Open A-Life Medik Famili

A-Life Medik Famili
An All-In-One Medical Plan

For You and Your Family
AIA PUBLIC Takaful Bhd. confidential and proprietary information. Not for distribution.
A-Life Medik Famili_V4.0_15.08.2018
Disclaimer
For internal staff and agent training only.

This document is not a marketing material and cannot be
used for circulation to prospects. It serves only as a
training guide to the agent in the selling concept of the
products mentioned. In the actual selling process, the
customer’s needs, affordability and preference must be
considered to deliver fair value to the customer. The
detailed product benefits and cost must be explained to
help customers make informed decisions. Only AIA
PUBLIC authorized marketing materials are to be used
when prospecting.
It is COMPULSORY for all Life
Planners to attend the A-Life
Medik Famili’s product training or
e-learning before you can start to
distribute the plan.
ATTEND the product training
TODAY.
START to distribute TOMORROW!
2
Hi! I’m Azah. Your Trusted
AIA Life Planner…and
I am excited to share with
my prospects the
importance of Takaful
today.
Let’s go!
I am meeting 3 prospects today
with different backgrounds and
income levels
En Rizal, 45, En Azman, 38, En Saiful, 23,

Business owner Banker Administration Officer
4
I have extra money that I would
like to save. What are the
products that you have for me?
We can offer you to save in A-Life

Signature-i or A-Enrich Gold-i.
En Rizal, 45, Business owner
5
I need a comprehensive
protection for myself. Do you
have a complete solution for me?
Our A-LifeLink-i is one of the

most comprehensive protection
plan. I believe this will suit you.
En Azman, 38, Banker
6
I need a medical plan. Do you
have any affordable plan that
suits me?
Of course En Saiful! We have the

right plan that you are looking
for. It is called A-Life Medik
Famili.
En Saiful, 23, Administration

Officer
7
A-Life Medik Famili
Insert Brochure cover
8
Can you please explain to me
more about A-Life Medik
Famili?
Yes of course. Let me share

with you the features and
benefits of A-Life Medik Famili.
9
A-Life Medik Famili provides you with
Covers Up To
100 Years Old Affordable
Comprehensive
Medical Plan Family
with Plan
Enhanced Benefit
That’s great! What would the
medical coverage be for this
plan?
The medical plan is

comprehensive. Let me show you
the table of benefits.
11
Comprehensive Medical Plan
Covers Up To
Comprehensive
Medical Plan Family
with Plan
Enhanced Benefit
Benefit Description Plan 150

Annual Limit RM 150,000
Lifetime Limit No Lifetime Limit

Deductible Amount (Applicable for Item 1 to 3) RM 300 per disability
In-Hospital Care
1. Hospital Room & Board (R&B) RM 150
(up to 150 days per year)
2. ICU (up to 150 days per year)
3. In- Hospital Related Fees

• Hospital Supplies and Services
• Surgical Fees As Charged, subject to Annual Limit
• Operating Theatre Fees
• Anaesthetist’s Fees
• In-Hospital Physician’s visit (up to 2 visits per day per
Physician)
• Daily Guardian (for both junior and seniors)
In-Hospital Care
4. Pre-Hospitalisation
(within 60 days before hospitalisation)
• Diagnostic Tests
• Specialist Consultation
• Medication and Treatment
As Charged, subject to Annual Limit

5. Post-Hospitalisation
(within 150 days after hospitalisation)
• Out-Patient Diagnostic X-ray and Lab Tests Not subject to Deductible
• Medical Expenses and Consultation
• Out-Patient Physiotherapy and Traditional Alternative
Treatment
Out-Patient Care Not subject to Deductible
6. Out-patient Kidney Dialysis and Cancer Treatment RM300,000 per lifetime

(on top of Annual Limit)
7. Day Care Procedure and Surgery
8. Emergency Accidental Out-patient Treatment As Charged, subject to Annual Limit

(inclusive of Dental Treatment) and 30 days Follow-up
Treatment
9. Home Nursing Care RM3,000 per confinement

(up to 180 days per lifetime)
10. Emergency Medical Evacuation and Repatriation Up to USD 1 million

(per event)
with Enhanced Benefit
We have also enhanced our

benefits from A-Life MedRegular-i
16
Item A-Life Med Regular-i A-Life Medik Famili
Plan 150, Plan 200 &
Room and Board
Plan 250
Plan 150
Room and Board Max 120 days per year Max 150 days per year
ICU Max 120 days per year Max 150 days per year
We only have one plan, Plan 150.

