Professional Documents
Culture Documents
A-Health Maximiser-i
PT120069/0315
Sebahagian dari
aiapublic.com.my
A-Health Maximiser-i
A-Health Maximiser-i
A-Health Maximiser-i
Mempertingkatkan
Perlindungan Perubatan
Anda Yang Sedia Ada
A-Health Maximiser-i berfungsi sebagai satu lapisan tambahan
perlindungan ke atas pelan perubatan anda yang sedia ada untuk
memaksimumkan tahap perlindungan anda.
Perlindungan
perubatan
tambahan dari
A-Health Maximiser-i
BIL PERUBATAN
ANDA
Perlindungan
perubatan dari
pelan perubatan
anda yang
sedia ada
Had pelan
perubatan
yang
sedia ada
A-Health Maximiser-i
A-Health Maximiser-i
Mempertingkatkan
Perlindungan Perubatan
Anda Yang Sedia Ada
Pelan ini berfungsi sebagai lapisan
tambahan kepada perlindungan
perubatan dan seterusnya sebagai
pelengkap ke atas perlindungan
perubatan anda yang sedia ada.
Kemasukan Ke hospital
Tanpa Tunai dengan
Surat Jaminan
A-Health Maximiser-i membolehkan
kemasukan di hospital tanpa banyak
masalah hanya dengan satu panggilan
- 1300 8888 60 / 70 bagi pengeluaran
Surat Jaminan2 kepada semua
hospital panel.
Program Bantuan
Perubatan Antarabangsa
Program Bantuan
Perubatan Domestik
Program
Bantuan Kereta4
Program
Bantuan Rumah4
Program Bantuan
Perjalanan4
Faedah yang dinyatakan di bawah Program REA tidak menyeluruh. Sila rujuk kepada Sijil Takaful anda untuk
maklumat yang lebih terperinci, pengecualian, terma-terma dan syarat-syarat. Sila ambil perhatian bahawa
AIA PUBLIC Takaful Bhd. berhak untuk mengubah mana-mana perkhidmatan dan/atau manfaat di bawah
Program REA dari masa ke semasa.
4
Perkhidmatan ini terbatas kepada khidmat rujukan sahaja. Kos bagi perkhidmatan sebenar ditanggung oleh anda
sendiri. Perkhidmatan ini tidak dijamin kerana ia disediakan oleh pihak ketiga dan penerusan perkhidmatan ini
tertakluk kepada perjanjian di antara AIA PUBLIC Takaful Bhd. dan penyedia perkhidmatan pihak ketiga.
3
A-Health Maximiser-i
A-Health Maximiser-i
Jadual Faedah
Pelan 1
(RM)
Faedah
100
150
200
300
500
b)
500
500
500
500
500
c)
PerkhidmatandanPerbekalanHospital
d)
Yuran Pembedahan
e)
Yuran Anestetik
f)
g)
b)
c)
d)
e)
f)
g)
h)
Pelan 2
(RM)
Pelan 3
(RM)
Pelan 4
(RM)
Pelan 5
(RM)
i)
Yuran Ambulan
j)
1,000
1,000
1,000
1,000
1,000
k)
1,000
1,000
1,000
1,000
1,000
500
500
500
500
500
Keseluruhan Had
Tahunan Sijil untuk
50,000
75,000
100,000
200,000
300,000
150,000
225,000
300,000
600,000 1,000,000
Pelan 1
(RM)
Pelan 2
(RM)
Pelan 3
(RM)
Pelan 4
(RM)
Pelan 5
(RM)
2,000
3,000
4,000
6,000
10,000
30,000
50,000
Amaun Deduktibel
Perlindungan Sendiri
Pelan 1
(RM)
l)
Faedah
Amaun
Deduktibel
Perlindungan
Sendiri Opsyen A
Umur Dicapai
Bawah 60
Amaun
Deduktibel
Perlindungan
Sendiri Opsyen B
Umur Dicapai
Bawah 60
Umur Dicapai
60 dan keatas
Umur Dicapai
60 dan keatas
Tiada
10,000
15,000
20,000
Tiada
Nota:
Amaun Deduktibel Perlindungan Sendiri ialah jumlah bayaran perbelanjaan yang dilindungi yang dikenakan dan telah
anda bayar setiap kali dimasukkan ke hospital sebelum faedah dibayar oleh Pengendali Takaful. Amaun Deduktibel
Perlindungan Sendiri hanya terpakai kepada perkara (a) hingga (h) bagi Penjagaan di Dalam Hospital.
