theamountforreimbursementshallbesubjecttoamaximumof2timestheDailyHospitalRoom&Boardratechargeable for the 1stbasiccategoryofSingle-BeddedRoom.

** The amount for reimbursement is limited up to 2 times of the reimbursable amount for Daily HospitalRoom&Boardbenefit.

Benefit Schedule for ManuHealth Elite

PLAN TYPE

No. Benefits MHE150 MHE200 MHE250MHE

Signature

SECTION A: HOSPITAL & SURGICAL BENEFITS

1 DailyHospitalRoom&Board (no limit on number of days)

RM150 per day

RM200 per day

RM250 per day

As Charged*

2 AdditionalDailyHospitalRoom&Board whilst Overseas (upto60daysperconfinement)

RM150 per day

RM200 per day

RM250 per day

As Charged*

3 HospitalIntensiveCare (no limit on number of days)

ReimbursementofReasonableand Customary Charges, less Deductible Amount

(if applicable)

4 SurgicalBenefit

5 Anaesthetist’sBenefit

6 OperationTheatreBenefit

7 AttendingPhysician’sBenefit

8 Pre-HospitalisationBenefit (within 60 days)i. SpecialistConsultationii. DiagnosticX-RayandLaboratory

Examinationiii. Scans

9 Post-HospitalisationBenefit (within90days)i. Out-PatientDiagnosticX-Rayand

LaboratoryExaminationii. MedicalExpensesand

Consultation

10 HospitalMiscellaneousServices

11 Ambulance Fee

12 Non-MedicalRelatedExpenses (per Disability per Policy Year)

RM300 RM400 RM500 As Charged (up to 2x dailyRoom&Board)**

13 GovernmentHospitalCashBenefit (upto60daysperconfinement)

RM50per day

RM65per day

RM75per day

RM100per day

14 Child’sDailyGuardianBenefit (max 120 days per Policy Year)

RM50per day

RM65per day

RM75per day

RM100per day

Deductible Amount (per Disability per Policy Year)

RM0, RM500 or RM5,000

PLAN TYPE

No. Benefits MHE150 MHE200 MHE250MHE

Signature

SECTION B: OUT-PATIENT BENEFITS

15 DaySurgery ReimbursementofReasonableand Customary Charges

16 EmergencyAccidentalInjuryBenefit(per injury)

RM2,000 RM2,500 RM2,750 RM3,500

17 NursingCareatHome (per Disability per Policy Year)

RM500 RM650 RM750 RM1,000

18 Out-patientKidneyDialysisTreatment

ReimbursementofReasonableand Customary Charges

19 Out-patientCancerTreatment

20 Out-patientStrokeTreatment

21 Out-patientDengueTreatment

SECTION C: OTHER BENEFITS

22 IntraocularLens UptoRM3,000pereyeandmaximumof RM6,000perlifetime

23 Government Tax ReimbursementofanyapplicabletaxesincurredbasedonReasonableandCustomaryCharges

24 SecondMedicalOpinion

(per Policy Year)Not Applicable RM2,000

25 EmergencyAssistanceServices Yes

26 InternationalEmergencyMedicalEvacuationBenefit

ReimbursementofReasonableandCustomaryChargesuptoamaximumofRM100,000perlifetime,

subjecttoOverallIndividualAnnualLimit

Overall Individual Annual Limit (RM) 1,000,000 1,500,000 1,750,000 2,200,000

Overall Individual Lifetime Limit (RM) No Lifetime Limit

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Exclusions

AnyillnessorinjuryarisingfromthefollowingisnotcoveredbyManuHealthElite:

1. Pre-existingillness.

2. SpecifiedIllnessesoccurringduringthefirst120daysofcontinuouscover,fromtheIssueDateorReinstatementDateofthepolicy,whicheverislater.SpecifiedIllnessesreferto:

a) hypertension, diabetes mellitus or cardiovascular disease; b) growths of any kind including tumours, cancers, cysts, nodules, polyps; c) stones of the urinary system and biliary system; d) any disease of the ear, nose (including sinuses) or throat; e) hernias,haemorrhoids,fistulae,hydrioceleorvaricocele; f) any disease of the reproductive system including endometriosis; or g) any disorder of the spine (including a slipped disc) or any knee conditions.

3. Anymedicalorphysicalconditionsarisingwithinthefirst30daysoftheCoveredMember’scover or date of reinstatement, whichever is later, except for accidental injuries.

4. Plastic/cosmetic surgery, eye examination, glasses and refraction or surgical correction ofnearsightedness(RadialKeratotomyorLasik)andtheuseoracquisitionofexternalprostheticappliancesordevicessuchasartificiallimbs,hearingaids,implantedpacemakersand prescriptions thereof.

5. Dental conditions including dental treatment or oral surgery except as necessitated by Accidental Injuries.

How does MHE Signature plan work?

Lifetime RenewalManuHealthEliteisrenewablethroughoutitspolicy term except in the event of fraud or misrepresentations.

CoverageCoverage begins immediately for hospitalisation and surgery caused by accidents. For other causes, coverage will onlybegin30daysafteracceptanceofriskexceptforcertainspecifiedillnesses,where a waiting period of 120 days is required.

Example:Daniel,a40year-oldmalepurchasedtheManuHealthElite(MHESignatureplan)whichallows aDailyHospitalRoom&Boardbenefituptothe2ndbasicSingle-BeddedRoomcategory. HewashospitalisedinHospitalAwheretheSingle-BeddedRoomcategoryhasachoiceofSuite,Premier,2nd Basic and 1stBasic.TheDailyHospitalRoom&BoardreimbursabletoDanielisillustratedasfollows:

SCENARIO 1

Daily Room Rate

(RM)

Reimbursable Amount

(RM)

1,000 250

300 250

250 250

200 200

If Daniel stayed in the 1st Basic category, he will be reimbursed with the 1st Basic DailyRoomRateofRM200.

If Daniel stayed in the 2nd Basic category or higher, he will be reimbursed with either the 2nd Basic category ofSingle-BeddedRoomor 2 times the 1st Basic categoryofSingle-BeddedRoom,whicheverislower, i.e.RM250.

SCENARIO 2

Daily Room Rate

(RM)

Reimbursable Amount

(RM)

1,000 400

700 400

500 400

200 200

If Daniel stayed in the 1st Basic category, he will be reimbursed with the 1st Basic DailyRoomRateofRM200.

If Daniel stayed in the 2nd Basic category or higher, he will be reimbursed with either the 2nd Basic category ofSingle-BeddedRoomor 2 times the 1st Basic categoryofSingle-BeddedRoom,whicheverislower, i.e.RM400.

Single-Bedded Room Category

Suite

Premier

2nd Basic

1st Basic

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Exclusions (cont’d)

6. Restcures,illegaldrugs,venerealdiseaseandAIDS(AcquiredImmuneDeficiencySyndrome)orARC(AIDSRelatedComplex)andHIVrelateddiseases,andanycommunicablediseasesrequired quarantine by law.

7. Any treatment or surgical operation for congenital abnormalities or deformities including hereditary conditions.

8. Pregnancy, child birth (including surgical delivery), miscarriage, abortion and prenatal or postnatal care and surgical.

9. Hospitalisationprimarilyforinvestigatorypurposes.

10. Suicide,attemptedsuicideorintentionallyself-inflictedinjurywhilesaneorinsane.

11. War or any act of war, declared or undeclared, criminal or terrorist activities, active duty in any armed forces, direct participation in strikes, riots and civil commotion or insurrection.

12. Ionising radiation or contamination by radioactivity.

13. Expensesincurredfordonationofanybodyorgan.

14. Investigation and treatment of sleep and snoring disorders etc.

15. Care or treatment for which payment is not required or to the extent which is payable by any other insurance.

16. Psychotic, mental or nervous disorders.

17. SicknessorInjuryarisingfromracingofanykind(exceptfootracing),hazardoussportssuch as but not limited to skydiving, water skiing, underwater activities requiring breathing apparatus, winter sports, professional sports and illegal activities.

18. Privateflyingotherthanasafare-payingpassengerinanycommercialairlines.

19. Expensesincurredforgenderchange.

20. Overseas treatment if the Covered Member resides or travels outside Malaysia, Brunei or Singaporeformorethanninety(90)consecutivedays.

Please note that the list of exclusions is not exhaustive and that qualifying periods may apply. For exact details on terms and conditions, please refer to your policy contract.

Important Notes

1. You should satisfy yourself that this plan will best serve your needs and that the premium payableunderthepolicycontractisanamountyoucanafford.Youcanopttopayyourpremiumseithermonthly,quarterly,semi-annuallyorannually.

2. Pleasenotethatalifeinsurancepolicyisalong-termcommitmentandassuchitisnotadvisable to hold the policy for a short period of time in view of the high initial cost.

3. Premiumsaredeterminedbyyourage,gender,benefitsandplanchosen,andoccupationclasssubjecttounderwriting.PleaserefertoAppendix1toAppendix6fortheAnnualPremiumRatestable.ForfurtherdetailsyoucanrefertoProductDisclosureSheetorSalesIllustration.

4. Please note that if you do not pay the premiums within the grace period of thirty (30) days from the premium due date, your policy may lapse.

5. PremiumsofManuHealthElitearenotguaranteedandMIBreservestherighttorevisethepremium rates (excluding any applicable taxes) according to all policies in the same class ofinsurance,irrespectiveoftheindividual’sclaim’sexperience,bygivingninety(90)dayswrittennoticepriortochange.

6. You are advised to refer to the sample policy contract for details of the important health insurancefeaturesoftheplanthatyouintendtopurchase.Shouldyourequireadditionalinformation about medical and health insurance, you may also refer to the insurance info bookleton‘MedicalandHealthInsurance’availableatourbranchesoryoucancontactyourProfessional Manulife Advisor or visit the website www.insuranceinfo.com.my.

7. Youaregivena“Free-LookPeriod”offifteen(15)daystoreviewthesuitabilityofyournewlypurchased insurance plan from the receipt date of the policy contract. If you return the policy contract to MIB during this period, all premiums paid (less any medical examination fees which may have been incurred) will be refunded to you and this policy shall be cancelled.

8. Pleasebeawarethattheremaybeimplicationsthatwillaffectyourhealthinsuranceapplication if you are switching from one type of health plan from another insurer to a MIB planthatofferssimilarbenefits.