For A-Life MedRegular-i, more than
80% customers chose Plan 150
Room and Board and ICU has been

increased to a maximum of 150
days each per year
17

2 visits per day
In-hospital physician 2 visits per day,
visit max 240 per year per physician,
no max limit per year
We cover In-hospital physician visit
up to 2 visits per day per physician.
There is No Maximum Limit per
year
Ex:
4 Visits
per day
2 Visits 2 Visits
18

Max 150 days,
Max 120 days,
for child below 15 years old and
Daily Guardian Benefit for child below 15 years old,
RM 90 per day senior citizens above 60 years old,
As charged
Juniors < 15 years old Seniors > 60 years old
1 guardian at a time
19
Pre-hospitalisation Limit RM300 per disability As Charged
Post-hospitalisation Within 120 days Within 150 days
You get better care, before and

after your hospitalisation
20
Out-patient Limit RM4,000 per year, As Charged,

physiotherapy and within 60 days after within 150 days
acupuncture hospitalisation
after hospitalisation
Out-Patient Physiotherapy and

Acupuncture is covered As Charged and is
within 150 days after hospitalisation
We have also added 5 more alternative

treatment:
Homeopathy Chiropody Osteopathy Herbal Therapy Chiropractic

(for Cancer)

Emergency Accidental Limit RM2,000 per
Out-patient Treatment accident
As Charged
Emergency Accidental
Limit RM3,000 per
Out-patient Dental
accident
As Charged
Treatment
We have removed the limits for

both Emergency Accidental
treatment. We now cover you As
Charged
22

Annual Limit RM100,000 RM150,000
Our Annual Limit has been

increased to RM 150,000!
23
Deductible

Annual Limit RM 150,000
Lifetime Limit No Lifetime Limit

Deductible Amount (Applicable for Item 1 to 3) RM 300 per disability
I noticed you have

Deductible. What is it?
Deductible is a fixed amount of

RM300 that must be paid by
Person Covered or Covered
Member per Disability* for
Room and Board, ICU and In-
Hospital related fees
Deductible
Hmm.. Then what is “Per

Disability”?
*Per Disability is if you seek

treatments for the same cause,
including any and all
complications, then it will be
considered as the same disability.
Let me give you a few examples.
How Deductible Works?
Scenario 1:
Revised
Hospitalised due to Gastritis
Treatment cost: Treatment cost:

Treatment cost:
RM 8,000 RM 1,000
RM 500
Customer Pays: Customer Pays:
Customer Pays:
RM 300 RM 0
RM 0
Total Bill = RM9,500
Pre- Post-
Hospitalisation Hospitalisation
Hospitalisation AIA PUBLIC:
RM 9,200
1 Oct 2019 20 Nov 2019 10 Dec 2019
Discharged
27 Nov 2019 Customer Pays:
RM 300
Customer only pays RM 300

because pre-hospitalisation and
post-hospitalisation is not
subject to deductible
Scenario 2:
Revised
Hospitalised due to ACL (Anterior Cruciate Ligament) Injury
Treatment cost: Treatment cost: Treatment cost:

RM 25,000 RM 5,000 RM 2,000
Customer Pays: Customer Pays: Customer Pays:
RM 300 RM 0
RM 0 Total Bill = RM34,000
Hospitalisation Post-
Hospitalisation
Hospitalisation AIA PUBLIC:
RM 33,700
1 Mar 2019 2 Jun 2019 22 Jun 2019
Discharged Discharged Customer Pays:
7 Mar 2019 7 Jun 2019
RM 300
85 days
Customer only pays RM300 for the

whole treatment because the second
hospitalisation is due to the same
cause and is within 90 days from the
last date of discharge.
Scenario 3:
Revised
Hospitalised due to Angiogram
Treatment cost: Treatment cost: Treatment cost:

RM 15,000 RM 2,000 RM 5,000
Customer Pays: Customer Pays: Customer Pays:
RM 300 RM 0 RM 300
Total Bill = RM22,000
Post -
Hospitalisation Hospitalisation Hospitalisation AIA PUBLIC:
RM 21,400
11 Sept 2019 20 Oct 2019 22 Dec 2019
Discharged
20 Sept 2019 Customer Pays:
93 days RM 600
Customer needs to pay RM 600 as the

second hospitalisation claim is done
after 90 days.
Scenario 4:
Hospitalised due to Dengue Fever and Viral Fever Total Bill for Dengue
Fever: RM4,000
AIA PUBLIC:
Treatment cost: Treatment cost: RM 3,700
RM 4,000 RM 3,000
Customer Pays: Customer Pays:
RM 300 RM 300 Customer Pays:
RM 300
Hospitalisation due Hospitalisation due to
to Dengue Fever Viral Fever
5 Sept 2019 2 Nov 2019

47 days
Total Bill Viral Fever:
Discharged Discharged
12 Sept 2019 8 Nov 2019 RM 3,000
AIA PUBLIC:
RM 2,700
Customer needs to pay RM600
because treatment is for two Customer Pays:
different causes, one for Dengue RM 300
Fever and the other is for Viral
Fever.
Scenario 5:
Day Care Procedure for Cataract Surgery
Treatment cost:
RM 2,500
Customer Pays:
RM 0
Total Bill
AIA PUBLIC:
RM 2,500
1 Dec 2019
Customer Pays:
RM 0
Customer does not need to pay
any amount of deductible as
Out-Patient Care is not subject
to Deductible.
Now I understand what
deductible is. So, how long will
I be covered under this plan?
The coverage of this plan is up to

100 years old.
Covers Up To 100 Years Old
Covers Up To
Comprehensive
Medical Plan Family
with Plan
Enhanced Benefit
Covers Up To 100 Years Old
A-Life Medik Famili provides you the medical coverage up to age 100.
Coverage Age
Dependent Child Person Covered / Spouse
As early as 14 days old
23 years old
100 years old
That’s interesting. You also
mentioned about Family Plan.
Can you explain more?
Family plan is an option for you to cover

your whole family, at an affordable price.
34
Family Plan
Covers Up To
Comprehensive
Medical Plan Family
with Plan
Enhanced Benefit
Family Plan
Here are the

If you are single If you are married If you have children
options based
on your status. Person Person Covered Person Covered
Covered & Spouse & Child(ren)
For your whole family
More importantly, the Limit is NOT Person Covered

shared. That means, each member in & Family
the family will have their own annual
limit.
How much is my contribution
for this plan?
Affordable
Covers Up To
Comprehensive
Medical Plan Family
with Plan
Enhanced Benefit
Affordable
Person Person Covered & Person

Person Covered
Covered & Children Covered &
Age
Female Male Spouse Female Male Family
RM RM RM RM RM RM
0-2 1,650 1,650 - - - -
3-5 1,392 1,392 - - - -
6-10 972 1,068 - - - -
11-15 852 924 - - - -
16-20 804 984 1,812 4,668 4,848 5,652
21-25 876 1,080 1,992 4,740 4,944 5,820
26-30 948 1,164 2,112 4,812 5,028 5,976
31-35 996 1,188 2,184 4,860 5,052 6,048
36-40 1,152 1,188 2,352 5,016 5,052 6,204
41-45 1,428 1,428 2,940 5,292 5,292 6,720
46-50 1,884 1,728 3,840 5,748 5,592 7,476
51-55 2,232 2,088 4,716 6,096 5,952 8,184
56-60 3,420 3,312 7,440 7,284 7,176 10,596
61-65 5,280 5,316 11,760 9,144 9,180 14,460
66-70 8,436 8,808 18,648 12,300 12,672 21,108
Note: Please refer to product brochure for full contribution rate. Contribution will increase as your age increase
Affordable
Let’s see some examples for you, En