**Sekiranya manfaat dilindungi di bawah Sijil ini adalah tertakluk kepada Cukai Barangan dan Perkhidmatan (GST),
manfaat yang perlu dibayar akan termasuk jumlah GST yang perlu dibayar bagi manfaat tersebut.
Sila rujuk kepada Helaian Pendedahan Produk dan Sijil Takaful bagi maklumat terperinci tentang faedah perlindungan.
A-Health Maximiser-i
Apakah Takaful?
A: A-Health Maximiser-i ialah pelan Takaful perubatan dan kesihatan yang berdiri sendiri,
bersyarat dan boleh diperbaharui yang menyediakan perlindungan komprehensif ke atas
caj perubatan dan kemasukan ke hospital bagi memenuhi keperluan perubatan anda pada
setiap masa. Ia melindungi anda sehingga usia 80 tahun.
Q:
Q:
A: Ya, Caruman yang dibayar bagi pelan ini melayakkan anda menikmati pelepasan cukai
peribadi sehingga RM3,000 bagi perlindungan Takaful pendidikan dan perubatan, tertakluk
kepada kelulusan akhir dari Lembaga Hasil Dalam Negeri Malaysia.
Q:
A: Anda mempunyai pilihan untuk membuat bayaran menerusi potongan gaji, kad kredit auto
debit (digalakkan) dan cek.
Q:
A: Caruman yang dibayar untuk A-Health Maximiser-i akan diagihkan untuk membayar yuran
Wakalah dan Tabarru. Sila rujuk kepada Helaian Pendedahan Produk untuk maklumat lebih
terperinci tentang yuran Wakalah dan Tabarru bagi pelan ini.
Q:
A: Sebarang Lebihan yang timbul dari PRF, Lebihan selepas tuntutan dan rizab akan dikongsi
oleh Pengendali Takaful dan Peserta menurut nisbah berikut:
A: Caruman untuk pelan ini tidak dijamin dan AIA PUBLIC berhak untuk menyemak semula
Caruman dengan memberi anda notis bertulis 30 hari menjelang ulangtahun Sijil
berikutnya. Faktor-faktor yang menyumbang kepada peningkatan dalam Caruman adalah
usia tertentu, pelan tertentu, pengalaman tuntutan, inflasi perubatan dan lain-lain lagi.
Peserta
50%
50%
Anda boleh merujuk kepada Helaian Pendedahan Produk untuk mengetahui lebih lanjut
tentang Kepentingan Pendedahan Maklumat, Tempoh Menunggu, Tempoh Bertenang
dan Tempoh Tangguh.
Q:
Pengendali Takaful
Q:
A: Ya. Caruman yang dibayar akan bergantung kepada umur dicapai Orang Dilindungi pada
setiap ulangtahun Sijil.
Q:
A-Health Maximiser-i
A: Sekiranya anda perlu membuat tuntutan, sila hubungi 03-2056 1111 dan rujuk kepada
Bahagian Corporate Solutions.
Q:
A-Health Maximiser-i
Adakah terdapat sebarang jumlah yang perlu saya bayar ketika keluar
hospital?
A: Bergantung kepada pelan dan opsyen Amaun Deduktibel Perlindungan Sendiri yang dipilih,
anda perlu menanggung Amaun Deduktibel Perlindungan Sendiri (jika ada) sepertimana
dinyatakan di dalam risalah ini. Anda juga perlu membayar untuk sebarang perkara yang
tidak dilindungi. Amaun Deduktibel Perlindungan Sendiri yang ditunjukkan berdasarkan
umur dicapai oleh Orang Dilindungi pada ketika tuntutan dibuat.