9. Thepremiumand/orpolicycharges,whicheverapplicable,maybesubjecttotaxesintroduced by the Government of Malaysia from time to time. MIB reserves the right to collect from you an amount equivalent to the prevailing rate of taxes payable for the premium and/or policy charges, as applicable. Your obligation to pay such taxes shall form part of the Terms and Conditions in your insurance policy.

10. This brochure is for general information only and is not to be construed as a contract of insurance.Thepreciseterms,conditions,definitionsandexclusionsofthisplanarespecifiedin the policy contract issued by MIB. Terms and conditions apply.

11. IntheeventofanydiscrepancybetweentheEnglish,BahasaMalaysiaandChineseversion,theEnglishversionshallprevail.

12. ThisplanisunderwrittenbyManulifeInsuranceBerhad(200801013654(814942-M)), acompanylicensedundertheFinancialServicesAct2013andregulatedbyBankNegaraMalaysia. It is located at 16th Floor, Menara Manulife, 6, Jalan Gelenggang, Damansara Heights,50490KualaLumpur.

Find out more by calling our Customer Careline at

03-2719 9112 / 1-300-13-2323or get in touch with our Professional Manulife Advisor today!

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ManuHealth Elite

Pelan perubatan yang mengutamakan anda sekeluarga

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Kosperubatanyangterusmeningkatdengan ketara selama ini telah menyebabkan keperluan untuk mempunyai pelan perubatan yang komprehensif meningkat juga.

ManuHealth Elite ialah pelan perubatan tunggal tanpa penyertaan yang membantu anda menampung perbelanjaan perubatan anda sambil memberi anda rawatan perubatan terbaik yang mungkin. Sekarang,kehidupandipermudahkan.

ManuHealth Elitesepintas lalu

Perlindungan Komprehensif Sepanjang Hayat

Tiada Had Seumur Hidup dan Had Tahunan tinggi sehingga RM2.2 juta

Tiada Had untuk Bilik & Penginapan dan Penginapan ICU

Pilihan Perlindungan Keluarga

1 SilarujukkepadaJadualManfaatManuHealthEliteuntukmaklumatlanjut.2 Untukkemasukanhospitaldalamkategoriasaske-2bagiBilikSatuKatil,jumlahpembayaranbalik

adalahtertaklukkepadamaksimum2kalikadarBilik&PenginapanHospitalHarianyangbolehdicajkanbagikategoriasaspertamaBilikSatuKatil.

3 Dengansyaratterdapatanak/anak-anakyangsudahdilindungidibawahpelan.Perlindunganbagianak di bawah pelan keluarga adalah sehingga umur 21 pada hari jadi berikutnya.

4 Pada Mac 2018.5 Perkhidmatan ini tertakluk kepada terma dan syarat yang dinyatakan dalam perjanjian antara

Manulife Insurance Berhad (“MIB”) dan penyedia perkhidmatan yang dilantik, yang boleh dipinda dari masa ke masa.

6 Pilihan deduktibel diguna pakai bagi setiap kehilangan upaya bagi setiap tahun polisi. 7 Tertaklukkepadatermadansyarat.Silarujukkepadakontrakpolisiuntukmaklumatlanjut.8 Pelan insurans berkaitan pelaburan asas yang boleh dilampirkan adalah tertakluk kepada kelulusan

MIB.

ManuHealth Elite juga boleh dilanggan sebagai rider pelan insurans berkaitan pelaburan yang dilampirkan kepada pelan insurans berkaitan pelaburan premium tetap Manulife8. Sila rujuk kepada ilustrasi produk atau lembaran pendedahan produk untuk maklumat lanjut tentang manfaat rider ini.

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Ciri Kelebihan ManuHealth Elite

Perlindungan Komprehensif1 Sepanjang HayatManuHealthElitemelindungiandasehinggaumur99padaharijadiberikutnya.Pelan ini membayar balik kepada anda perbelanjaan perubatan seperti caj sebelum dan selepas kemasukan hospital, perkhidmatan rawatan rapi, perbelanjaan pembedahan, caj manfaat pesakit luar dll. Manfaat pesakit luar termasuk rawatan bagi strok, dialisis buah pinggang, kanser serta demam denggi.

Pelan MHE SignatureAnda tidak perlu bimbang tentang kos bilik dan penginapan hospital yang saban tahunsemakinmeningkat.PelanMHESignaturemembolehkanandamemilihBilik&Penginapanpilihanandasehingga2kategoriasasbagikadarBilikSatuKatilyangdisediakan di hospital2.

Tiada Had Seumur Hidup dan Had Tahunan TinggiIni memastikan bahawa anda tetap dilindungi sepanjang usia emas anda. Tambahan lagi, had tahunan yang tinggi membolehkan anda mempunyai pilihan rawatan perubatan yang lebih luas.

Tiada Had untuk Bilik & Penginapan dan Penginapan ICU Manfaat ini membolehkan anda memberi tumpuan terhadap rawatan tanpa bimbang akan tempoh penginapan hospital.

Pilihan Perlindungan Keluarga Nikmatikemudahanuntukmelindungipasangandananak-anakandadalamhanyasatu polisi. Perlindunganjugadilanjutkankepadaanak-anakandayangdilahirkansetelahpolisianda dilanggan3.Bilanganmaksimumanak-anakyangdilindungidibawahPelanKeluargaadalahlima(5).

Kemasukan Hospital Panel yang Mudah Program Penghospitalan Prapensijilan kami menyediakan manfaat kemasukan hospital dan selepas keluar hospital untuk lebih 100 panel hospital4. Di samping itu,andajugalayakmendapatPerkhidmatanBantuanKecemasan5 sekiranya berlaku kecemasan perubatan.

Pilihan Deduktibel6PilihandeduktibelRM0,RM500danRM5,000adalahdisediakan.Pilihtahapdeduktibel mengikut kemampuan anda. Anda perlu membayar amaun yang dipilih terlebihdahulusebelumManuHealthElitemembantumenjelaskanbilhospitalanda.

Keistimewaan Tahun Keemasan7

Pada umur 60 hari jadi berikutnya, anda boleh memilih untuk menukar amaun deduktibeldaripadaRM500atauRM5,000(manayangberkenaan)kepadaRM0.Dengan ini, anda boleh terus menikmati penjagaan kesihatan tanpa menjejaskan simpanan persaraan anda.

Manfaat Pandangan Perubatan KeduaAnda boleh mendapatkan pandangan perubatan kedua untuk diagnosis atau prosedur perubatan untuk membantu menilai pilihan anda. Manfaat ini ditawarkan secaraeksklusifuntukpelanMHESignature.

Pelepasan Cukai PendapatanAnda mungkin layak untuk menerima pelepasan cukai pendapatan bagi insurans perubatantertaklukkepadatermadansyaratLembagaHasilDalamNegeri.

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* Amaunpembayaranbalikadalahterhadkepada2kategoriasasBilikSatuKatilyangdisediakandihospital.Untukkemasukanhospitaldalamkategoriasaske-2BilikSatuKatil,amaunpembayaranbalikadalahtertaklukkepadamaksimum2kalikadarBilik&PenginapanHospitalHarianyangbolehdikenakanbagikategoriasaspertamaBilikSatuKatil.

** Amaun pembayaran balik adalah tertakluk kepada 2 kali amaun yang boleh dibayar untuk manfaat Bilik&PenginapanHospitalHarian.

Jadual Manfaat untuk ManuHealth Elite

JENIS PELAN

No. Manfaat-Manfaat MHE150 MHE200 MHE250MHE

Signature

SEKSYEN A: MANFAAT-MANFAAT HOSPITAL & PEMBEDAHAN

1 Bilik&PenginapanHospitalHarian(tiadahadhari)

RM150 sehari

RM200 sehari

RM250 sehari

SepertiCaj yang

Dikenakan*2 Bilik&PenginapanHospital

HarianTambahanSemasaDiLuarNegara (sehingga 60 hari bagisetiap kemasukan hospital)

RM150 sehari

RM200 sehari

RM250 sehari

SepertiCaj yang

Dikenakan*

3 RawatanRapiHospital(tiadahadhari)

PembayaranBalikCajMunasabahdanLazim, tolak Amaun Deduktibel (jika berkenaan)

4 Manfaat Pembedahan5 Manfaat Pakar Bius6 Manfaat Bilik Pembedahan7 Manfaat Pakar Perubatan Bertugas8 ManfaatSebelumMasukHospital

(dalam tempoh 60 hari)i. Perundingan Pakarii. X-RayDiagnostik&Pemeriksaan

Makmaliii. Imbasan

9 ManfaatSelepasKeluarHospital(dalamtempoh90hari)i. X-RayDiagnostik&Pemeriksaan

MakmalPesakitLuarii. Perbelanjaan dan Perundingan

Perubatan10 PerkhidmatanKepelbagaianHospital11 Yuran Ambulans12 Perbelanjaan Berkaitan Bukan

Perubatan(bagisetiapHilangUpaya setiap Tahun Polisi)

RM300 RM400 RM500 SepertiCaj yang

Dikenakan (sehingga 2xBilik&

Penginapan harian)**

13 ManfaatTunaiHospitalKerajaan(sehingga 60 hari setiap kemasukan hospital)

RM50sehari

RM65sehari

RM75sehari

RM100sehari

14 ManfaatPenjagaanHarianAnak

(maksimum 120 hari setiap Tahun Polisi)

RM50sehari

RM65sehari

RM75sehari

RM100sehari

Jumlah Deduktibel (bagi setiap Hilang Upaya setiap Tahun Polisi)

RM0, RM500 atau RM5,000

JENIS PELAN

No. Manfaat-Manfaat MHE150 MHE200 MHE250MHE

Signature

SEKSYEN B: MANFAAT-MANFAAT PESAKIT LUAR

15 PembedahanHarian PembayaranBalikCajMunasabahdanLazim16 ManfaatKecederaanAkibat

KemalanganKecemasan(setiapkecederaan)

RM2,000 RM2,500 RM2,750 RM3,500

17 PenjagaanKejururawatandiRumah (bagisetiapHilangUpayasetiapTahunPolisi)

RM500 RM650 RM750 RM1,000

18 RawatanDialisisBuahPinggangPesakitLuar

PembayaranBalikCajMunasabahdanLazim19 RawatanKanserPesakitLuar20 RawatanStrokPesakitLuar21 RawatanDenggiPesakitLuar

