Plan Coverage

Insured Benefits(RM)
Package A

Package B

Package C

Package D

200

300

A) Benefits before age 70 years old next birthday

a) Hospital Room & Board (Limit per Day subject
to a maximum of 180 days for insured benefits
(a) & (b)

100

b) Intensive Care Unit (ICU) (limit per day subject

to a maximum of 180 days for insured benefits
(a) & (b)

150

Reasonable & customary charges

c) Hospital Supplies & Services, Day Care

Benefit, Surgical Expenses, Organ Transplant,
Pre- & Post-Hospitalisation Treatment

Reasonable & customary charges, subject to coinsurance (10% of eligible medical expenses, max
RM500)

d) Emergency Accident Outpatient Treatment

2,000

3,000

4,000

6,000

e) Outpatient Cancer Treatment (per lifetime

limit)

13,000

20,000

26,000

40,000

f) Outpatient Kidney Dialysis Treatment

30,000

40,000

50,000

70,000

g) Annual Overall Limit

60,000

90,000

120,000

180,000

h) Lifetime Overall Limit

200,000

300,000

400,000

600,000

i) Government Hospital Daily Cash Allowance

(per day)

RM50 per day (max 120 days)

In accordance with benefit provision in Executive Second
Opinion

j) Executive Second Opinion

k) Supreme Assist (Emergency Assistance
Services)

In accordance with benefit provision in Supreme Assist

Agreement

B) Benefits at age 70 years old next birthday and above

Medical Care Benefit (hospital R&B, ICU,
Hospital Supplies & Services, Chemotherapy &
Radiotherapy, Outpatient Surgery, Pre- & PostAs charged, subject to annual overall limit of 20% of
Hosp treatment, Emergency Acc O/Patient
current sum assured and lifetime overall limit of 100% of
Treatment, Traditional Medical Treatment, Dental
current sum assured
& Vision Care, Medical Equipment-hearing aid,
wheel chair, walking aid)

Home Care Benefit (requires assistance to

perform any of the activities of Transfer, Mobility,
Continence, Dressing, Bathing/Washing, Eating)

Lump sum payment, subject to annual overall limit of

20% of current sum assured and lifetime overall limit of
100% of current sum assured

C) Benefits throughout the policy term

Original Sum Assured (Death, TPD, Terminal
Illness & Maturity Benefit)

25,000

50,000

75,000

75,000

Max Current Sum Assured (Sum assured

increases 10% every year until maximum of
100% after 10th year)
(Policy will be auto-terminated once total claims
amount reaches 100% of the Current Sum
Assured)

50,000

100,000

150,000

150,000

Current sum assured less CLAIMED Medical Care Benefit

and Home Care Benefit, if any

Premium (A & B) at Entry Age: Increases every 5 years

Premium (C) at Entry Age: Guaranteed will not increase
ALL Premiums are payable until age 69 next birthday
Age at Entry (pls get ACTUAL Premium from your Agent) (Male, Non-Smoker, Class 1 & 2)
Female Premium is slightly cheaper than Male Premium
1
941.50
5
979.00
10
866.50
15
873.75
20
950.00
25
1,045.25
30
1,180.25
35
1,366.50
40
1,722.75
45
2,246.25
50
3,036.50
55
4,003.75
60
6,072.00
65 (renewal only)
6,717.00
70 (renewal only)
7,050.00

1,393.00
1,468.00
1,361.00
1,419.50
1,572.00
1,770.50
2,040.50
2,414.00
3,067.50
4,035.50
5,520.00
7,397.50
11,344.00
12,211.00
12,665.00

1,810.50
1,923.00
1,831.50
1,945.25
2,174.00
2,472.75
2,876.75
3,438.50
4,383.25
5,787.75
7,956.50
10,740.25
16,548.00
17,599.00
18,150.00

Surrender Value is available (please refer to ACTUAL Quotation from the Agent)
Maturity Benefit is payable upon age 100 at the amount of MAX Current Sum Assured
For a detail quotation, please contact: quange21@gmail.com
Website: http://kclau.com

2,136.50
2,249.00
2,065.50
2,144.25
2,373.00
2,672.75
3,075.75
3,640.50
4,639.25
6,120.75
8,382.50
11,221.25
17,213.00
18,664.00
19,429.00