Q:
A: Tiada manfaat akan dibayar bagi sebarang khidmat berikut, produk atau keadaan atau
kecederaan yang disebabkan oleh:
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A-Health Maximiser-i
A-Health Maximiser-i
Q:
A: Penyiasatan dan rawatan berkaitan kehamilan termasuk melahirkan anak dan semua
komplikasi yang timbul darinya kecuali keguguran disebabkan oleh kemalangan
kenderaan, tertakluk kepada had-had; atau
Pembedahan pertukaran jantina dan terapi hormon jantina berkait dengan
pembedahan tersebut; atau
Berkhatan kecuali disebabkan keperluan perubatan; atau
Keadaan berkait dengan penyakit kelamin, AIDS dan Komplikasi Berkaitan AIDS atau
susulan darinya; atau
Terapi alternatif contohnya akupuntur, kiropraktik, osteopati, refleksologi dan lain-lain;
atau
Keadaan sedia ada pada tarikh berkuatkuasa atau tarikh pengembalian semula, yang
mana terkemudian; atau
Masalah psikotik, mental atau sistem saraf dan keadaan kelakuan termasuk sebarang
neurosis dan psikologi atau manifestasi psikosomatik; atau
Rawatan bagi Penyakit yang Ditentukan semasa tempoh 120 hari pertama dari tarikh
berkuatkuasa atau tarikh pengembalian semula, yang mana terkemudian; atau
Rawatan, terapi atau operasi pembedahan bagi penyakit bawaan atau keturunan,
kecacatan dan hilang upaya dan sebarang komplikasi perubatan yang timbul darinya;
atau
Penyakit yang terjadi dalam masa 30 hari dari tarikh berkuatkuasa atau tarikh
pengembalian semula, yang mana terkemudian; atau
Pembedahan atau rawatan kosmetik, atau rawatan akibat komplikasi darinya
(termasuk kelopak mata, akne, keloid dan lain-lain) kecuali diperlukan akibat
kecederaan kemalangan; atau
Penyakit atau hilang upaya kanak-kanak baru dilahirkan yang berlaku sebelum atau
semasa kelahiran atau dalam masa 14 hari selepas itu; atau
Pemeriksaan fizikal rutin, pemeriksaan kesihatan atau ujian yang tidak berkaitan
dengan insiden rawatan atau diagnosis ke atas hilang upaya yang dilindungi; atau
Rawatan bagi kecederaan yang dialami ketika melakukan jenayah atau berniat
melakukan jenayah, atau semasa di bawah pengaruh alkohol, narkotik, atau
bahan-bahan yang menjejaskan minda atau perbuatan mencederakan diri sendiri
samada waras atau tidak waras; atau
Bekalan cermin mata untuk pemulihan, atau kanta lekap kecuali pembedahan katarak
atau kecederaan mata semasa perlindungan Takaful atau sebarang bahan-bahan yang
berkaitan untuk memulihkan ketajaman penglihatan; atau
Sebarang rawatan bagi atau yang timbul akibat penyalahgunaan bahan-bahan seperti
alkohol, narkotik, dan lain-lain; atau
Penjagaan rawatan peribadi yang diatur sendiri oleh Orang Dilindungi atau
perkhidmatan berehat untuk penyembuhan yang disediakan oleh rumah
rehat/penjagaan semata-mata bagi tujuan pemulihan dan khidmat panggilan doktor ke
rumah bagi sebarang sebab; atau
Peralatan dan ubat-ubatan mencegah kehamilan, prosedur pemandulan, rawatan
komplikasi, pembalikan prosedur tersebut dan rawatan bagi meningkatkan atau
rawatan mati pucuk atau ketidaksuburan; atau
Sebarang pembedahan atau rawatan pergigian kecuali apabila perlu disebabkan oleh
kecederaan akibat kemalangan, tertakluk kepada had-had; atau
Kesan dari radiasi atau pencemaran akibat dari aktiviti radioaktif dari sebarang sumber;
atau
Perang, rusuhan, penentangan, pemberontakan, kekacauan awam, letupan senjata
perang, aktiviti keganasan, perang nuklear, aktiviti/peperangan menggunakan senjata
biologi dan kimia; atau
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A-Health Maximiser-i
Q:
A-Health Maximiser-i
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A-Health Maximiser-i
A-Health Maximiser-i
3. Anda perlu memastikan bahawa pelan ini adalah yang terbaik bagi memenuhi keperluan anda
dan bayaran Caruman yang perlu dibayar di bawah Sijil Takaful ini adalah jumlah yang anda
mampu. Sijil ini akan ditamatkan jika Caruman tidak dibayar dalam tempoh tangguh 30 hari dari
tarikh ia perlu dibayar.