SEKSYEN C: MANFAAT-MANFAAT LAIN

22 KantaIntraocular SehinggaRM3,000untuksatumatadanmaksimumRM6,000sepanjanghayat

23 CukaiKerajaan Pembayaran balik sebarang cukai yang berkenaan berdasarkanCajMunasabahdanLazim

24 PandanganPerubatanKedua

(setiap Tahun Polisi)Tidak Berkenaan RM2,000

25 PerkhidmatanBantuanKecemasan Ya26 Manfaat Pemindahan Perubatan

KecemasanAntarabangsaPembayaranBalikCajMunasabahdanLazim

sehinggamaksimumRM100,000sepanjanghayat,tertaklukkepadaHadTahunanIndividuKeseluruhan

Had Tahunan Individu Keseluruhan (RM) 1,000,000 1,500,000 1,750,000 2,200,000Had Seumur Hidup Individu Keseluruhan (RM)

Tiada Had Seumur Hidup

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Pengecualian

SebarangpenyakitataukecederaanyangtimbuldaripadayangberikutnyatidakakandilindungiolehManuHealthElite:

1. Penyakit sedia ada.

2. Penyakit Tertentu yang berlaku dalam tempoh 120 hari pertama perlindungan berterusan, dari TarikhPengeluaranatauTarikhPenguatkuasaanSemulapolisi,manayangkemudian.PenyakitTertentumerujukkepada:

a) hipertensi, diabetes mellitus atau penyakit kardiovascula; b) sebarang pertumbuhan termasuk tumor, kanser, sista, nodul, polip; c) batu dalam sistem kencing dan sistem biliari; d) sebarang penyakit telinga, hidung (termasuk sinus) atau tekak; e) hernia,hemoroid,fistula,hidroselatauvarikosel; f) sebarang penyakit berkaitan dengan sistem reproduktif termasuk endometrisosis; atau g) sebarang gangguan spina (termasuk cakera tergelincir) atau sebarang masalah lutut.

3. Sebarangkeadaanperubatanataufizikalyangtimbuldalamtempoh30hariyangpertamaperlindungan Ahli Yang Dilindungi atau tarikh penguatkuasaan semula, mana yang kemudian, kecuali kecederaan akibat kemalangan.

4. Pembedahan plastik/kosmetik, pemeriksaan mata, cermin mata dan pembiasan atau pembedahanpembetulanrabun(KeratotomiRadialatauLasik)sertapenggunaanataupemerolehan peralatan atau peranti prostesis luaran seperti anggota palsu, alat bantu pendengaran, perentak jantung yang diimplan dan preskripsinya.

Bagaimana pelan MHE Signature berfungsi?

Pembaharuan Seumur HidupManuHealthElitebolehdiperbaharuisepanjang tempoh polisinya kecuali sekiranya berlaku penipuan atau kesalahnyataan.

PerlindunganPerlindunganbermulaserta-mertauntukkemasukan hospital dan pembedahan disebabkankemalangan.Bagisebab-sebabyang lain, perlindungan hanya akan bermula 30 hari selepas penerimaan risiko melainkan penyakit tertentu, di mana tempoh menunggu sebanyak 120 hari diperlukan.

Contoh :Daniel,seoranglelakiberusia40tahunmelangganManuHealthElite(pelanMHESignature)yangmenyediakanmanfaatBilik&PenginapanHospitalHariansehinggakategoriBilikSatuKatilAsasKe-2.DanieldimasukkankeHospitalA,denganpilihankategoriBilikSatuKatilyangmerangkumipilihanSuite,Premier,AsasKe-2danAsasPertama.KosBilik&PenginapanHarianyangakandibayarbalikkepadaDanieladalahsepertiberikut:

SENARIO 1

Kadar Bilik Harian (RM)

Jumlah Dibayar Balik

(RM)

1,000 250

300 250

250 250

200 200

Jika Daniel menginap di bilik dalam kategori Asas Pertama, beliau akan dibayar balikpadaKadarBilikHarianAsas Pertama sebanyak RM200.

Jika Daniel menginap di bilik dalamkategoriAsasKe-2atau lebih tinggi, beliau akan dibayar balik pada kategori AsasKe-2bagiBilikSatuKatilatau2kalikategoriAsas Pertama bagi Bilik SatuKatil,yangmanalebihrendah,iaituRM250.

SENARIO 2

Kadar Bilik Harian (RM)

Jumlah Dibayar Balik

(RM)

1,000 400

700 400

500 400

200 200

Jika Daniel menginap di bilik dalam kategori Asas Pertama, beliau akan dibayar balikpadaKadarBilikHarianAsas Pertama sebanyak RM200.

Jika Daniel menginap di bilik dalamkategoriAsasKe-2atau lebih tinggi, beliau akan dibayar balik pada kategori AsasKe-2bagiBilikSatuKatilatau2kalikategoriAsas Pertama bagi Bilik SatuKatil,yangmanalebihrendah,iaituRM400.

Kategori Bilik Satu Katil

Suite

Premier

AsasKe-2

Asas Pertama

22 23

Pengecualian (samb.)

5. KeadaangigitermasukrawatangigiataupembedahanmulutkecualiyangdiperlukankeranaKecederaanAkibatKemalangan.

6. Rehatpulih,dadahharam,penyakitkelamindanAIDS(SindromKurangDayaTahanPenyakit)atauARC(KompleksBerkaitanAIDS)danpenyakitberkaitanHIV,dansebarangpenyakityangbolehberjangkityangmemerlukankuarantinolehundang-undang.

7. Sebarangrawatanataupembedahanuntukkejanggalankongenitalataukecacatantermasukpenyakit keturunan.

8. Kehamilan,kelahirananak(termasukmelahirkananaksecarapembedahan),keguguran,pengguguran serta penjagaan dan pembedahan sebelum dan selepas bersalin.

9. Kemasukanhospitalterutamanyabagitujuanpenyiasatan.10. Membunuh diri, percubaan bunuh diri atau kecederaan diri yang disengajakan semasa waras

atau tidak waras.11. Peperangan atau sebarang tindakan peperangan, diisytiharkan atau tidak diisytiharkan,

aktivitipenjenayahataupengganas,tugasaktifdalammana-manaangkatanbersenjata,penyertaan langsung dalam mogok, rusuhan dan kekacauan awam atau penderhakaan.

12. Sinaranpengionanataupencemaranolehkeradioaktifan.13. Perbelanjaanyangditanggungbagipendermaanmana-manaorganbadan.14. Penyiasatan dan rawatan penyakit tidur dan berdengkur dan sebagainya.15. Penjagaan atau rawatan yang tidak memerlukan bayaran atau setakat yang akan dibayar oleh

mana-manainsuranslain.16. Gangguan psikotik, kecelaruan mental atau gangguan saraf.17. PenyakitatauKecederaanyangtimbuldaripadasebarangjenisperlumbaan(kecualilumba

kaki), sukan berbahaya seperti tetapi tidak terhad kepada terjun udara, luncur air, aktiviti dalam air yang memerlukan alat pernafasan, sukan musim sejuk, sukan profesional dan kegiatan haram.

18. Penerbangan persendirian melainkan sebagai penumpang yang membayar tambang di dalam mana-manapesawatpenerbangankomersil.

19. Perbelanjaanyangditanggunguntukpenukaranjantina.20.RawatandiluarnegarajikaAhliYangDilindungitinggalataumelancongdiluarMalaysia,

BruneiatauSingapurauntuktempohmelebihi90hariberturut-turut.

Sila ambil perhatian bahawa senarai pengecualian ini tidak menyeluruh dan tertakluk kepada tempoh kelayakan. Untuk butir-butir tepat tentang terma dan syarat, sila rujuk kepada kontrak polisi anda.

Nota Penting

1. Anda hendaklah memastikan bahawa pelan ini menepati keperluan anda dan anda mampu membayar premium yang perlu dibayar di bawah kontrak polisi. Anda boleh memilih untuk membayar premium anda sama ada secara bulanan, suku tahunan, setengah tahunan atau tahunan.

2. Polisi insurans hayat adalah satu komitmen jangka panjang. Anda tidak dinasihatkan untuk memegang polisi ini bagi jangka yang pendek memandangkan ia mempunyai kos permulaan yang tinggi.

3. Premium ditentukan berdasarkan umur dan jantina anda, manfaat dan pelan yang dipilih serta kelaspekerjaanandayangtertaklukkepadapengunderaitan.SilarujukLampiran1hingga6untukjadualKadarPremiumTahunan.Untukmaklumatlanjut,andabolehmerujukkepadaLembaranPendedahanProdukatauIlustrasiJualan.

4. Silaambilperhatianbahawajikaandatidakmembayarpremiumdalamtempohtenggangtigapuluh (30) hari dari tarikh akhir pembayaran premium, polisi anda akan luput.

5. PremiumManuHealthEliteadalahtidakdijamindanMIBberhakmenyemaksemulakadarpremium (tidak termasuk sebarang cukai yang berkenaan) sewajarnya ke atas semua polisi dalam kelas insurans yang sama, tanpa mengira pengalaman tuntutan individu dengan memberikannotisbertulissembilanpuluh(90)harisebelumpenyemakansemulatersebut.

6. Andadinasihatkansupayamerujukkepadacontohkontrakpolisiuntukciri-ciripentinginsuranskesihatanyangterperincibagipelanyangandaberhasratuntukbeli.Sekiranyaanda memerlukan maklumat tambahan tentang insurans perubatan dan kesihatan, anda juga bolehmerujukkepadarisalahinfoinsuransmengenai‘InsuransPerubatanDanKesihatan‘dicawangan kami atau hubungi Penasihat Manulife Profesional atau melayari laman web www.insuranceinfo.com.my.

7. Anda diberi “Tempoh Percubaan Percuma” selama lima belas (15) hari dari tarikh penerimaan kontrak polisi untuk menilai kesesuaian pelan insurans yang dibeli. Jika anda memulangkan kontrak polisi kepada MIB dalam tempoh ini, semua premium yang telah dibayar (tolak sebarang perbelanjaan pemeriksaan kesihatan yang ditanggung) akan dibayar balik kepada anda dan polisi ini akan dibatalkan.

8. Harapmaklumbahawamungkinterdapatimplikasiyangakanmempengaruhipermohonaninsurans kesihatan anda jika anda bertukar daripada satu jenis pelan kesihatan daripada syarikat insurans yang lain kepada pelan MIB yang menawarkan manfaat yang serupa.

9. Premiumdan/ataucajpolisi,yangmanaberkenaan,mungkintertaklukkepadacukai-cukaiyangdiperkenalkanolehKerajaanMalaysiadarisemasakesemasa.MIBberhakuntukmenuntut daripada anda jumlah yang setara dengan cukai yang perlu dibayar bagi premium dan/ataucajpolisi,yangmanaberkenaan,padakadaryangditetapkan.Kewajipanandauntukmembayarcukai-cukaitersebutakantermaktubdalamTermadanSyaratpolisiinsuransanda.