Saiful, age 23 who is a non-smoker with
standard health, with an annual
contribution of RM 1,080.
Payment
Multiply Annual Contribution
Payment Mode Frequency
Contribution by (RM)
(RM)
Annual 1.0 1,080.00 1,080.00
Semi-Annual 0.515 556.20 1,112.40
Quarterly 0.2575 278.10 1,112.40
Monthly 0.087 93.96 1,127.52
As you can see, the total amount

that you pay for annual payment
mode is lower than other
frequency.
Affordable Family Plan
* Waiting period applies for new

additional life
* No new waiting period for existing
Two Years Later life
Saiful, 23 years old,

participates in A-Life He marries Ana and includes* her
Medik Famili. in his A-Life Medik Famili plan.
Both have equal coverage amount.
Saiful only: Saiful & Ana: One Year
RM93.96 monthly RM173.30 monthly Later
Let me explain further

how this plan evolves
with your life stages. One Year
Later
Saiful and Ana have twins! The new-borns Saiful and Ana welcomes their
are automatically covered under his A-Life first child. He then upgrades his
Medik Famili plan. No underwriting2 and plan to include* their baby boy.
additional contribution needed.
Saiful & Family:
Saiful & Family:
RM519.91 monthly
RM519.91 monthly
Note:
1. The above example is based on male, non smoker, entry age at 23 years old and has standard health.
2. Provided that the babies are registered with AIA PUBLIC within 90 days after birth.
3. The Family plan provides coverage for maximum of 4 dependent children under one plan.
How does Family Plan works
Conversion
a) Person Covered and Family Plan b) Person Covered and Children Plan /
Person Covered and Spouse Plan
• If the Person Covered pass away, the surviving
spouse and children will be allowed to convert to new • If the Person Covered pass away, the covered children
plan under Person Covered and Children. and spouse are allowed to be converted into individual
Certificate.
• No underwriting
• No waiting period c) Person Covered and Spouse Plan
• Conversion must be submitted within 3 months
from the date of death of Person Covered • If a child from a Family Plan has reached 23 years old,
he/she is allowed to convert to individual plan.
• No conversion is allowed for the surviving spouse if

the surviving spouse is already more than 70 years
old
• Covered children will then be allowed to convert to
individual Certificate
Underwriting Guideline
Features Description
Underwriting Requirement Full Underwriting
Occupational Loading May be imposed for hazardous occupation
Medical Loading May be imposed for sub-standard life
Addition / Deletion of Covered Member Things To Do:

Give notice and provide a copy of
a) New Dependent Children will automatically be covered the child’s birth certificate from
• at least one Dependent Child already covered the date on which the child is 14
• the maximum number of Dependent Children that days old, to AIA PUBLIC within 90
can be covered is 4 children days from the date of birth of
child
b) If the children were not originally covered
• the Takaful coverage will be considered subject to
completion of an application for addition of the child
c) Deletion of covered member (divorce)
• The person covered needs to give notice to inform AIA
PUBLIC that the spouse is no longer a legal spouse
I understand that this is a
Takaful product. But what is
Takaful?
About Takaful
What is Takaful? What is the concept of Tabarru’?

Each participant agrees to
“Guaranteeing each other”; “Donation; Gift”
“Joint guarantee" contribute on the basis of
Tabarru’ into a pool of fund,
which will be used to assist each
other in times of need.
Mutual assistance scheme

based on the principles of
solidarity, brotherhood, and Concept of Tabarru‘ is the main
cooperation underlying principle in the
Takaful system making it free
from uncertainty and
gambling elements
AIA PUBLIC Takaful Bhd. (AIA PUBLIC) as a Takaful Operator (TO) is entrusted to properly invest and manage this fund
in accordance with the investment strategy that complies with Shariah principles.
Takaful Model – A-Life Medik Famili
1. Contribution from Participant