4. Jika Sijil Takaful ini dibatalkan dalam masa 15 hari ketika tempoh bertenang, Caruman penuh
ditolak perbelanjaan perubatan (jika ada) akan dipulangkan. Sekiranya Caruman anda tidak
dibayar, Sijil anda akan luput selepas tempoh tangguh tersebut.
5. Anda perlu memastikan bahawa semua maklumat penting berkenaan Sijil Takaful dijelaskan
kepada anda dan anda memahami maklumat yang diberikan. Jika terdapat sebarang
kekaburan, anda perlu mendapatkan penjelasan dari AIA PUBLIC.
6. Jika anda telah menerima pampasan atau bayaran semula atas perbelanjaan perubatan yang
anda tanggung dari lain-lain insurans/Takaful, sebarang faedah pekerja atau sebarang program
atau undang-undang Kerajaan, manfaat yang akan dibayar adalah terhad kepada perbelanjaan
perubatan yang tidak dibayar sepenuhnya di bawah skim tersebut.
7. Bagi rawatan perubatan di luar Malaysia, Singapura dan Brunei, perbelanjaan perubatan
berhubung dengan rawatan tersebut hanya akan dibayar bagi rawatan kecemasan semasa
mengembara di luar negara jika perjalanan tidak melebihi 90 hari secara berterusan. Manfaat
yang dibayar bagi sebarang rawatan perubatan di luar Malaysia terhad kepada Caj yang Lazim
dan Munasabah sepertimana rawatan yang sama di Malaysia.
8. Jika Orang Dilindungi mendapatkan rawatan di luar negara, manfaat berhubung dengan
rawatan tersebut akan dilindungi tertakluk kepada pengecualian, had-had, dan syarat-syarat
yang dinyatakan di dalam pelan ini. Rawatan di luar negara bagi penyakit atau kecederaan yang
didiagnos di Malaysia, Singapura atau Brunei dan bukan kecemasan atau keadaan kronik di
mana rawatan boleh ditangguhkan sehingga kembali ke Malaysia adalah dikecualikan.
Risalah ini hanya mengandungi ringkasan tentang produk dan tidak menyeluruh. Bagi
penjelasan terperinci tentang manfaat, pengecualian, terma-terma dan syarat-syarat, sila
rujuk kepada Helaian Pendedahan Produk dan Sijil Takaful.
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A-Health Maximiser-i
A-Health Maximiser-i
A-Health Maximiser-i
Enhance Your
Existing Medical Coverage
A-Health Maximiser-i serves as an additional layer of coverage on top of
your existing medical plan to maximise your level of protection.
Additional
medical
coverage from
A-Health Maximiser-i
YOUR
MEDICAL BILL
Medical
coverage from
your existing
medical plan
Existing
medical
plan limit
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A-Health Maximiser-i
A-Health Maximiser-i
Here is what
A-Health Maximiser-i
can give you
Portable and Continuous
Medical Takaful Coverage
A-Health Maximiser-i is the Takaful
medical plan you can bring with you
when you leave your company, even
after you retire as it covers you till age
80.