10. Risalahinibertujuanuntukmemberimaklumatamsahajadantidakbolehdianggapsebagaikontrakinsurans.Terma,keadaan,pengecualiandandefinisiyangtepatpelaniniadalahtermaktub dalam kontrak polisi yang dikeluarkan oleh MIB. Tertakluk kepada terma dan syarat.

11. Jika terdapat percanggahan antara versi Bahasa Inggeris, Bahasa Melayu dan Bahasa Cina, versi Bahasa Inggeris akan digunakan.

12. PelaniniditajajaminolehManulifeInsuranceBerhad(200801013654(814942-M)), sebuahsyarikatyangdidaftarkandibawahAktaPerkhidmatanKewangan2013dandikawalseliaolehBankNegaraMalaysia.SyarikatiniterletakdiTingkat16,MenaraManulife,6, JalanGelenggang,DamansaraHeights,50490KualaLumpur.

Ketahui lebih lanjut dengan menghubungi Khidmat Pelanggan kami di talian

03-2719 9112 / 1-300-13-2323atau berhubung dengan Penasihat Manulife Profesional kami hari ini!

24

ManuHealth Elite

一份以您和您的家人为优先的医疗保险计划

26 27

这些年来，医疗费用一直在大幅上升，这使得对牢靠又全面的医疗保险计划的需求也在增加。

ManuHealth Elite 是一份独立式的非分红医疗保险计划，它可帮助您管理自己的医药开销，同时尽量提供您最佳的医护照顾。

现在，生活变得更加简单。

ManuHealth Elite 利益一览表

全面的终身保障

无终身限额，每年赔偿限额高达RM220万

住院膳宿与加护病房 (ICU) 住宿无限额

家庭成员保障选项

1 请参阅 ManuHealth Elite 的惠益列表，以了解进一步详情。2 住院时若选择第二个基本类别单人床病房，赔偿数额将限于第一个基本类别单人床病房所征收的每

日住院膳宿费用的2倍。3 条件是目前此保险计划下有儿童受保障。在此家庭计划下，儿童可受保障至下一个生日龄为21岁为止。 4 截至2018年3月为准。5 此服务受限于 Manulife Insurance Berhad (“MIB”) 与受委的服务供应商之间签订的协议所阐明之

条件与规则，而这些条规可能随时修改。6 此自付额选项适用于每个保单年之每项残疾。7 必须符合条件与规则。请参阅保单合约以了解更多详情。8 可附加的基本投资联结保险计划须视公司批准。

您也可选择 ManuHealth Elite 作为投资联结保险计划，并附加于 Manulife 的定期缴付保费投资联结保险计划8。

请参阅产品说明书或产品信息披露声明，以获取有关此附加利益保单所提供的进一步详情。

28 29

ManuHealth Elite 的重要特征

全面1的终身保障ManuHealth Elite 为您提供全面医药保障直至您达到下一个生日龄为99岁为止。它赔偿您各种医药费用，如住院前和住院后的收费、加护病房服务费、手术费、门诊利益收费等。

门诊利益包括中风、洗肾、癌症以及骨痛热症的疗程。

MHE Signature 计划在未来的几年，您无需担忧医院膳宿费的上涨。我们的 MHE Signature 计划让您自己选择医院里所提供的两种基本类别单人床膳宿方案2。

无终身限额，高年度限额这将确保您在步入乐龄之年时仍获得保障。此外，高年度限额让您可以拥有更广泛的医护选择方案。

住院膳宿与加护病房 (ICU) 住宿无限额此利益让您专注于休养康复，而无需担忧您须住院多久。

家庭成员保障选项您可选择在同一份保单里为您的配偶和子女提供保障。

保障也将延伸至您购买保单之后才诞生的子女3。每份家庭成员保障计划最多只允许涵盖五 (5) 名子女。

入住指定医院毫不麻烦我们的预先批核住院计划让您在毫不麻烦的情况下，享有入住及出院后利益于100多家指定医院4。此外，您还有资格享用为了应付紧急医疗而准备的紧急救援服务5。

自付额选项6

我们备有RM0，RM500和RM5,000的自付额选项。选择您认为舒适的自付额选项数目。您必须先支付所选定的数额，ManuHealth Elite 才会助您缴付住院账单。

黄金年华特权7

在达到下一个生日龄为60岁的乐龄人士，将可选择把您的自付额数额从RM500或RM5,000 (视何者为适用) 转换成RM0。这将让您在不损及您退休储蓄的情况下，继续享受医药护理。

第二医疗意见利益您可寻求第二医疗意见来进行医药诊断或程序以帮助您评估您的选项。唯有 MHE Signature 计划才可享有此项独家惠益。

所得税减免您的医疗保险将可享有资格减免所得税，唯须遵守内陆税收局的条件与规则。

30 31

* 赔偿额将限于医院所提供的2个基本类别的单人床病房。住院时若选择第二个基本类别的单人床病房，那么赔偿额将限于第一个基本类别的单人床病房所征收的每日住院膳宿费用的2倍。

** 赔偿额将限于每日住院膳宿费利益中可索偿金额的2倍。

ManuHealth Elite 惠益列表

计划类型

号利益 MHE150 MHE200 MHE250MHE

Signature

A部分: 住院与手术利益

1 每日住院膳宿 (不限制天数) 每天 RM150

每天 RM200

每天 RM250

全额索偿*

2 在国外的额外每日住院膳宿(每次住院最多60天)

每天 RM150

每天 RM200

每天 RM250

全额索偿*

3 医院加护病房 (不限制天数)

赔偿必需及合理费用，扣除自付额数额 (若适用)

4 手术利益

5 麻醉师利益

6 手术房利益

7 主治医师利益

8 住院前利益 (住院前60天内)i. 专科医生咨询ii. 诊断性X光及化验检查iii. 扫描

9 出院后利益 (出院90天内)i. 门诊诊断性X光及化验检查ii. 医药开销与咨询费

10 医院杂项服务

11 救护车费用

12 非医药相关的开销(每个保单年份之每项残疾)

RM300 RM400 RM500 全额索偿 (高达每日住院膳宿的2倍)**

13 政府医院现金利益(每次住院最多60天)

每天 RM50

每天 RM65

每天 RM75

每天 RM100

14 儿童每日监护利益 (每个保单年份最多120天)

每天 RM50

每天 RM65

每天 RM75

每天 RM100

自付额金额 (每个保单年份之每项残疾) RM0, RM500 或 RM5,000

计划类型

号利益 MHE150 MHE200 MHE250MHE

Signature

B部分: 门诊利益

15 日间手术赔偿必需及合理费用

16 紧急意外受伤利益 (每次受伤) RM2,000 RM2,500 RM2,750 RM3,500

17 住家看护照顾 (每个保单年份之每项残疾)

RM500 RM650 RM750 RM1,000

18 门诊洗肾治疗

赔偿必需及合理费用19 门诊癌症治疗

20 门诊中风治疗

21 门诊骨痛热症治疗

C部分: 其它利益

22 眼内透镜受限于每只眼睛最高 RM3,000 和终身限额 RM6,000

23 政府税务根据必需及合理费用，赔偿任何适用的税务

24 第二医疗意见 (每个保单年份) 不适用 RM2,000

25 紧急救援服务有

26 国际紧急医疗迁离利益赔偿必需及合理费用，限于终身限额 RM100,000，及整体个人年度限额

整体个人年度限额 (RM) 1,000,000 1,500,000 1,750,000 2,200,000

整体个人终身限额 (RM) 不含终身限额

32 33

除外条款

由下列各项所引起的任何疾病或受伤均不在 ManuHealth Elite 的保障范围内:

1. 现存疾病。

2. 从保单发出日期或复效日期，视何者为后，算起的首120天连续保障期间被诊断的特定疾病。特定疾病是指:

a) 高血压、糖尿病或心血管疾病； b) 任何类型的生长，包括肿瘤、癌症、囊肿、结节、息肉; c) 泌尿系统和胆道系统的结石; d) 有关耳朵、鼻子 (包括鼻窦) 或咽喉的任何疾病; e) 疝气、血管痉挛、瘘管、水疱或静脉曲张; f) 任何与生殖系统有关的疾病，包括子宫内膜异位症; 或 g) 任何与脊柱 (包括脊椎间滑盘) 或任何与膝盖有关的疾病。

3. 在保单开始生效或复效日期算起的首30天内 (视何者为后) 发生的任何疾病或身体状况，除了意外受伤。

4. 整容/整形手术、验眼、配眼镜和测定屈光度或矫正近视的手术 (放射状角膜切开术或镭射型手术) 以及由此而使用或购取的外用修复器具或仪器，如义肢、助听器、移植起搏器和药方等。

5. 牙疾包括牙科护理或口腔手术，除了因意外受伤而导致必然的重整手术。

MHE Signature 计划如何发挥效用？

终身更新ManuHealth Elite 在整个保单期限内均可更新，除了诈骗或失实申报。

保障因意外缘故导致的住院及手术保障将从保单被批准后立即生效。其他缘故导致的保障将从保单被批准之30天后开始生效，而指定的特定疾病则须符合120天的等待期限。

例 :Daniel 是一名40岁的男性。他所购买的 ManuHealth Elite (MHE Signature 计划) 提供每日住院膳宿利益高达第2个基本类别的单人床病房。他入住医院甲，那里的单人床病房备有套房、高级房、第2基本病房和第1基本病房供选择。Daniel 可获得赔偿的每日住院膳宿费如下：

境况1

每日病房费率 (RM)

应赔偿金额 (RM)

1,000 250

300 250

250 250

200 200

如果 Daniel 入住在第1基本病房类别，他将获赔偿于第1基本病房每日病房费率，即RM200。

如果 Daniel 入住在第2基本病房或更高类别，他将获赔偿于单人床病房的第2基本类别费率，或单人床病房的第1基本类别费率的两倍，视何者较低，即RM250。

境况2

每日病房费率 (RM)

应赔偿金额 (RM)

1,000 400

700 400

500 400

200 200

如果 Daniel 入住在第1基本病房类别，他将获赔偿于第1基本病房每日病房费率，即RM200。

如果 Daniel 入住在第2基本病房或更高类别，他将获赔偿于单人床病房的第2基本类别费率，或单人床病房的第1基本类别费率的两倍，视何者较低，即RM400。

单人床病房类别

套房

高级房

第2基本

第1基本

34 35

除外条款 (续)