4 2. (i) Wakalah Fee (32.5%) will be
1 Certificate deducted from the Contribution.
Participant Benefits (ii) Balance of Contribution (1-
4 32.5%) will be allocated to PRF
4 (pool fund), as Tabarru’.
Contribution Surrender Participants’ Risk
Value 3. Wakalah Fee will be allocated into
Fund (PRF)
(Common)
TO fund for managing the plan
2(ii) (including commission).
Tabarru‘
Medical Expenses 5
(1-32.5%) 4. Claims and benefits will be paid from
32.5% 2(i)
Takaful Operator’s 6 PRF.
Fund Reserves 5. If there is any Surplus from PRF after
Wakalah Fee
Al-Qard Al-
(Operator) every financial year, the portion will
3 Hasan if PRF
is deficient be shared between eligible
50% Participants & TO in 50:50
Surplus 6. If there is a deficit in PRF, the TO will
Actual
Management 50% After Required cover the deficiency by giving
Expense 5 Capital interest-free loan (Al-Qard Al-Hasan).
Surplus
from Participants’ Risk Fund (PRF), if any, will

be declared for every financial year.
arises from good claims experience and claims

management
Surplus
The net Surplus (after deducting claims payable, reserves and solvency capital requirements) shall be shared
between the Takaful Operator (TO) and the eligible* Participants, in the proportion of 50:50
*provided no claim is made and Certificate is still in-force for the financial year
Surplus Declared
Year Surplus (RM) Surplus will be paid
through e-payment. That
2017 9.7 million is why it is important for
2016 5.6 million Participants to provide
their e-payment details.
Note: Financial Year refers to 1 January to 31 December of every year

Product Features
Plan Type Standalone medical & health Takaful plan
Sum Covered Plan 150
Coverage Term Person Covered Up to 100 years old
Spouse Up to 100 years old
Dependent Child Up to 23 years old
Entry Age Minimum age Maximum Age

Participant 16 years old 99 years old
Person Covered 14 days 70 years old
Spouse 16 years old 70 years old
Dependant Child 14 days 22 years old*
Contribution Term Same as Coverage Term
* unmarried child and is still on full time higher education
Product Features
Wakalah Fee 32.5% for all years
Contribution Rate The contribution rate is not guaranteed. AIA PUBLIC has the
right to revise the Contribution rate by giving the
Participants 30 days prior written notice at Certificate
Anniversary
Contribution Payment Mode and Multiply Annual

Payment Mode
Contribution by
Modal Factor
Annual 1.0
Semi-annual 0.515
Quarterly 0.2575
Monthly 0.087
Grace Period 31 days from the Contribution due date for payment of
each subsequent Contribution
Free-look Period The Participant is given the right to cancel the Certificate by
giving a written notice within 15 days after receiving the
Certificate
Certificate Servicing
Surrender
• Contribution refund is applicable upon surrender
• Takaful Operator will refund the unutilised portion of the Contribution in Participants’
Risk Fund and the unearned Wakalah Fee in the Takaful Operator’s Fund*
Period (from Last Certificate Percentage (%) of Contribution Refund

Anniversary) Not Exceeding**
Annual Semi-annually Quarterly
15 days** 90 80 70
1 month 80 70 50
2 months 70 50 20
3 months 60 30 No Refund
4 months 50 20 50
5 months 40 10 20
6 months 30 No Refund No Refund
7 months 25 70 50
8 months 20 50 20
9 months 15 30 No Refund
10 months 10 20 50
11 months 5 10 20
Period exceeding 11 months No Refund No Refund No Refund
* Provided no claim has been made

** All Contribution paid for the period before the last Certificate Anniversary prior to the Surrender date is not refundable,
***
AIA Not applicable
PUBLIC forconfidential
Takaful Bhd. first Certificate Year (kindly
and proprietary refer to Free
information. Look
Not for Period)
distribution.
Underwriting Guideline
Waiting Period
None
120 Days
Accidental Injuries
Specified Illnesses
1. Hypertension, diabetes mellitus and Cardiovascular
disease
30 Days
2. All tumours, cysts, nodules, polyps, stones of the
urinary system and biliary system
Other Illnesses 3. All ear, nose (including sinuses) and throat conditions
4. Hernias, haemorrhoids, fistulae, hydrocele, varicocele
5. Endometriosis including disease of the Reproduction
60 Days system
Out-Patient 6. Vertebro-spinal disorders (including disc) and knee
conditions.
Cancer Treatment
Exclusion
This plan do not cover any Hospitalization, Surgery or charges caused directly or
indirectly, wholly or partly, by any one of the following occurrences:
1. PRE-EXISTING ILLNESS:-
PRE-EXISTING ILLNESS shall mean Disabilities prior to the Issue Date or