Personalise Your
Healthcare Needs
Select from 5 attractive plans to suit
your healthcare needs with Room and
Board benefits ranging from RM 100 to
RM 500.
Each plan comes with 2 options of
Self-Covered Deductible Amount1.
At age 60, this Self-Covered Deductible
Amount shall be reduced to zero and
you shall enjoy full medical coverage
from the first Ringgit of claims.
Option to Protect
Your Loved Ones
You have the option to have your
spouse and / or children covered.
1
2
International Medical
Assistance Programme
Domestic Medical
Assistance Programme
Car Assistance
Programme4
Home Assistance
Programme4
Travel Assistance
Programme4
The benefits described under the REA Programme are not exhaustive. Please refer to your Takaful Certificate for
detailed benefits, exclusions, terms and conditions. Please note that AIA PUBLIC Takaful 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 you. 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 AIA PUBLIC Takaful Bhd. and the third party service provider.
3
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A-Health Maximiser-i
A-Health Maximiser-i
Schedule of Benefits
Benefits
Plan 1
(RM)
Plan 2
(RM)
Plan 3
(RM)
Plan 4
(RM)
Plan 5
(RM)
Self-covered deductible amount is only applicable to In-Hospital Care for items (a) to (h)
In Hospital Care
a)
100
b)
500
c)
d)
Surgical Fee
e)
Anaesthetic Fees
f)
g)
150
500
200
500
300
500
As charged,
subject to reasonable and customary
charges
500
500
Benefits
Plan 1
(RM)
Plan 2
(RM)
Plan 3
(RM)
Plan 4
(RM)
Plan 5
(RM)
Out-Patient Care
As charged,
subject to Reasonable and Customary
i)
Ambulance Fees
j)
1,000
1,000
1,000
1,000
1,000
k)
Emergency Out-Patient
Treatment
(maximum per disability)
1,000
1,000
1,000
1,000
1,000
l)
500
500
500
500
500
50,000
75,000
100,000
200,000
300,000
Lifetime Limit
150,000
225,000
300,000
600,000 1,000,000
Plan 1
(RM)
Plan 2
(RM)
Plan 3
(RM)
Plan 4
(RM)
Plan 5
(RM)
2,000
3,000
4,000
6,000
10,000
30,000
50,000
Out-Patient Care
a)
Pre-Surgical /
Medical Diagnostic Tests
(within 60 days)
b)
Pre-Surgical /
Medical Specialist Consultation
(within 60 days)
c)
d)
Post-Hospitalisation
Treatment (up to 60 days
maximum per disability)
e)
f)
Out-Patient Cancer
g)
h)
Daycare Procedure
Self-Covered
Deductible Amount
Self-Covered
Deductible
Option A
As charged,
subject to Reasonable and Customary
Charges
Self-Covered
Deductible
Option B
Below
Attained Age 60
Attained Age 60
and above
Below
Attained Age 60
Attained Age 60
and above
NIL
10,000
15,000
20,000
NIL
Note:
The self-covered deductible amount is the monetary amount of covered expenses that must be incurred and paid by the
Person Covered during each hospitalisation before benefits are payable by AIA PUBLIC Takaful Bhd. The self-covered
deductible amount is only applicable to In-Hospital Care for items (a) to (h).
**In the event that the benefits covered under this Certificate are subject to the GST, the benefits payable shall be
inclusive of the GST amount payable on such benefit.
Please refer to the Product Disclosure Sheet and Takaful Certificate for full details of the benefit coverage.
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A-Health Maximiser-i
A-Health Maximiser-i
Q:
A: You have the option to make payment via salary deduction, credit card auto-debit (preferably)
and cheque.
Q:
Q:
A: Yes. The Contribution payable will depend on Person Covereds attained age at each
Certificate anniversary.
Q:
A: The Contributions for this plan is not guaranteed and AIA PUBLIC reserves the right to
revise the Contributions by giving you 30 days written notice prior to the next Certificate
anniversary. Factors contributing to the increase in Contributions are age specific and
plan specific, claims experience, medical inflation, etc.