6. 休养、服用非法药物、性病及爱滋病 (后天免疫缺损综合症) 或ARC (爱滋病相关并发症) 和HIV相关病症，以及法律规定需要隔离的任何传染病。

7. 有关先天性异常或畸形，包括遗传情况在内的任何治疗或外科手术。

8. 怀孕、分娩 (包括手术助产)、流产、堕胎以及产前或产后护理及手术。

9. 主要目的为检验而住院。

10. 在神志清醒或不清醒下自杀、企图自杀或蓄意自残。

11. 已宣战或未宣战的战争或任何战争行为、刑事或恐怖主义活动、服役于任何武装部队、直接参与罢工、骚乱、民事骚动或叛乱。

12. 离子辐射或遭到放射线感染。

13. 因捐献任何身体器官而支付的费用。

14. 睡眠失调与打鼾等等的诊断和治疗。

15. 不需缴费，或在某种程度上由任何其他保险公司付费的护理或治疗。

16. 精神失调、精神障碍或神经失调。

17. 参加任何种类的竞赛 (除了徒步竞走)、高危运动，例如唯不限于特技跳伞、水橇滑水、需要呼吸配备的水底活动、冬季运动、专业运动以及非法活动等而导致的病痛或受伤。

18. 参加私人飞行活动，已付费乘客的身份乘搭商业航班除外。

19. 因变性而支付的费用。

20. 海外治疗，若受保成员在马来西亚、汶莱或新加坡以外的国家居住或旅行连续超过九十 (90) 天。

敬请留意，以上除外条款恕未能一一尽录，且须符合特定合格期限的规定。欲知有关规则与条款之详情，请参阅您的保单契约。

重要提示

1. 您应确保此计划能充分满足您的需求，及所需缴付于此保单的保费是您所能够负担的。您可选择以每月一次、每三个月一次、每半年一次或每年一次的方式缴付保费。

2. 敬请留意，购买人寿保险是一项长期承诺。由於起始成本偏高，我們並不鼓励您短期性持有這份保单。

3. 保费乃取决于您的年龄、性别，所选择的利益和计划配套以及职业级别，须视承保决定。请参阅附录1至6以了解年度保费率图表。欲知详情，您可参阅产品披露表或销售说明书。

4. 敬请留意，从保费到期日算起的30天宽限期内，若您没有缴付保费，您的保险计划将可能失效。

5. ManuHealth Elite 的保费并不受保证，且 MIB 有权调整保险费用 (不包括任何适用的税务），并实行于同级保险内的所有保单，不论有关人士曾否索偿，唯作出更改之前将先给予九十 (90) 天前的书面通知。

6. 您受劝请参阅保单合约样本，以了解自己有意购买的健康保险之重要细节。欲知更多有关医疗和健康保险的信息，请参阅我们分行所提供的“医疗和健康保险”保险教育手册，或联络您的专业 Manulife 代理或登录网站 www.insuranceinfo.com.my。

7. 您可在收到保单契约日期算起的十五 (15) 天之免费审察期內審查新购买保单之适合性。若您在此段期间退还保单契约予 MIB，公司将悉数退还您已缴付的保费 (扣除任何已支付医药检查费)，而此保单亦就此取消。

8. 若您打算将别家保险公司的类似保单转换成 MIB 保单，某些情况将可能影响您的申请核准，请务必垂注。

9. 保费及/或保单收费 (视何者适用) 均可能须缴付马来西亚政府在任何时候所实施的任何税务。MIB 有权向您征收按现行率所计算的相关税务，并予以缴纳。缴付税款之义务将构成您签购保单的条件与规则之一部分。

10. 此份宣传手册仅提供基本概念资讯，不可作为保单契约之一部分。有关此保险计划之详细条件与规则、定义与除外条款，均注明于 MIB 所发出的保单契约内。必须符合条件与规则。

11. 英文、马来文与中文的版本之间若有任何出入，应以英文版本为准。

12. 此份保险计划乃由 Manulife Insurance Berhad (200801013654 (814942-M)) 承保。公司持有执照乃依据 2013 年金融服务法令所颁发，并受马来西亚国家银行管制。其办事处地点处于 16th Floor, Menara Manulife, 6, Jalan Gelenggang, Damansara Heights, 50490 Kuala Lumpur。

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Appendix 1 / Lampiran 1 / 附录1AnnualPremiumRatesforMALE,StandardLife–INSURED ONLY.KadarPremiumTahunanuntukLELAKI,HayatStandard–ORANG YANG DIINSURANSKAN SAHAJA.标准风险受保人 (男性) 之年度保费率范例表 – 仅限受保人本身。

Appendix 1 / Lampiran 1 / 附录1AnnualPremiumRatesforMALE,StandardLife–INSURED ONLY.KadarPremiumTahunanuntukLELAKI,HayatStandard–ORANG YANG DIINSURANSKAN SAHAJA.标准风险受保人 (男性) 之年度保费率范例表 – 仅限受保人本身。

MHE150 MHE200

Age Next Birthday / Umur Hari Jadi

Berikutnya / 下一个生日年龄

Deductible Option / Pilihan Deduktibel / 自付额选项


RM0 RM500 RM5,000 RM0 RM500 RM5,0001-5 1,396 1,253 919 1,742 1,582 1,2486-17 898 811 618 1,123 1,024 83118-30 1,074 978 793 1,323 1,213 1,02931-40 1,250 1,155 978 1,546 1,436 1,25941-45 1,507 1,406 1,278 1,873 1,753 1,62546-50 1,981 1,853 1,695 2,466 2,314 2,15651-55 2,681 2,511 2,345 3,343 3,140 2,97456-60 3,480 3,271 3,131 4,364 4,110 3,97061-65 4,113 3,859 3,637 5,150 4,844 4,622

66 6,507 6,120 5,782 8,143 7,675 7,33767 6,507 6,120 5,782 8,143 7,675 7,33768 6,507 6,120 5,782 8,143 7,675 7,33769 6,986 6,571 6,208 8,744 8,241 7,87870 7,465 7,022 6,634 9,344 8,807 8,41971* 7,944 7,472 7,059 9,946 9,373 8,96172* 8,424 7,924 7,486 10,546 9,939 9,50273* 8,904 8,375 7,912 11,147 10,505 10,04374* 9,507 8,942 8,448 11,901 11,216 10,72275* 10,108 9,508 8,982 12,655 11,927 11,40176* 10,711 10,080 9,555 13,410 12,644 12,11977* 11,312 10,652 10,126 14,164 13,360 12,83578* 11,915 11,224 10,699 14,917 14,076 13,55179* 12,804 12,068 11,543 16,030 15,133 14,60880* 13,693 12,913 12,388 17,144 16,192 15,66781* 14,582 13,757 13,232 18,250 17,242 16,71682* 15,470 14,601 14,076 19,362 18,299 17,77383* 16,358 15,445 14,920 20,474 19,355 18,83084* 17,147 16,195 15,670 21,460 20,292 19,76685* 17,935 16,943 16,418 22,446 21,228 20,70386* 18,723 17,692 17,167 23,456 22,188 21,66387* 19,511 18,440 17,915 24,443 23,125 22,60088* 20,298 19,188 18,663 25,430 24,063 23,53889* 21,176 20,022 19,496 26,528 25,106 24,58190* 22,051 20,853 20,328 27,626 26,149 25,62491* 22,927 21,685 21,160 28,731 27,199 26,67492* 23,803 22,518 21,993 29,829 28,242 27,71793* 24,680 23,351 22,825 30,927 29,285 28,76094* 25,567 24,193 23,668 32,038 30,341 29,81695* 26,452 25,035 24,509 33,150 31,397 30,87196* 27,340 25,878 25,353 34,267 32,458 31,93397* 28,227 26,720 26,195 35,377 33,513 32,98898* 29,114 27,563 27,038 36,489 34,569 34,044

MHE250 MHE SIGNATURE





RM0 RM500 RM5,000 RM0 RM500 RM5,0001-5 2,070 1,894 1,560 2,728 2,519 2,1856-17 1,334 1,225 1,032 1,759 1,629 1,43618-30 1,556 1,435 1,251 2,023 1,879 1,69531-40 1,824 1,700 1,523 2,380 2,229 2,05241-45 2,216 2,079 1,951 2,905 2,734 2,60646-50 2,923 2,749 2,591 3,841 3,620 3,46251-55 3,967 3,732 3,566 5,221 4,924 4,75856-60 5,197 4,902 4,762 6,874 6,495 6,35561-65 6,131 5,776 5,554 8,101 7,647 7,426

66 9,689 9,143 8,805 12,797 12,096 11,75767 9,689 9,143 8,805 12,797 12,096 11,75768 9,689 9,143 8,805 12,797 12,096 11,75769 10,404 9,818 9,455 13,739 12,986 12,62370 11,118 10,492 10,104 14,684 13,879 13,49171* 11,836 11,169 10,756 15,636 14,780 14,36772* 12,551 11,844 11,406 16,580 15,671 15,23473* 13,265 12,518 12,055 17,524 16,564 16,10274* 14,163 13,365 12,871 18,708 17,683 17,18975* 15,060 14,211 13,686 19,893 18,803 18,27876* 15,960 15,067 14,541 21,085 19,936 19,41077* 16,857 15,919 15,394 22,270 21,061 20,53678* 17,755 16,772 16,247 23,454 22,186 21,66179* 19,079 18,029 17,504 25,205 23,850 23,32480* 20,403 19,288 18,763 26,955 25,512 24,98781* 21,712 20,531 20,006 28,673 27,144 26,61982* 23,037 21,790 21,265 30,421 28,805 28,27983* 24,360 23,046 22,521 32,169 30,465 29,94084* 25,534 24,162 23,636 33,718 31,937 31,41285* 26,707 25,276 24,751 35,268 33,410 32,88486* 27,927 26,436 25,910 36,916 34,975 34,45087* 29,104 27,553 27,028 38,471 36,452 35,92688* 30,279 28,670 28,144 40,024 37,927 37,40289* 31,585 29,910 29,385 41,752 39,569 39,04490* 32,893 31,153 30,628 43,479 41,210 40,68591* 34,216 32,409 31,884 45,238 42,880 42,35592* 35,523 33,651 33,126 46,966 44,522 43,99793* 36,831 34,894 34,369 48,695 46,165 45,64094* 38,153 36,150 35,625 50,444 47,827 47,30195* 39,478 37,409 36,883 52,194 49,489 48,96496* 40,812 38,676 38,151 53,966 51,172 50,64797* 42,136 39,934 39,409 55,717 52,836 52,31098* 43,460 41,192 40,666 57,468 54,499 53,974