Commencement Date of the relevant Supplementary Hospitalization Contract and
that the Person Covered/Participant has reasonable knowledge of. The Person
Covered/Participant may be considered to have reasonable knowledge of a pre-
existing illness where the condition is one for which:-
a)the Person Covered had received or is receiving treatment;
b)medical advice, diagnosis, care or treatment has been recommended;
c)clear and distinct symptoms are or were evident; or
d)its existence would have been apparent to a reasonable person in the
circumstances.
As per existing exclusions

Exclusion
2. SPECIFIED ILLNESS:-
Treatment or Surgery for Specified Illness until the Person Covered has been
continuously covered under the relevant Supplementary Hospitalization Contract for
a period of 120 days immediately preceding such treatment or Surgery.
SPECIFIED ILLNESSES shall mean the following Disabilities and its related
complications:
1. Hypertension, diabetes mellitus and Cardiovascular disease

2. All tumours, cysts, nodules, polyps, stones of the urinary system and biliary
system
3. All ear, nose (including sinuses) and throat conditions
4. Hernias, haemorrhoids, fistulae, hydrocele, varicocele
5. Endometriosis including disease of the Reproduction system
6. Vertebro-spinal disorders (including disc) and knee conditions.

Exclusion
3. Any medical or physical abnormalities existing at the time of birth, as well as neo-natal
physical abnormalities developing within 6 months from the time of birth. They will include
hernias of all types and epilepsy except when caused by a trauma which occurred after the
date that the Person Covered was continuously covered under the relevant Supplementary
Hospitalization Contract or any congenital or hereditary conditions which has manifested or
was diagnosed before the Person Covered attains 17 years of age.
4. Any Disability caused by self-destruction, intentional self-inflicted injuries, wilful

exposure to danger or any attempt of self-destruction while sane or insane.
5. War, declared or undeclared, strikes, riots, civil war, revolution or any warlike operations;
6. Service in the armed forces in time of declared or undeclared war or while under orders
for warlike operations or restoration of public order;
7. Any violation or attempted violation of the law or resistance to arrest.
8. Pregnancy, miscarriage or child birth;

Exclusion
9. Mental or nervous disorders, treatment of alcoholism, or drug abuse or any other

complications arising therefrom or any drug not prescribed by treating Doctor.
10. Plastic/Cosmetic surgery, circumcision (except circumcision due to infection), eye

examination/elective surgery for visual impairments due to nearsightedness, farsightedness
or astigmatism or radial keratotomy; all corrective glasses, contact lenses and intraocular
lens (except monofocal intraocular lenses in cataract) surgery or the use or acquisition of
external prosthetic appliances or devices such as artificial limbs, hearing aids, and
prescriptions thereof;
11. Any form of dental care or Surgery unless necessitated by injury but excluding the
replacement of natural teeth, placement of denture and prosthetic services such as bridges
and crowns or their replacement;
12. Hospitalization primarily for investigatory purposes, diagnosis, X-ray examination, general
physical or medical examinations, not incidental to treatment or diagnosis of a covered
Disability or any treatment which is not Medically Necessary and any preventive treatments,
preventive medicines or examinations carried out by a Physician, vitamins/food
supplements and treatments specifically for weight reduction or gain.;