Q:
A: Yes, the Contributions paid for this plan may qualify you for a personal tax relief of up to
RM 3,000 for medical and education Takaful coverage, subject to the final decision of
the Inland Revenue Board of Malaysia.
A: Any Surplus arising from the PRF, the Surplus, after claims payable and reserves, will be
shared by the Takaful Operator and Participant according to the following ratios:
Surplus in PRF
A: Individuals and their dependants between the age (nearest birthday) of 14 days to 59
years old can apply for A-Health Maximiser-i. Acceptance however is subject to
underwriting.
A: Contribution paid for A-Health Maximiser-i will be allocated to pay for Wakalah fee and
Tabarru. Please refer to Product Disclosure Sheet for more details about the Wakalah fee
and Tabarru for this plan.
Q:
Q:
What is Takaful?
A: Takaful is a mutual assistance scheme based on the principles of solidarity, brotherhood, and cooperation. Each participant agrees to contribute on the basis of Tabarru
(donation) into a fund, namely the Participants Risk Fund (PRF) which will be used to
assist each other in times of need. AIA PUBLIC Takaful Bhd. (AIA PUBLIC) as a
Takaful Operator is entrusted to properly invest and manage this fund in accordance
with the investment strategy that complies with Shariah principles.
Q:
Q:
Takaful Operator
Participant
50%
50%
What other key terms and conditions that I should be aware of?
A: You can refer to the Product Disclosure Sheet to know more about the Importance of
Disclosure, Waiting Period, Free-Look Period and Grace Period.
Q:
A: Should you need to make a claim, please contact 03 - 2056 1111 and refer to Corporate
Solutions Division.
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Q:
A-Health Maximiser-i
A-Health Maximiser-i
A: Depending on the plan and Self-Covered Deductible Amount option chosen, you will
have to bear the Self-Covered Deductible Amount (if any) as given in this brochure. You
will also have to pay for any uncovered items. The Self-Covered Deductible Amount
indicated is based on the attained age of the Person Covered at the point of claim.
Q:
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A-Health Maximiser-i
A-Health Maximiser-i
Q:
A: No benefit shall be payable for any of the following services, products or conditions or
injuries resulting from:
The treatment of Specified Illnesses during the first 120 days from the effective date or
date of reinstatement, whichever is later; or
Any process solely for the determination of eye refraction and the correction of the same
by radial keratotomy, orthoptic or visual training or by any other means; or
Illness or disease occurring within 30 days from the effective date or date of
reinstatement, whichever is later; or
Supply of corrective glasses, or contact lens except for cataract surgery or eye injury
while covered or any associated material for correction of visual acuity; or
Any dental treatment or surgery except when required due to an injury sustained in an
accident, subject to its limitations; or
Care and treatment that is experimental, investigative and not according to accepted
professional standards and care that is not medically necessary; or
Treatment for injuries sustained while committing a crime or felony, or while under the
influence of alcohol, narcotics, or mind altering substance or injuries which are self
inflicted while sane or insane; or
Any treatment for or arising from substance abuse such as alcohol, narcotics, etc. ; or
Private nursing care engaged by Person Covered or services for rest cure provided by
rest/nursing home for purely recuperative purposes and house calls by doctors for any
reason; or
Contraceptive medications and devices, sterilisation procedures, treatment for
complications, reversal of such procedures and the work up or treatment of sexual
dysfunction or infertility; or
Investigation and treatment relating to pregnancy including childbirth and all
complications arising therefrom except for miscarriage due to motor vehicle accident,
subject to its limitations; or
Sex transformation surgery and sex hormone therapy related to such surgery; or
Any circumcision unless medically necessary; or
Conditions related to sexually transmitted diseases, AIDS and AIDS Related Complex or
its sequelae; or
War, riot, rebellions, insurrection, civil commotion, explosion of war weapons, terrorism
related activity, nuclear war, biological and chemical warfare / activities; or
Outpatient physical therapy or physiotherapy; or
Outpatient rehabilitation therapy, chronic illness; or
Expenses incurred for donation of any body organ by the Person Covered and costs of
acquisition of the organ including all costs incurred by the donor during organ transplant
and its complications.