* For renewal premium only / Untuk premium pembaharuan sahaja / 仅供于保费更新Excludeanyapplicabletaxes/Tidaktermasuksebarangcukaiyangberkenaan/ 不包括任何适用的税务


36 37

Appendix 2 / Lampiran 2 / 附录2AnnualPremiumRatesforFEMALE,StandardLife–INSURED ONLY.KadarPremiumTahunanuntukPEREMPUAN,HayatStandard–ORANG YANG DIINSURANSKAN SAHAJA.标准风险受保人 (女性) 之年度保费率范例表 – 仅限受保人本身。

Appendix 2 / Lampiran 2 / 附录2AnnualPremiumRatesforFEMALE,StandardLife–INSURED ONLY.KadarPremiumTahunanuntukPEREMPUAN,HayatStandard–ORANG YANG DIINSURANSKAN SAHAJA.标准风险受保人 (女性) 之年度保费率范例表 – 仅限受保人本身。

MHE150 MHE200





RM0 RM500 RM5,000 RM0 RM500 RM5,0001-5 1,127 998 664 1,411 1,268 9346-17 693 616 423 869 784 59018-30 1,032 937 753 1,278 1,171 98731-40 1,286 1,190 1,012 1,599 1,486 1,30941-45 1,760 1,647 1,519 2,195 2,060 1,93246-50 2,256 2,114 1,957 2,813 2,644 2,48651-55 2,710 2,539 2,372 3,381 3,177 3,01056-60 3,769 3,545 3,405 4,710 4,439 4,29961-65 4,418 4,148 3,927 5,519 5,194 4,973

66 6,937 6,529 6,191 8,665 8,171 7,83367 6,937 6,529 6,191 8,665 8,171 7,83368 6,937 6,529 6,191 8,665 8,171 7,83369 7,451 7,013 6,650 9,309 8,778 8,41570 7,966 7,497 7,109 9,952 9,384 8,99671* 8,481 7,982 7,569 10,602 9,997 9,58472* 8,996 8,467 8,029 11,246 10,604 10,16673* 9,510 8,951 8,488 11,888 11,210 10,74774* 10,144 9,548 9,054 12,681 11,958 11,46475* 10,779 10,145 9,619 13,474 12,705 12,18076* 11,413 10,747 10,222 14,266 13,457 12,93277* 12,048 11,350 10,825 15,060 14,211 13,68678* 12,683 11,954 11,429 15,853 14,965 14,44079* 13,626 12,849 12,324 17,031 16,084 15,55980* 14,568 13,745 13,219 18,209 17,204 16,67881* 15,511 14,640 14,115 19,377 18,313 17,78882* 16,454 15,536 15,011 20,556 19,433 18,90783* 17,397 16,432 15,906 21,734 20,552 20,02784* 18,159 17,156 16,630 22,685 21,455 20,93085* 18,921 17,880 17,354 23,635 22,358 21,83386* 19,683 18,604 18,079 24,572 23,248 22,72387* 20,444 19,327 18,802 25,522 24,151 23,62688* 21,207 20,051 19,526 26,474 25,055 24,53089* 22,091 20,892 20,366 27,579 26,105 25,58090* 22,976 21,732 21,207 28,684 27,155 26,63091* 23,862 22,574 22,048 29,781 28,197 27,67292* 24,747 23,414 22,889 30,887 29,247 28,72293* 25,633 24,256 23,730 31,993 30,298 29,77394* 26,598 25,173 24,647 33,196 31,441 30,91695* 27,562 26,088 25,563 34,399 32,584 32,05896* 28,526 27,004 26,479 35,639 33,762 33,23797* 29,490 27,920 27,395 36,844 34,907 34,38198* 30,454 28,836 28,311 38,049 36,051 35,526






RM0 RM500 RM5,000 RM0 RM500 RM5,0001-5 1,679 1,522 1,188 2,218 2,034 1,7006-17 1,037 943 750 1,374 1,263 1,07018-30 1,508 1,389 1,205 1,971 1,830 1,64631-40 1,892 1,765 1,588 2,480 2,324 2,14741-45 2,605 2,449 2,321 3,427 3,230 3,10246-50 3,339 3,144 2,986 4,397 4,149 3,99151-55 4,014 3,777 3,611 5,284 4,984 4,81856-60 5,598 5,283 5,142 7,383 6,978 6,83861-65 6,558 6,182 5,960 8,645 8,164 7,942

66 10,297 9,721 9,383 13,574 12,834 12,49667 10,297 9,721 9,383 13,574 12,834 12,49668 10,297 9,721 9,383 13,574 12,834 12,49669 11,060 10,441 10,078 14,583 13,788 13,42570 11,824 11,163 10,775 15,590 14,740 14,35271* 12,602 11,897 11,484 16,625 15,719 15,30672* 13,367 12,620 12,182 17,634 16,672 16,23573* 14,133 13,342 12,879 18,642 17,626 17,16374* 15,076 14,233 13,739 19,886 18,802 18,30875* 16,019 15,122 14,597 21,129 19,978 19,45276* 16,959 16,016 15,490 22,369 21,155 20,63077* 17,902 16,912 16,387 23,611 22,335 21,81078* 18,845 17,807 17,282 24,854 23,516 22,99179* 20,246 19,138 18,613 26,703 25,272 24,74780* 21,646 20,469 19,944 28,550 27,027 26,50181* 23,026 21,779 21,254 30,355 28,742 28,21782* 24,425 23,109 22,584 32,200 30,495 29,96983* 25,825 24,439 23,913 34,045 32,247 31,72284* 26,955 25,512 24,987 35,536 33,664 33,13985* 28,087 26,587 26,062 37,025 35,079 34,55486* 29,185 27,630 27,105 38,450 36,432 35,90787* 30,314 28,703 28,178 39,939 37,847 37,32288* 31,444 29,776 29,251 41,428 39,261 38,73689* 32,756 31,023 30,498 43,156 40,903 40,37890* 34,069 32,271 31,745 44,885 42,546 42,02191* 35,366 33,502 32,977 46,586 44,161 43,63692* 36,678 34,749 34,224 48,313 45,802 45,27793* 37,992 35,997 35,471 50,043 47,445 46,92094* 39,420 37,354 36,829 51,925 49,234 48,70995* 40,849 38,711 38,186 53,807 51,022 50,49696* 42,354 40,141 39,615 55,842 52,955 52,43097* 43,785 41,501 40,975 57,729 54,748 54,22298* 45,216 42,860 42,335 59,617 56,541 56,016



38 39

Appendix 3 / Lampiran 3 / 附录3AnnualPremiumRatesforMALE & FEMALE,StandardLife–INSURED AND SPOUSE.KadarPremiumTahunanuntukLELAKI & PEREMPUAN,HayatStandard–ORANG YANG DIINSURANSKAN DAN PASANGAN.标准风险受保人 (男性&女性) 之年度保费率范例表 – 受保人和配偶。

Appendix 3 / Lampiran 3 / 附录3AnnualPremiumRatesforMALE & FEMALE,StandardLife–INSURED AND SPOUSE.KadarPremiumTahunanuntukLELAKI & PEREMPUAN,HayatStandard–ORANG YANG DIINSURANSKAN DAN PASANGAN.标准风险受保人 (男性&女性) 之年度保费率范例表 – 受保人和配偶。

MHE150 MHE200





RM0 RM500 RM5,000 RM0 RM500 RM5,0001-5 – – – – – –6-17 – – – – – –18-30 2,106 1,915 1,547 2,601 2,385 2,01631-40 2,537 2,345 1,991 3,145 2,922 2,56841-45 3,267 3,053 2,797 4,067 3,813 3,55746-50 4,236 3,968 3,652 5,279 4,958 4,64251-55 5,391 5,050 4,717 6,725 6,317 5,98456-60 7,249 6,816 6,535 9,074 8,549 8,26961-65 8,530 8,007 7,564 10,669 10,038 9,595

66 13,444 12,649 11,973 16,809 15,845 15,16967 13,444 12,649 11,973 16,809 15,845 15,16968 13,444 12,649 11,973 16,809 15,845 15,16969 14,438 13,584 12,858 18,053 17,018 16,29270 15,431 14,519 13,743 19,296 18,190 17,41571* 16,425 15,454 14,629 20,547 19,370 18,54572* 17,420 16,391 15,515 21,792 20,543 19,66873* 18,414 17,326 16,400 23,035 21,715 20,79074* 19,651 18,490 17,502 24,582 23,174 22,18675* 20,887 19,652 18,602 26,129 24,632 23,58176* 22,124 20,828 19,777 27,675 26,101 25,05077* 23,360 22,002 20,951 29,223 27,571 26,52178* 24,598 23,178 22,127 30,770 29,041 27,99179* 26,430 24,918 23,867 33,061 31,217 30,16780* 28,261 26,657 25,607 35,354 33,395 32,34581* 30,092 28,397 27,347 37,627 35,555 34,50482* 31,924 30,137 29,086 39,918 37,731 36,68183* 33,755 31,877 30,826 42,208 39,907 38,85784* 35,306 33,350 32,300 44,145 41,747 40,69685* 36,856 34,823 33,773 46,081 43,587 42,53686* 38,407 36,296 35,245 48,028 45,436 44,38587* 39,956 37,767 36,717 49,965 47,276 46,22688* 41,505 39,239 38,189 51,904 49,118 48,06789* 43,267 40,913 39,863 54,107 51,211 50,16090* 45,027 42,586 41,535 56,310 53,304 52,25391* 46,789 44,259 43,208 58,512 55,396 54,34592* 48,550 45,932 44,881 60,715 57,489 56,43993* 50,312 47,606 46,556 62,920 59,583 58,53294* 52,164 49,366 48,315 65,234 61,782 60,73195* 54,014 51,123 50,072 67,548 63,980 62,93096* 55,866 52,882 51,832 69,906 66,220 65,17097* 57,717 54,641 53,590 72,222 68,420 67,36998* 59,568 56,399 55,348 74,538 70,621 69,570