Exclusion
13. Any treatment or investigation which is not Medically Necessary, or convalescence, custodial
or rest care;
14. Any medical or physical conditions arising within the first 30 days of the Issue Date or
Commencement Date of the Certificate whichever is later except for Covered Injury.
15. Ionizing radiation or contamination by radioactivity from any nuclear fuel or nuclear waste
from process of nuclear fission or from any nuclear weapon material
16. Expenses incurred for donation of any body parts or organ by the Person Covered / Covered
Member and acquisition of the organ including all costs incurred by the donor during organ
transplant and its complications. We will only reimburse the Reasonable and Customary
Charges incurred on Major Organ/Bone Marrow Transplant Surgery for the Person Covered
/ Covered Member being the recipient, limited to once per Lifetime.
Important Note:
This list is not exhaustive. Please refer to Takaful Certificate for the full exclusion list
Notes on AHS
Is a facility provided by AIA PUBLIC as part of

its services, AND AIA PUBLIC has every right to
make changes on the facility and services
accordingly at any point of time without any
prior notice.
Recap
Only available on iPos version 8.8
8 August 2018 : Roll Down

15 August 2018 : Start Distributing
Compensation
Structure
Compensation Structure
Total
Commission 15%
Every Year
Unlimited
10% 2%
Basic Comm 3% DM Indirect
No count 100% UM Direct OR
for BSC Bonus Overriding
Fixed Commission
& Overriding
LIFE TIME commission is payable should the certificate is

in-force.
Compensation Structure
Component Include?
Annual Conventions – Star, Summit, Elite
President Club
Quarterly Incentive (for example, Cash Strike, Cash Sprint)
AOM & OSA
2018 Breakthrough Bonus (Personal Sale, Direct Team, District

Group)
Manager Direct & Indirect Provident Fund
NPA/SU36 requirement calculation X

Agent Provident Fund X
Please refer to your respective DOAs for more details.
62

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A-Life Medik Famili

An All-In-One Medical Plan

For internal staff and agent training only.

En Rizal, 45, En Azman, 38, En Saiful, 23,

We can offer you to save in A-Life

En Rizal, 45, Business owner

Our A-LifeLink-i is one of the

En Azman, 38, Banker

Of course En Saiful! We have the

En Saiful, 23, Administration

Insert Brochure cover

Yes of course. Let me share

The medical plan is

Benefit Description Plan 150

Lifetime Limit No Lifetime Limit

3. In- Hospital Related Fees

Benefit Description Plan 150

As Charged, subject to Annual Limit

Benefit Description Plan 150

Out-Patient Care Not subject to Deductible

6. Out-patient Kidney Dialysis and Cancer Treatment RM300,000 per lifetime

7. Day Care Procedure and Surgery

8. Emergency Accidental Out-patient Treatment As Charged, subject to Annual Limit

9. Home Nursing Care RM3,000 per confinement

10. Emergency Medical Evacuation and Repatriation Up to USD 1 million

We have also enhanced our

We only have one plan, Plan 150.

Room and Board and ICU has been

Item A-Life Med Regular-i A-Life Medik Famili

Item A-Life Med Regular-i A-Life Medik Famili

Juniors < 15 years old Seniors > 60 years old

You get better care, before and

Out-patient Limit RM4,000 per year, As Charged,

Out-Patient Physiotherapy and

We have also added 5 more alternative

Homeopathy Chiropody Osteopathy Herbal Therapy Chiropractic

Item A-Life Med Regular-i A-Life Medik Famili

We have removed the limits for

Item A-Life Med Regular-i A-Life Medik Famili

Our Annual Limit has been

Benefit Description Plan 150

Lifetime Limit No Lifetime Limit

I noticed you have

Deductible is a fixed amount of

Hmm.. Then what is “Per

*Per Disability is if you seek

Let me give you a few examples.

Treatment cost: Treatment cost:

Customer only pays RM 300

Treatment cost: Treatment cost: Treatment cost:

Customer only pays RM300 for the

Treatment cost: Treatment cost: Treatment cost:

Customer needs to pay RM 600 as the

5 Sept 2019 2 Nov 2019

Day Care Procedure for Cataract Surgery

The coverage of this plan is up to

As early as 14 days old

100 years old

Family plan is an option for you to cover

Here are the

For your whole family

More importantly, the Limit is NOT Person Covered

Person Person Covered & Person