Note: This list is not exhaustive. Please refer to the Takaful Certificate for the full list of exclusions.
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A-Health Maximiser-i
A-Health Maximiser-i
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A-Health Maximiser-i
12. It may not be advantageous to switch from one medical and health plan to another, as you may be
subject to new underwriting guidelines, full waiting period and any applicable period for the
exclusion of specified illnesses / pre-existing conditions of the new Certificate.
2. This brochure provides a summary of the main features of this product. It does not constitute a
Takaful Certificate. Please refer to the Takaful Certificate for more details or exact terms and
conditions.
3. You should satisfy yourself that this plan will best serve your needs and that the Contribution
payable under this Takaful Certificate is an amount you can afford. The Certificate will be
terminated if Contributions are not paid within the 30 days grace period from the due date.
4. If this Takaful Certificate is cancelled within the 15 days free look period, the full Contribution less
medical expenses (if any) will be refunded. In the event of non-payment of your Contribution, your
Certificate shall lapse after the grace period.
5. You should ensure that important information regarding the Takaful Certificate is disclosed to
you and that you understand the information disclosed. Where there is ambiguity, you should
seek clarification from AIA PUBLIC.
6. If you have received the compensation or reimbursement of the medical expenses incurred from
any other medical Takaful / insurance, any employee benefits or any Government law or
program, the benefit payable shall be limited to those medical expenses which are not fully
reimbursed under such scheme.
7. For medical treatment outside Malaysia, Singapore and Brunei, the medical expenses in respect
of such treatment shall be payable only for the emergency treatment while traveling overseas for
not more than 90 consecutive days. The benefit payable for any medical treatments outside
Malaysia shall be limited to the Reasonable and Customary Charges for such equivalent
treatment in Malaysia.
8. If the Person Covered seeks treatment overseas, benefits in respect of the treatment shall be
covered subject to the exclusions, limitations and conditions specified in this plan. Overseas
treatment of a disease, sickness or injury which is diagnosed in Malaysia, Singapore or Brunei
and non-emergency or chronic conditions where treatment can reasonable be postponed until
return to Malaysia are excluded.
9. You may refer to the Family Takaful info booklet on "Medical and Health Takaful" or visit
www.insuranceinfo.com.my.
10. For a guide on what to consider before participating in this plan, please request for a copy of the
plans Product Disclosure Sheet from your AIA Life Planner/Corporate Solutions marketing
representative.
11. AIA PUBLIC reserves the right to amend the terms and provisions of this product. Changes will
be applicable from the next renewal and AIA PUBLIC will notify you in writing at least 30 days
before the change is made.
14. 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 contribution amount payable.
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 Product
Disclosure Sheet and Takaful Certificate.