RM0 RM500 RM5,000 RM0 RM500 RM5,0001-5 – – – – – –6-17 – – – – – –18-30 3,064 2,825 2,457 3,994 3,709 3,34031-40 3,716 3,466 3,111 4,861 4,553 4,19841-45 4,820 4,528 4,272 6,331 5,964 5,70846-50 6,262 5,892 5,576 8,238 7,769 7,45351-55 7,980 7,510 7,177 10,505 9,908 9,57556-60 10,795 10,185 9,904 14,257 13,473 13,19361-65 12,689 11,957 11,514 16,746 15,812 15,368

66 19,986 18,864 18,188 26,371 24,930 24,25467 19,986 18,864 18,188 26,371 24,930 24,25468 19,986 18,864 18,188 26,371 24,930 24,25469 21,464 20,259 19,533 28,322 26,774 26,04870 22,942 21,654 20,879 30,274 28,619 27,84371* 24,438 23,066 22,240 32,262 30,499 29,67372* 25,918 24,463 23,588 34,214 32,344 31,46873* 27,398 25,860 24,935 36,166 34,190 33,26574* 29,239 27,597 26,609 38,594 36,485 35,49775* 31,078 29,334 28,283 41,023 38,781 37,73176* 32,919 31,082 30,032 43,454 41,090 40,04077* 34,759 32,831 31,780 45,880 43,396 42,34578* 36,600 34,579 33,529 48,308 45,702 44,65179* 39,324 37,168 36,117 51,908 49,122 48,07180* 42,050 39,757 38,706 55,505 52,539 51,48881* 44,738 42,311 41,260 59,028 55,886 54,83682* 47,462 44,899 43,848 62,621 59,299 58,24983* 50,185 47,485 46,434 66,214 62,712 61,66284* 52,489 49,674 48,623 69,254 65,601 64,55085* 54,794 51,864 50,813 72,294 68,488 67,43886* 57,112 54,066 53,016 75,366 71,407 70,35787* 59,418 56,256 55,206 78,410 74,299 73,24888* 61,723 58,446 57,395 81,451 77,188 76,13889* 64,341 60,933 59,883 84,908 80,472 79,42290* 66,962 63,424 62,373 88,365 83,756 82,70591* 69,582 65,912 64,861 91,823 87,042 85,99192* 72,201 68,400 67,350 95,279 90,325 89,27493* 74,822 70,891 69,840 98,738 93,610 92,56094* 77,573 73,504 72,454 102,370 97,061 96,01095* 80,327 76,120 75,069 106,001 100,511 99,46096* 83,165 78,816 77,766 109,808 104,127 103,07797* 85,922 81,435 80,384 113,446 107,583 106,53398* 88,676 84,051 83,001 117,085 111,040 109,990



40 41

Appendix 4 / Lampiran 4 / 附录4AnnualPremiumRatesforMALE,StandardLife–INSURED AND CHILD.KadarPremiumTahunanuntukLELAKI,HayatStandard–ORANG YANG DIINSURANSKAN DAN ANAK.标准风险受保人 (男性) 之年度保费率范例表 – 受保人和孩子。

Appendix 4 / Lampiran 4 / 附录4AnnualPremiumRatesforMALE,StandardLife–INSURED AND CHILD.KadarPremiumTahunanuntukLELAKI,HayatStandard–ORANG YANG DIINSURANSKAN DAN ANAK.标准风险受保人 (男性) 之年度保费率范例表 – 受保人和孩子。

MHE150 MHE200





RM0 RM500 RM5,000 RM0 RM500 RM5,0001-5 – – – – – –6-17 – – – – – –18-30 3,920 3,519 2,593 4,881 4,432 3,50631-40 3,688 3,337 2,547 4,594 4,198 3,40841-45 3,740 3,411 2,750 4,663 4,287 3,62646-50 4,202 3,854 3,199 5,235 4,835 4,18051-55 5,009 4,612 3,954 6,238 5,780 5,12256-60 6,113 5,665 5,064 7,615 7,091 6,49161-65 6,746 6,252 5,570 8,401 7,825 7,143

66 9,139 8,514 7,715 11,394 10,656 9,85767 9,139 8,514 7,715 11,394 10,656 9,85768 9,139 8,514 7,715 11,394 10,656 9,85769 9,619 8,965 8,142 11,995 11,221 10,39870 10,098 9,416 8,567 12,595 11,787 10,93971* 10,051 9,387 8,606 12,546 11,758 10,97772* 10,531 9,839 9,033 13,147 12,324 11,51873* 11,011 10,290 9,459 13,747 12,890 12,05974* 11,613 10,857 9,995 14,501 13,601 12,73875* 12,215 11,423 10,529 15,255 14,311 13,41876* 12,817 11,995 11,101 16,010 15,028 14,13577* 13,419 12,567 11,673 16,764 15,745 14,85178* 14,021 13,139 12,245 17,518 16,461 15,56779* 14,910 13,983 13,090 18,631 17,518 16,62480* 15,799 14,828 13,934 19,745 18,576 17,68381* 16,688 15,672 14,779 20,850 19,626 18,73382* 17,576 16,516 15,622 21,963 20,683 19,79083* 18,465 17,360 16,467 23,075 21,740 20,84684* 19,254 18,110 17,216 24,061 22,676 21,78385* 20,042 18,858 17,965 25,047 23,613 22,71986* 20,830 19,607 18,713 26,057 24,573 23,67987* 21,618 20,355 19,462 27,044 25,510 24,61788* 22,405 21,103 20,209 28,030 26,448 25,55489* 23,282 21,937 21,043 29,128 27,491 26,59790* 24,158 22,768 21,875 30,226 28,534 27,64091* 25,033 23,600 22,707 31,332 29,584 28,69092* 25,910 24,433 23,539 32,430 30,627 29,73393* 26,786 25,266 24,372 33,528 31,670 30,77694* 27,673 26,108 25,214 34,639 32,726 31,83295* 28,559 26,950 26,056 35,750 33,781 32,88896* 29,447 27,793 26,899 36,868 34,843 33,94997* 30,334 28,635 27,742 37,978 35,898 35,00498* 31,220 29,478 28,584 39,090 36,954 36,060






RM0 RM500 RM5,000 RM0 RM500 RM5,0001-5 – – – – – –6-17 – – – – – –18-30 5,787 5,293 4,367 7,607 7,022 6,09531-40 5,449 5,010 4,220 7,165 6,641 5,85041-45 5,531 5,112 4,451 7,277 6,771 6,11046-50 6,209 5,760 5,105 8,164 7,617 6,96251-55 7,394 6,878 6,220 9,720 9,088 8,43056-60 9,028 8,433 7,833 11,867 11,131 10,53061-65 9,961 9,307 8,625 13,094 12,283 11,601

66 13,520 12,675 11,876 17,790 16,731 15,93367 13,520 12,675 11,876 17,790 16,731 15,93368 13,520 12,675 11,876 17,790 16,731 15,93369 14,234 13,349 12,526 18,732 17,622 16,79970 14,948 14,023 13,174 19,677 18,515 17,66671* 14,900 13,994 13,213 19,631 18,488 17,70772* 15,615 14,669 13,862 20,574 19,380 18,57473* 16,330 15,343 14,512 21,519 20,273 19,44274* 17,227 16,190 15,327 22,702 21,391 20,52975* 18,124 17,036 16,143 23,888 22,512 21,61876* 19,024 17,892 16,998 25,079 23,644 22,75177* 19,921 18,744 17,850 26,264 24,769 23,87678* 20,819 19,597 18,703 27,448 25,895 25,00179* 22,143 20,854 19,961 29,199 27,558 26,66580* 23,468 22,113 21,219 30,949 29,221 28,32781* 24,777 23,356 22,463 32,667 30,853 29,95982* 26,101 24,615 23,721 34,415 32,513 31,62083* 27,424 25,871 24,978 36,163 34,174 33,28084* 28,598 26,987 26,093 37,712 35,645 34,75285* 29,771 28,101 27,208 39,263 37,118 36,22486* 30,992 29,261 28,367 40,911 38,684 37,79087* 32,168 30,378 29,485 42,465 40,160 39,26788* 33,343 31,495 30,601 44,018 41,636 40,74289* 34,649 32,735 31,842 45,746 43,278 42,38490* 35,957 33,978 33,084 47,474 44,919 44,02591* 37,280 35,234 34,341 49,232 46,589 45,69592* 38,587 36,476 35,583 50,960 48,231 47,33793* 39,895 37,719 36,825 52,690 49,874 48,98094* 41,218 38,975 38,082 54,439 51,535 50,64295* 42,542 40,234 39,340 56,189 53,198 52,30496* 43,876 41,501 40,607 57,960 54,881 53,98797* 45,201 42,759 41,866 59,711 56,544 55,65198* 46,524 44,017 43,123 61,462 58,208 57,314



42 43

Appendix 5 / Lampiran 5 / 附录5AnnualPremiumRatesforFEMALE,StandardLife–INSURED AND CHILD.KadarPremiumTahunanuntukPEREMPUAN,HayatStandard–ORANG YANG DIINSURANSKAN DAN ANAK.标准风险受保人 (女性) 之年度保费率范例表 – 受保人和孩子。

Appendix 5 / Lampiran 5 / 附录5AnnualPremiumRatesforFEMALE,StandardLife–INSURED AND CHILD.KadarPremiumTahunanuntukPEREMPUAN,HayatStandard–ORANG YANG DIINSURANSKAN DAN ANAK.标准风险受保人 (女性) 之年度保费率范例表 – 受保人和孩子。

MHE150 MHE200





RM0 RM500 RM5,000 RM0 RM500 RM5,0001-5 – – – – – –6-17 – – – – – –18-30 3,878 3,479 2,553 4,837 4,390 3,46431-40 3,724 3,372 2,581 4,647 4,248 3,45741-45 3,994 3,652 2,991 4,985 4,593 3,93346-50 4,477 4,115 3,460 5,582 5,164 4,50951-55 5,038 4,640 3,982 6,276 5,816 5,15856-60 6,402 5,939 5,338 7,961 7,420 6,81961-65 7,051 6,542 5,860 8,770 8,175 7,493

66 9,570 8,923 8,124 11,916 11,152 10,35367 9,570 8,923 8,124 11,916 11,152 10,35368 9,570 8,923 8,124 11,916 11,152 10,35369 10,084 9,406 8,583 12,560 11,759 10,93570 10,599 9,891 9,043 13,203 12,365 11,51671* 10,587 9,897 9,116 13,203 12,381 11,60072* 11,102 10,382 9,576 13,846 12,988 12,18273* 11,616 10,866 10,034 14,489 13,595 12,76474* 12,251 11,463 10,600 15,282 14,342 13,48075* 12,885 12,060 11,166 16,075 15,090 14,19676* 13,520 12,662 11,769 16,866 15,842 14,94877* 14,154 13,265 12,372 17,660 16,596 15,70278* 14,790 13,869 12,975 18,453 17,349 16,45679* 15,732 14,764 13,871 19,632 18,469 17,57580* 16,675 15,660 14,766 20,810 19,588 18,69581* 17,617 16,555 15,661 21,978 20,698 19,80482* 18,561 17,451 16,558 23,156 21,817 20,92483* 19,503 18,347 17,453 24,335 22,937 22,04384* 20,265 19,071 18,177 25,285 23,840 22,94685* 21,027 19,795 18,901 26,236 24,743 23,84986* 21,790 20,519 19,625 27,172 25,632 24,73987* 22,551 21,242 20,348 28,123 26,536 25,64288* 23,313 21,966 21,072 29,075 27,440 26,54689* 24,198 22,807 21,913 30,180 28,490 27,59690* 25,083 23,647 22,753 31,285 29,540 28,64691* 25,968 24,489 23,595 32,382 30,582 29,68892* 26,853 25,329 24,436 33,487 31,632 30,73893* 27,739 26,171 25,277 34,594 32,683 31,78994* 28,704 27,087 26,194 35,797 33,825 32,93295* 29,668 28,003 27,110 37,000 34,968 34,07596* 30,632 28,919 28,026 38,240 36,146 35,25397* 31,596 29,835 28,942 39,445 37,291 36,39898* 32,560 30,751 29,857 40,650 38,436 37,543






RM0 RM500 RM5,000 RM0 RM500 RM5,0001-5 – – – – – –6-17 – – – – – –18-30 5,739 5,247 4,321 7,555 6,973 6,04631-40 5,517 5,075 4,284 7,265 6,736 5,94541-45 5,921 5,482 4,821 7,799 7,267 6,60646-50 6,625 6,155 5,500 8,720 8,146 7,49151-55 7,442 6,923 6,265 9,783 9,148 8,49056-60 9,428 8,814 8,213 12,376 11,614 11,01361-65 10,388 9,713 9,031 13,638 12,800 12,118

66 14,127 13,252 12,453 18,567 17,470 16,67267 14,127 13,252 12,453 18,567 17,470 16,67268 14,127 13,252 12,453 18,567 17,470 16,67269 14,890 13,972 13,149 19,576 18,423 17,60070 15,655 14,694 13,846 20,583 19,376 18,52871* 15,666 14,722 13,941 20,620 19,428 18,64672* 16,432 15,445 14,638 21,628 20,381 19,57573* 17,197 16,167 15,336 22,636 21,334 20,50374* 18,140 17,058 16,195 23,881 22,511 21,64875* 19,083 17,947 17,054 25,124 23,686 22,79376* 20,023 18,841 17,947 26,363 24,863 23,97077* 20,967 19,737 18,843 27,605 26,043 25,15078* 21,909 20,632 19,739 28,848 27,224 26,33179* 23,310 21,963 21,069 30,697 28,981 28,08780* 24,711 23,294 22,400 32,544 30,735 29,84281* 26,090 24,604 23,710 34,349 32,451 31,55782* 27,490 25,934 25,040 36,194 34,203 33,31083* 28,889 27,264 26,370 38,039 35,956 35,06284* 30,019 28,337 27,443 39,530 37,372 36,47985* 31,151 29,412 28,519 41,020 38,787 37,89486* 32,249 30,455 29,562 42,444 40,141 39,24787* 33,378 31,528 30,634 43,934 41,556 40,66288* 34,508 32,601 31,708 45,422 42,970 42,07689* 35,820 33,848 32,954 47,150 44,611 43,71890* 37,134 35,096 34,202 48,880 46,254 45,36191* 38,430 36,327 35,434 50,580 47,870 46,97692* 39,743 37,574 36,680 52,308 49,511 48,61793* 41,056 38,822 37,928 54,037 51,154 50,26094* 42,484 40,179 39,285 55,920 52,942 52,04995* 43,913 41,536 40,642 57,802 54,730 53,83796* 45,418 42,966 42,072 59,837 56,664 55,77097* 46,850 44,326 43,432 61,724 58,456 57,56398* 48,280 45,685 44,791 63,612 60,250 59,356



44 45

Appendix 6 / Lampiran 6 / 附录6AnnualPremiumRatesforMALE & FEMALE,StandardLife–INSURED AND FAMILY.KadarPremiumTahunanuntukLELAKI & PEREMPUAN,HayatStandard–ORANG YANG DIINSURANSKAN DAN KELUARGA.标准风险受保人 (男性&女性) 之年度保费率范例表 – 受保人和家人。

Appendix 6 / Lampiran 6 / 附录6AnnualPremiumRatesforMALE & FEMALE,StandardLife–INSURED AND FAMILY.KadarPremiumTahunanuntukLELAKI & PEREMPUAN,HayatStandard–ORANG YANG DIINSURANSKAN DAN KELUARGA.标准风险受保人 (男性&女性) 之年度保费率范例表 – 受保人和家人。

MHE150 MHE200





RM0 RM500 RM5,000 RM0 RM500 RM5,0001-5 – – – – – –6-17 – – – – – –18-30 4,952 4,457 3,346 6,159 5,604 4,49331-40 4,975 4,527 3,559 6,193 5,684 4,71641-45 5,501 5,058 4,269 6,858 6,347 5,55846-50 6,458 5,968 5,155 8,048 7,478 6,66651-55 7,719 7,151 6,327 9,619 8,956 8,13256-60 9,882 9,209 8,468 12,325 11,530 10,78961-65 11,163 10,401 9,497 13,920 13,019 12,115

66 16,076 15,042 13,906 20,060 18,826 17,69067 16,076 15,042 13,906 20,060 18,826 17,69068 16,076 15,042 13,906 20,060 18,826 17,69069 17,070 15,978 14,791 21,304 19,999 18,81370 18,064 16,913 15,677 22,547 21,171 19,93571* 18,532 17,369 16,175 23,148 21,755 20,56172* 19,527 18,305 17,062 24,392 22,928 21,68473* 20,521 19,241 17,947 25,636 24,100 22,80674* 21,758 20,405 19,048 27,183 25,558 24,20275* 22,994 21,567 20,149 28,730 27,017 25,59876* 24,231 22,743 21,324 30,276 28,485 27,06677* 25,467 23,917 22,498 31,824 29,956 28,53778* 26,705 25,093 23,674 33,371 31,426 30,00779* 28,536 26,833 25,414 35,662 33,602 32,18380* 30,367 28,572 27,154 37,954 35,780 34,36181* 32,199 30,312 28,893 40,228 37,940 36,52182* 34,030 32,052 30,633 42,518 40,116 38,69783* 35,862 33,792 32,373 44,809 42,292 40,87384* 37,413 35,265 33,847 46,746 44,132 42,71385* 38,963 36,738 35,319 48,682 45,971 44,55286* 40,513 38,211 36,792 50,629 47,821 46,40287* 42,062 39,682 38,263 52,566 49,661 48,24288* 43,611 41,154 39,735 54,505 51,503 50,08489* 45,374 42,828 41,409 56,708 53,596 52,17790* 47,134 44,500 43,082 58,911 55,689 54,27091* 48,895 46,174 44,755 61,113 57,781 56,36292* 50,656 47,847 46,428 63,316 59,874 58,45593* 52,419 49,521 48,102 65,520 61,968 60,54994* 54,271 51,281 49,862 67,835 64,166 62,74895* 56,121 53,038 51,619 70,149 66,365 64,94696* 57,973 54,797 53,378 72,507 68,605 67,18697* 59,823 56,556 55,137 74,822 70,805 69,38698* 61,674 58,314 56,895 77,139 73,005 71,586






RM0 RM500 RM5,000 RM0 RM500 RM5,0001-5 – – – – – –6-17 – – – – – –18-30 7,295 6,683 5,572 9,578 8,851 7,74131-40 7,341 6,775 5,807 9,646 8,965 7,99741-45 8,136 7,561 6,773 10,704 10,001 9,21246-50 9,548 8,903 8,091 12,561 11,766 10,95351-55 11,408 10,656 9,831 15,004 14,072 13,24856-60 14,626 13,716 12,975 19,250 18,109 17,36861-65 16,519 15,489 14,585 21,739 20,447 19,543

66 23,816 22,395 21,259 31,364 29,566 28,42967 23,816 22,395 21,259 31,364 29,566 28,42968 23,816 22,395 21,259 31,364 29,566 28,42969 25,294 23,790 22,604 33,315 31,410 30,22370 26,773 25,186 23,949 35,267 33,255 32,01971* 27,502 25,891 24,697 36,256 34,207 33,01372* 28,982 27,288 26,044 38,208 36,053 34,80973* 30,462 28,685 27,391 40,161 37,899 36,60574* 32,303 30,422 29,066 42,588 40,194 38,83775* 34,142 32,159 30,740 45,017 42,490 41,07176* 35,983 33,907 32,488 47,448 44,799 43,38077* 37,824 35,656 34,237 49,875 47,104 45,68578* 39,664 37,404 35,986 52,302 49,411 47,99279* 42,389 39,993 38,574 55,902 52,830 51,41280* 45,114 42,582 41,163 59,499 56,247 54,82981* 47,802 45,136 43,717 63,023 59,595 58,17682* 50,527 47,724 46,305 66,615 63,008 61,58983* 53,249 50,310 48,891 70,208 66,421 65,00284* 55,553 52,499 51,080 73,248 69,309 67,89085* 57,858 54,689 53,270 76,288 72,197 70,77886* 60,177 56,891 55,472 79,360 75,116 73,69787* 62,482 59,081 57,662 82,404 78,007 76,58888* 64,787 61,271 59,852 85,446 80,897 79,47889* 67,405 63,758 62,339 88,902 84,181 82,76290* 70,027 66,249 64,830 92,359 87,464 86,04691* 72,646 68,737 67,318 95,818 90,750 89,33192* 75,265 71,225 69,806 99,273 94,033 92,61493* 77,887 73,716 72,297 102,732 97,319 95,90094* 80,638 76,329 74,910 106,364 100,769 99,35095* 83,391 78,945 77,526 109,996 104,219 102,80096* 86,230 81,641 80,223 113,803 107,836 106,41797* 88,986 84,260 82,841 117,441 111,292 109,87398* 91,740 86,876 85,458 121,080 114,749 113,330



46 47

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05/2020

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