24
25
A-Health Maximiser-i
A-Health Maximiser-i
Apendiks / Appendix
A-Health Maximiser-i
Kadar Caruman Tahunan /
Annual Contribution
Umur / Age
Pelan 1 / Plan 1 Pelan 2 / Plan 2 Pelan 3 / Plan 3 Pelan 4 / Plan 4 Pelan 5 / Plan 5
(RM)
(RM)
(RM)
(RM)
(RM)
Pelan 1 / Plan 1 Pelan 2 / Plan 2 Pelan 3 / Plan 3 Pelan 4 / Plan 4 Pelan 5 / Plan 5
(RM)
(RM)
(RM)
(RM)
(RM)
05
185.50
205.64
217.30
240.62
307.40
6 15
149.46
161.12
172.78
191.86
204.58
16 21
164.30
171.72
177.02
187.62
209.88
22 29
178.08
189.74
202.46
227.90
262.88
30 39
190.80
215.18
237.44
257.58
318.00
40 49
271.36
291.50
340.26
376.30
513.04
50 54
356.16
377.36
404.92
432.48
580.88
05
488.66
537.42
554.38
607.38
791.82
55 59
469.58
515.16
602.08
687.94
1,000.64
6 15
341.32
350.86
399.62
431.42
480.18
60 64*
2,430.58
2,954.22
3,402.60
4,958.68
7,226.02
16 21
358.28
373.12
436.72
472.76
506.68
65 69*
3,494.82
5,016.98
5,784.42
8,452.44
12,339.46
22 29
375.24
452.62
524.70
576.64
679.46
70 74*
4,471.08
6,428.90
7,413.64
10,841.68
15,836.40
30 39
450.50
524.70
597.84
651.90
772.74
75 79*
5,448.40
7,838.70
9,043.92
13,230.92
19,334.40
40 49
703.84
831.04
1,012.30
1,076.96
1,355.74
50 54
986.86
1,062.12
1,139.50
1,216.88
1,526.40
55 59
1,292.14
1,433.12
1,593.18
1,754.30
2,396.66
60 64*
2,430.58
2,954.22
3,402.60
4,958.68
7,226.02
65 69*
3,494.82
5,016.98
5,784.42
8,452.44
12,339.46
70 74*
4,471.08
6,428.90
7,413.64
10,841.68
15,836.40
75 79*
5,448.40
7,838.70
9,043.92
13,230.92
19,334.40
Nota / Note
Sila maklum bahawa bermula 1 April 2015, Cukai Barangan dan Perkhidmatan (GST) akan dikenakan pada kadar semasa
di atas jumlah caruman yang perlu dibayar. / 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 contribution amount payable.
Caruman yang ditunjukkan termasuk Cukai Barangan dan Perkhidmatan (GST), ketika ini pada 6%. dan adalah
bergantung kepada umur yang dicapai oleh Orang Dilindungi iaitu umur terdekat dengan tarikh lahir Orang Dilindungi pada
setiap ulang tahun sijil. / The contribution indicated is plus Goods and Services Tax (GST), currently at 6% and is based on the
attained age of the Person Covered which shall be the age at the nearest birthday of the Person Covered at each certificate
anniversary.
Caruman tidak dijamin dan akan berubah-ubah menurut umur dicapai Orang Dilindungi. / Contributions are not
guaranteed and will vary according to the attained age of the Person Covered.
26
AIA PUBLIC Takaful Bhd. (AIA PUBLIC) dimiliki bersama oleh AIA Co. Ltd. (AIA), Public Bank
Berhad (PBB) dan Public Islamic Bank Berhad (anak syarikat milik penuh PBB).
Ditubuhkan pada 11 Mac 2011, AIA PUBLIC menggunakan kedudukan AIA dan Kumpulan
PBB sebagai peneraju di samping infrastruktur dan rangkaian pengedaran di dalam
industri insurans dan perbankan yang kukuh bagi memacu pertumbuhan dan
meningkatkan penembusan Takaful Keluarga di dalam pasaran domestik.
AIA PUBLIC komited dalam menawarkan penyelesaian Shariah yang tepat bagi memenuhi
keperluan yang berbeza pada setiap peringkat kehidupan pelanggan-pelanggan kami.
AIA PUBLIC Takaful Bhd. (AIA PUBLIC) is jointly owned by AIA Co. Ltd. (AIA), Public Bank
Berhad (PBB) and Public Islamic Bank Berhad (a wholly-owned subsidiary of PBB).
Incorporated on 11 March 2011, AIA PUBLIC leverages on AIA and PBB Groups leadership
positions as well as established infrastructure and distribution networks in the insurance
and banking industries to drive growth and increase the Family Takaful penetration in the
domestic market.
Sekiranya anda mempunyai pertanyaan lanjut, sila hubungi Perancang Hayat AIA / Wakil Corporate
Solutions AIA yang Disahkan:
If you have any further queries, kindly contact your AIA Life Planner / AIA Corporate Solutions
Authorised Representative at:
AIA PUBLIC is committed to offering the right Shariah solutions to meet the different life
stages needs of our customers.